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Survey Finds Auto Insurance Premiums in San Fernando Not Among The Highest in L.A. County PDF Print E-mail
Written by Mike Terry   
Thursday, 10 April 2014 02:22

Auto insurance premiums are not inexpensive anywhere in the state of California. But compared to other cities and counties, the insurance rates in San Fernando — if not a bargain — are not that bad.

According to a report released by researchers at on Tuesday, April 8, the average yearly premium cost for the 91340 zip code ranged from $1,398.34, for young male drivers, experienced female drivers and/or family car insurance, to $769. 48 for other levels of the insured including teen drivers, and experienced male and female drivers single or married.

In Los Angeles county, the average yearly costs be as high as $1,913 in the 90010 zip code, and as low as $735.49 in the 90022 zip code.

Simi Valley, the next closest area to the San Fernando Valley listed in the survey, had an average premium rate of $1,262.27.

The report was compiled using public filings on record with the California Department of Insurance, reviewing premium data for seven auto insurance companies collectively representing 38 percent of the total California auto insurance market. These insurers are: Allstate Insurance Company, Geico General Insurance Company, Mercury Casualty, State Farm Mutual, Progressive, SafeCo, Farmers Insurance Exchange.

The analysis included information for all areas in California that are served by all seven insurance companies, encompassing 58 counties and 1,831 zip codes and representing 99.9 percent of the populated areas of the state. mInsurers use multiple variables to determine auto insurance pricing. In order to assess the impact of the variables individually, we used a base case, as defined below, and then changed one variable (age, marital status, annual mileage, etc.) at a time.

The analysis, the report said, “reveals that insurance costs vary based on a number of factors,” ranging from the expected – driving experience and traffic violations – to the somewhat surprising – where you live and the characteristics of your region.

“With over 22 million registered drivers and 15,000 miles of highway, you can see that California definitely is in love with driving! However, one accident every three minutes and 15 seconds means you need to have auto insurance,” said Sonia Garrison, research manager.

“Be careful when you do so,” Garrison continued. “Read reviews and compare rates for several companies, and make an informed decision. Keep in mind that premiums are influenced by more than your driving record — age, make, model and year of the vehicle, annual mileage, security (i.e., alarms) upgrades, safety (i.e., airbags), and even where you live and work. If you have questions about what factors into a premium, make certain you ask and understand the answer before committing.”

Los Angeles had the highest annual rate among the 58 counties — $1,584.61 (based on an experienced female driver with no accidents within the past five years). The county with the lowest premium average? San Luis Obispo, at $1,013.77.

Glendale, at $1824.93, had the highest premium rate among the 100 top California cities surveyed (based on population). Santa Maria had the lowest premiums for a city at $997.47.

Other data released in the report included:

— Using a baseline of $1,268.17 for drivers at age 37, a driver age 16 could have premiums as high as $3,998.59 while drivers aged 55 could pay a low of $1,149.49;

— Latinos living in zip codes where the specified minority population is more than 50 percent pay an average $1,348; in zip codes where the minority population is less than 10 percent, that cost drops to $1,210. For African Americans, the average cost in the more than 50 percent minority population is $1,655, and $1,246 in the less than 10 percent minority population. For Asian Americans, the two average costs are $1,372 and $1,223;

— The occupations with the lowest average premium rates were engineers and scientists/ researchers ($1,126.92), and teachers ($1,135.21). The occupations with the highest average rates were homemakers, retirees, or those self-employed ($1,268.17).


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