Compare Thousand Oaks, CA Car Insurance Rates (2021)

The cheapest Thousand Oaks, CA car insurance is offered by GEICO, however, some drivers may qualify for the California Low-Cost Auto program if they can’t afford coverage. Thousand Oaks auto insurance must meet the state minimum requirements of 15/30/5 in liability coverage, but drivers are encouraged to increase their coverage. Compare Thousand Oaks, CA auto insurance online rates to find the best deal.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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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UPDATED: Mar 19, 2021

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Here's what you need to know...

  • The cheapest car insurance company that offers coverage to all Thousand Oaks, CA drivers is GEICO
  • Thousand Oaks is part of the larger Los Angeles metro area
  • Some low-income drivers may qualify for the California Low-Cost Auto program if they meet certain criteria

Thousand Oaks, CA car insurance is more expensive than the national average but cheaper than the California car insurance average.

You can still find affordable Thousand Oaks, CA car insurance if you compare rates from multiple companies. Shopping around will help you find the cheap car insurance that fits your needs.

Enter your ZIP code now to compare Thousand Oaks, CA car insurance quotes from multiple companies for free today.

What is the cheapest car insurance company in Thousand Oaks, CA?

Although USAA actually is the cheapest car insurance company in Thousand Oaks, it only offers coverage to the military, veterans, and their families. GEICO offers the cheapest coverage to all Thousand Oaks drivers.

The top Thousand Oaks, CA car insurance companies from least to most expensive are:

  • USAA – $2,830.06
  • GEICO – $2,916.03
  • Liberty Mutual – $3,025.76
  • Progressive – $3,099.71
  • Travelers – $3,388.53
  • State Farm – $4,544.94
  • Farmers – $4,621.21
  • Allstate – $4,903.39
  • Nationwide – $4,968.95

Many factors influence your auto insurance rates, including your age and driving record. California is one of the few states that doesn’t allow companies to use gender to determine your rates.

Where you live and the size of your city affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, although the cities are close together, Los Angeles car insurance is more expensive than coverage in Thousand Oaks.

It’s also important to note that California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

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What car insurance coverage is required in Thousand Oaks, CA?

Almost every state, including California, requires at least a minimum amount of auto insurance for drivers to drive legally.

The minimum auto insurance requirements for Thousand Oaks, California drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These are very low minimums, and drivers should consider increasing them and adding additional coverages. These low minimums won’t completely protect you in a major accident, leaving you to pay out of pocket for everything not covered.

Consider adding collision and comprehensive insurance to your policy. Collision insurance assists in the payment of damages incurred as a result of an accident that you caused. Comprehensive insurance covers accidents that aren’t caused by an accident, such as those caused by the Thousand Oaks, CA weather.

What affects car insurance rates in Thousand Oaks, CA?

Traffic can also affect your auto insurance rates because more cars on the road equal a higher chance of an accident.

Although INRIX doesn’t have data for Thousand Oaks, it does rank nearby Los Angeles, CA as the fifth most congested city in the U.S. and the 37th most congested city in the world.

City-Data reports that most drivers have about a 20-minute commute, although some drivers commute an hour or more.

Theft can also cause an increase in your car insurance rates. According to the FBI, there were only 113 motor vehicle thefts in one year in Thousand Oaks.

Thousand Oaks, CA Car Insurance: The Bottom Line

Thousand Oaks car insurance is more expensive than the national average, yet cheaper than the California average. However, low-income drivers may be able to take advantage of the CLCA program.

Before you buy Thousand Oaks, CA car insurance, shop around and compare quotes to find the best deal for you.

Enter your ZIP code to compare Thousand Oaks, CA car insurance rates from different companies today.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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