San Fernando drivers can compare car insurance quotes with A1 and see how vehicle theft rates of 4.6 per 1,000 residents play into their prices.
How Much Does Car Insurance Cost in San Fernando?
Vehicle theft is a notable local factor, since San Fernando police logged 109 thefts in 2025, a rate of 4.6 per 1,000 people compared with 3.2 statewide. Under Prop 103, your driving record, annual mileage and years of experience count most, while ZIP code 91340 and the car you drive are optional factors that can still move your price.
| Factor | San Fernando | California |
|---|---|---|
| Average commute | 30 min | 29 min |
| Homes with 2+ cars | 69% | 63% |
| Car thefts per 1,000 | 4.6 | 3.2 |
| ZIP codes | 1 |
Why San Fernando Drivers Compare Quotes With A1
Carriers weigh things like theft risk and location differently, so the same driver can get quite different quotes from company to company. Because A1 isn’t tied to one insurer, it shops several California carriers for you, and the quote costs nothing.
About San Fernando, California
San Fernando is a small incorporated city of about 23,700 people in Los Angeles County, covering just 2.4 square miles. It sits at roughly 1,070 feet in elevation and shares the single ZIP code 91340. Burbank, the nearest city over 100,000 people, is about 9 miles away, with Santa Clarita and Glendale also within reach.
- County
- Los Angeles County
- Population
- 23,716 (Census est.)
- Major routes
- I-5, I-210, SR-118
Driving in San Fernando: What to Know
Most residents drive alone to work, about 76% compared with 67% across California. The average commute is about 30 minutes, close to the state average of 29. Only about 2% use public transit, and around 69% of households have two or more vehicles, so many families have several cars to insure. I-5, I-210 and SR-118 run through or near the city, which means regular freeway miles that you should factor in when estimating your annual mileage.
State highways through or near San Fernando:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for San Fernando
The nearest DMV office is Arleta DMV at 14400 Van Nuys Blvd., Arleta, CA 91331, about 3 miles away.
Nearest DMV: Arleta
14400 Van Nuys Blvd., Arleta, CA 91331
About 2.9 miles from San Fernando
California Car Insurance Rules for San Fernando Drivers
California's minimum liability coverage is 30/60/15, meaning $30,000 per injured person, $60,000 per accident and $15,000 for property damage. With theft above the state rate here, comprehensive coverage is worth considering, since liability-only does not pay for your own car if it is stolen.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
San Fernando ZIP Codes and Nearby Areas
ZIP codes in San Fernando:
Nearby cities and communities:
More About San Fernando
Founded in 1874 and later incorporated as its own city, San Fernando is a small, tight-knit community in the northeast San Fernando Valley, surrounded by the city of Los Angeles. Here’s what locals love:
- Mission San Fernando Rey. Founded in 1797, the mission gave the whole valley its name. Its gardens, courtyards and old adobe buildings sit just down the road from the city.
- Lopez Adobe. This historic adobe home is a reminder of the area's rancho past, and it's one of the city's best spots for a look at early local history.
- Downtown San Fernando Road. Family-run bakeries, taquerias and shops line the main drag, and the city's deep Latino roots show in the food, music and neighborhood festivals.
- Foothills and Hansen Dam. Hansen Dam Recreation Area, a few minutes away, has trails, a lake and open space against a backdrop of the San Gabriel Mountains.
San Fernando Car Insurance FAQ
Does car theft in San Fernando affect my insurance?
It can. San Fernando's rate of 4.6 thefts per 1,000 people is higher than the 3.2 statewide average, and ZIP code is an optional rating factor. Comprehensive coverage pays for theft, fire, flood and vandalism.
How much does my commute matter for my rates?
Annual mileage is one of the top factors insurers must weigh, and the average San Fernando commute is about 30 minutes. A shorter or longer drive than that can change your quote.
Can I get a discount for being a good driver?
Yes. Qualifying good drivers get at least a 20% Good Driver Discount in California. Compare quotes through A1 by phone, text or the online form to see what each carrier offers.