What is the cheapest car insurance in Fillmore, CA?

The cheapest car insurance in Fillmore starts around $49/month for minimum-coverage policies from non-standard carriers like Bristol West, Dairyland, The General, National General, and Progressive. Rates vary by ZIP code, driving record, and vehicle. Compare 30+ California carriers in one panel to find your lowest comparable rate.

What is California's minimum auto insurance requirement in Fillmore?

California Insurance Code Section 11580.1b requires drivers in Fillmore to carry minimum liability coverage of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage (30/60/15). These are the lowest legal limits; many carriers recommend higher limits for actual asset protection.

How quickly can I get a car insurance quote in Fillmore?

Quotes for Fillmore drivers typically take about 2 minutes when you provide your ZIP, vehicle, and driving history. Real California carriers respond with bindable rates the same session — no commitment required, no soft credit hit.

Cheap Car Insurance in Fillmore, CA

Cheap Car Insurance in Fillmore, California

Drop your Fillmore ZIP into the Cheap Auto Insurance CA panel. We compare 30+ California carriers — Progressive, National General, Bristol West, Dairyland, The General — at the same coverage level. Cheapest comparable monthly rate lands first. Two minutes. No commitment, no credit hit.

We check Progressive, National General, Bristol West, Dairyland, The General, and more.

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Reviewed by Pedro Mendoza, Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years California insurance content

Reviewed by

Pedro Mendoza

Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years reviewing California auto-insurance shopping and quote-comparison workflows

Pedro Mendoza is founder and editorial lead of Cheap Auto Insurance CA. He reviews California quote-comparison pages for matched-input methodology: garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and start date. His editorial checks separate sample benchmarks from partner-verified bindable quotes.

Editorial method: this page is reviewed against matched California quote inputs, including garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and requested start date. Published dollar figures are labeled as samples or benchmarks unless a partner returns a bindable quote.

Quotes facilitated by licensed California insurance partners. We do not bind policies directly. This byline identifies the editorial owner for the page. Partner brokers verify coverage, eligibility, final carrier premium, and binding details after a shopper chooses a quote.

California auto insurance
Auto insurance comparison platforms
Editorial review of insurance quote comparisons
Matched-input quote methodology
Non-standard auto carriers
SR-22 filings
Sample-rate disclosure
Insurance technology

Read Pedro's full editor profile →

Fillmore auto insurance data dashboard

Hard numbers that shape Fillmore car-insurance rates as of 2026. Each tile cites its source — hover for the full data trail.

Population (2020): 16,419; Wikipedia / U.S. Census · 2020
Median Household Income: $90,343; Wikipedia / ACS 2023 · 2023
Median Age: 34.6 years; Wikipedia / Census 2020 · 2020
ZIP Codes: 93015, 93016; USPS · 2024
Area Code: 805; NANPA · 2024
Primary Highway: SR-126 (Santa Clara Valley); Caltrans · 2024

How Fillmore rates are calculated: worked examples

Each example walks through a real driver profile → base rate → surcharges → discount stack → final comparable premium, showing where every dollar comes from. Sample profiles are illustrative; your inputs will produce your own ranked result.

Example 1

Driver profile: Fillmore, ZIP 93015, age 36, clean record, 2020 Honda Pilot financed, SR-126 commuter to Ventura 22 mi each way, 16,000 mi/yr, $50K/$100K/$50K + full coverage
Territory base rate: $186/mo (prior carrier renewal)
Surcharges: None — clean 3-year record
Discount stack: Good-driver 20%, multi-car 8% (2nd vehicle), paid-in-full 8%, paperless 5%
Final comparable premium: $126/mo after discount stack — saves ~$720/yr
vs. CA average: Same Honda Pilot, same financed lender requirements, same $50K/$100K limits, same collision deductible retained

Example 2

Driver profile: Fillmore, ZIP 93015, age 28, 1-point violation (running stop), 2018 Chevy Silverado paid off, local agricultural use, 8,000 mi/yr, $50K/$100K/$50K + UM/UIM, no collision
Territory base rate: $148/mo (surcharge for violation)
Surcharges: +22% one-point surcharge under §1861.025 lookback
Discount stack: Multi-car 8%, paperless 5%; good-driver disqualified by violation
Final comparable premium: $119/mo at Bristol West — carrier switch saves $29/mo vs prior
vs. CA average: Violation drops off 36 months from conviction date; re-check good-driver eligibility at that point

Carrier rate comparison: Fillmore

Rates shown as "See panel" because the actual comparable quote depends on your driver record, vehicle, and coverage selection. This table compares carrier positioning, discounts, and quality signals — not a made-up city average.

Carrier	Est. monthly	Top discount	Best-fit driver	CDI complaint	AM Best
Progressive	$118–$158/mo	Snapshot telematics + multi-policy	Clean record, SR-126 commuter, continuous coverage	—	—
National General	$128–$168/mo	Multi-vehicle + loyalty renewal	Multi-car Ventura County households	—	—
Bristol West	$142–$185/mo	Paid-in-full + renewal credit	Drivers rebuilding after lapse or minor violation	—	—
Dairyland	$178–$235/mo	SR-22 certified, immediate bind	DUI profiles, proof-filing needs, non-standard	—	—
The General	$205–$258/mo	Same-day bind, no prior required	No prior insurance, quick-bind non-standard in ZIP 93015	—	—

Rates as of 2026, sample driver profile (34yo, clean record, 2019 Civic, liability only, Fillmore area). Your quote will vary. CDI complaint ratios: California DOI 2024. AM Best: current public ratings.

Carrier rate ledger: Fillmore

For Fillmore, read the carrier ledger as a carrier-order check. Start with ZIP 93015 or 93016 — whichever is the actual overnight garaging ZIP. Keep drivers, vehicles, limits, deductibles, proof timing, and payment plan steady, then compare the full California panel.

Carrier	Recent client rate	Deal badge
Panel low	$49/mo (one client)	Past client rate
National General	Varies by driver	High-risk friendly
Bristol West	Varies by driver	Fast bind
Dairyland	Varies by driver	SR-22 ready
The General	Varies by driver	Flexible payments

Five-carrier breakdown: Fillmore

Each carrier files its own rate model with the California DOI. Positioning, discounts, and fit notes are based on CDI complaint data and public rate filings — not marketing copy.

Progressive

Largest non-standard and standard carrier in California. Uses Snapshot telematics program for mileage and driving-behavior discounts.

Best fit: Clean-to-moderate record drivers; good fit for multi-car households and drivers who do fewer than 10,000 miles/year.
Top discounts: Snapshot telematics · Multi-car · Paid-in-full · Online quote
CDI complaint note: Below state median complaint ratio (CDI 2024 consumer complaint study).
Est. monthly: See panel for your profile

National General

Specialty carrier covering non-standard and SR-22 profiles that standard carriers may decline. Now part of Allstate group.

Best fit: Drivers needing SR-22, recent lapse, or DUI history. Also competitive for clean drivers in high-density ZIP codes.
Top discounts: Paperless · Paid-in-full · Multi-policy
CDI complaint note: Moderate complaint ratio relative to market share (CDI 2024).
Est. monthly: See panel for your profile

Bristol West

Non-standard carrier specializing in drivers with blemished records. Subsidiary of Nationwide.

Best fit: Drivers with prior accidents, tickets, or coverage gaps who have been declined elsewhere.
Top discounts: Continuous coverage · Paid-in-full
CDI complaint note: Complaint volume proportional to non-standard market segment (CDI 2024).
Est. monthly: See panel for your profile

Dairyland

Specialty carrier for high-risk and motorcycle profiles. Part of Sentry Insurance Group.

Best fit: SR-22 filers, drivers with multiple violations, and motorcycle owners seeking bundled coverage.
Top discounts: SR-22 filing inclusion · Multi-vehicle
CDI complaint note: Specialty-market complaint ratio; higher than standard carriers by design (CDI 2024).
Est. monthly: See panel for your profile

The General

Direct-to-consumer non-standard insurer with instant-issue capability. Known for flexible down payments.

Best fit: Drivers who have been declined by standard carriers and need immediate proof of insurance.
Top discounts: Flexible payment plans · Quick-bind discount
CDI complaint note: Above median complaint ratio; expected for high-risk binding speed (CDI 2024).
Est. monthly: See panel for your profile

CDI data: California Department of Insurance 2024 Consumer Complaint Study. AM Best ratings current as of 2025. Rate estimates illustrative — run the panel for your exact profile.

Coverage worked through: what actually happens in Fillmore

Three scenarios showing how coverage selection changes the claim outcome. Dollar amounts are illustrative based on California average claim severity data (III 2024).

Scenario 1

Setup: Fillmore driver, age 36, ZIP 93015, 2020 Honda Pilot financed, SR-126 commuter. Rear-ended on SR-126 near Fillmore by uninsured driver. Pilot damage: $12,400. Medical: $5,200.
Coverage that applies: UMBI covers medical; UMPD covers vehicle up to limit; collision pays gap less deductible. Honda Financial requires collision on financed Pilot.
Payout walk-through: UMBI ($50K limit) pays $5,200 medical fully. UMPD ($3,500) pays $3,500 toward $12,400 vehicle damage. Collision pays $8,900 less $1,000 deductible. Net out-of-pocket: $1,000 deductible only.
With minimum-only liability: Without UMBI/UMPD: driver chases uninsured motorist in Ventura County court. Without collision: Honda Financial may force-place coverage and back-charge the premium. Total out-of-pocket exposure: $17,600+.

Why a Fillmore ZIP changes your car-insurance rate

A Fillmore ZIP changes a car-insurance quote because California carriers file territory factors, driver-class factors, discount rules, and coverage-level pricing with the state. ZIP 93015 is the Fillmore anchor, but the bindable quote needs the exact overnight garaging ZIP, driver record, annual miles, years licensed, vehicle, prior insurance, household drivers, and selected coverage. Cheap Auto Insurance CA treats Fillmore as a Tier B Southern California market — 16,419 residents, Ventura County, SR-126/SR-23 commuter corridor, median income $90,343, and median age 34.6.

ZIP-band rating: ZIP 93015 anchors the Fillmore file. A vehicle garaged outside the reference ZIP (93016 or elsewhere in Ventura County) should use the actual overnight garaging ZIP before binding.
SR-126 commuter context: Fillmore drivers commuting on SR-126 to Ventura or SR-23 to Moorpark typically accumulate higher annual mileage than local-use drivers. Accurate mileage input changes carrier-model exposure and can shift the carrier order.
County compliance context: Ventura County drivers carry California-compliant proof of financial responsibility. Liability-policy terms at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=11580.1&lawCode=INS, proof duties at https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=16020&lawCode=VEH, DMV requirements at https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/. A lapse, citation, or SR-22 need shifts carrier appetite before discounts apply.
Agricultural and filming context: Vehicle use for agricultural operations or on-road filming-support transport should be disclosed. Commercial or specialty use can change carrier classification and affect claim handling. IIHS vehicle ratings at https://www.iihs.org/ratings provide physical-damage context.

For Fillmore drivers, a clean comparison holds same drivers, same vehicles, same ZIP, same limits, same deductibles, same filing need, and same effective date. The area DMV handles Ventura County compliance — not pricing. A paid-off older vehicle may make liability-first coverage worth testing. A financed vehicle keeps physical-damage coverage in the quote. Ventura County, Southern California, ZIP 93015, area code 805, SR-126/SR-23 corridor, and official California sources frame the local job.

Coverage receipt: Fillmore baseline

Use the receipt block to keep Fillmore coverage choices visible before price takes over. California liability-policy terms documented through https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=11580.1&lawCode=INS; proof-of-insurance handling at https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/. SR-126 commuters carrying financed vehicles should verify collision, other-than-collision, and uninsured motorist elections before calling one quote cheaper.

BI per person$15,000 CA min to $100,000 typical
BI per accident$30,000 CA min to $300,000 typical
Property damage$5,000 CA min to $100,000 typical
Collision deductibleOptional $500 / $1,000 / $2,000
Other-than-collision deductibleOptional $500 / $1,000 / $2,000
Uninsured motorist BIOptional, usually matches BI limits
Roadside / rentalOptional add-ons by carrier
SR-22 filingOptional $25 one-time filing context

TOTAL SAVINGS: $500/year on car insurance

Compare My Rate

One Fillmore ZIP, 30 plus carriers, two minutes

Use Fillmore, Ventura County, ZIP 93015/93016, area code 805, SR-126/SR-23 corridor context, and the area DMV for the local frame. Then let the quote form handle the private rating inputs. We compare 30+ California carriers, keep the coverage level aligned, and show the cheaper comparable result first. Before binding, confirm the driver list, garaging ZIP, deductibles, effective date, proof timing, and payment schedule. No commitment, no credit hit. Or call +14158959913.

Deal alerts: Fillmore shoppers

Fillmore shoppers usually need five answers before the ZIP goes into the form: how quickly the panel runs, how SR-126 commuter mileage affects the file, which carriers are checked, how a tougher record is handled, and which local details must be exact.

Deal #1How does SR-126 commuting affect a Fillmore car insurance quote?
Annual mileage is a primary California rating factor under §1861. 02. Fillmore drivers commuting on SR-126 to Ventura cover roughly 22 miles each way. At 250 round trips per year, that's ~11,000 commute miles before any local driving — pushing total annual mileage toward 14,000–18,000 range for full-time commuters.
Annual mileage is a primary California rating factor under §1861.02. Fillmore drivers commuting on SR-126 to Ventura cover roughly 22 miles each way. At 250 round trips per year, that's ~11,000 commute miles before any local driving — pushing total annual mileage toward 14,000–18,000 range for full-time commuters. Higher annual mileage increases carrier-model exposure and can shift the carrier order before discounts apply. Enter the accurate annual mileage estimate — not the lowest number that seems acceptable.
Deal #2How fast can a Fillmore driver get a cheap car insurance quote?
A Fillmore driver can usually start the comparison in about 2 minutes when inputs are ready: ZIP 93015 or 93016 (whichever is the actual garaging ZIP), vehicle details, driver list, current coverage, record, desired limits, and target effective date. Fillmore has 16,419 residents in Ventura County, median income $90,343, median age 34. 6, area code 805.
A Fillmore driver can usually start the comparison in about 2 minutes when inputs are ready: ZIP 93015 or 93016 (whichever is the actual garaging ZIP), vehicle details, driver list, current coverage, record, desired limits, and target effective date. Fillmore has 16,419 residents in Ventura County, median income $90,343, median age 34.6, area code 805. Cheap Auto Insurance CA checks 30+ California carriers and ranks the cheapest comparable monthly result first without a credit hit.
Deal #3Which carriers does Cheap Auto Insurance CA shop for Fillmore ZIP codes?
Cheap Auto Insurance CA shops Fillmore ZIPs 93015–93016 and the actual garaging ZIP through a 30+ California carrier panel including Progressive, National General, Bristol West, Dairyland, and The General. Each carrier reads the same Ventura County location, area code 805 contact context, driver record, vehicle, annual mileage, and coverage inputs through its own filed model.
Cheap Auto Insurance CA shops Fillmore ZIPs 93015–93016 and the actual garaging ZIP through a 30+ California carrier panel including Progressive, National General, Bristol West, Dairyland, and The General. Each carrier reads the same Ventura County location, area code 805 contact context, driver record, vehicle, annual mileage, and coverage inputs through its own filed model.
Deal #4Can a Fillmore driver with a DUI or SR-22 still compare cheap rates?
Yes. A Fillmore driver with a DUI, lapse, point issue, or SR-22 need can still compare carriers, but the rate usually changes because carrier appetite changes. Proof or filing steps run through California DMV systems. Premium still depends on the real garaging ZIP within 93015–93016, Ventura County, driver record, vehicle, and selected coverage level.
Yes. A Fillmore driver with a DUI, lapse, point issue, or SR-22 need can still compare carriers, but the rate usually changes because carrier appetite changes. Proof or filing steps run through California DMV systems. Premium still depends on the real garaging ZIP within 93015–93016, Ventura County, driver record, vehicle, and selected coverage level.
Deal #5What local details should Fillmore shoppers check before choosing coverage?
Fillmore shoppers should check the exact garaging ZIP (93015 or 93016), Ventura County address, area code 805, vehicle ownership, lender requirements, driver list, current declarations page, deductible comfort, annual mileage estimate (SR-126 commuters accumulate miles quickly), and any work-use issue. Public research: population 16,419, Southern California Tier B, median income $90,343, median age 34. 6, 76.
Fillmore shoppers should check the exact garaging ZIP (93015 or 93016), Ventura County address, area code 805, vehicle ownership, lender requirements, driver list, current declarations page, deductible comfort, annual mileage estimate (SR-126 commuters accumulate miles quickly), and any work-use issue. Public research: population 16,419, Southern California Tier B, median income $90,343, median age 34.6, 76.7% Hispanic/Latino, incorporated 1914. Northridge earthquake damage history means some older Fillmore structures may have deferred maintenance affecting garaging conditions.