Cheapest and Best Car Insurance in Burbank, CA (2023)

Your car insurance cost may vary due to your driving record, age and insurance needs.

Our analysis shows that GEICO and AAA California offer Burbank’s cheapest rates for minimum coverage and full coverage car insurance, respectively.

National General has the lowest rates for drivers with a speeding ticket or DUI. For motorists with at-fault accidents, it’s Capital Insurance Group.

State Farm is your cheapest option if you’re insuring a teen. If you have a military background, USAA offers the lowest rates.

MoneyGeek’s research found that the cheapest minimum coverage car insurance providers in Burbank are:

• GEICO: $593 per year
• AAA California: $607 per year

On the other hand, at roughly $994 per year, Hartford is the city’s most expensive provider for minimum coverage.

GEICO has the lowest rates for minimum coverage car insurance in Burbank.

California law sets the minimum coverage you need to get for liability insurance, which covers injury and property damage. You must meet the following auto insurance coverage limits in Burbank:

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

Liability-only insurance covers the damages you cause to another driver and their passengers in an accident for which you are at fault.

Suppose you have coverage limits of $15,000 per person and $30,000 per accident for bodily injury liability. In that case, your insurance company should cover medical expenses for each person up to $15,000. This maxes out at $30,000 per accident.

If the final bill exceeds that amount, you must pay the rest out of pocket.

In Burbank, the lowest rates for full coverage car insurance are offered by:

• AAA California: $1,356 per year
• GEICO: $1,403 per year

On the other hand, Kemper has the city's most expensive full-coverage auto insurance, with an average cost of $2,132 per year. Location can greatly affect car insurance prices.

A full coverage policy offers more protections than liability-only insurance and includes the following additional coverages:

• Collision Insurance: Pays for damages to your vehicle from accidents, like collisions with other cars or objects
• Comprehensive Insurance: Pays for damages to your vehicle from non-accident events, including theft or weather damage.

You should purchase full coverage insurance if you’re driving a newer vehicle to protect your investment. But, if you have an older vehicle, the extra cost of a full coverage policy may not justify its added benefits.

According to MoneyGeek's research, motorists in Burbank with driving violations can find the most affordable car insurance from these providers:

• Speeding Ticket: National General ($1,553 per year)
• At-Fault Accident: Capital Insurance Group ($1,991 per year)
• DUI: National General ($1,553 per year)

On the other hand, these are the most expensive providers after a driving violation:

• Speeding Ticket: Nationwide ($3,114 per year)
• At-Fault Accident: Kemper ($4,700 per year)
• DUI: Hartford ($7,676 per year)

A driving violation can significantly raise your car insurance premiums, even if you're buying from a cheap insurance company in Burbank.

In Burbank, drivers with severe driving violations should expect to pay higher car insurance premiums. For example, you’ll pay approximately $1,793 more if you have a DUI than a speeding ticket. But, you could still find cheap car insurance with a bad driving record.

The most cost-effective car insurance options for teen drivers on a family policy in Burbank are:

• State Farm: $3,793 per year for female and male teens
• Farmers: $3,800 per year for female and male teens

Conversely, at roughly $6,672 per year, Kemper is the priciest for teen drivers in Burbank.

Teen male drivers are usually viewed as higher risk than female teen drivers, resulting in higher insurance premiums. But, insurers consider gender less as drivers reach early adulthood.

Including a teen driver on a family policy instead of buying an individual policy can result in substantial savings.

In Burbank, a male teen would pay approximately $673 less per year if on a family policy than if using an individual policy. Searching for cheap auto insurance for teens can save hundreds of dollars annually.

The most affordable full coverage car insurance options for military members and their families in Burbank are:

• USAA: $1,132 per year
• AAA California: $1,356 per year

For minimum coverage, USAA also offers the cheapest car insurance for military-affiliated drivers at around $524 per year. GEICO is the second cheapest, with an average annual cost of $593.

Getting quotes for car insurance online can be tedious. You often have to give up a lot of personal information One single quote can take around 15 minutes to complete.

MoneyGeek has made the process easier with our car insurance calculator. It provides comparatively quick and accurate estimates based on age, vehicle type, driving history and desired coverage level.

The ideal car insurance for you will vary based on what you prioritize in terms of service, cost, protection and other factors. After analyzing Burbank’s auto insurers, MoneyGeek found these are the best in the city:

• Best overall: GEICO (MoneyGeek score 73 out of 100)
• Best for service: Chubb (MoneyGeek score 76 out of 100)
• Best cheap: GEICO (MoneyGeek score 78 out of 100)

A company's MoneyGeek score may vary depending on the weight given to each category.

Your location can impact the best provider for you. Although GEICO is our top choice in Burbank, the best car insurance company in California is an AAA-affiliated provider, CSAA.

If you have a military background or are in a military family, our research shows that USAA is the best car insurance provider, with a MoneyGeek score of 85 out of 100.

MoneyGeek's analysis shows that the best overall car insurance companies in Burbank are:

• GEICO: MoneyGeek score 73 out of 100 ($1,403 per year)
• AAA California: MoneyGeek score 71 out of 100 ($1,356 per year)

For military-affiliated drivers, USAA is the best option in the city. It received a MoneyGeek score of 85 out of 100 and offers the lowest annual premiums for military-affiliated drivers at around $1,132.

Disregarding cost, these car insurance companies in Burbank emerge as the best in customer service:

• Chubb: MoneyGeek score 76 out of 100 ($2,128 per year)
• Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,695 per year)

MoneyGeek picked Chubb as the city’s best for customer satisfaction thanks to its exceptional service quality and efficient claims management.

However, Chubb has the second priciest premiums among Burbank’s 15 insurance providers. This means you have to pay a high price for good customer service.

After studying the cost and quality of minimum coverage car insurance policies in Burbank, MoneyGeek found the best auto insurers in the city are:

• GEICO: MoneyGeek score 78 out of 100 ($593 per year)
• AAA California: MoneyGeek score 73 out of 100 ($607 per year)

A minimum coverage policy may be a good choice if you want to save money in the short term. However, remember that these policies offer limited liability coverage and no coverage for damage to your vehicle.

MoneyGeek’s research shows the average cost of full coverage car insurance in Burbank is $1,733 per year as of October 2022. This is based on a policy with $100,000 bodily injury liability per person plus $300,000 in bodily injury liability and $100,000 in property damage liability per accident.

Burbank’s average car insurance is $346 more expensive than the cost of car insurance in the state of California. It’s also $468 more expensive than the national average. This highlights the influence location can have on car insurance rates.