Compare Thousand Oaks, CA Car Insurance Rates (2021)

Car insurance in Thousand Oaks, CA averages $318 a month. Thousand Oaks, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Thousand Oaks car insurance rates, compare quotes from the top car insurance companies in Thousand Oaks, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Thousand Oaks is USAA
  • The cheapest ZIP code in Thousand Oaks is 91320
  • Average car insurance rates in Thousand Oaks, CA after a DUI are $5,377/year

If you need to buy Thousand Oaks, California car insurance, the options can be confusing. Everything you need to know about car insurance in Thousand Oaks, CA is right here.

You’ll find Thousand Oaks car insurance rates, the cheapest Thousand Oaks, CA car insurance companies, and information on California car insurance laws. You can also compare Thousand Oaks, California car insurance rates to San Jose car insurance rates, San Francisco car insurance rates, and Anaheim car insurance rates.

Ready to find affordable Thousand Oaks, CA car insurance today? Enter your ZIP code for fast, free Thousand Oaks car insurance quotes.

Cheapest Thousand Oaks, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Thousand Oaks, CA car insurance rates? Every Thousand Oaks, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Thousand Oaks, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,166 $3,151 $2,314 $2,315 $8,871 $11,116 $3,986 $4,309
Farmers $2,521 $2,521 $2,292 $2,292 $8,016 $13,014 $2,987 $3,328
GEICO $1,806 $1,807 $1,698 $1,698 $5,497 $5,581 $2,594 $2,646
Liberty Mutual $2,295 $2,158 $2,154 $2,080 $4,987 $5,354 $2,570 $2,609
Nationwide $3,472 $3,307 $3,058 $2,875 $8,942 $9,867 $4,148 $4,083
Progressive $1,927 $1,984 $1,648 $1,954 $5,216 $6,278 $2,790 $3,001
State Farm $3,561 $3,561 $3,184 $3,184 $6,624 $8,235 $3,944 $4,064
Travelers $2,512 $2,421 $2,227 $2,206 $5,333 $5,973 $3,260 $3,177
USAA $2,023 $1,913 $1,974 $1,978 $4,655 $4,669 $2,793 $2,636

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Minimum Car Insurance in Thousand Oaks, CA

Every driver must carry the minimum car insurance in Thousand Oaks, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Thousand Oaks, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Thousand Oaks, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Thousand Oaks, CA to rates for a clean record with top companies.

Annual Thousand Oaks, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,964 $4,945 $7,826 $3,879
Farmers $3,424 $4,657 $5,785 $4,618
GEICO $2,037 $3,153 $3,947 $2,527
Liberty Mutual $2,627 $3,516 $3,176 $2,784
Nationwide $3,466 $4,446 $7,518 $4,446
Progressive $2,024 $3,454 $4,002 $2,919
State Farm $3,248 $3,871 $7,294 $3,767
Travelers $2,236 $3,718 $4,262 $3,338
USAA $1,879 $2,801 $4,583 $2,058

Cheapest Thousand Oaks, CA Car Insurance for Teen Drivers

Teen car insurance in Thousand Oaks, CA can be expensive. Take a look at rates from the top car insurance companies in Thousand Oaks for teenagers.

Annual Car Insurance Rates for Teen Drivers in Thousand Oaks, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,871 $11,116
Farmers $8,016 $13,014
GEICO $5,497 $5,581
Liberty Mutual $4,987 $5,354
Nationwide $8,942 $9,867
Progressive $5,216 $6,278
State Farm $6,624 $8,235
Travelers $5,333 $5,973
USAA $4,655 $4,669

Cheapest Thousand Oaks, CA Car Insurance for Seniors

Take a look at Thousand Oaks, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Thousand Oaks, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,314 $2,315
Farmers $2,292 $2,292
GEICO $1,698 $1,698
Liberty Mutual $2,154 $2,080
Nationwide $3,058 $2,875
Progressive $1,648 $1,954
State Farm $3,184 $3,184
Travelers $2,227 $2,206
USAA $1,974 $1,978

Cheapest Thousand Oaks, CA Car Insurance Rates After a DUI

A DUI in Thousand Oaks, CA increases car insurance rates. Compare Thousand Oaks, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Thousand Oaks, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,826
Farmers $5,785
GEICO $3,947
Liberty Mutual $3,176
Nationwide $7,518
Progressive $4,002
State Farm $7,294
Travelers $4,262
USAA $4,583

Cheapest Thousand Oaks, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Thousand Oaks, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Thousand Oaks, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,411 $5,396
Farmers $4,192 $5,051
GEICO $2,649 $3,184
Liberty Mutual $2,777 $3,274
Nationwide $4,383 $5,555
Progressive $2,811 $3,389
State Farm $4,378 $4,712
Travelers $3,054 $3,723
USAA $2,606 $3,054

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Cheapest Thousand Oaks, CA Car Insurance Rates by ZIP Code

Thousand Oaks car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Thousand Oaks, CA.

Annual Car Insurance Rates by ZIP Code in Thousand Oaks, California

ZIP Code Average Annual Rates
91320 $4,919
91360 $5,014
91361 $5,232
91362 $5,382

The Best Cheap Car Insurance Companies in Thousand Oaks, CA

Take a look at a side-by-side comparison of the top car insurance companies in Thousand Oaks, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Thousand Oaks, California

Insurance Company Average Annual Rates
Allstate $4,903
Farmers $4,621
GEICO $2,916
Liberty Mutual $3,026
Nationwide $4,969
Progressive $3,100
State Farm $4,545
Travelers $3,389
USAA $2,830

Category Winners: Cheapest Car Insurance in Thousand Oaks, California

Find the cheapest car insurance companies in Thousand Oaks, CA for each category right here.

Best Annual Car Insurance Rates by Company in Thousand Oaks, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Thousand Oaks, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Thousand Oaks car insurance rates. Find the cheapest Thousand Oaks, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Thousand Oaks, California

Insurance Company Low Medium High
Allstate $4,581 $4,954 $5,175
Farmers $4,260 $4,662 $4,941
GEICO $2,604 $2,953 $3,191
Liberty Mutual $2,791 $3,055 $3,231
Nationwide $4,422 $5,062 $5,422
Progressive $2,757 $3,199 $3,342
State Farm $4,030 $4,638 $4,967
Travelers $2,855 $3,496 $3,815
USAA $2,547 $2,889 $3,055

What affects car insurance rates in Thousand Oaks, California?

What factors can have an impact on Thousand Oaks, CA car insurance? There are several reasons why Thousand Oaks car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Thousand Oaks, California.

Car Theft in Thousand Oaks

High levels of vehicle theft can make car insurance more expensive. Thousand Oaks, CA car theft statistics from the FBI indicate 117 vehicle thefts a year.

Commute Time in Thousand Oaks

The more time you spend in your car the higher the risk of an accident. The average commute length in Thousand Oaks, CA is 26.6 minutes according to City-Data.

Compare Car Insurance Quotes in Thousand Oaks, CA

Ready to find affordable Thousand Oaks, California car insurance today? Enter your ZIP code for fast, free Thousand Oaks, CA car insurance quotes.

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