The cheapest car insurance in Burbank starts near $58 per month for a clean-record adult in ZIP 91502 with Geico, based on industry comparison estimates. The Rates Guy compared eight major carriers across five Burbank ZIPs (91501, 91502, 91504, 91505, 91506) using publicly filed rate context. Read on for the full rate comparison.
How Burbank drivers compare
Burbank sits in Los Angeles County with a population of about 107,337, and most of the driving day moves between the I-5, SR-134 (Ventura Freeway), Hollywood Way, and Olive Avenue. Studio workers around Warner Bros and Walt Disney Studios tend to garage in 91505, 91506, or the Media District side of 91501, while commuters into downtown Los Angeles more often garage in 91502. ZIP spread is the first lever Burbank drivers should pull when comparing rates, because carriers can price the same driver profile 8 to 15 percent apart across the five 818 ZIPs inside the city limits.
Rate comparison table
The table below reflects industry comparison estimates for a comparable clean-record adult driver garaging in Burbank. BBB and AM Best ratings reflect carrier-level scores at the time of writing, not city-specific ratings.
| Carrier | Starting Rate | Best For | BBB Rating | AM Best Rating |
|---|---|---|---|---|
| USAA | from $52/mo | Active military and veterans | A+ | A++ |
| Geico | from $58/mo | Clean record drivers | A+ | A++ |
| Mercury | from $61/mo | California-only specialist | A+ | A |
| Progressive | from $64/mo | Drivers with one prior incident | A+ | A+ |
| State Farm | from $72/mo | Bundlers and full coverage | A | A++ |
| AAA (Auto Club) | from $74/mo | Members and bundlers | A+ | A |
| Allstate | from $78/mo | Drivers using telematics | A+ | A+ |
| Farmers | from $81/mo | Multi-vehicle households | A | A |
Carrier availability can vary by Burbank ZIP. USAA only writes for eligible military households. AAA requires a club membership in the affiliated state. Always confirm the carrier will write at your garaging ZIP before assuming the rate transfers from the comparison set to your actual quote.
Cheapest by driver type in Burbank
Young driver under 25
Young drivers in Burbank carry the steepest rate climb in the 818, especially in 91505 and 91504 where SR-134 commute exposure raises liability risk. Industry comparison estimates start near $148 per month with Geico for a 21 year old with a clean record garaging in 91502, with Mercury and Progressive within ten dollars on full-coverage tiers. Allstate Drivewise telematics can pull the monthly rate lower if the driver keeps highway miles modest. State Farm's Steer Clear program is another option for under-25 drivers who can complete the course.
Driver with one at-fault accident
One at-fault claim typically lifts a Burbank premium 28 to 45 percent for three policy years. Progressive's accident-forgiveness tier is usually the cheapest in the comparison set after a first-time claim, with industry comparison estimates landing around $112 per month on minimum liability in 91501. Mercury and Geico price close on the next tier, but the gap widens for drivers garaging closer to the I-5 onramps near Buena Vista Street, where claim frequency runs higher. After three claim-free years, the surcharge typically rolls off and the rate resets.
DUI or SR-22 filer
For Burbank drivers who need an SR-22 certificate filed with the California DMV, Mercury and Progressive are usually the two cheapest carriers willing to write the policy. Industry comparison estimates start near $148 per month for a comparable single-vehicle driver in 91502 on minimum liability with the SR-22 attached. The SR-22 itself is a filing, not a policy, so the carrier handles the paperwork once the policy is bound. For deeper California SR-22 context, the CA Department of Insurance maintains consumer guidance for filers.
Non-owner policy
If you do not own a vehicle but need coverage that follows you when borrowing a car, or you need an SR-22 without a registered vehicle, a non-owner policy is the cheapest path. In Burbank, comparison estimates put non-owner liability starting near $42 per month with Geico for a clean-record adult, with Progressive and Mercury usually within five dollars. Non-owner policies do not include comprehensive or collision because there is no garaged vehicle, which keeps the monthly rate at the bottom of the comparison set.
Senior driver 65 plus
Senior drivers in California qualify under Prop 103 for a mature driver discount once they complete a state-approved course. In Burbank, AAA and State Farm tend to price tightest for senior bundlers, with industry comparison estimates starting near $61 per month for a 65 year old with a clean record in 91506 on minimum liability. Geico runs close, but the bundling discount on AAA homeowners or renters paired with auto often nudges the total lower for retirees in Magnolia Park or Toluca Lake.
Military and veterans
USAA writes only for active military, veterans, and their immediate family members. Where eligible, USAA is consistently the cheapest carrier in the Burbank comparison set, with industry comparison estimates starting near $52 per month for a clean-record veteran in 91502 on minimum liability. For non-eligible drivers, Geico's military-friendly discount on the same profile sits around $58 per month. Veterans living in 91504 near the Hollywood Burbank Airport corridor occasionally see a small uplift on comprehensive coverage, but the headline liability rate generally holds.
