Compare Simi Valley, CA Car Insurance Rates [2024]
Car insurance in Simi Valley, CA averages $312 a month. Simi Valley, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Simi Valley car insurance rates, compare quotes from the top car insurance companies in Simi Valley, CA.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 13, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Simi Valley, CA after a DUI are $5,273/year
- The cheapest car insurance company in Simi Valley for teen drivers is USAA
- The cheapest car insurance company in Simi Valley is USAA
If you need to buy Simi Valley, California car insurance, the options can be confusing. Everything you need to know about car insurance in Simi Valley, CA is right here.
You’ll find Simi Valley car insurance rates, the cheapest Simi Valley, CA car insurance companies, and information on California car insurance laws. You can also compare Simi Valley, California car insurance rates to Anaheim car insurance rates, San Diego car insurance rates, and Sacramento car insurance rates.
Ready to find affordable Simi Valley, CA car insurance today? Enter your ZIP code for fast, free Simi Valley car insurance quotes.
Cheapest Simi Valley, CA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Simi Valley, CA car insurance rates? Every Simi Valley, California car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,194 | $3,181 | $2,331 | $2,334 | $8,925 | $11,191 | $4,027 | $4,363 |
| Farmers | $2,657 | $2,657 | $2,411 | $2,411 | $8,444 | $13,722 | $3,147 | $3,505 |
| Geico | $1,773 | $1,773 | $1,667 | $1,667 | $5,401 | $5,482 | $2,547 | $2,598 |
| Liberty Mutual | $2,249 | $2,115 | $2,109 | $2,037 | $4,860 | $5,226 | $2,516 | $2,557 |
| Nationwide | $3,265 | $3,113 | $2,880 | $2,710 | $8,361 | $9,237 | $3,900 | $3,837 |
| Progressive | $1,921 | $1,976 | $1,658 | $1,958 | $5,230 | $6,275 | $2,793 | $3,001 |
| State Farm | $3,285 | $3,285 | $2,936 | $2,936 | $6,095 | $7,578 | $3,637 | $3,748 |
| Travelers | $2,497 | $2,407 | $2,211 | $2,191 | $5,290 | $5,916 | $3,232 | $3,155 |
| USAA | $1,977 | $1,870 | $1,929 | $1,934 | $4,538 | $4,555 | $2,729 | $2,577 |
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Minimum Car Insurance in Simi Valley, CA
Every driver must carry the minimum car insurance required by the state in Simi Valley, CA. Take a look at the California car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
Cheapest Simi Valley, CA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in Simi Valley, CA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,986 | $4,986 | $7,890 | $3,910 |
| Farmers | $3,608 | $4,906 | $6,097 | $4,866 |
| Geico | $2,000 | $3,096 | $3,876 | $2,482 |
| Liberty Mutual | $2,569 | $3,437 | $3,106 | $2,722 |
| Nationwide | $3,252 | $4,174 | $7,051 | $4,174 |
| Progressive | $2,020 | $3,459 | $4,011 | $2,915 |
| State Farm | $2,992 | $3,566 | $6,723 | $3,470 |
| Travelers | $2,224 | $3,685 | $4,228 | $3,313 |
| USAA | $1,835 | $2,736 | $4,473 | $2,011 |
Cheapest Simi Valley, CA Car Insurance for Teen Drivers
Teen car insurance in Simi Valley, CA can be expensive. Take a look at rates from the top car insurance companies in Simi Valley for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,925 | $11,191 |
| Farmers | $8,444 | $13,722 |
| Geico | $5,401 | $5,482 |
| Liberty Mutual | $4,860 | $5,226 |
| Nationwide | $8,361 | $9,237 |
| Progressive | $5,230 | $6,275 |
| State Farm | $6,095 | $7,578 |
| Travelers | $5,290 | $5,916 |
| USAA | $4,538 | $4,555 |
Cheapest Simi Valley, CA Car Insurance for Seniors
Take a look at Simi Valley, CA rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,331 | $2,334 |
| Farmers | $2,411 | $2,411 |
| Geico | $1,667 | $1,667 |
| Liberty Mutual | $2,109 | $2,037 |
| Nationwide | $2,880 | $2,710 |
| Progressive | $1,658 | $1,958 |
| State Farm | $2,936 | $2,936 |
| Travelers | $2,211 | $2,191 |
| USAA | $1,929 | $1,934 |
Cheapest Simi Valley, CA Car Insurance Rates After a DUI
A DUI in Simi Valley, CA increases car insurance rates. Compare Simi Valley, California car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,890 |
| Farmers | $6,097 |
| Geico | $3,876 |
| Liberty Mutual | $3,106 |
| Nationwide | $7,051 |
| Progressive | $4,011 |
| State Farm | $6,723 |
| Travelers | $4,228 |
| USAA | $4,473 |
Cheapest Simi Valley, CA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Simi Valley, CA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,446 | $5,440 |
| Farmers | $4,416 | $5,322 |
| Geico | $2,601 | $3,126 |
| Liberty Mutual | $2,716 | $3,202 |
| Nationwide | $4,118 | $5,208 |
| Progressive | $2,813 | $3,390 |
| State Farm | $4,034 | $4,341 |
| Travelers | $3,030 | $3,695 |
| USAA | $2,546 | $2,982 |
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Cheapest Simi Valley, CA Car Insurance Rates by ZIP Code
Simi Valley car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Simi Valley, CA.
