bestauto insuranceSimi ValleyCompare the Cheapest Car Insurance Quotes in Simi Valley, CA
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In Simi Valley, Esurance has the cheapest rates for full coverage and for drivers with a speeding ticket with an annual cost of $1,124 and $1,427, respectively. AAA is the cheapest for state minimum with an annual cost of $542. MoneyGeek found Auto Club of Southern California Insurance Group as the best for balancing affordability and customer service.
bestauto insuranceSimi ValleyThe Cheapest and Best Car Insurance in Simi Valley
Cheapest Overall - Esurance
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - Esurance
Best Overall - Auto Club of Southern California Insurance Group
The Cheapest Car Insurance Companies in Simi Valley
For a full coverage policy, the cheapest companies on average in Simi Valley are:
- Esurance: $1,124 per year
- AAA: $1,170 per year
USAA is the second cheapest in the state at $1,150 per year. However, it was taken out from the rankings as it is only available to military members and their families.
The least expensive provider’s rates are 49.7% lower than the costliest carrier, Allied, with average premiums of $1,683 annually. A full coverage policy includes liability insurance as well as comprehensive and collision insurance so that all parties in an accident are covered.
Cheapest Car Insurance in Simi Valley
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,124
- 2.$1,150
- 3.$1,170
- 4.$1,238
- 5.$1,244
As stated in our methodology, rates are for a 40-year-old male driver with a full coverage policy.
A full coverage policy is much more expensive than a state minimum as it combines basic liability insurance with collision and comprehensive insurance. These coverages specifically pay for different types of damages:
- Collision Insurance: Pays for damages related to collision with other vehicles or stationary objects like a tree, city property, etc.
- Comprehensive Insurance: Pays for damages outside collisions such as theft, vandalism, hail, natural disasters, etc.
Before you choose between a full coverage and a state minimum, you should assess whether your premiums are worth paying to repair your car. If you have an old car, you may end up paying more for a full coverage than your car’s value. In this case, you should get a state minimum coverage instead.
Compare Car Insurance Rates in Simi Valley
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Cheapest Car Insurance in Simi Valley for Minimum Coverage
Drivers looking for affordable insurance may take a look at state minimum policies. In Simi Valley, the following companies with the cheapest policies are the following.
- AAA: $542 per year
- Esurance: $650 per year
USAA is much more affordable with an annual cost of $487 on average. However, it is not widely available and limited only to military members. Farmers, the most expensive option in Simi Valley, costs $888 per year—which is $346 more than the cheapest provider, AAA.
Though the most affordable, a state minimum policy does not have a collision and comprehensive insurance and has low levels of liability coverage. If you think that a state minimum is currently the best match for your needs, adjusting your liability coverage might be a good idea to get better protection. Toggle on the table to see how much it costs to up your liability coverage.
Cheapest Minimum Liability Car Insurance in Simi Valley
State Minimum
- CompanyState Minimumper year
- 1.$487
- 2.$542
- 3.$550
- 4.$584
- 5.$589
Getting a state minimum policy can help you with your monthly costs but it carries some risk. Aside from paying only the damages for the other driver, the coverage limit may not be enough in case of serious accidents. Consider an example where you’ve been in a wreck and caused bodily injuries amounting to $20,000. Since California state liability limits only cover up to $15,000, you will have to pay the excess $5,000 out-of-pocket, apart from your own medical bills.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Simi Valley if You Have Driving Violations
Rates are usually higher for drivers with a driving violation as they are riskier to insure. The cheapest policies in Simi Valley are from the following companies:
- Cheapest after a ticket: Esurance, $1,427 per year
- Cheapest after an at-fault accident: Esurance, $1,775 per year
- Cheapest after a DUI: Mercury, $2,187 per year
USAA has a much cheaper rate for drivers with speeding tickets at $1,258 per year. If you have military affiliations, consider taking advantage of this cheap policy. It takes a minimum of one year to render driving violations obsolete on your record. You can save on premiums by practicing good driving habits, but in the meantime, finding the cheapest rates after a violation is the best solution.