Local cost factors in Burbank
Burbank's rate range sits below the Los Angeles County median for full-coverage policies, but a few real local cost factors push individual quotes up or down.
Commute and freeway exposure. Burbank residents who commute on the I-5 and SR-134 (Ventura Freeway) drive through some of the higher-frequency crash corridors in Los Angeles County. The California Highway Patrol publishes verified collision data through its Statewide Integrated Traffic Records System, which you can query by city and freeway at CHP SWITRS. Burbank residential side streets in 91505 and 91506 tend to see lower frequency than the freeway corridors.
Vehicle theft. The Verdugo Mountains foothill ZIPs and the Media District near Warner Bros draw different theft profiles. The National Insurance Crime Bureau publishes vehicle theft and most-stolen vehicle data at NICB, which carriers cross-reference when pricing comprehensive coverage for 91501 and 91502 garaging.
Commute demographics. Mean travel time, vehicle availability, and commute mode for 91501 through 91506 are published by the U.S. Census Bureau through the American Community Survey at data.census.gov. California carriers reference ACS inputs when filing rate plans under Prop 103.
California rate filings. Every rate California carriers use has to be filed with the California Department of Insurance under Prop 103. You can review filings, market share data, and consumer tools at the CA Department of Insurance consumer site.
FAQ
How much does car insurance cost in Burbank?
For a clean-record adult driver in Burbank, industry comparison estimates start near $58 per month on minimum liability and around $148 per month on full coverage. Rates can swing 8 to 15 percent across the five Burbank ZIPs (91501, 91502, 91504, 91505, 91506) because carriers price garaging risk by ZIP. A young driver under 25 should expect roughly $148 per month on minimum liability at the cheapest comparison entry. The Burbank population of 107,337 keeps the city firmly in the urban rate tier.
What is the cheapest car insurance in Burbank?
For drivers eligible for USAA (active military, veterans, immediate family), USAA is consistently the cheapest carrier in the Burbank comparison set, starting near $52 per month on minimum liability. For non-eligible drivers, Geico is usually the cheapest, with industry comparison estimates starting near $58 per month for a clean-record driver garaging in 91502. Mercury, a California-only specialist, tends to be within three dollars on the next tier. Always quote at least three carriers before binding.
Which company has the best rates in Burbank?
It depends on the driver profile. Geico tends to win on clean-record young to mid-age drivers in Burbank. Mercury, a California specialist, runs tightest for SR-22 filers and drivers with one prior incident. State Farm and AAA price best for senior bundlers in 91506. Progressive wins on drivers with a first at-fault claim thanks to accident-forgiveness pricing. USAA wins for any eligible military or veteran household with starting estimates near $52 per month.
How does an SR-22 affect my rate in Burbank?
An SR-22 is a financial responsibility filing, not a policy, and carriers add the filing fee on top of a higher-risk policy rate. For a comparable single-vehicle Burbank driver, an SR-22 attached to minimum liability typically lifts the monthly cost roughly 35 to 70 percent over a clean-record rate. Mercury and Progressive are usually the two cheapest Burbank carriers willing to file the SR-22, with starting estimates near $148 per month on minimum liability in 91502.
Can I get cheap car insurance with bad credit in Burbank?
California prohibits the use of credit information in auto insurance rating under Prop 103. Your credit score does not factor into your Burbank auto rate. Carriers price based on driving record, vehicle, garaging ZIP (91501 through 91506), annual mileage, and coverage limits. If a comparison site shows a credit-based quote in California, that quote is not compliant with California rate filing rules. Stick with carriers that quote without a credit pull.
How fast can I compare Burbank rates?
In about 60 seconds. Most California carriers, including Geico, Progressive, Mercury, and State Farm, will return an indicative quote from name, date of birth, vehicle, and garaging ZIP. The exact bound rate is locked at issue, after the carrier verifies driving record through the California DMV and MVR. Our Burbank comparison framework reflects indicative rates, not bound rates, so always confirm at issue before assuming the rate transfers from the comparison set.
How The Rates Guy compares rates
The Rates Guy publishes weekly refreshed quote comparisons across California cities, cross-checked against publicly filed rate plans on file with the California Department of Insurance. We do not accept payment for carrier placement, and we do not bind policies. This is an editorial site. When a carrier appears in our Burbank comparison table, it is because the carrier is writing in California and our comparison framework returned an indicative rate for a comparable driver profile garaging in one of the five Burbank ZIPs. Indicative rates are not bound rates, so the final monthly cost can shift at issue.
Compare your rate in 60 seconds
Pull an indicative quote from two or three of the carriers above using your real Burbank garaging ZIP, sort by driver profile, and the cheapest one on paper is usually the cheapest at issue. Happy comparing.