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Get Cheap Car Insurance in Simms, CA

We monitor insurance prices, helping the average driver in Simms save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Simms

The chart below shows the cheapest car insurance company in Simms for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
Simms Insurer Monthly Cost
Metromile $47
Geico $53
Progressive $57
Travelers $59

Savings for Every Kind of Simms Driver

The table shows how much the average auto insurance customer in Simms might save by following our recommendations.

Based on our extensive insurance data, we know the average Simms driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $603 per year by choosing the right vehicle insurance company. Some Simms residents are paying out over $1,886 extra every year for auto insurance in Simms. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Simms, CA Savings / Yr.
Drivers with good records
$603
Drivers with accidents
$1,105
Drivers with speeding tickets
$874
Drivers with a DUI conviction
$1,535
Young drivers
$788
Married drivers
$342
Drivers with bad credit
$0

Simms Car Insurance vs. California

People living in Simms pay an average of 6.07% less than the typical driver in the state. The average driver in Simms can expect to pay about $883 per year, or $1,886 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Simms for most people.

Car Insurance Prices by Simms Neighborhood

Simms, CA map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Simms?

The map shows insurance prices in and around Simms, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $55 per year within the city boundaries, with insurance premiums ranging from a high of $1,901 to a low of $1,846. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Simms.

Pick the Best Car Insurance Company for You in Simms

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Simms insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Simms

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $603 over the average Simms car insurance company.

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We use the average good driver, paying $107 per month, as our baseline for pricing in Simms. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Simms drivers with accidents on their records

In Simms getting into an accident will raise premiums an average 44% for a yearly cost of $3,392. That's $1,506 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,105 over the competition.

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The best car insurance company for Simms drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $874 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Simms, tickets raise premiums on new quotes about $957. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $2,843 per year.

The best auto insurance for Simms drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $4,776 per year in auto insurance premiums, which was $2,890 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,535 less each year.

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The least expensive car insurance company for new and young drivers in Simms

In Simms, State Farm costs young drivers $788 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Simms. With an average cost of $5,005 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Simms

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $187. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Simms.

Progressive gave the largest car insurance discounts to married couples, averaging $342 saved each year compared to an average Simms couple's premiums.

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The cheapest car insurance in Simms for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Simms car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Simms, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Simms.

Nationwide was the best company for customer service in Simms according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Simms, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Simms. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Simms

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 51% of Simms residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Simms driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Simms, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Simms

What Influences the Cost of Car Insurance in Simms?

On average, car insurance in Simms is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Simms is 41 minutes, which is a little more than average for a driver in the state.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Simms are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Simms is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Simms is $74 per month for minimum coverage and $157 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Simms driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Simms with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.