| ZIP Code | Average Annual Rates |
|---|---|
| 93063 | $5,152 |
| 93065 | $5,102 |
The Best Cheap Car Insurance Companies in Simi Valley, CA
Take a look at a side-by-side comparison of the top car insurance companies in Simi Valley, CA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,943 |
| Farmers | $4,869 |
| Geico | $2,864 |
| Liberty Mutual | $2,959 |
| Nationwide | $4,663 |
| Progressive | $3,101 |
| State Farm | $4,188 |
| Travelers | $3,362 |
| USAA | $2,764 |
Category Winners: Cheapest Car Insurance in Simi Valley, California
Find the cheapest car insurance companies in Simi Valley, CA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
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Cheapest Simi Valley, CA Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your Simi Valley car insurance rates. Find the cheapest Simi Valley, CA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,620 | $4,994 | $5,215 |
| Farmers | $4,493 | $4,911 | $5,203 |
| Geico | $2,568 | $2,900 | $3,123 |
| Liberty Mutual | $2,727 | $2,987 | $3,162 |
| Nationwide | $4,129 | $4,753 | $5,107 |
| Progressive | $2,723 | $3,207 | $3,374 |
| State Farm | $3,722 | $4,271 | $4,569 |
| Travelers | $2,831 | $3,471 | $3,785 |
| USAA | $2,489 | $2,821 | $2,982 |
What affects car insurance rates in Simi Valley, California?
What are the factors that affect car insurance rates in Simi Valley, CA? There are several reasons why Simi Valley car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Simi Valley, California.
Car Theft in Simi Valley
High levels of vehicle theft can make car insurance more expensive. Simi Valley, CA car theft statistics from the FBI indicate 120 vehicle thefts a year.
Commute Time in Simi Valley
The more time you spend in your car the higher the risk of an accident. The average commute length in Simi Valley, CA is 30.9 minutes according to City-Data.
Compare Car Insurance Quotes in Simi Valley, CA
Ready to find affordable Simi Valley, California car insurance today? Enter your ZIP code for fast, free Simi Valley, CA car insurance quotes.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Frequently Asked Questions
How are car insurance rates determined in Simi Valley, CA?
Car insurance rates in Simi Valley, CA are determined based on several factors, including your driving history, age, gender, type of vehicle, coverage limits, deductible amount, and the level of risk associated with the area where you live.
Are car insurance rates higher in Simi Valley, CA compared to other areas?
Car insurance rates can vary from one area to another, and Simi Valley, CA is no exception. Factors such as population density, traffic congestion, crime rates, and local weather conditions can impact insurance rates. While Simi Valley generally has a lower crime rate and fewer traffic incidents compared to larger cities, insurance rates can still vary depending on individual circumstances.
What are some pros of car insurance rates in Simi Valley, CA?
- Simi Valley generally has a lower crime rate compared to larger cities, which can help keep insurance rates relatively lower.
- It is a suburban area with fewer traffic incidents and accidents compared to urban areas, which may result in lower insurance premiums.
- Simi Valley benefits from a moderate climate, reducing the likelihood of weather-related damage and claims.
What are some cons of car insurance rates in Simi Valley, CA?
- Even though Simi Valley has lower crime rates and traffic incidents compared to larger cities, insurance rates can still be influenced by individual factors such as driving history, vehicle type, and coverage limits.
- Car insurance rates can still be higher in Simi Valley compared to rural areas due to population density and the proximity to major cities like Los Angeles.
How can I find the best car insurance rates in Simi Valley, CA?
To find the best car insurance rates in Simi Valley, CA, consider the following steps:
- Shop around and obtain quotes from multiple insurance providers to compare rates.
- Review the coverage options and deductibles offered by each insurer to ensure they meet your needs.
- Consider bundling your car insurance with other policies (such as homeowner’s insurance) to potentially qualify for discounts.
- Maintain a good driving record and consider taking defensive driving courses to potentially qualify for lower rates.
- Seek advice from an insurance agent or broker who can help you navigate the options available to you.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.