Car Insurance in Thousand Oaks, California

Why car insurance in Thousand Oaks costs less than the California average

Insurers price by territory, and Thousand Oaks's numbers explain most of the gap. With 124,229 residents on 55.3 square miles, the city's density (2,248 people per square mile) is 1% lower than the density where the typical California resident lives (2,278). The average commute is 24.6 minutes (California: 28.7), and 64% of workers drive alone. Together these put our location factor at 0.96× the state baseline for liability and collision, and 0.93× for comprehensive once FEMA weather risk for Ventura County is included.

Car insurance cost by ZIP code in Thousand Oaks

Rates can change from one ZIP code to the next. Across 4 Thousand Oaks ZIP codes, our full-coverage estimate ranges from $1,410 in 91361 to $1,490 in 91362. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.

Minimum car insurance in Thousand Oaks

Thousand Oaks drivers follow California's rules: at least 30/60/15 liability coverage. California is at-fault (tort). We estimate state-minimum coverage in Thousand Oaks at $550 a year, and $770 for 100/300/100 limits.

Income-eligible good drivers can meet the law through the California Low Cost Automobile Insurance Program at lower limits of 10/20/3.

Minimums were raised recently from 15/30/5.

Risk factors that shape Thousand Oaks premiums

Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).

Estimated car insurance in Thousand Oaks by driver profile

A clean-record driver in their 50s pays the least in our Thousand Oaks model (about $1,375 for full coverage); an 18-year-old on their own policy pays about $4,105, and a DUI pushes a 30-something to $2,760.

Minimum vs. standard vs. full coverage in Thousand Oaks

Cheap car insurance in Thousand Oaks: how to lower your rate

The cheapest policy is the one that fits your situation. These levers are priced with Thousand Oaks's own numbers:

Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.

Comparing car insurance quotes in Thousand Oaks

• Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
• Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 37 offices listed below.
• Check complaint records with the California Department of Insurance (complaint information) before you buy.
• Mention your ZIP code accurately — within Thousand Oaks, our estimates differ by up to $80 a year between neighborhoods.

How to read a car insurance quote

Car insurance agents near Thousand Oaks, CA

We found 37 insurance offices within about 6 miles of central Thousand Oaks, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.

Insurance cost of popular cars in Thousand Oaks

See insurance costs for every make and model

Car insurance in nearby California cities

• Simi Valley $1,550/yr · 9 mi
• Oxnard $1,605/yr · 19 mi
• Ventura $1,550/yr · 22 mi
• Santa Clarita $1,665/yr · 26 mi
• Los Angeles $1,705/yr · 29 mi
• Burbank $1,605/yr · 31 mi
• Inglewood $1,730/yr · 34 mi
• Glendale $1,625/yr · 36 mi
• Torrance $1,630/yr · 39 mi
• Pasadena $1,620/yr · 42 mi
• Downey $1,715/yr · 46 mi
• El Monte $1,685/yr · 49 mi

All California cities and state rules · Homeowners insurance in Thousand Oaks