Car Insurance in Burbank, California
Estimated full coverage in Burbank runs about $1,605 a year ($134/month) — ▲ +3% versus the California average, ranking 45th most expensive of the 77 California cities we cover.
Why car insurance in Burbank costs more than the California average
Insurers price by territory, and Burbank's numbers explain most of the gap. With 103,533 residents on 17.3 square miles, the city's density (5,979 people per square mile) is 2.6 times the density where the typical California resident lives (2,278). The average commute is 26.0 minutes (California: 28.7), and 59% of workers drive alone. Together these put our location factor at 1.03× the state baseline for liability and collision, and 1.06× for comprehensive once FEMA weather risk for Los Angeles County is included.
| Factor | Burbank | California ref. | Why it matters |
|---|---|---|---|
| Population density | 5,979 / sq mi | 2,278 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 26.0 min | 28.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 7.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 59.4% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 30.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 76.0 | 64.0 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Burbank
Rates can change from one ZIP code to the next. Across 5 Burbank ZIP codes, our full-coverage estimate ranges from $1,560 in 91504 to $1,665 in 91502. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 91505 | 31,744 | 5,929 | 24.4 min | 5.5% | $1,585 | −1% |
| 91504 | 27,010 | 2,898 | 27.1 min | 5.4% | $1,560 | −3% |
| 91501 | 19,016 | 6,971 | 26.5 min | 11.3% | $1,625 | +1% |
| 91506 | 18,612 | 7,681 | 25.9 min | 3.7% | $1,625 | +1% |
| 91502 | 11,652 | 8,676 | 28.2 min | 20.9% | $1,665 | +4% |
Minimum car insurance in Burbank
Burbank drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Burbank at $590 a year, and $820 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — California does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured motorist bodily injury and property damage coverage; declining it requires a signed waiver. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is offered with uninsured motorist coverage and can be waived in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.
Minimums were raised recently from 15/30/5.
Risk factors that shape Burbank premiums
Accidents
California recorded 3,876 traffic deaths, or 1.19 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
California's vehicle theft rate is 317 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Los Angeles County as relatively moderate for hail, very high for inland flooding and relatively moderate for strong wind.
Traffic & commuting
7.2% of Burbank commuters spend an hour or more getting to work, and there are 1.66 vehicles per household. 30.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 93.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.7 | Comprehensive; dwelling | |
| Hurricane | 0.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 100.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | 90.0 | Comprehensive; home needs a separate flood policy | |
| Strong wind | 75.2 | Comprehensive; dwelling | |
| Winter weather | 74.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Burbank by driver profile
A clean-record driver in their 50s pays the least in our Burbank model (about $1,475 for full coverage); an 18-year-old on their own policy pays about $4,415, and a DUI pushes a 30-something to $2,970.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,620 | $2,260 | $4,415 | $368 |
| Young adult (22) | $945 | $1,315 | $2,570 | $214 |
| Adult in their 30s | $590 | $820 | $1,605 | $134 |
| Adult in their 50s | $540 | $755 | $1,475 | $123 |
| Senior (72) | $660 | $920 | $1,800 | $150 |
| 30s, one at-fault accident | $855 | $1,190 | $2,330 | $194 |
| 30s, DUI on record | $1,090 | $1,520 | $2,970 | $248 |
Minimum vs. standard vs. full coverage in Burbank
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $590 | $49 | $485–$695 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $820 | $68 | $675–$970 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,605 | $134 | $1,315–$1,895 |
Estimate your premium in Burbank
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Cheap car insurance in Burbank: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Burbank's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $110 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $110 | You're among the 30.4% of Burbank workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $435 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $785 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $355 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Burbank
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 51 offices listed below.
- Check complaint records with the California Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Burbank, our estimates differ by up to $105 a year between neighborhoods.
