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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.