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Finding the cheapest car insurance quotes in Sylmar 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 Sylmar
The car insurance rate in Sylmar is $1335 for a six-month policy, which is $324 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $847, making it a popular choice for budget-conscious drivers. Rates in Sylmar 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 $847 for a six
month policy, CSAA offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $1074 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Mercury
Mercury offers auto insurance
rates at $1137
for six months, making it
the third cheapest auto insurance company in Sylmar.
Sylmar Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Sylmar, CA is CSAA, offering policies at just $847 for a six-month term. This is followed by USAA, which has an average six-month premium of $1074.
At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $1019 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sylmar drivers find the best deals.
The auto insurance costs in Sylmar fall around $847 for six
months.
The cheapest auto insurance company in Sylmar is CSAA.
Teen drivers pay the highest rate in Sylmar at $88 per
month.
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Cheapest Minimum Liability Car Insurance in Sylmar
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 Sylmar are given below.
CSAA provides
the cheapest minimum car insurance
coverage in Sylmar. Their Average 6 Month Premium is $203.
21st Century is the most
expensive at $533 for the same
period.
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 Sylmar is CSAA
at $143 per month and $847
for six months.
Cheapest Full Coverage Car Insurance Quotes in Sylmar,
CA
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 Sylmar, CA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Sylmar, 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, Sylmar's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Sylmar
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
$772
30s
Wawanesa
$623
40s
Wawanesa
$623
50s
Wawanesa
$623
60s
Wawanesa
$623
70s
Wawanesa
$610
Cheapest Car Insurance Rates for Teen Drivers in
Sylmar,CA
If you are planning to get a car insurance policy for your teenage
dependent, AAA provides the cheapest car
insurance in the Sylmar at $51
per
month. At $517 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 Sylmar.
As young drivers face the highest rates in Sylmar, Wawanesa
offers the cheapest auto insurance rates at $772 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 Sylmar,
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
Sylmar 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 Sylmar
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 Sylmar, CA,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Sylmar
The cheapest car insurance companies after an at-fault accident in
Sylmar include AAA
and Capital Insurance Group, offering $502
and $721,
respectively. 21st Century is an expensive provider
with an average six-month premium of
$902.
Here is a list of driving violations that can increase your car
insurance rates in Sylmar CA. For example, the car
insurance in Sylmar
after a DUI increases to $2297 for a six
month policy. While the rate increases by $603 for a six-month policy in the case of
a speeding ticket.
Sylmar auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1435
$239
Not-at-fault accident
$1435
$244
One comp claim
$1435
$239
One Med/PIP claim
$1435
$244
Two comp claims
$1435
$239
Two Med/PIP claims
$1435
$244
At-fault accident - less than $1000
$1467
$244
Failure to show documents
$1890
$321
Driving with expired registration
$1929
$322
Driving without lights
$1929
$327
Failure to wear a seat belt
$1936
$323
Child safety restraint
$1952
$331
Speeding 11 - 15 MPH over limit
$2030
$338
Speeding 16 - 20 MPH over limit
$2030
$346
Driving too slowly
$2038
$339
Failure to stop at a red light
$2038
$347
Failure to yield
$2038
$339
Following too closely
$2038
$347
Illegal turn
$2038
$339
In 65 MPH zone
$2038
$347
Speeding 21 - 25 MPH over limit
$2038
$339
Speeding 6 - 10 MPH over limit
$2038
$347
Speeding in school zone
$2038
$339
Improper passing
$2046
$348
Cell phone violation
$2054
$342
Texting while driving
$2054
$350
Passing school bus
$2078
$346
Wrong way/wrong lane
$2430
$413
Operating a vehicle without permission
$2486
$414
At-fault accident - $1000-$2000
$2501
$425
At-fault accident - greater than $2000
$2501
$417
Open container
$2509
$426
Driving with a suspended license
$2909
$484
Reckless driving
$3544
$603
Racing
$3584
$597
Leaving scene of an accident/hit and run
$3598
$612
DUI
$3732
$622
Refusal to submit to a chemical test
$3732
$635
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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 Sylmar 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 Sylmar.
The cheapest car insurance premiums in
Sylmar are
offered by AAA at $987 for a six-month policy.
However, it can be as
expensive as $832 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 Sylmar are offered by CSAA
at $125. However,
it can be as expensive as $595
with companies like State National for a similar
six-month premium.
Cheapest Car Insurance in Sylmar after Speeding ticket
Car insurance rates in Sylmar have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Sylmar rose by
$253 in December
compared to $251 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Sylmar rose to $71 in December,
compared to $69 in November.
This represents an increase of $2
when comparing December and November.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Sylmar. At $2669 for a
six-month policy, insuring
your car at 91342 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 Sylmar?
The car insurance in Sylmar is $34 per month, which is lower than the national average.
What is the cheapest car insurance in Sylmar?
The cheapest car insurance in Sylmar
is $143 per month
for full coverage.
How much is car insurance in Sylmar for teenagers?
Car insurance for teenagers costs $306 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
Sylmar?
The average cost of car insurance is $1011 for a six-month
policy. It will cost around $224 per month to insure your
car in Sylmar.
Is car insurance expensive in Sylmar?
Car insurance can be expensive in Sylmar if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Sylmar can be
affordable.
What is the best car insurance in Sylmar,
CA?
The best car insurance company in Sylmar
CA is
CSAA, offering $847 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Sylmar, CA
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Sylmar Car Insurance