Car insurance agents near Burbank, CA
We found 51 insurance offices within about 3 miles of central Burbank, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Mohamad Maaz - Allstate
1516 Sn Fernando 201, Burbank, CA 91504 -
State Farm
1303 North San Fernando Boulevard, Burbank, CA 91504 -
Brian Pomagier - Farmers Insurance
1903 N Glenoaks Blvd, Burbank, CA 91504 -
Mike Kobaissi - Farmers Insurance
1312 W Burbank Blvd, Burbank, CA 91506 -
Allianz
CA -
Oussama Ahmaad Maaz - Farmers Insurance
1807 W Burbank Blvd, Burbank, CA 91506 -
Naira Valan Panosian - Farmers Insurance
444 Irving Dr, Burbank, CA 91504 -
Jeffrey Keith Sporkin - Farmers Insurance
2214 W Burbank Blvd, Burbank, CA 91506 -
Edward Madadi - Farmers Insurance
539 N Glenoaks Blvd, Burbank, CA 91502 -
Narbeh Kamarzari - Farmers Insurance
1403 W Magnolia Blvd, Burbank, CA 91506 -
Allstate
361 Magnolia Boulevard, B/102, , CA -
Brenda Lisbeth Kuhn - Farmers Insurance
1605 W Magnolia Blvd, Burbank, CA 91506 -
Theresa Ann Sobocinski - Farmers Insurance
2829 N Glenoaks Blvd, Burbank, CA 91504 -
Yadira Estrada Villa - Farmers Insurance
1604 W Magnolia Blvd, Burbank, CA 91506 -
Don O'neil - State Farm
219 N 3rd Street, Burbank, CA 91502 -
Dream Liners Insurance Services
232 Glenoaks Boulevard, , CA -
Knarik Vardanyan - Farmers Insurance
124 E Olive Ave, Burbank, CA 91502 -
Michell Navarro - State Farm
150 E Olive Ave, Ste 211, Burbank, CA 91502 -
Safe coast Insurance
121 South Glenoaks Boulevard, , CA -
Anush Insurance Services
132 South Glenoaks Boulevard, Burbank, CA 91502 -
Erika Lisette Cardenas - Farmers Insurance
2401 W Magnolia Blvd, Burbank, CA 91506 -
David Felix Nunez - Farmers Insurance
3400 W Victory Blvd, Burbank, CA 91505 -
Roberta Ann Moriel - Farmers Insurance
3404 W Victory Blvd, Burbank, CA 91505 -
Farmers Insurance
401 South Glenoaks Boulevard, #203, Burbank, CA 91502 -
Gino Mattunts - Allstate
401 S Glenoaks Blvd, Ste 104, Burbank, CA 91502 -
Rotuno Insurance Agency
200 North Orchard Drive, #102, , CA -
Jack Amran - Allstate
9795 Cabrini Dr, Ste 103, Burbank, CA 91504 -
Nazeli Virabyan - Farmers Insurance
800 S Victory Blvd, Burbank, CA 91502 -
Tag Insurance Agency
CA -
Isabel Munoz - State Farm
3804 W. Burbank Blvd., Suite A, Burbank, CA 91505 -
Tari Boxwell - State Farm
2203 West Olive Avenue, Burbank, CA 91506 -
Edmund Cyril Kellogg - Farmers Insurance
2221 W Olive Ave, Burbank, CA 91506 -
Marlen Theresia Paoletta - Farmers Insurance
259 W Alameda Ave, Burbank, CA 91502 -
Doug Auzat - State Farm
1010 N. Hollywood Way, Burbank, CA 91505 -
Allstate
CA -
Matt Flynn - State Farm
1931 W Glenoaks Blvd, Glendale, CA 91201 -
Alan Schultz - State Farm
1915 West Glenoaks Blvd, Suite 100, Glendale, CA 91201 -
Varaga Zeinali - Allstate
4020 W Magnolia Blvd, Ste E, Burbank, CA 91505 -
Tet Valdez - Allstate
10523 Burbank Blvd, Ste 107, North Hollywood, CA 91601 -
Earendil Tindome Burd - Farmers Insurance
2920 W Olive Ave, Burbank, CA 91505
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Burbank
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,195 | −26% |
| Subaru Outback | Wagon | $1,180 | −26% |
| Tesla Model 3 | Midsize car | $1,745 | +9% |
| Subaru Forester | Small SUV | $1,155 | −28% |
| Honda Civic | Compact car | $1,855 | +16% |
| Toyota Corolla | Compact car | $1,720 | +7% |
| Jeep Wrangler | Midsize SUV | $1,325 | −17% |
| Mazda CX-5 | Small SUV | $1,360 | −15% |
| MINI Cooper | Subcompact car | $1,215 | −24% |
| Tesla Model Y | Midsize SUV | $1,570 | −2% |
Car insurance in nearby California cities
- Glendale $1,625/yr · 5 mi
- Pasadena $1,620/yr · 11 mi
- Los Angeles $1,705/yr · 13 mi
- Inglewood $1,730/yr · 16 mi
- Santa Clarita $1,665/yr · 19 mi
- El Monte $1,685/yr · 19 mi
- Downey $1,715/yr · 21 mi
- Simi Valley $1,550/yr · 25 mi
- Torrance $1,630/yr · 25 mi
- West Covina $1,720/yr · 26 mi
- Long Beach $1,700/yr · 30 mi
- Palmdale $1,680/yr · 30 mi
All California cities and state rules · Homeowners insurance in Burbank
Frequently asked questions
How much is car insurance in Burbank, CA?
We estimate full coverage in Burbank at about $1,605 a year ($134 a month) for a driver in their 30s with a clean record, and about $590 for California's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Burbank more expensive than the California average?
Our Burbank estimate is 3% higher than the statewide figure. The model reflects a population density of 5,979 people per square mile (the typical California resident lives at about 2,278) and an average commute of 26.0 minutes versus 28.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Burbank?
Drivers in Burbank follow California law: at least 30/60/15 liability coverage.
Which ZIP code in Burbank has the cheapest car insurance?
Among Burbank's 5 ZIP codes, 91504 has the lowest estimate (about $1,560 a year for full coverage) and 91502 the highest (about $1,665), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Burbank?
An 18-year-old with their own full-coverage policy would pay around $4,415 a year in Burbank by our estimate ($1,620 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Burbank?
Yes. FEMA's National Risk Index rates Los Angeles County for inland (river) flooding (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Burbank?
We list 51 insurance offices in and around Burbank, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- California DMV: Auto Insurance Requirements
- California Department of Insurance: Automobile Insurance guide
- California DMV: Financial Responsibility (Insurance)
- California Department of Insurance: Compare Insurance Premiums
- California Department of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Burbank and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places