Cheapest Car Insurance in Simi Valley With a Violation
Speeding Ticket
Average Cost of Car Insurance in Simi Valley
Simi Valley$1,417
California$1,429
U.S.$1,424
Average car insurance rates in Simi Valley are $1,417, which is 0.5% less than the national average and 0.8% lower than the state average. You should shop for car insurance by comparing quotes from several companies to find the best rates.
Personalized Quotes to Get You the Cheapest Car Insurance in Simi Valley
MoneyGeek advises drivers to get customized quotes because factors such as age, driving history, gender, car make and model and more influence car insurance prices. Drivers should also get quotes regularly to check if they qualify for discounts, rebates and other savings. To find the best coverage and rates, you should ideally compare car insurance quotes from multiple companies.
Compare Car Insurance Rates in Simi Valley
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Simi Valley
MoneyGeek found the best car insurance companies in Simi Valley by analyzing average rates, claims ratings and user satisfaction scores. Based on these factors, the best auto insurance providers in Simi Valley are:
- AAA: MoneyGeek score of 94 out of 100
- Esurance: MoneyGeek score of 88 out of 100
Because USAA only caters to military members and their families, MoneyGeek excluded it from this analysis. However, USAA earned a MoneyGeek score of 95 out of 100, making it the best car insurance company in Anchorage for military families.
1
AAA
Score:94
In Simi Valley, AAA scores highly for claims, affordability and satisfaction. Approximately $1,170 is the annual premium for full coverage. You can add identity theft coverage to your policy.
More About AAA
It is possible to get identity theft coverage in Simi Valley through AAA, which covers some of the cost related to identity theft. With this coverage, victims are reimbursed for expenses related to regaining their financial identity and credit report.
AAA also offers a wide range of insurance coverage. A roadside assistance plan covers fuel delivery, flat tires, battery jump-starting and replacement and vehicle lockout services. Car rental reimbursement coverage can help you pay for a rental car if your car isn't drivable or needs repair after you've been in an accident. In addition to your policy limit, you are covered for the cost of renting a car or using public transportation.
Read MoneyGeek's AAA auto Insurance Review2
Esurance
Score:88
Besides receiving excellent ratings for financial stability and user satisfaction, Esurance offers custom parts coverage. Simi Valley drivers in their 40s typically pay $1,124 per year for full coverage Esurance insurance.
More About Esurance
Throughout the country, Esurance provides affordable insurance policies. They offer a rare coverage in Simi Valley, the custom parts coverage, which covers aftermarket parts and upgrades. If your upgrades are damaged, you are covered if custom parts and equipment are included in your policy. All non-factory installed items are covered.
A gap insurance policy is also available from this insurer. To help you pay off your car loan or lease, this coverage pays up to 25% more than the car's actual cash value. Additionally, it offers rideshare insurance, called ShareSmart. By having this coverage, you ensure there are no gaps in coverage between your personal policy and your rideshare policy.
Read MoneyGeek's Esurance auto Insurance Review3
MetLife
Score:79
4
GEICO
Score:77
5
Mercury
Score:73
6
Progressive
Score:70
7
State Farm
Score:68
8
Allstate
Score:54
9
Travelers
Score:52
10
Farmers
Score:43
11
Hartford
Score:30
12
Allied
Score:25
Average Cost of Car Insurance by Postal Code
Your ZIP code in Simi Valley has a slight impact on your car insurance cost. This is because factors such as the number of accidents, car thefts, uninsured motorists and others play a role in auto insurance rates.
In Simi Valley, the 93065 neighborhood is likely safer as its residents are charged $39 less per year on average for their car insurance coverage compared to the slightly more expensive 93063 locality.
You can compare car insurance quotes in California to find the best rates.
- Zip CodeState Minimumper year
- 93065$1,397
- 93063$1,436
Factors That Impact Insurance Costs in Simi Valley
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Simi Valley. How Simi Valley ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
sources
- Department of Motor Vehicles. "Auto Insurance Requirements." Accessed November 25, 2021.