Cheapest and Best Car Insurance in Burbank, CA (June 2024)


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Updated: May 24, 2024

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In Burbank, the most cost-effective insurer depends on coverage need and driver specifics. For full coverage, AAA is cheapest, while for families with teens, State Farm leads. This differs from Mercury, the most affordable for minimum coverage. For customer service, Chubb is unrivaled, yet Capital Insurance Group offers the best balance of price and service overall. Selecting the best fit hinges on individual preferences and coverage necessities.

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2024

Cheapest and Best Car Insurance in Burbank

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Burbank, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Burbank insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered, and financial stability.

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These rates reflect the cheapest car insurance quotes in Burbank, CA, as of June 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Burbank

MoneyGeek found that Mercury is the cheapest option in Burbank, offering the lowest minimum coverage car insurance. Finding the cheapest car insurance can significantly reduce your annual expenses.

  • Mercury: $666 per year
  • State Farm: $678 per year

The most expensive minimum coverage policy in Burbank comes from Allstate, costing $1013 annually. This is $347 more than the cheapest option, Mercury.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
MercuryAnnual Premium$666Monthly Premium$56
State FarmAnnual Premium$678Monthly Premium$56
ProgressiveAnnual Premium$679Monthly Premium$57
GEICOAnnual Premium$680Monthly Premium$57
AAAAnnual Premium$707Monthly Premium$59
FarmersAnnual Premium$708Monthly Premium$59
TravelersAnnual Premium$771Monthly Premium$64
KemperAnnual Premium$785Monthly Premium$65

State Minimum Liability Requirements

For every city in California, from Los Angeles to Burbank, state law prescribes the minimum car insurance coverages that drivers must carry. Here's a breakdown of what's required:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

Take, for instance, bodily injury liability. If you hold the minimum coverage and are at fault in an accident causing bodily injury, your policy would cover up to $15,000 for an individual's injuries and a total of $30,000 per accident. Should the injured party's medical expenses exceed these limits, you would be responsible for paying the difference out of pocket.

Cheapest Full Coverage Car Insurance in Burbank

MoneyGeek found that AAA offers the lowest rates for the cheapest full coverage car insurance in Burbank.

  • AAA: $1,448 per year
  • National General: $1,477 per year

Farmers has the most expensive full coverage policy in Burbank with an annual premium of $2,404. The difference in annual rates between AAA and Farmers is $956. Full coverage policies cost more because they provide comprehensive protection against a variety of incidents beyond what minimum coverage offers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AAAAnnual Premium$1,448Monthly Premium$121
National GeneralAnnual Premium$1,477Monthly Premium$123
ProgressiveAnnual Premium$1,525Monthly Premium$127
GEICOAnnual Premium$1,616Monthly Premium$135
MercuryAnnual Premium$1,620Monthly Premium$135
Capital Insurance GroupAnnual Premium$1,672Monthly Premium$139
State FarmAnnual Premium$1,673Monthly Premium$139
NationwideAnnual Premium$1,808Monthly Premium$151

Do You Need Full Coverage in Burbank?

A premium full coverage policy option from MoneyGeek for Burbank residents features elevated limits. Under this upgraded policy, you would receive bodily injury liability coverage of up to $100,000 per person and $300,000 per accident, along with property damage liability coverage of $100,000 per accident, commonly referred to as a 100/300/100 policy.

Going beyond the basic liability limits, this comprehensive policy includes both collision and comprehensive insurance, ensuring broader protection:

  • Collision Insurance: This part of the policy ensures that costs related to damage your vehicle sustains in a collision — whether with another vehicle or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage goes further, addressing damages to your car from non-collision incidents, such as theft, vandalism, or natural disasters and being struck by an animal like a deer.

If your car is new, securing full coverage insurance is advisable to protect your significant investment. On the other hand, for older vehicles, weighing the benefits of additional coverage against the potential cost savings from lower premiums is important. When thinking about how much car insurance you need you should strike a balance between sufficient coverage to mitigate financial risks without overpaying for insurance.

