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Cheapest and Best Car Insurance Companies in Simi Valley, CA


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Updated: Sep 26, 2023
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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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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$451

$38

GEICO

$472

$39

AAA California

$473

$39

GEICO

$478

$40

Mercury

$491

$41

AAA California

$496

$41

Mercury

$504

$42

Progressive

$541

$45

Progressive

$552

$46

GEICO

$564

$47

State Farm

$595

$50

Kemper

$601

$50

AAA California

$604

$50

Nationwide

$604

$50

Mercury

$620

$52

State National

$627

$52

Nationwide

$628

$52

Travelers

$637

$53

Travelers

$637

$53

Hartford

$642

$54

State National

$646

$54

Progressive

$647

$54

National General

$658

$55

National General

$678

$57

State Farm

$680

$57

Farmers

$689

$57

Kemper

$693

$58

Farmers

$708

$59

Capital Insurance Group

$714

$60

Travelers

$728

$61

Allstate

$738

$62

Capital Insurance Group

$739

$62

Hartford

$742

$62

Allstate

$749

$62

State National

$762

$64

Nationwide

$789

$66

Chubb

$791

$66

Farmers

$804

$67

Allstate

$804

$67

National General

$813

$68

Chubb

$815

$68

Capital Insurance Group

$829

$69

Kemper

$917

$76

Hartford

$978

$82

National General

$1,007

$84

State Farm

$1,014

$84

National General

$1,025

$85

AAA California

$1,054

$88

AAA California

$1,061

$88

Mercury

$1,128

$94

Chubb

$1,134

$95

GEICO

$1,136

$95

Mercury

$1,145

$95

GEICO

$1,171

$98

Progressive

$1,190

$99

Progressive

$1,199

$100

National General

$1,226

$102

Allstate

$1,252

$104

Nationwide

$1,299

$108

State Farm

$1,303

$109

Allstate

$1,315

$110

Hartford

$1,326

$110

State National

$1,333

$111

GEICO

$1,357

$113

AAA California

$1,390

$116

Nationwide

$1,402

$117

Capital Insurance Group

$1,411

$118

State National

$1,430

$119

Progressive

$1,439

$120

Allstate

$1,450

$121

Travelers

$1,476

$123

Mercury

$1,482

$124

Capital Insurance Group

$1,491

$124

Kemper

$1,509

$126

State Farm

$1,520

$127

Travelers

$1,528

$127

Hartford

$1,533

$128

Farmers

$1,640

$137

Farmers

$1,672

$139

Capital Insurance Group

$1,678

$140

State National

$1,753

$146

Travelers

$1,795

$150

Nationwide

$1,816

$151

Chubb

$1,822

$152

Kemper

$1,847

$154

Chubb

$1,882

$157

Farmers

$1,977

$165

Hartford

$2,016

$168

Kemper

$2,260

$188

Chubb

$2,684

$224

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.

