Find Car Insurance in Van Nuys, California

What You Should Know About Car Insurance in Van Nuys, California

Van Nuys was founded in 1911, but its time as an independent town ended shortly thereafter when Los Angeles annexed it in 1915. It is currently a thriving neighborhood with industries such as healthcare, government, retail, manufacturing, and automotive providing employment for its residents. Its municipal complex provides government services to the entire San Fernando Valley. While Van Nuys is fully developed, the neighborhood maintains many parks and open spaces and has numerous landmarked buildings that trace back to its early days.

Serving as the “second downtown of L.A.,” you will want to make sure your auto coverage is in order before you ride through this busy neighborhood. InsureOne expert agents are waiting to help you find the best auto insurance at the best price in California.

How Much Does Car Insurance Cost in Van Nuys, California?

Auto coverage is a must in the Golden State. Without it, you cannot register or drive your vehicle. Considering the cost of living in this state, car insurance in California is relatively affordable. A minimum liability policy averages $636 yearly compared to $622 nationally, while full coverage costs $2,291 versus the $2,014 average for the rest of the country.

Why Is Insurance in Van Nuys So Expensive?

Van Nuys is a mostly urban area in Los Angeles. L.A. is congested and has a high accident rate, meaning that insurers have to pay out many claims. The high cost of living in the city and the state also contributes to higher coverage pricing. Many of these claims result in carriers having to pay to repair or replace a vehicle or to pay for an injured party’s medical care. Since the cost of parts, labor, and healthcare are high in the area, claims can be costly, and insurers need to charge customers accordingly.

Affordable Car Insurance Rates Comparison by Cities in California

Many factors affect the cost of your coverage, including your exact location, as is evident in the following table.

City	Full Coverage Insurance	Liability Insurance Coverage
Van Nuys	$291	$83
Los Angeles	$305	$114
San Diego	$179	$61
Sacramento	$214	$76
San Francisco	$183	$114

What Types of Car Insurance Discounts Are Available in Van Nuys?

Everyone wants to get a lower insurance premium if possible, and one of the ways of accomplishing this is by capitalizing on discounts insurers offer. InsureOne agents provide top-tier service, which includes finding high-quality carriers that offer these and many other discounts:

• Multi-car discount
• Loyalty discount
• Low-mileage discount
• Defensive driver discount
• Student discount

Notable Car Insurance Laws in Van Nuys

Below are some of the laws you need to know if you live in the Golden State and need auto coverage.

What Are the Mandatory Car Insurance Requirements in Van Nuys?

Carriers offer minimum liability policies. These include the basic coverage required, which varies by state. In California, these are the required coverages every driver must obtain before driving on a public road:

• $15,000 liability coverage for bodily injury per person
• $30,000 liability coverage for bodily injury per accident
• $5,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Van Nuys?

In addition to having to pay for all of the damages you cause in an accident, if you do drive without auto coverage, these are the fines and penalties the state imposes:

• $100 to $200 fine
• $200 to $500 fine for a second offense
• Possible license suspension
• Possible vehicle impoundment
• Additional penalties or fines

Do Van Nuys–Specific Laws Play a Role in Determining Your Insurance Premiums?

Insurers in the Golden State must use factors directly related to risk and cost when formulating a car insurance quote. These are some of the allowable details about you or your vehicle that they may use by state law:

• Safety rating: The safer your vehicle is, the less you will pay on your premiums.
• Probability of theft: Anti-theft devices that protect your car from thieves will lower your full coverage rate.
• Vehicle Cost: Expensive vehicles cost more to insure than cheaper cars.
• Amount of coverage: If you obtain more than the minimum required, each option will add to your policy cost.
• Driving record: Drivers with fewer tickets and accidents on their record pay less for coverage.

Auto Insurance Rates for Young Drivers vs. Older People in California

California insurers may not use age as a basis for auto insurance pricing. However, it still works out that teenagers pay the highest premiums in the state since driving experience is an important factor in determining rates and teens are new drivers. But if someone starts driving for the first time when they are older, they will also be subject to a more expensive policy since, despite their age, they do not have any driving experience.

Regardless of your age or driving experience, InsureOne’s expert agents help you find the best auto insurance with customizable options that best meet your needs.

How Many Car Accidents Happen in Van Nuys Per Year?

The Office of Traffic Safety does not keep isolated statistics for Van Nuys, but here are the numbers for accidents in which people were injured or killed in 2021 in Los Angeles and some of the other large cities in the Golden State:

City	Crashes Resulting in Injuries or Fatalities
Los Angeles	11,202
San Diego	5,056
Sacramento	4,296
San Jose	2,745
San Francisco	3,435

How Many Uninsured/Underinsured Motorists Are in Van Nuys?

In 2022, 17% of California drivers were uninsured. It is important to obtain uninsured/underinsured driver coverage in states where there is a high likelihood of getting into an accident with a driver who does not have a good policy in place. If they were to crash into you, it would be hard to recoup your losses.