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Finding the cheapest car insurance quotes in Northridge shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Northridge
The car insurance rate in Northridge is $1486 for a six-month policy, which is $475 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $944, making it a popular choice for budget-conscious drivers. Rates in Northridge can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $944 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1197 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $1266
for six months, making it
the third cheapest auto insurance company in Northridge.
Northridge Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Northridge, CA is CSAA, offering policies at just $944 for a six-month term. This is followed by USAA, which has an average six-month premium of $1197.
At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $1135 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Northridge drivers find the best deals.
Way's key takeaways about car insurance in Northridge
The auto insurance costs in Northridge fall around $944 for six
months.
The cheapest auto insurance company in Northridge is CSAA.
Teen drivers pay the highest rate in Northridge at $98 per
month.
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Cheapest Minimum Liability Car Insurance in Northridge
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Northridge are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Northridge. Their Average 6 Month Premium is $226.
21st Century is the most
expensive at $594 for the same
period.
Cheapest Full Coverage Car Insurance in Northridge
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Northridge is CSAA
at $159 per month and $944
for six months.
Cheapest Full Coverage Car Insurance Quotes in Northridge,
CA
Get Your Car Insurance Quote in Northridge
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Average Car Insurance in Northridge by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Northridge, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Northridge, California, may be increasing due to several external factors.
California has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Northridge's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Northridge
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Wawanesa
$860
30s
Wawanesa
$694
40s
Wawanesa
$694
50s
Wawanesa
$694
60s
Wawanesa
$694
70s
Wawanesa
$679
Cheapest Car Insurance Rates for Teen Drivers in
Northridge,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Northridge at $57
per
month. At $576 for a six-month premium,
Marcury offers the most expensive rate for
teen drivers.
If you are in your twenties Wawanesa is
the best choice for car
insurance in Northridge.
As young drivers face the highest rates in Northridge, Wawanesa
offers the cheapest auto insurance rates at $860 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Northridge,
companyName is
the cheapest car insurance provider. At $monthlyPremium for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Northridge is companyName, offering
rates of around $sixMonthPremium for six
months.
Company
Avg. 6 Mo. Premium
Avg. Monthly Premium
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Car Insurance Rates with An Accident in Northridge
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Northridge, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Northridge
The cheapest car insurance companies after an at-fault accident in
Northridge include AAA
and Capital Insurance Group, offering $559
and $803,
respectively. 21st Century is an expensive provider
with an average six-month premium of
$1004.
Here is a list of driving violations that can increase your car
insurance rates in Northridge CA. For example, the car
insurance in Northridge
after a DUI increases to $2558 for a six
month policy. While the rate increases by $672 for a six-month policy in the case of
a speeding ticket.
Northridge auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1598
$266
Not-at-fault accident
$1598
$272
One comp claim
$1598
$266
One Med/PIP claim
$1598
$272
Two comp claims
$1598
$266
Two Med/PIP claims
$1598
$272
At-fault accident - less than $1000
$1633
$272
Failure to show documents
$2105
$357
Driving with expired registration
$2148
$359
Driving without lights
$2148
$365
Failure to wear a seat belt
$2156
$360
Child safety restraint
$2174
$369
Speeding 11 - 15 MPH over limit
$2261
$376
Speeding 16 - 20 MPH over limit
$2261
$385
Driving too slowly
$2270
$378
Failure to stop at a red light
$2270
$387
Failure to yield
$2270
$378
Following too closely
$2270
$387
Illegal turn
$2270
$378
In 65 MPH zone
$2270
$387
Speeding 21 - 25 MPH over limit
$2270
$378
Speeding 6 - 10 MPH over limit
$2270
$387
Speeding in school zone
$2270
$378
Improper passing
$2279
$388
Cell phone violation
$2287
$381
Texting while driving
$2287
$390
Passing school bus
$2314
$385
Wrong way/wrong lane
$2706
$460
Operating a vehicle without permission
$2768
$462
At-fault accident - $1000-$2000
$2786
$473
At-fault accident - greater than $2000
$2786
$465
Open container
$2794
$475
Driving with a suspended license
$3240
$539
Reckless driving
$3947
$672
Racing
$3991
$664
Leaving scene of an accident/hit and run
$4007
$682
DUI
$4156
$692
Refusal to submit to a chemical test
$4156
$707
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Northridge after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Northridge.
The cheapest car insurance premiums in
Northridge are
offered by AAA at $1100 for a six-month policy.
However, it can be as
expensive as $926 with companies
like Kemper.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Northridge are offered by CSAA
at $140. However,
it can be as expensive as $663
with companies like State National for a similar
six-month premium.
Cheapest Car Insurance in Northridge after Speeding ticket
Car Insurance Price Trends in Northridge,
California
Car insurance rates in Northridge have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Northridge rose by
$282 in December
compared to $279 of November. In other words, there has been an increase by $3 when you
compare December and November.
The average cost of liability insurance in the Northridge rose to $79 in December,
compared to $76 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Northridge by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Northridge. At $1545 for a
six-month policy, insuring
your car at 91330 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Northridge?
The car insurance in Northridge is $38 per month, which is lower than the national average.
What is the cheapest car insurance in Northridge?
The cheapest car insurance in Northridge
is $159 per month
for full coverage.
How much is car insurance in Northridge for teenagers?
Car insurance for teenagers costs $341 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Northridge?
The average cost of car insurance is $1011 for a six-month
policy. It will cost around $250 per month to insure your
car in Northridge.
Is car insurance expensive in Northridge?
Car insurance can be expensive in Northridge if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Northridge can be
affordable.
What is the best car insurance in Northridge,
CA?
The best car insurance company in Northridge
CA is
CSAA, offering $944 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Northridge, CA
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Northridge Car Insurance