Company
Annual Premium
Monthly Premium

State Farm

$451

$38

GEICO

$472

$39

AAA California

$473

$39

GEICO

$478

$40

Mercury

$491

$41

AAA California

$496

$41

Mercury

$504

$42

Progressive

$541

$45

Progressive

$552

$46

GEICO

$564

$47

State Farm

$595

$50

Kemper

$601

$50

AAA California

$604

$50

Nationwide

$604

$50

Mercury

$620

$52

State National

$627

$52

Nationwide

$628

$52

Travelers

$637

$53

Travelers

$637

$53

Hartford

$642

$54

State National

$646

$54

Progressive

$647

$54

National General

$658

$55

National General

$678

$57

State Farm

$680

$57

Farmers

$689

$57

Kemper

$693

$58

Farmers

$708

$59

Capital Insurance Group

$714

$60

Travelers

$728

$61

Allstate

$738

$62

Capital Insurance Group

$739

$62

Hartford

$742

$62

Allstate

$749

$62

State National

$762

$64

Nationwide

$789

$66

Chubb

$791

$66

Farmers

$804

$67

Allstate

$804

$67

National General

$813

$68

Chubb

$815

$68

Capital Insurance Group

$829

$69

Kemper

$917

$76

Hartford

$978

$82

National General

$1,007

$84

State Farm

$1,014

$84

National General

$1,025

$85

AAA California

$1,054

$88

AAA California

$1,061

$88

Mercury

$1,128

$94

Chubb

$1,134

$95

GEICO

$1,136

$95

Mercury

$1,145

$95

GEICO

$1,171

$98

Progressive

$1,190

$99

Progressive

$1,199

$100

National General

$1,226

$102

Allstate

$1,252

$104

Nationwide

$1,299

$108

State Farm

$1,303

$109

Allstate

$1,315

$110

Hartford

$1,326

$110

State National

$1,333

$111

GEICO

$1,357

$113

AAA California

$1,390

$116

Nationwide

$1,402

$117

Capital Insurance Group

$1,411

$118

State National

$1,430

$119

Progressive

$1,439

$120

Allstate

$1,450

$121

Travelers

$1,476

$123

Mercury

$1,482

$124

Capital Insurance Group

$1,491

$124

Kemper

$1,509

$126

State Farm

$1,520

$127

Travelers

$1,528

$127

Hartford

$1,533

$128

Farmers

$1,640

$137

Farmers

$1,672

$139

Capital Insurance Group

$1,678

$140

State National

$1,753

$146

Travelers

$1,795

$150

Nationwide

$1,816

$151

Chubb

$1,822

$152

Kemper

$1,847

$154

Chubb

$1,882

$157

Farmers

$1,977

$165

Hartford

$2,016

$168

Kemper

$2,260

$188

Chubb

$2,684

$224

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.

