Nikki Farag Agency
Call Anytime 310-390-4500
Nikki Farag Agency
Call Anytime 310-390-4500
Driving in Santa Monica means navigating busy streets, unpredictable traffic, and everyday risks — making the right car insurance essential. We offer customizable coverage options designed to protect you, your vehicle, and your peace of mind, whether you’re commuting, running errands, or hitting the road for a weekend getaway.
Farmers Insurance gives you the ability to tailor your auto insurance policy to suit your vehicle, budget, and risk level. With a wide range of coverage options, you can choose the protections that make the most sense for your everyday driving needs. If you’re unsure about which coverages to select or how much insurance is right for you, our team at Nikki Farag Insurance Agency is here to guide you. We’ll explain your options clearly and help you make confident, informed decisions — without the confusion.
Comprehensive coverage helps pay to repair or replace your vehicle if it’s damaged by something other than a collision — like theft, vandalism, fire, or a fallen tree. It’s especially useful for Los Angeles drivers where car break-ins and unpredictable events can happen.
Collision coverage helps cover the cost of repairing or replacing your car if it’s damaged in an accident, regardless of who’s at fault. Whether you hit another car or a stationary object, this coverage can help get you back on the road faster.
Liability coverage is required in California and helps pay for injuries or property damage you cause to others in an at-fault accident. It can also help cover legal fees if you’re sued as a result of the incident.
Uninsured motorist coverage protects you if you’re hit by a driver who doesn’t have insurance or doesn’t have enough to cover your damages. Given the high rate of uninsured drivers in Los Angeles, this coverage is highly recommended.
Roadside assistance can help when you’re stranded due to a flat tire, dead battery, lockout, or mechanical issue. It offers peace of mind whether you’re stuck in a parking garage in Santa Monica or pulled over on the 101.
We know LA isn’t the cheapest place to drive — but we can help you reduce your rates with discounts for:
Safe drivers
Bundling auto with home, renters, or life insurance
Multi-car households
Good students
Professionals
Driving low annual mileage
We Are Your local Farmers Insurance Agent Serving Santa Monica and the surrounding areas.
At Nikki Farag Insurance Agency, we’re proud to help individuals and families in Santa Monica protect what matters most. Whether you’re looking for coverage for your home, vehicle, business, or life, our team is here to guide you with personalized service and trusted expertise. Let us help you find the right policy for your needs — with care, clarity, and confidence.
Nikki Farag
Farmers Insurance Agency Owner
License 4247364
Nestled along the stunning California coastline, Santa Monica is a vibrant beachside city known for its iconic pier, bustling Third Street Promenade, and picturesque ocean views. This dynamic community offers a blend of relaxed coastal living and urban sophistication, attracting visitors with its sandy shores, upscale shopping, and diverse dining options. Renowned for its commitment to sustainability and wellness, Santa Monica boasts an array of parks, bike paths, and wellness centers, making it a haven for outdoor enthusiasts. Whether you're exploring its cultural landmarks or enjoying a sunset over the Pacific, Santa Monica is a quintessential Southern California experience.
We provide homeowners insurance policies in zip codes 90401, 90402, 90403, 90404, 90405.
Car insurance is more than just a legal requirement — it’s a vital safeguard that protects you, your passengers, and your finances in the event of an accident. From fender benders to major collisions, the right coverage can help cover repairs, medical bills, and liability costs so you’re not left paying out of pocket.
In a busy city like Santa Monica, where traffic and unexpected situations are part of daily life, having reliable car insurance gives you peace of mind every time you hit the road. It’s about staying prepared, protected, and confident behind the wheel.
At Nikki Farag Insurance Agency, our clients are at the heart of everything we do. From personalized guidance to reliable coverage, we’re proud to earn the trust of families and business owners across Greater Los Angeles. Here’s what some of our customers have shared about their experience working with us.
Reviews
Nikki and her team are absolutely fantastic. I’ve been with them for both my auto and home insurance for years, and they’ve always been incredibly responsive and helpful. Whether I need an extra copy of an insurance card, or just have a quick question, they’re always patient and easy to reach. I can’t recommend Nikki enough!
