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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does auto insurance cost in Simi Valley?


The typical Simi Valley driver pays $1,887 per year for car insurance. That's more than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to Simi Valley auto insurance includes average rates based on age, driving history, and marital status. Read on to learn more!

Simi Valley Average (per year) California Average United States Average
$1,887 $1,868 $1,548
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Simi Valley auto insurance rates by insurer


The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, Mercury offers Simi Valley's most affordable premiums. We've listed the best cheap car insurance companies in Simi Valley below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Insurance Company Average Yearly Rate
Mercury $1,381
GEICO $1,387
AAA $1,638
Infinity $1,886
Alliance $1,990

Check out our guides to learn how to find the best cheap car insurance and discover which auto insurance companies have the highest ratings.



Simi Valley auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in Simi Valley are drivers in their 60s, who pay an average of $1,688 per year. Drivers in their 50s pay marginally higher rates — $1,696 per year.

The Simi Valley drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Simi Valley is to age out of your teens. The difference in rates paid by teenage drivers and drivers in their 20s in Simi Valley is $4,162, the largest such difference between any two age groups.

Age group Average Annual Rate
Teenagers $6,937
20s $2,776
30s $1,836
40s $1,776
50s $1,696
60s $1,688
70s $1,966

Learn more about the impact of age on car insurance premiums.



Simi Valley car insurance rates by marital status and gender


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Simi Valley pay $79 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Simi Valley, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Simi Valley, female drivers pay $4 per year more than do male drivers.

Marital Status/Gender Average Annual Rate
Female $1,891
Male $1,887
Single $1,808
Married $1,808
Divorced $1,887
Widowed $1,833

Learn more about how gender and marital status have on car insurance rates.



Simi Valley auto insurance costs by citation and accident history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Simi Valley, a reckless driving citation results in an average insurance rate increase of $3,259 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,161 increase and a speeding ticket triggers a $770 rate hike.

Violation/Incident Average Annual Rate
DWI/DUI $5,048
Reckless Driving $5,146
At-fault Accident (damages less than $1,000) $1,895
At-fault Accident (damages greater than $2,000) $3,318
Speeding Ticket (16-20 mph over speed limit) $2,656

Learn more about how citations can raise your auto insurance rates.


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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.