Company
Annual Premium
Monthly Premium

AAA California

$631

$53

Mercury

$633

$53

Mercury

$650

$54

AAA California

$660

$55

State Farm

$684

$57

National General

$696

$58

National General

$696

$58

State Farm

$715

$60

National General

$717

$60

National General

$717

$60

GEICO

$721

$60

GEICO

$729

$61

AAA California

$752

$63

AAA California

$788

$66

Mercury

$791

$66

Capital Insurance Group

$791

$66

Kemper

$800

$67

Mercury

$801

$67

AAA California

$806

$67

Mercury

$813

$68

Capital Insurance Group

$822

$69

Capital Insurance Group

$827

$69

GEICO

$844

$70

GEICO

$852

$71

Capital Insurance Group

$858

$72

National General

$859

$72

National General

$859

$72

GEICO

$862

$72

Mercury

$882

$74

State National

$890

$74

State National

$890

$74

State Farm

$905

$75

Mercury

$905

$75

State National

$916

$76

State National

$916

$76

Capital Insurance Group

$922

$77

Kemper

$923

$77

Hartford

$933

$78

Hartford

$933

$78

Nationwide

$936

$78

Farmers

$941

$78

Farmers

$941

$78

State Farm

$944

$79

AAA California

$964

$80

Farmers

$966

$80

Farmers

$966

$80

Capital Insurance Group

$966

$81

Nationwide

$972

$81

Progressive

$980

$82

National General

$990

$83

Travelers

$992

$83

Travelers

$993

$83

Mercury

$1,002

$84

Progressive

$1,003

$84

GEICO

$1,008

$84

Chubb

$1,019

$85

National General

$1,021

$85

State Farm

$1,033

$86

Allstate

$1,040

$87

Nationwide

$1,043

$87

Chubb

$1,043

$87

Allstate

$1,056

$88

National General

$1,059

$88

National General

$1,059

$88

National General

$1,077

$90

National General

$1,077

$90

State Farm

$1,079

$90

Nationwide

$1,084

$90

Progressive

$1,085

$90

State National

$1,086

$90

State National

$1,086

$90

Hartford

$1,092

$91

Hartford

$1,092

$91

Farmers

$1,098

$91

Farmers

$1,098

$91

Travelers

$1,112

$93

Progressive

$1,112

$93

Travelers

$1,114

$93

Mercury

$1,118

$93

Allstate

$1,140

$95

Travelers

$1,143

$95

GEICO

$1,158

$97

GEICO

$1,172

$98

Farmers

$1,175

$98

Progressive

$1,186

$99

Progressive

$1,194

$99

Allstate

$1,202

$100

Farmers

$1,208

$101

Allstate

$1,221

$102

Kemper

$1,223

$102

National General

$1,227

$102

Progressive

$1,227

$102

Nationwide

$1,228

$102

Chubb

$1,238

$103

Capital Insurance Group

$1,244

$104

Chubb

$1,262

$105

Travelers

$1,281

$107

National General

$1,289

$107

National General

$1,289

$107

Capital Insurance Group

$1,291

$108

Progressive

$1,315

$110

Allstate

$1,320

$110

Travelers

$1,340

$112

Travelers

$1,341

$112

Chubb

$1,362

$113

AAA California

$1,363

$114

Kemper

$1,364

$114

Kemper

$1,364

$114

Nationwide

$1,370

$114

AAA California

$1,371

$114

Farmers

$1,372

$114

GEICO

$1,386

$116

State Farm

$1,410

$117

Progressive

$1,452

$121

Capital Insurance Group

$1,452

$121

Hartford

$1,472

$123

Hartford

$1,472

$123

Mercury

$1,483

$124

National General

$1,497

$125

State Farm

$1,507

$126

Mercury

$1,508

$126

National General

$1,524

$127

Travelers

$1,552

$129

State Farm

$1,580

$132

Chubb

$1,582

$132

Chubb

$1,604

$134

AAA California

$1,610

$134

State National

$1,610

$134

Capital Insurance Group

$1,611

$134

AAA California

$1,612

$134

AAA California

$1,628

$136

Chubb

$1,628

$136

Capital Insurance Group

$1,654

$138

Nationwide

$1,657

$138

Kemper

$1,658

$138

Kemper

$1,658

$138

State National

$1,661

$138

Capital Insurance Group

$1,706

$142

AAA California

$1,708

$142

GEICO

$1,709

$142

Nationwide

$1,723

$144

Capital Insurance Group

$1,749

$146

GEICO

$1,760

$147

AAA California

$1,801

$150

Allstate

$1,823

$152

National General

$1,828

