Best Cheap Auto Insurance in Thousand Oaks, CA (2021)

The average Thousand Oaks, CA auto insurance rates are $318 per month. The minimum auto insurance in Thousand Oaks is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Thousand Oaks, California, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Thousand Oaks for teen drivers is Farmers
  • The cheapest auto insurance company in Thousand Oaks is USAA
  • Average auto insurance rates in Thousand Oaks, CA for senior drivers are $2,285 per year

Thousand Oaks, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Thousand Oaks can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Thousand Oaks, California, including driving record, credit, commute time, and more.

Compare auto insurance in Thousand Oaks to other California cities, including Anaheim auto insurance rates, Oakland auto insurance rates, and San Diego auto insurance rates to see how Thousand Oaks, California auto insurance rates stack up.

Before you buy Thousand Oaks, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Thousand Oaks, California auto insurance quotes.

Minimum Auto Insurance in Thousand Oaks, California

Thousand Oaks, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Thousand Oaks, California.

Minimum Required Auto 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

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Cheap Thousand Oaks, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Thousand Oaks, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Thousand Oaks, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Thousand Oaks, California is a challenge. Take a look at the annual teen auto insurance rates in Thousand Oaks, California.

Annual Auto 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

Cheap Thousand Oaks, California Auto Insurance for Seniors

What are senior auto insurance rates in Thousand Oaks, California? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Thousand Oaks, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Thousand Oaks, California compared to the annual auto insurance rates with a clean record in Thousand Oaks, California.

Annual Thousand Oaks, California Auto 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

Cheap Thousand Oaks, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Thousand Oaks, California is not easy. Compare the annual rates for DUI auto insurance in Thousand Oaks, California to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Thousand Oaks, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Thousand Oaks, California can vary. Compare the annual cost of auto insurance by ZIP code in Thousand Oaks, California to see how car insurance rates are affected by location.

Annual Auto 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

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Cheap Thousand Oaks, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Thousand Oaks, California auto insurance. Find the cheapest annual Thousand Oaks, California auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Thousand Oaks, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Thousand Oaks, California? Check out the comparison of annual Thousand Oaks, California auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Thousand Oaks, California

Compare the cheapest auto insurance companies in Thousand Oaks, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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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The Cheapest Thousand Oaks, California Auto Insurance Companies

What auto insurance companies in Thousand Oaks, California are the cheapest? Compare the top Thousand Oaks, California auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Thousand Oaks, California?

There are a lot of reasons why auto insurance rates in Thousand Oaks, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Thousand Oaks, California. Many local factors may affect your Thousand Oaks auto insurance rates.

Thousand Oaks Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Thousand Oaks, California auto theft statistics, there have been 117 auto thefts in the city.

Thousand Oaks Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Thousand Oaks, California commute length is 26.6 minutes according to City-Data.

Compare Thousand Oaks, California Auto Insurance Quotes

Before you buy Thousand Oaks, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Thousand Oaks, California auto insurance quotes.

Free Auto Insurance Comparison

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

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