Cheapest Car Insurance in Burbank After a Driving Offense

MoneyGeek found that in Burbank, for those holding a full coverage policy, the following companies come in as the most affordable options for specific driving offenses:

  • Speeding Ticket: National General ($1,553 per year)
  • At-fault accident: Capital Insurance Group ($1,964 per year)
  • DUI: National General ($1,553 per year)

In contrast, some companies offer significantly higher rates for these offenses. Hartford has the highest annual premium for a DUI offense at $7,256, showing that premiums can differ greatly between providers.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,553Monthly Premium$129
AAAAnnual Premium$1,887Monthly Premium$157
Capital Insurance GroupAnnual Premium$1,920Monthly Premium$160
MercuryAnnual Premium$2,138Monthly Premium$178
GEICOAnnual Premium$2,413Monthly Premium$201
State FarmAnnual Premium$2,484Monthly Premium$207
AllstateAnnual Premium$2,726Monthly Premium$227
ChubbAnnual Premium$2,802Monthly Premium$233

In Burbank and similar cities, insurance rates escalate with the severity of a driving offense due to the increased risk posed to insurers. Drivers with a speeding ticket can expect an average annual rate of $2,611, while those with a DUI face a significantly higher rate, averaging $4,410.

Cheapest Car Insurance in Burbank for Teens and Their Families

MoneyGeek found that State Farm offers the most affordable option for the cheapest car insurance for teens in Burbank.

  • State Farm: $3,721 per year for female teens and $3,721 per year for male teens
  • Farmers: $3,769 per year for female teens and $3,769 per year for male teens

These rates highlight the importance of shopping around for insurance, especially when adding a teenager to the policy. While State Farm leads with the lowest annual premiums, Kemper has the highest teen family policy rate in Burbank at $6,540, demonstrating a substantial potential savings of $2,819 annually between the cheapest and most expensive options.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$3,721Individual Plan Monthly Premium$4,119
FarmersFamily Plan Annual Premium$3,769Individual Plan Monthly Premium$5,556
Capital Insurance GroupFamily Plan Annual Premium$4,058Individual Plan Monthly Premium$3,962
GEICOFamily Plan Annual Premium$4,215Individual Plan Monthly Premium$4,760
AllstateFamily Plan Annual Premium$4,644Individual Plan Monthly Premium$5,003
TravelersFamily Plan Annual Premium$5,014Individual Plan Monthly Premium$4,533
ProgressiveFamily Plan Annual Premium$5,047Individual Plan Monthly Premium$5,546
NationwideFamily Plan Annual Premium$6,485Individual Plan Monthly Premium$9,206

In Burbank, teens purchasing car insurance individually can expect to pay an average annual premium of $5,807, significantly higher than the $4,858 average when included in a family plan. It's challenging for teens to obtain approval for individual policies. Including a teen on a family plan not only eases approval but also offers substantial financial savings.

Cheapest Car Insurance in Burbank for Military Drivers

MoneyGeek found that AAA is the cheapest option for those with military backgrounds seeking full coverage car insurance in Burbank. Here's a snapshot of the most affordable providers:

  • AAA: $1,448 per year
  • National General: $1,477 per year

Although USAA ranks slightly higher in Burbank with an annual premium of $1,555, it specifically caters to active-duty military members. While not the cheapest in this instance, USAA's tailored services often make it a favorable choice for those serving in the military.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AAAAnnual Premium$1,448Monthly Premium$121
National GeneralAnnual Premium$1,477Monthly Premium$123
ProgressiveAnnual Premium$1,525Monthly Premium$127
USAAAnnual Premium$1,555Monthly Premium$130
GEICOAnnual Premium$1,616Monthly Premium$135
MercuryAnnual Premium$1,620Monthly Premium$135
Capital Insurance GroupAnnual Premium$1,672Monthly Premium$139
State FarmAnnual Premium$1,673Monthly Premium$139

How to Compare Cheap Burbank Car Insurance Quotes Online

In Minneapolis, comparing car insurance rates is a key strategy for cost savings. However, the process is often cumbersome, potentially requiring over an hour to examine rates from three or more companies.

