Cheapest Car Insurance Quotes in San Fernando

Finding the cheapest car insurance quotes in San Fernando 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

San Fernando Car Insurance

^$ 33

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 San Fernando

The car insurance rate in San Fernando is $1274 for a six-month policy, which is $263 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $809, making it a popular choice for budget-conscious drivers. Rates in San Fernando 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.

Avg. Car Insurance in San Fernando

$1274

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in San Fernando

1st place: CSAA

At $809 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1026 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1085 for six months, making it the third cheapest auto insurance company in San Fernando.

San Fernando Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Fernando, CA is CSAA, offering policies at just $809 for a six-month term. This is followed by USAA, which has an average six-month premium of $1026.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $973 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Fernando drivers find the best deals.

Cheap Car Insurance Companies in San Fernando, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$809	$136
USAA	$1026	$173
Mercury	$1085	$183
AAA SoCal	$1189	$203
Progressive	$1250	$210
Allstate	$1370	$231
Wawanesa	$1377	$232
AAA NorCal	$1392	$237
Auto Club	$1436	$239
State Farm	$1520	$256
AAA	$1729	$289
Kemper	$1789	$304
Farmers	$1998	$333
Capital Insurance Group	$891	$149
National General	$906	$154
State National	$921	$154
Hartford	$973	$165

Key Takeaways

Way's key takeaways about car insurance in San Fernando

The auto insurance costs in San Fernando fall around $809 for six months.
The cheapest auto insurance company in San Fernando is CSAA.
Teen drivers pay the highest rate in San Fernando at $84 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in San Fernando

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 San Fernando are given below.

CSAA provides the cheapest minimum car insurance coverage in San Fernando. Their Average 6 Month Premium is $194. 21st Century is the most expensive at $509 for the same period.

Cheapest Liability Coverage in San Fernando, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$194	$33
AAA	$344	$58
USAA	$359	$60
AAA NorCal	$374	$63
AAA SoCal	$427	$73
Progressive	$435	$73
Auto Club	$441	$76
State Farm	$456	$77
Wawanesa	$464	$78
Mercury	$494	$83
Allstate	$532	$89
Farmers	$636	$106
Kemper	$352	$59
Capital Insurance Group	$382	$66
State National	$404	$69
National General	$501	$83
21st Century	$509	$87

Cheapest Full Coverage Car Insurance in San Fernando

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 San Fernando is CSAA at $136 per month and $809 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Fernando, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$809	$136
USAA	$1026	$173
Mercury	$1085	$183
AAA SoCal	$1189	$203
Progressive	$1250	$210
Allstate	$1370	$231
Wawanesa	$1377	$232
AAA NorCal	$1392	$237
Auto Club	$1436	$239
State Farm	$1520	$256
AAA	$1729	$289
Kemper	$1789	$304
Farmers	$1998	$333
Capital Insurance Group	$891	$149
National General	$906	$154
State National	$921	$154
Hartford	$973	$165

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in San Fernando Instantly!

Average Car Insurance in San Fernando 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 San Fernando, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in San Fernando, 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, San Fernando's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Fernando

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	$737
30s	Wawanesa	$595
40s	Wawanesa	$595
50s	Wawanesa	$595
60s	Wawanesa	$595
70s	Wawanesa	$582

Cheapest Car Insurance Rates for Teen Drivers in San Fernando,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Fernando at $49 per month. At $494 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$292	$49
Capital Insurance Group	$659	$110
USAA	$1571	$265
Mercury	$1594	$268
Wawanesa	$1751	$297
Progressive	$1833	$309
CSAA	$2208	$372
State Farm	$2620	$441
AAA SoCal	$2836	$483
Allstate	$3039	$512
Auto Club	$3241	$551
AAA NorCal	$4318	$719
Farmers	$4409	$750
State National	$471	$78
Marcury	$494	$84

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Fernando.

As young drivers face the highest rates in San Fernando, Wawanesa offers the cheapest auto insurance rates at $737 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.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in San Fernando.

Car Insurance Rates with An Accident in San Fernando

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 San Fernando, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Fernando

The cheapest car insurance companies after an at-fault accident in San Fernando include AAA and Capital Insurance Group, offering $479 and $688, respectively. 21st Century is an expensive provider with an average six-month premium of $861.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$479	$81
Capital Insurance Group	$688	$117
CSAA	$921	$155
USAA	$1377	$232
Progressive	$1594	$268
Mercury	$1691	$287
Wawanesa	$1945	$324
AAA SoCal	$2044	$348
Auto Club	$2156	$359
Farmers	$2215	$373
State Farm	$2635	$444
AAA NorCal	$2821	$480
Allstate	$3391	$571
State National	$568	$95
Hartford	$659	$112
National General	$756	$126
Nationwide	$815	$139
21st Century	$861	$144

San Fernando Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Fernando CA. For example, the car insurance in San Fernando after a DUI increases to $2192 for a six month policy. While the rate increases by $575 for a six-month policy in the case of a speeding ticket.