Reviews
I was referred to Nikki by a coworker who’s one of her clients, and I’m so glad I made the switch. I moved all of my policies over from State Farm because I really value the personalized service Nikki and her team provide. It’s refreshing to work with someone who takes the time to explain everything and is genuinely invested in helping you. I also love that she’s local—there’s a real sense of connection and trust.
Reviews
Nikki has been our insurance agent for just about a year now and we love the personal service we get with her. We have our home, autos and our landlord policies all with her through Farmers and I would highly recommend her to anyone who is looking for insurance!
Reviews
Amazing service! Got my five work trucks covered and got me a policy for my home insurance. Thank you Nikki you are a pleasure to work with 10/10 would recommend to anyone!!!
GJELINA
Cuisine: Modern American
Known For: Rustic small plates, trendy atmosphere.
Address: 1429 Abbot Kinney Blvd, Venice, CA 90291
Website: Visit Website
FATHER'S OFFICE
Cuisine: American Gastropub
Known For: Legendary burgers and craft beers.
Address: 1018 Montana Ave, Santa Monica, CA 90403
Website: Visit Website
THE LOBSTER
Cuisine: Seafood
Known For: Fresh seafood, ocean views.
Address: 1602 Ocean Ave, Santa Monica, CA 90401
Website: Visit Website
SANTA MONICA PIER
Known For: Iconic pier with amusement park, aquarium, and restaurants.
Address: 200 Santa Monica Pier, Santa Monica, CA 90401
Website: Visit Website
PALISADES PARK
Known For: Scenic park with ocean views, walking paths.
Address: Ocean Ave, Santa Monica, CA 90401
Website: Visit Website
TONGVA PARK
Known For: Modern urban park with unique architecture and play areas.
Address: 1615 Ocean Ave, Santa Monica, CA 90401
Website: Visit Website
SANTA MONICA FARMERS MARKET
Known For: Fresh produce, local vendors.
Address: Arizona Ave & 2nd St, Santa Monica, CA 90401
Website: Visit Website
THIRD STREET PROMENADE
Known For: Outdoor shopping, dining, and entertainment.
Address: 1351 3rd Street Promenade, Santa Monica, CA 90401
Website: Visit Website
SANTA MONICA PLACE
Known For: Upscale shopping mall with a variety of stores and restaurants.
Address: 395 Santa Monica Place, Santa Monica, CA 90401
Website: Visit Website
THE BUNGALOW
Known For: Beach-style lounge with a lively atmosphere.
Address: 101 Wilshire Blvd, Santa Monica, CA 90401
Website: Visit Website
THE MISFIT RESTAURANT + BAR
Known For: Craft cocktails, vibrant setting.
Address: 225 Santa Monica Blvd, Santa Monica, CA 90401
Website: Visit Website
BIRDIE G'S
Known For: Modern American cuisine with creative cocktails.
Address: 2421 Michigan Ave, Santa Monica, CA 90404
Website: Visit Website
California law requires:
$15,000 for injury/death to one person
$30,000 for injury/death to more than one person
$5,000 for property damage
However, these limits may not be enough in a serious accident. We recommend higher limits for better protection.
Most full coverage policies extend to rental vehicles for personal use. However, coverage may vary. If you frequently rent vehicles, we can discuss options like rental reimbursement and extended liability protection.
Los Angeles drivers often pay more due to traffic congestion, accident rates, and repair costs. Your neighborhood, commute length, and even your parking situation (garage vs. street) can affect your rate.
Yes! Bundling auto insurance with homeowners, renters, life, or umbrella coverage through Farmers can unlock valuable discounts and simplify your policy management.
Uninsured/Underinsured Motorist (UM/UIM) coverage helps cover your medical bills and property damage if the other driver doesn’t have adequate insurance. In LA, where uninsured drivers are common, this is an important coverage to consider.
Collision covers damage to your vehicle from accidents — whether you hit another car or an object. Comprehensive covers non-collision events like theft, vandalism, fire, or falling objects — especially useful in high-risk urban areas.