MoneyGeek's car insurance calculator can help you find rates. By inputting details like age, driving history, credit score and preferred coverage, you can instantly receive rate estimates.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Jul 12, 2024

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Best Car Insurance in Burbank: Overview

MoneyGeek's comprehensive analysis utilizes distinct scoring systems to identify Burbank's premier car insurance providers catering to various needs:

  • Best overall: Capital Insurance Group (MoneyGeek score 84 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 82 out of 100)

Capital Insurance Group excels in offering service and affordability, marking it as the best overall option. Chubb, with the highest service scores, stands out for exceptional service. Meanwhile, Mercury demonstrates that economical rates can still be accompanied by satisfactory service, making it ideal for budget-conscious drivers.

Best Overall Car Insurance in Burbank

MoneyGeek found that Capital Insurance Group offers the best car insurance in Burbank.

  • Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,672 per year)
  • Chubb: MoneyGeek score of 82 out of 100 ($2,128 per year)

Capital Insurance Group stands out in Burbank for its exceptional balance of satisfaction and affordability, making it the premier choice for a full coverage policy.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
84/ of 100

Overview

Capital Insurance Group's has top marks in satisfaction and strong performance in claims handling. This insurer shines with both common car insurance coverages: rental car and/or travel reimbursement and roadside assistance. While it doesn't offer rideshare Insurance, it does provide custom parts coverage that could benefit drivers with specific aftermarket modifications, enhancing their vehicle's value and performance. Capital Insurance Group offers a standout full glass coverage.

Best Car Insurance in Burbank for Customer Service

MoneyGeek found that Chubb is the best option in Burbank for customer service. This ranking is specifically related to general satisfaction, claims handling and the breadth of coverages offered.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,128 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,672 per year)

Chubb has comprehensive coverage options and exceptional service.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb, our top-ranked company with high claims and satisfaction, doesn't offer roadside assistance. It does provide rental car and/or travel reimbursement, and original equipment manufacturer (OEM) coverage. Additionally, diminished value coverage compensates for value loss after an accident, providing peace of mind beyond the repair. Chubb offers classic car insurance, ideal for vintage automobile enthusiasts seeking specialized protection. These offerings, coupled with performance in customer satisfaction (43 out of 45), claims handling (30 out of 30) and overall stability, make Chubb a standout choice.

Best Cheap Car Insurance Companies in Burbank

Mercury is the best option in Burbank for drivers seeking affordable car insurance without sacrificing quality service. While affordability is heavily weighted, the MoneyGeek score also incorporates claims handling and overall customer satisfaction.

  • Mercury: MoneyGeek score of 82 out of 100 ($666 per year)
  • State Farm: MoneyGeek score of 80 out of 100 ($678 per year)

Mercury has low annual premiums and high customer service ratings. Mercury's ability to offer competitive prices while maintaining quality service makes it a top choice for Burbank residents.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
82/ of 100

Overview

Mercury is the best choice for savvy consumers, primarily due to its excellence in affordability and strong performance across other key parameters. The company's average annual premium for minimum coverage presents substantial savings, at just $666, which translates to little more than a dollar a day for the average driver. Mercury provides attractive perks like anti-theft system and automatic payment.

Mercury offers discounts including bundling, multiple car and safe driving. It also encourages paperless transactions and rewards customers who pay in full. With an affordability score of 40 (out of 40), Mercury remains at the forefront of budget-friendly options.

