Cheapest and Best Car Insurance Companies in Simi Valley, CA


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ByMark Fitzpatrick
Edited byKathryn Schroeder
ByMark Fitzpatrick
Edited byKathryn Schroeder

Updated: May 20, 2024

Advertising & Editorial Disclosure

Your needs decide the cheapest car insurance company. In Simi Valley, AAA California is the cheapest for minimum coverage, while National General offers the lowest rate for full coverage and with a traffic violation (speeding ticket, at-fault accident or DUI). State Farm is the cheapest for teens on a family policy.

For affordability alongside service quality, AAA California is the best overall. The best for customer service is Chubb, while GEICO is for minimum coverage.

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2024

Cheapest and Best Car Insurance in Simi Valley, CA

Why Trust MoneyGeek? Simi Valley car insurance rates and other data are collected from the California Department of Insurance and Quadrant Information Services. A proprietary scoring system was also used to rank insurance companies in our analysis.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Simi Valley

In Simi Valley, the average cheapest minimum coverage policy is with the following auto insurers:

  • AAA California: $473 per year
  • GEICO: $478 per year

Chubb is the most expensive company for minimum coverage at about $791 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
AAA CaliforniaAnnual Premium$473Monthly Premium$39
GEICOAnnual Premium$478Monthly Premium$40
MercuryAnnual Premium$491Monthly Premium$41
ProgressiveAnnual Premium$541Monthly Premium$45
State FarmAnnual Premium$595Monthly Premium$50
KemperAnnual Premium$601Monthly Premium$50
NationwideAnnual Premium$628Monthly Premium$52
TravelersAnnual Premium$637Monthly Premium$53

California requires drivers to carry an auto insurance policy that covers bodily injury liability and property damage liability with at least the following amounts:

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

Having liability-only insurance means you’re only covered for damages to the other driver in an accident. So if you are at fault and have $15,000 in bodily injury liability per person and $30,000 per accident, your insurance provider will cover the cost of damages for each individual up to $15,000, for a maximum of $30,000 per accident.

Cheapest Full Coverage Car Insurance in Simi Valley

On average, the least expensive car insurance companies in Simi Valley for full coverage are:

  • National General: $1,007 per year
  • AAA California: $1,061 per year

Chubb’s full coverage policy is the most expensive at around $1,822 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$1,007Monthly Premium$84
AAA CaliforniaAnnual Premium$1,061Monthly Premium$88
MercuryAnnual Premium$1,145Monthly Premium$95
GEICOAnnual Premium$1,171Monthly Premium$98
ProgressiveAnnual Premium$1,190Monthly Premium$99
State FarmAnnual Premium$1,303Monthly Premium$109
AllstateAnnual Premium$1,315Monthly Premium$110
NationwideAnnual Premium$1,402Monthly Premium$117

A full coverage policy includes comprehensive and collision insurance along with liability insurance.

  • Collision Insurance: It pays for the cost of damages to your car if you hit an object or another vehicle.
  • Comprehensive Insurance: It pays for the cost of damages to your car caused by incidents such as a break-in, vandalism or falling objects.

Getting full coverage is a good idea if you own a high-value car. However, paying more for additional coverage may not be worth it if your vehicle has a low value or is old.

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Cheapest Car Insurance in Simi Valley After a Driving Offense

Simi Valley drivers looking for a full coverage policy after a traffic violation may find the average lowest rates from:

  • Speeding ticket: National General ($1,059 per year)
  • At-fault accident: National General ($1,497 per year)
  • DUI: National General ($1,059 per year)

The highest average rate after a speeding ticket, an at-fault accident or a DUI is from Nationwide ($2,425 per year), Kemper ($3,332 per year) and Hartford ($5,666 per year), respectively.