San Fernando auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1370	$228
Not-at-fault accident	$1370	$233
One comp claim	$1370	$228
One Med/PIP claim	$1370	$233
Two comp claims	$1370	$228
Two Med/PIP claims	$1370	$233
At-fault accident - less than $1000	$1400	$233
Failure to show documents	$1804	$306
Driving with expired registration	$1841	$307
Driving without lights	$1841	$312
Failure to wear a seat belt	$1848	$309
Child safety restraint	$1864	$316
Speeding 11 - 15 MPH over limit	$1938	$323
Speeding 16 - 20 MPH over limit	$1938	$330
Driving too slowly	$1945	$324
Failure to stop at a red light	$1945	$331
Failure to yield	$1945	$324
Following too closely	$1945	$331
Illegal turn	$1945	$324
In 65 MPH zone	$1945	$331
Speeding 21 - 25 MPH over limit	$1945	$324
Speeding 6 - 10 MPH over limit	$1945	$331
Speeding in school zone	$1945	$324
Improper passing	$1953	$333
Cell phone violation	$1961	$326
Texting while driving	$1961	$334
Passing school bus	$1983	$330
Wrong way/wrong lane	$2320	$394
Operating a vehicle without permission	$2373	$396
At-fault accident - $1000-$2000	$2388	$406
At-fault accident - greater than $2000	$2388	$398
Open container	$2395	$407
Driving with a suspended license	$2777	$462
Reckless driving	$3383	$576
Racing	$3421	$570
Leaving scene of an accident/hit and run	$3435	$585
DUI	$3562	$593
Refusal to submit to a chemical test	$3562	$606

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 San Fernando 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 San Fernando.

The cheapest car insurance premiums in San Fernando are offered by AAA at $942 for a six-month policy. However, it can be as expensive as $794 with companies like Kemper.

San Fernando car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$942	$160
Capital Insurance Group	$1026	$171
Mercury	$1220	$205
Progressive	$1804	$304
Wawanesa	$2192	$373
Farmers	$2327	$392
USAA	$2477	$417
CSAA	$2620	$441
AAA SoCal	$3788	$644
Auto Club	$4333	$722
AAA NorCal	$4992	$849
State Farm	$5329	$897
Allstate	$5486	$924
Travelers	$1056	$176
National General	$494	$82
Kemper	$794	$132

Cheapest car insurance after a speeding ticket

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 San Fernando are offered by CSAA at $120. However, it can be as expensive as $568 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in San Fernando after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$120	$20
Capital Insurance Group	$659	$110
Mercury	$1123	$189
USAA	$1176	$195
Progressive	$1265	$213
AAA NorCal	$1751	$292
AAA SoCal	$1879	$320
Allstate	$1932	$321
State Farm	$2044	$348
Farmers	$2829	$471
AAA	$367	$62
Kemper	$464	$79
National General	$494	$82
State National	$568	$97

Car Insurance Price Trends in San Fernando, California

Car insurance rates in San Fernando have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Fernando rose by $242 in December compared to $239 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 San Fernando rose to $68 in December, compared to $66 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in San Fernando?

The car insurance in San Fernando is $33 per month, which is lower than the national average.

What is the cheapest car insurance in San Fernando?

The cheapest car insurance in San Fernando is $136 per month for full coverage.

How much is car insurance in San Fernando for teenagers?

Car insurance for teenagers costs $292 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 San Fernando?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $214 per month to insure your car in San Fernando.

Is car insurance expensive in San Fernando?

Car insurance can be expensive in San Fernando if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Fernando can be affordable.

Cheapest Car Insurance Quotes in San Fernando

Why you can trust Way?

How Much Is Car Insurance in San Fernando

Avg. Car Insurance in San Fernando

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Fernando

1st place: CSAA

2nd place: USAA

3rd place: Mercury

San Fernando Car Insurance Rates by Company

Cheap Car Insurance Companies in San Fernando, CA

Way's key takeaways about car insurance in San Fernando

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Fernando

Cheapest Liability Coverage in San Fernando, CA

Cheapest Full Coverage Car Insurance in San Fernando

Cheapest Full Coverage Car Insurance Quotes in San Fernando, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Fernando by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Fernando, CA increasing?

Car Insurance Premiums by Age in San Fernando

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Fernando,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Fernando.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Fernando

Cheapest Car Insurance Companies after an At-Fault Accident in San Fernando

San Fernando Car Insurance Rates by Violation

San Fernando auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Fernando after a DUI

San Fernando car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Fernando after Speeding ticket

Car Insurance Price Trends in San Fernando, California

Average Car Insurance Cost in San Fernando by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Fernando, CA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources