Cheapest Car Insurance Quotes in San Simeon

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San Simeon Car Insurance

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Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in San Simeon

The car insurance rate in San Simeon is $1033 for a six-month policy, which is $212 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $533, making it a popular choice for budget-conscious drivers. Rates in San Simeon can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in San Simeon

$1033

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in San Simeon

1st place: CSAA

At $533 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $853 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $867 for six months, making it the third cheapest auto insurance company in San Simeon.

San Simeon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Simeon, CA is CSAA, offering policies at just $533 for a six-month term. This is followed by Mercury, which has an average six-month premium of $853.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1139 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Simeon drivers find the best deals.

Cheap Car Insurance Companies in San Simeon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$533	$90
Mercury	$853	$144
AAA NorCal	$867	$148
Progressive	$867	$146
Wawanesa	$907	$153
USAA	$922	$155
Auto Club	$946	$161
Allstate	$1055	$178
AAA SoCal	$1114	$189
Kemper	$1179	$197
State Farm	$1262	$212
Travelers	$1410	$235
Farmers	$1415	$241
AAA	$1139	$190

Key Takeaways

Way's key takeaways about car insurance in San Simeon

The auto insurance costs in San Simeon fall around $533 for six months.
The cheapest auto insurance company in San Simeon is CSAA.
Teen drivers pay the highest rate in San Simeon at $500 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in San Simeon

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in San Simeon are given below.

CSAA provides the cheapest minimum car insurance coverage in San Simeon. Their Average 6 Month Premium is $128. Travelers is the most expensive at $542 for the same period.

Cheapest Liability Coverage in San Simeon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$128	$22
AAA NorCal	$212	$36
USAA	$242	$41
Progressive	$286	$48
Auto Club	$291	$48
Wawanesa	$305	$51
AAA	$350	$58
AAA SoCal	$355	$61
Mercury	$355	$60
State Farm	$389	$66
Allstate	$449	$76
Farmers	$483	$82
Travelers	$542	$90

Cheapest Full Coverage Car Insurance in San Simeon

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in San Simeon is CSAA at $90 per month and $533 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Simeon, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$533	$90
Mercury	$853	$144
AAA NorCal	$867	$148
Progressive	$867	$146
Wawanesa	$907	$153
USAA	$922	$155
Auto Club	$946	$161
Allstate	$1055	$178
AAA SoCal	$1114	$189
Kemper	$1179	$197
State Farm	$1262	$212
Travelers	$1410	$235
Farmers	$1415	$241
AAA	$1139	$190

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Average Car Insurance in San Simeon by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in San Simeon, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in San Simeon, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, San Simeon's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in San Simeon

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$498
30s	Wawanesa	$402
40s	Wawanesa	$402
50s	Wawanesa	$402
60s	Wawanesa	$402
70s	Wawanesa	$393

Cheapest Car Insurance Rates for Teen Drivers in San Simeon,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the San Simeon at $59 per month. At $3002 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$345	$59
Capital Insurance Group	$434	$72
USAA	$1129	$190
Wawanesa	$1154	$193
Progressive	$1321	$222
Mercury	$1370	$231
CSAA	$1454	$245
Auto Club	$2135	$356
State Farm	$2179	$367
Allstate	$2534	$427
AAA SoCal	$2682	$456
AAA NorCal	$2717	$452
Travelers	$2820	$480
Farmers	$3002	$500

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in San Simeon.

As young drivers face the highest rates in San Simeon, Wawanesa offers the cheapest auto insurance rates at $498 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in San Simeon.

Car Insurance Rates with An Accident in San Simeon

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In San Simeon, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in San Simeon

The cheapest car insurance companies after an at-fault accident in San Simeon include AAA and Capital Insurance Group, offering $310 and $453, respectively. Allstate is an expensive provider with an average six-month premium of $2864.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$310	$51
Capital Insurance Group	$453	$77
CSAA	$607	$102
USAA	$996	$168
Mercury	$1090	$183
Progressive	$1139	$192
Wawanesa	$1282	$213
Auto Club	$1420	$242
Farmers	$1553	$261
AAA NorCal	$1760	$300
AAA SoCal	$1908	$318
State Farm	$2253	$379
Travelers	$2717	$452
Allstate	$2864	$482

San Simeon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in San Simeon CA. For example, the car insurance in San Simeon after a DUI increases to $1444 for a six month policy. While the rate increases by $380 for a six-month policy in the case of a speeding ticket.

San Simeon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$150
Not-at-fault accident	$902	$154
One comp claim	$902	$150
One Med/PIP claim	$902	$154
Two comp claims	$902	$150
Two Med/PIP claims	$902	$154
At-fault accident - less than $1000	$922	$154
Failure to show documents	$1189	$202
Driving with expired registration	$1213	$203
Driving without lights	$1213	$206
Failure to wear a seat belt	$1218	$203
Child safety restraint	$1228	$208
Speeding 11 - 15 MPH over limit	$1277	$212
Speeding 16 - 20 MPH over limit	$1277	$217
Driving too slowly	$1282	$213
Failure to stop at a red light	$1282	$218
Failure to yield	$1282	$213
Following too closely	$1282	$218
Illegal turn	$1282	$213
In 65 MPH zone	$1282	$218
Speeding 21 - 25 MPH over limit	$1282	$213
Speeding 6 - 10 MPH over limit	$1282	$218
Speeding in school zone	$1282	$213
Improper passing	$1287	$219
Cell phone violation	$1291	$215
Texting while driving	$1291	$220
Passing school bus	$1306	$217
Wrong way/wrong lane	$1528	$260
Operating a vehicle without permission	$1563	$261
At-fault accident - $1000-$2000	$1573	$267
At-fault accident - greater than $2000	$1573	$262
Open container	$1578	$268
Driving with a suspended license	$1829	$305
Reckless driving	$2229	$379
Racing	$2253	$375
Leaving scene of an accident/hit and run	$2263	$385
DUI	$2346	$391
Refusal to submit to a chemical test	$2346	$399

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in San Simeon after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in San Simeon.

The cheapest car insurance premiums in San Simeon are offered by Capital Insurance Group at $676 for a six-month policy. However, it can be as expensive as $621 with companies like AAA.

San Simeon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$676	$113
Mercury	$966	$163
Progressive	$1282	$216
Wawanesa	$1444	$246
Farmers	$1622	$273
CSAA	$1726	$291
USAA	$1780	$300
Travelers	$2021	$340
Auto Club	$2854	$476
AAA NorCal	$3121	$530
AAA SoCal	$3500	$583
State Farm	$4442	$748
Allstate	$4526	$762
AAA	$621	$105

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in San Simeon are offered by CSAA at $79. However, it can be as expensive as $2170 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in San Simeon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$79	$13
Capital Insurance Group	$434	$74
Mercury	$932	$157
USAA	$951	$162
Progressive	$956	$161
AAA NorCal	$1100	$187
AAA SoCal	$1523	$254
Allstate	$1932	$329
Farmers	$2012	$335
State Farm	$2150	$365
Travelers	$2170	$362

Car Insurance Price Trends in San Simeon, California

Car insurance rates in San Simeon have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the San Simeon rose by $176 in January compared to $159 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the San Simeon rose to $51 in January, compared to $46 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in San Simeon?

The car insurance in San Simeon is $22 per month, which is lower than the national average.

What is the cheapest car insurance in San Simeon?

The cheapest car insurance in San Simeon is $90 per month for full coverage.

How much is car insurance in San Simeon for teenagers?

Car insurance for teenagers costs $345 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in San Simeon?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $173 per month to insure your car in San Simeon.

Is car insurance expensive in San Simeon?

Car insurance can be expensive in San Simeon if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in San Simeon can be affordable.

Cheapest Car Insurance Quotes in San Simeon

Why you can trust Way?

How Much Is Car Insurance in San Simeon

Avg. Car Insurance in San Simeon

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in San Simeon

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

San Simeon Car Insurance Rates by Company

Cheap Car Insurance Companies in San Simeon, CA

Way's key takeaways about car insurance in San Simeon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in San Simeon

Cheapest Liability Coverage in San Simeon, CA

Cheapest Full Coverage Car Insurance in San Simeon

Cheapest Full Coverage Car Insurance Quotes in San Simeon, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in San Simeon by Rating Factor

I have a clean driving record. Why is my car insurance rate here in San Simeon, CA increasing?

Car Insurance Premiums by Age in San Simeon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in San Simeon,CA

If you are in your twenties Wawanesa is the best choice for car insurance in San Simeon.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in San Simeon

Cheapest Car Insurance Companies after an At-Fault Accident in San Simeon

San Simeon Car Insurance Rates by Violation

San Simeon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in San Simeon after a DUI

San Simeon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in San Simeon after Speeding ticket

Car Insurance Price Trends in San Simeon, California

Average Car Insurance Cost in San Simeon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near San Simeon, CA

Car Insurance Rates by State in the USA (2025 Update)

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