Average Cost of Car Insurance in Burbank

Car insurance premiums can vary significantly from one location to another, and Burbank, California, is no exception. The average cost of car insurance in Burbank stands at $1,834, which is higher compared to the average car insurance cost in California of $1,457. When compared to the national average, which is $1,720, the average cost in California is less, indicating that residents in Burbank are facing higher rates than the state's average but still benefit from lower premiums than the national average.

Location plays a significant role in premiums due to variables like traffic density, vehicle theft rates and the likelihood of accident claims. For instance, Santa Maria boasts the cheapest premium at $1,168, demonstrating how less urbanized areas might enjoy lower insurance rates due to reduced traffic density. On the flip side, Glendale holds the position for the most expensive premium at $2,260.

AnaheimAnnual Premium$1,521
AntiochAnnual Premium$1,471
ArdenAnnual Premium$1,491
BakersfieldAnnual Premium$1,298
BerkeleyAnnual Premium$1,393
BurbankAnnual Premium$1,834
CarlsbadAnnual Premium$1,276
Chula VistaAnnual Premium$1,237
ClovisAnnual Premium$1,305
ConcordAnnual Premium$1,378
CoronaAnnual Premium$1,425
Costa MesaAnnual Premium$1,404
Daly CityAnnual Premium$1,592
DowneyAnnual Premium$1,625
East Los AngelesAnnual Premium$1,669
El CajonAnnual Premium$1,341
El MonteAnnual Premium$1,661
Elk GroveAnnual Premium$1,434
EscondidoAnnual Premium$1,290
FairfieldAnnual Premium$1,301
FontanaAnnual Premium$1,460
FremontAnnual Premium$1,353
FresnoAnnual Premium$1,348
FullertonAnnual Premium$1,551
Garden GroveAnnual Premium$1,567
GlendaleAnnual Premium$2,260
HaywardAnnual Premium$1,446
Huntington BeachAnnual Premium$1,423
InglewoodAnnual Premium$1,820
IrvineAnnual Premium$1,485
Jurupa ValleyAnnual Premium$1,402
LancasterAnnual Premium$1,552
Long BeachAnnual Premium$1,570
Los AngelesAnnual Premium$1,985
ModestoAnnual Premium$1,477
Moreno ValleyAnnual Premium$1,443
MurrietaAnnual Premium$1,320
NorwalkAnnual Premium$1,544
OaklandAnnual Premium$1,545
OceansideAnnual Premium$1,303
OntarioAnnual Premium$1,454
OrangeAnnual Premium$1,366
OxnardAnnual Premium$1,338
PalmdaleAnnual Premium$1,602
PasadenaAnnual Premium$1,672
PomonaAnnual Premium$1,519
Rancho CucamongaAnnual Premium$1,401
RialtoAnnual Premium$1,467
RichmondAnnual Premium$1,457
RiversideAnnual Premium$1,438
RosevilleAnnual Premium$1,364
SacramentoAnnual Premium$1,397
SalinasAnnual Premium$1,259
San BernardinoAnnual Premium$1,455
San DiegoAnnual Premium$1,259
San FranciscoAnnual Premium$1,553
San JoseAnnual Premium$1,338
San MateoAnnual Premium$1,301
Santa AnaAnnual Premium$1,471
Santa ClaraAnnual Premium$1,332
Santa ClaritaAnnual Premium$1,523
Santa MariaAnnual Premium$1,168
Santa RosaAnnual Premium$1,385
Simi ValleyAnnual Premium$1,429
StocktonAnnual Premium$1,489
SunnyvaleAnnual Premium$1,325
TemeculaAnnual Premium$1,338
Thousand OaksAnnual Premium$1,490
TorranceAnnual Premium$1,418
VallejoAnnual Premium$1,444
VenturaAnnual Premium$1,251
VictorvilleAnnual Premium$1,482
VisaliaAnnual Premium$1,241
VistaAnnual Premium$1,267
West CovinaAnnual Premium$1,555

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.