A driving offense on your record can significantly increase your rate. As such, expect the lowest rate to be more expensive than what a driver with a clean record pays.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,059Monthly Premium$88
AAA CaliforniaAnnual Premium$1,371Monthly Premium$114
MercuryAnnual Premium$1,508Monthly Premium$126
Capital Insurance GroupAnnual Premium$1,706Monthly Premium$142
GEICOAnnual Premium$1,760Monthly Premium$147
AllstateAnnual Premium$1,918Monthly Premium$160
State FarmAnnual Premium$1,942Monthly Premium$162
KemperAnnual Premium$2,006Monthly Premium$167

Your car insurance premium may be higher if you have a more severe violation. In Simi Valley, for example, your rate may be around $1,374 more expensive if you have a DUI on your record than if you have a speeding ticket. Fortunately, there are ways to get the cheapest car insurance with a bad driving record.

Cheapest Car Insurance in Simi Valley for Teens and Their Families

For 16-year-old drivers on a family policy, the, on average, most affordable car insurance providers in Simi Valley are:

  • State Farm: $3,032 per year
  • Farmers: $3,085 per year

The most expensive auto insurer is Nationwide, with an average rate of $5,057 per year for a family adding a female or male teen to their policy. Teenagers often have a higher rate because they lack experience on the road, making them riskier to insure than other drivers.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$3,032Individual Plan Monthly Premium$5,931
FarmersFamily Plan Annual Premium$3,085Individual Plan Monthly Premium$6,228
GEICOFamily Plan Annual Premium$3,458Individual Plan Monthly Premium$6,392
Capital Insurance GroupFamily Plan Annual Premium$3,582Individual Plan Monthly Premium$4,456
AllstateFamily Plan Annual Premium$3,611Individual Plan Monthly Premium$7,245
ProgressiveFamily Plan Annual Premium$3,892Individual Plan Monthly Premium$8,010
TravelersFamily Plan Annual Premium$3,906Individual Plan Monthly Premium$5,576
KemperFamily Plan Annual Premium$4,617Individual Plan Monthly Premium$10,398

Adding a teen to a family policy is a smart way to save on insurance since rates are much more expensive for teens that buy a policy themselves. In Simi Valley, the rate for a male teen buying an individual policy is around $673 higher than for a male teen on a family policy. Finding the cheapest car insurance for teenagers can help you save hundreds of dollars per year.

Cheapest Car Insurance in Simi Valley for Military Drivers

In Simi Valley, the average cheapest car insurance companies for military members and their families are:

  • USAA: $914 per year
  • National General: $1,007 per year

The rates above are for a full coverage policy. For minimum coverage, USAA remains the least expensive option at roughly $406 per year, whereas AAA California is the second cheapest at about $473 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$914Monthly Premium$76
National GeneralAnnual Premium$1,007Monthly Premium$84
AAA CaliforniaAnnual Premium$1,061Monthly Premium$88
MercuryAnnual Premium$1,145Monthly Premium$95
GEICOAnnual Premium$1,171Monthly Premium$98
ProgressiveAnnual Premium$1,190Monthly Premium$99
State FarmAnnual Premium$1,303Monthly Premium$109
AllstateAnnual Premium$1,315Monthly Premium$110

How to Compare Cheap Simi Valley Car Insurance Quotes Online

It often takes 15 minutes or more to get a car insurance quote in Simi Valley online from a single company because you need to provide various personal information. Moreover, repeating this process to compare multiple quotes can be tedious and time-consuming.

MoneyGeek’s car insurance calculator can quickly give you a ballpark estimate of how much you may pay for car insurance with different providers based on your age, coverage level, vehicle type and driving record.

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Jun 14, 2024

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Best Car Insurance in Simi Valley: Summary

How much you value cost, service quality, coverages and other factors play a role in finding the best car insurance for you. Consider these companies as the best options in Simi Valley based on needs:

  • Best overall: AAA California (MoneyGeek score of 69 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 77 out of 100)

The winner may change depending on how factors are weighted differently in each category.

The best car insurance company in California is CSAA, different from our top pick in Simi Valley. That indicates your location is an important factor because of varying rate affordability. If you are affiliated with the military, USAA is a solid option, earning a MoneyGeek score of 85 out of 100.

Best Overall Car Insurance in Simi Valley

Simi Valley’s best car insurance companies are:

  • AAA California: MoneyGeek score of 69 out of 100 ($1,061 per year)
  • GEICO: MoneyGeek score of 69 out of 100 ($1,171 per year)

Although they have the same MoneyGeek score, AAA California ranked higher than GEICO for affordability. It also provides good customer service. The combination of the two helped edge it out to the top choice since they are an important combination when selecting the best car insurance to make sure you get your needs met.