$152

Mercury

$1,854

$155

State Farm

$1,863

$155

Mercury

$1,886

$157

State National

$1,896

$158

State National

$1,896

$158

Allstate

$1,918

$160

GEICO

$1,921

$160

Capital Insurance Group

$1,925

$160

State Farm

$1,942

$162

Chubb

$1,948

$162

Mercury

$1,960

$163

Capital Insurance Group

$1,973

$164

GEICO

$1,976

$165

State National

$1,978

$165

Hartford

$1,982

$165

Hartford

$1,982

$165

Mercury

$1,997

$166

Kemper

$2,006

$167

Nationwide

$2,012

$168

Mercury

$2,024

$169

State Farm

$2,032

$169

State National

$2,034

$169

State National

$2,034

$169

GEICO

$2,041

$170

Kemper

$2,092

$174

Kemper

$2,092

$174

AAA California

$2,096

$175

AAA California

$2,118

$177

Allstate

$2,124

$177

State Farm

$2,127

$177

Nationwide

$2,174

$181

Allstate

$2,176

$181

Nationwide

$2,185

$182

Allstate

$2,214

$185

Nationwide

$2,241

$187

Allstate

$2,245

$187

Progressive

$2,252

$188

State Farm

$2,262

$188

Farmers

$2,265

$189

Farmers

$2,265

$189

Hartford

$2,266

$189

Travelers

$2,271

$189

Progressive

$2,272

$189

GEICO

$2,293

$191

Hartford

$2,306

$192

Hartford

$2,306

$192

Farmers

$2,310

$193

Farmers

$2,310

$193

Travelers

$2,341

$195

State Farm

$2,369

$197

Allstate

$2,371

$198

Chubb

$2,391

$199

Allstate

$2,399

$200

Nationwide

$2,425

$202

Chubb

$2,450

$204

Mercury

$2,451

$204

Kemper

$2,457

$205

Progressive

$2,465

$205

Progressive

$2,492

$208

State National

$2,498

$208

State National

$2,498

$208

Capital Insurance Group

$2,521

$210

Travelers

$2,542

$212

Travelers

$2,617

$218

Mercury

$2,629

$219

Allstate

$2,637

$220

Capital Insurance Group

$2,670

$223

Hartford

$2,692

$224

Farmers

$2,732

$228

Farmers

$2,732

$228

Progressive

$2,736

$228

GEICO

$2,739

$228

Travelers

$2,775

$231

Progressive

$2,814

$234

GEICO

$2,820

$235

Nationwide

$2,828

$236

Farmers

$2,831

$236

Progressive

$2,849

$237

Farmers

$2,887

$241

Chubb

$2,938

$245

Chubb

$2,997

$250

Progressive

$3,000

$250

Kemper

$3,008

$251

Capital Insurance Group

$3,013

$251

Hartford

$3,062

$255

Hartford

$3,062

$255

Travelers

$3,101

$258

State Farm

$3,118

$260

Travelers

$3,137

$261

Nationwide

$3,158

$263

Travelers

$3,244

$270

Chubb

$3,253

$271

GEICO

$3,275

$273

AAA California

$3,288

$274

AAA California

$3,289

$274

Kemper

$3,332

$278

Kemper

$3,332

$278

Farmers

$3,414

$285

Progressive

$3,431

$286

State National

$3,530

$294

Nationwide

$3,567

$297

Hartford

$3,725

$310

State National

$3,793

$316

Chubb

$3,801

$317

Chubb

$3,852

$321

Nationwide

$3,862

$322

Travelers

$3,867

$322

Chubb

$3,911

$326

Allstate

$3,986

$332

State Farm

$4,015

$335

Kemper

$4,205

$350

Kemper

$4,205

$350

Allstate

$4,208

$351

AAA California

$4,331

$361

State National

$4,675

$390

State Farm

$4,676

$390

Allstate

$4,677

$390

Chubb

$4,714

$393

Hartford

$4,824

$402

Kemper

$5,007

$417

Kemper

$5,007

$417

Nationwide

$5,047

$421

Hartford

$5,666

$472

Hartford

$7,655

$638

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,528

$2,466

GEICO

$1,564

$2,524

GEICO

$1,567

$2,780

GEICO

$1,584

$2,652

GEICO

$1,602

$2,586

GEICO

$1,611

$2,858

GEICO

$1,633

$3,019

GEICO

$1,654

$2,935

Nationwide

$1,758

$3,645

Nationwide

$1,758

$3,645

GEICO

$1,814

$2,723

Progressive

$1,871

$3,008

Progressive

$1,871

$3,008

GEICO

$1,874

$3,110

Capital Insurance Group

$1,901

$2,434

Capital Insurance Group

$1,901

$2,434

Nationwide

$1,927

$3,996

Nationwide

$1,927

$3,996

Kemper

$1,968

$3,967

Kemper

$1,968

$3,967

Allstate

$1,980

$3,212

Allstate

$1,980

$3,212

Nationwide

$1,989

$4,571

Nationwide

