Simi Valley Car Insurance

The Zebra
May 30, 2018

Car Insurance in Simi Valley

Premiums in California, which are 20% greater than the national average, are recognized for being costly. Premiums run high in the city as well, so it is imperative to save while insuring a vehicle in Simi Valley. Why don't we go over some tips on how to save on car insurance in Simi Valley?

  • City Average: $1,687
  • State Average: $1,713
  • National Average: $1,427

Simi Valley Car Insurance by Accident or Violation History

By knowing which driving mishaps can inflate the cost of car insurance premiums, you can make better decisions and save money. Many people treat speed limits with leniency, but getting pulled over for driving 16-20mph over the limit costs you a sizeable $596 more per year on car insurance. In Simi Valley, drivers with either a DUI or reckless driving violation have rates nearly triple the average for the city ($1,687).

  • DUI: $4,819
  • Reckless Driving: $4,819
  • At-fault Accident (damages less than $1000): $2,635
  • At-fault Accident (damages greater than $2000): $2,635
  • Speeding Ticket (16-20 mph over speed limit): $2,283

Simi Valley Car Insurance by Gender and Marital Status

Marital status and gender are among the many driver characteristics that affect car insurance premiums in Simi Valley. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being single, as opposed to married, can cost you around 4% more per year. The amount by which men's and women's car insurance premiums differ is trivial.

  • Female: $1,693
  • Male: $1,687
  • Single: $1,687
  • Married: $1,615
  • Divorced: $1,687
  • Widowed: $1,622

Simi Valley Car Insurance by Age

Car insurance premiums are highest for teenage drivers, with typical rates of $6,277 per year. Among all age groups, drivers in their 60s have the smallest payments, with rates of $1,451. Those in their 50s ($1,490) also have relatively low premiums. The largest drop in premiums for Simi Valley drivers happens when they hit their 20s. Once out of the teenage age range, individuals reduce their premiums by $3,821. The first time drivers can expect their age to trigger a rise in rates is when they turn 70.

  • Teenagers: $6,277
  • 20s: $2,455
  • 30s: $1,657
  • 40s: $1,606
  • 50s: $1,490
  • 60s: $1,451
  • 70s: $1,620

* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto insurance each year.

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