If you have a military background, USAA may be your best option for car insurance, with the company receiving a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

AAA California

pros

checkmark

Cheaper than most competitors

checkmark

Good customer service

checkmark

Identity theft coverage included with AAA membership

cons

close

Poor claims management

close

Limited options for add-on coverages

close

Must be a AAA member to get a policy

COMPANY HIGHLIGHTS

With its particular blend of affordability and quality service, AAA California is our pick for the best car insurance company in Simi Valley. To get a policy with AAA California, you must be a AAA member, which gives you identity theft coverage at no charge.

AAA’s identity theft coverage ensures that no one is using your name or identity for fraudulent activities. AAA California’s auto insurance has some of the most common optional coverages, like rental car and/or travel reimbursement and roadside assistance. Rental car and/or travel reimbursement covers rental car or transportation costs if your vehicle isn’t drivable due to a covered loss. Roadside assistance pays for the cost of labor services, such as fuel delivery, battery jump-start and replacement, vehicle lockout service and flat tire delivery.

Best Car Insurance in Simi Valley for Customer Service

Without looking into cost, Simi Valley’s best car insurance providers are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,822 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,491 per year)

Chubb ranked the highest out of 14 insurers for having strong customer satisfaction and claims management scores. That said, expect to pay a high price for its quality service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Excellent customer satisfaction score

checkmark

Ranked first in claims management

checkmark

Rare coverages such as original equipment manufacturer (OEM)

cons

close

Missing some essential coverages

COMPANY HIGHLIGHTS

Chubb doesn’t often receive complaints about its customer service and claims management, meaning customers have a good experience when inquiring or filing a claim. The insurer also provides unique coverages like original equipment manufacturer (OEM).

With OEM coverage on your policy, Chubb ensures original parts are used for vehicle repairs to ensure that its safety systems perform properly after a covered accident. You can also purchase Chubb’s classic car insurance, which provides financial protection to garaged vehicles that are at least 30 years old, limited production models or part of a larger collection.

In terms of basic coverages, rental car reimbursement is available with Chubb. This helps you rent a car similar to the one you own if it’s not drivable due to an accident, with a coverage limit of up to $15,000.

Best Cheap Car Insurance in Simi Valley

For a policy that only meets California’s minimum coverage requirement, the best auto insurers in Simi Valley based on affordability and service quality are:

  • GEICO: MoneyGeek score of 77 out of 100 ($478 per year)
  • AAA California: MoneyGeek score of 74 out of 100 ($473 per year)

A minimum coverage policy may be the cheapest car insurance you can purchase, but it provides the least amount of protection against liability costs and no coverage for damages to your vehicle in case of an accident.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Affordable minimum coverage policy at around $478 per year

checkmark

Provides safe driving, airbag and new vehicle discounts

checkmark

Strong affordability and customer satisfaction scores

cons

close

Below-average claims management

close

No discounts for paperless billing or paying the premium in full

COMPANY HIGHLIGHTS

Based on its affordability and service quality for a policy that only meets California’s minimum coverage requirement, GEICO is the best option in Simi Valley. Its minimum coverage policy costs approximately $478 per year, the second cheapest in the city. Policyholders can take advantage of various discount opportunities to further reduce their premium.

With GEICO, you can get a discount if you bundle policies, insure multiple cars or have vehicle equipment such as airbags, anti-lock brakes, an anti-theft system or daytime running lights. You may also save for driving a new car or always using your seat belt.

Additionally, GEICO offers unique discounts for seniors, active or retired military members, active or retired federal employees, teachers and members of a partner alumni, fraternity/sorority or professional organization.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Simi Valley

The average cost of car insurance in Simi Valley is $1,352 per year, which is around $35 cheaper than the average cost of car insurance in California and roughly $87 more than the national annual average of $1,265 as of October 2022. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Ultimately, how much you pay for auto insurance depends on where you live and other factors.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.