$1,989

$4,571

Progressive

$2,026

$3,256

Progressive

$2,026

$3,256

Nationwide

$2,066

$4,283

Nationwide

$2,066

$4,283

Allstate

$2,073

$3,363

Allstate

$2,073

$3,363

Kemper

$2,079

$4,189

Kemper

$2,079

$4,189

State Farm

$2,093

$3,073

State Farm

$2,093

$3,073

Farmers

$2,112

$3,017

Farmers

$2,112

$3,017

Allstate

$2,126

$3,736

Allstate

$2,126

$3,736

Allstate

$2,147

$3,483

Allstate

$2,147

$3,483

Capital Insurance Group

$2,164

$2,883

Capital Insurance Group

$2,164

$2,883

Progressive

$2,167

$4,024

Progressive

$2,167

$4,024

State Farm

$2,177

$3,197

State Farm

$2,177

$3,197

Travelers

$2,183

$2,998

Travelers

$2,183

$2,998

Kemper

$2,188

$4,925

Kemper

$2,188

$4,925

State Farm

$2,215

$3,468

State Farm

$2,215

$3,468

State Farm

$2,228

$3,270

State Farm

$2,228

$3,270

Capital Insurance Group

$2,252

$2,883

Capital Insurance Group

$2,252

$2,883

Capital Insurance Group

$2,252

$2,883

Capital Insurance Group

$2,252

$2,883

Travelers

$2,260

$3,104

Travelers

$2,260

$3,104

Kemper

$2,261

$4,556

Kemper

$2,261

$4,556

Progressive

$2,270

$3,648

Progressive

$2,270

$3,648

Allstate

$2,279

$3,753

Allstate

$2,279

$3,753

Travelers

$2,306

$3,331

Travelers

$2,306

$3,331

Nationwide

$2,328

$5,010

Nationwide

$2,328

$5,010

GEICO

$2,335

$3,958

Travelers

$2,355

$3,234

Travelers

$2,355

$3,234

Farmers

$2,365

$3,500

Farmers

$2,365

$3,500

State Farm

$2,373

$3,535

State Farm

$2,373

$3,535

GEICO

$2,427

$4,566

Farmers

$2,450

$3,500

Farmers

$2,450

$3,500

Farmers

$2,450

$3,500

Farmers

$2,450

$3,500

Capital Insurance Group

$2,513

$3,243

Capital Insurance Group

$2,513

$3,243

State Farm

$2,520

$3,937

State Farm

$2,520

$3,937

Kemper

$2,534

$5,222

Kemper

$2,534

$5,222

State Farm

$2,543

$3,788

State Farm

$2,543

$3,788

GEICO

$2,554

$3,834

Travelers

$2,572

$3,496

Travelers

$2,572

$3,496

Capital Insurance Group

$2,606

$3,243

Capital Insurance Group

$2,606

$3,243

Allstate

$2,613

$4,783

Allstate

$2,613

$4,783

Farmers

$2,646

$4,013

Farmers

$2,646

$4,013

GEICO

$2,655

$4,407

Allstate

$2,656

$4,374

Allstate

$2,656

$4,374

Progressive

$2,688

$4,414

Progressive

$2,688

$4,414

Kemper

$2,745

$5,656

Kemper

$2,745

$5,656

Kemper

$2,769

$6,236

Kemper

$2,769

$6,236

Capital Insurance Group

$2,790

$3,601

Capital Insurance Group

$2,790

$3,601

Travelers

$2,792

$4,034

Travelers

$2,792

$4,034

State Farm

$2,800

$4,992

State Farm

$2,800

$4,992

Travelers

$2,835

$3,853

Travelers

$2,835

$3,853

Farmers

$2,860

$4,621

Farmers

$2,860

$4,621

Nationwide

$2,869

$6,927

Nationwide

$2,869

$6,927

Farmers

$2,886

$4,377

Farmers

$2,886

$4,377

State Farm

$2,969

$5,293

State Farm

$2,969

$5,293

Farmers

$3,011

$5,955

Farmers

$3,011

$5,955

State Farm

$3,032

$5,931

State Farm

$3,032

$5,931

Nationwide

$3,060

$6,586

Nationwide

$3,060

$6,586

Farmers

$3,085

$6,228

Farmers

$3,085

$6,228

Farmers

$3,094

$6,120

Farmers

$3,094

$6,120

GEICO

$3,225

$5,725

Progressive

$3,351

$6,246

Progressive

$3,351

$6,246

GEICO

$3,381

$6,654

GEICO

$3,458

$6,392

Allstate

$3,487

$6,878

Allstate

$3,487

$6,878

GEICO

$3,546

$6,295

Progressive

$3,561

$5,848

Progressive

$3,561

$5,848

Capital Insurance Group

$3,582

$4,456

Capital Insurance Group

$3,582

$4,456

Capital Insurance Group

$3,582

$4,456

Capital Insurance Group

$3,582

$4,456

Capital Insurance Group

$3,582

$4,456

Capital Insurance Group

$3,582

$4,456

Allstate

$3,611

$7,245

Allstate

$3,611

$7,245

GEICO

$3,645

$7,522

Allstate

$3,673

$7,245

Allstate

$3,673

$7,245

Travelers

$3,731

$5,086

Travelers

$3,731

$5,086

GEICO

$3,733

