Cheapest and Best Car Insurance Companies in Simi Valley, CA
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By, Content Director
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.
Cheapest and Best Car Insurance in Simi Valley, CA
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.
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.
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.
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.
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.
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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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?
Cheaper than most competitors
Good customer service
Identity theft coverage included with AAA membership
Poor claims management
Limited options for add-on coverages
Must be a AAA member to get a policy
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?
Excellent customer satisfaction score
Ranked first in claims management
Rare coverages such as original equipment manufacturer (OEM)
Missing some essential coverages
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?
Affordable minimum coverage policy at around $478 per year
Provides safe driving, airbag and new vehicle discounts
Strong affordability and customer satisfaction scores
Below-average claims management
No discounts for paperless billing or paying the premium in full
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.
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