Simi Valley Car Insurance

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, credit score, driving history, and marital status. Read on to learn more!


SIMI VALLEY CAR INSURANCE RATES
Simi Valley Average (per year)California AverageUnited 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.


SIMI VALLEY AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
Mercury$1,381
GEICO$1,387
AAA$1,638
Infinity$1,886
Alliance$1,990

Read our guide to finding the best cheap auto insurance.



Simi Valley auto insurance rates by age

The age group that enjoys the lowest auto insurance rates in Simi Valley are drivers in their age_60s, who pay an average of $1,688per year. Drivers in their age_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.


SIMI VALLEY AUTO INSURANCE COSTS BY AGE
Age groupAverage 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.


SIMI VALLEY AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.


SIMI VALLEY CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage 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.



Simi Valley car insurance costs by credit tier


One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In fact, Simi Valley drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Simi Valley, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.


SIMI VALLEY CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$1,887
Fair$1,887
Good$1,887
Very Good$1,887
Exceptional$1,887

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.