$7,347

Progressive

$3,867

$7,941

Progressive

$3,867

$7,941

Progressive

$3,892

$8,010

Progressive

$3,892

$8,010

Travelers

$3,898

$5,313

Travelers

$3,898

$5,313

Travelers

$3,906

$5,576

Travelers

$3,906

$5,576

Progressive

$3,907

$8,023

Progressive

$3,907

$8,023

Kemper

$4,176

$8,515

Kemper

$4,176

$8,515

Nationwide

$4,358

$9,364

Nationwide

$4,358

$9,364

Kemper

$4,575

$9,328

Kemper

$4,575

$9,328

Kemper

$4,617

$10,398

Kemper

$4,617

$10,398

Nationwide

$4,900

$10,529

Nationwide

$4,900

$10,529

Nationwide

$5,057

$12,708

Nationwide

$5,057

$12,708

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.

Company
Annual Premium
Monthly Premium

USAA

$406

$34

USAA

$407

$34

State Farm

$451

$38

GEICO

$472

$39

AAA California

$473

$39

GEICO

$478

$40

USAA

$491

$41

Mercury

$491

$41

AAA California

$496

$41

Mercury

$504

$42

Progressive

$541

$45

Progressive

$552

$46

GEICO

$564

$47

State Farm

$595

$50

Kemper

$601

$50

AAA California

$604

$50

Nationwide

$604

$50

Mercury

$620

$52

State National

$627

$52

Nationwide

$628

$52

Travelers

$637

$53

Travelers

$637

$53

Hartford

$642

$54

State National

$646

$54

Progressive

$647

$54

National General

$658

$55

National General

$678

$57

State Farm

$680

$57

Farmers

$689

$57

Kemper

$693

$58

Farmers

$708

$59

Capital Insurance Group

$714

$60

Travelers

$728

$61

Allstate

$738

$62

Capital Insurance Group

$739

$62

Hartford

$742

$62

Allstate

$749

$62

State National

$762

$64

Nationwide

$789

$66

Chubb

$791

$66

Farmers

$804

$67

Allstate

$804

$67

National General

$813

$68

Chubb

$815

$68

Capital Insurance Group

$829

$69

USAA

$894

$75

USAA

$914

$76

Kemper

$917

$76

Hartford

$978

$82

National General

$1,007

$84

State Farm

$1,014

$84

National General

$1,025

$85

AAA California

$1,054

$88

AAA California

$1,061

$88

USAA

$1,091

$91

Mercury

$1,128

$94

Chubb

$1,134

$95

GEICO

$1,136

$95

Mercury

$1,145

$95

GEICO

$1,171

$98

Progressive

$1,190

$99

Progressive

$1,199

$100

National General

$1,226

$102

Allstate

$1,252

$104

Nationwide

$1,299

$108

State Farm

$1,303

$109

Allstate

$1,315

$110

Hartford

$1,326

$110

State National

$1,333

$111

GEICO

$1,357

$113

AAA California

$1,390

$116

Nationwide

$1,402

$117

Capital Insurance Group

$1,411

$118

State National

$1,430

$119

Progressive

$1,439

$120

Allstate

$1,450

$121

Travelers

$1,476

$123

Mercury

$1,482

$124

Capital Insurance Group

$1,491

$124

Kemper

$1,509

$126

State Farm

$1,520

$127

Travelers

$1,528

$127

Hartford

$1,533

$128

Farmers

$1,640

$137

Farmers

$1,672

$139

Capital Insurance Group

$1,678

$140

State National

$1,753

$146

Travelers

$1,795

$150

Nationwide

$1,816

$151

Chubb

$1,822

$152

Kemper

$1,847

$154

Chubb

$1,882

$157

Farmers

$1,977

$165

Hartford

$2,016

$168

Kemper

$2,260

$188

Chubb

$2,684

$224

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?

AAA California

pros

Cheaper than most competitors

Good customer service

Identity theft coverage included with AAA membership

cons

Poor claims management

Limited options for add-on coverages

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

Excellent customer satisfaction score

Ranked first in claims management

Rare coverages such as original equipment manufacturer (OEM)

cons

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

Affordable minimum coverage policy at around $478 per year

Provides safe driving, airbag and new vehicle discounts

Strong affordability and customer satisfaction scores

cons

Below-average claims management

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.