Cheapest and Best Car Insurance Companies in Thousand Oaks, CA

GEICO has the cheapest and best minimum coverage car insurance in Thousand Oaks, California, based on recent quotes for 2023. The company offers an outstanding balance of affordability and service.

The ideal insurance depends on your needs and driving record. GEICO and National General have the cheapest auto insurance in Thousand Oaks for minimum and full coverage, respectively. National General is also the best for drivers with violations. USAA is optimal for military drivers, while State Farm is the best for teen drivers. Chubb provides the best service, and GEICO is the best overall.

Cheapest + BestCar InsuranceThousand Oaks

2023

Cheapest and Best Car Insurance in Thousand Oaks, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Thousand Oaks

MoneyGeek’s analysis shows the following companies offer the cheapest minimum coverage auto insurance in Thousand Oaks:

GEICO: $445 per year
AAA California: $486 per year

Chubb provides the city's most costly minimum coverage at $816 annually as of October 2022.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$435	$36
GEICO	$440	$37
GEICO	$445	$37
AAA California	$486	$40
AAA California	$511	$43
Mercury	$514	$43
GEICO	$525	$44
Mercury	$528	$44
Progressive	$557	$46
Progressive	$565	$47
State Farm	$574	$48
Nationwide	$599	$50
AAA California	$617	$51
Nationwide	$623	$52
Travelers	$639	$53
Travelers	$639	$53
Mercury	$648	$54
State Farm	$655	$55
National General	$658	$55
Hartford	$662	$55
Progressive	$665	$55
National General	$678	$57
State National	$679	$57
Kemper	$695	$58
State National	$700	$58
Travelers	$730	$61
Capital Insurance Group	$732	$61
Allstate	$736	$61
Allstate	$746	$62
Farmers	$758	$63
Capital Insurance Group	$758	$63
Hartford	$763	$64
Farmers	$779	$65
Nationwide	$785	$65
Allstate	$803	$67
Kemper	$803	$67
National General	$813	$68
Chubb	$816	$68
State National	$826	$69
Chubb	$841	$70
Capital Insurance Group	$850	$71
Farmers	$885	$74
Hartford	$1,000	$83
National General	$1,007	$84
State Farm	$1,007	$84
National General	$1,025	$85
Kemper	$1,063	$89
GEICO	$1,095	$91
AAA California	$1,120	$93
AAA California	$1,122	$93
GEICO	$1,131	$94
Mercury	$1,166	$97
Chubb	$1,172	$98
Mercury	$1,181	$98
National General	$1,226	$102
Allstate	$1,242	$103
Progressive	$1,247	$104
Progressive	$1,248	$104
State Farm	$1,294	$108
Allstate	$1,302	$109
GEICO	$1,307	$109
Nationwide	$1,321	$110
Hartford	$1,399	$117
Nationwide	$1,429	$119
Allstate	$1,437	$120
Travelers	$1,469	$122
AAA California	$1,470	$123
Capital Insurance Group	$1,470	$123
State National	$1,500	$125
Progressive	$1,504	$125
State Farm	$1,510	$126
Travelers	$1,517	$126
Mercury	$1,529	$127
Capital Insurance Group	$1,554	$130
State National	$1,609	$134
Hartford	$1,616	$135
Kemper	$1,695	$141
Capital Insurance Group	$1,750	$146
Travelers	$1,782	$149
Farmers	$1,815	$151
Chubb	$1,848	$154
Farmers	$1,849	$154
Nationwide	$1,858	$155
Chubb	$1,908	$159
State National	$1,979	$165
Kemper	$2,070	$173
Hartford	$2,116	$176
Farmers	$2,187	$182
Kemper	$2,545	$212
Chubb	$2,724	$227

California law requires car insurance policies to have the following minimum liability limits:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

If your bodily injury liability is $30,000 per accident and $15,000 per individual, your insurance provider will only pay $15,000 in damages to any victims and up to $30,000 per accident. All additional costs become your responsibility.

Cheapest Full Coverage Car Insurance in Thousand Oaks

Based on our assessment, the following companies provide the cheapest full coverage auto insurance in Thousand Oaks:

National General: $1,007 per year
AAA California: $1,122 per year

Farmers has the city's most expensive annual rates for full coverage at $1,849 as of October 2022.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$435	$36
GEICO	$440	$37
GEICO	$445	$37
AAA California	$486	$40
AAA California	$511	$43
Mercury	$514	$43
GEICO	$525	$44
Mercury	$528	$44
Progressive	$557	$46
Progressive	$565	$47
State Farm	$574	$48
Nationwide	$599	$50
AAA California	$617	$51
Nationwide	$623	$52
Travelers	$639	$53
Travelers	$639	$53
Mercury	$648	$54
State Farm	$655	$55
National General	$658	$55
Hartford	$662	$55
Progressive	$665	$55
National General	$678	$57
State National	$679	$57
Kemper	$695	$58
State National	$700	$58
Travelers	$730	$61
Capital Insurance Group	$732	$61
Allstate	$736	$61
Allstate	$746	$62
Farmers	$758	$63
Capital Insurance Group	$758	$63
Hartford	$763	$64
Farmers	$779	$65
Nationwide	$785	$65
Allstate	$803	$67
Kemper	$803	$67
National General	$813	$68
Chubb	$816	$68
State National	$826	$69
Chubb	$841	$70
Capital Insurance Group	$850	$71
Farmers	$885	$74
Hartford	$1,000	$83
National General	$1,007	$84
State Farm	$1,007	$84
National General	$1,025	$85
Kemper	$1,063	$89
GEICO	$1,095	$91
AAA California	$1,120	$93
AAA California	$1,122	$93
GEICO	$1,131	$94
Mercury	$1,166	$97
Chubb	$1,172	$98
Mercury	$1,181	$98
National General	$1,226	$102
Allstate	$1,242	$103
Progressive	$1,247	$104
Progressive	$1,248	$104
State Farm	$1,294	$108
Allstate	$1,302	$109
GEICO	$1,307	$109
Nationwide	$1,321	$110
Hartford	$1,399	$117
Nationwide	$1,429	$119
Allstate	$1,437	$120
Travelers	$1,469	$122
AAA California	$1,470	$123
Capital Insurance Group	$1,470	$123
State National	$1,500	$125
Progressive	$1,504	$125
State Farm	$1,510	$126
Travelers	$1,517	$126
Mercury	$1,529	$127
Capital Insurance Group	$1,554	$130
State National	$1,609	$134
Hartford	$1,616	$135
Kemper	$1,695	$141
Capital Insurance Group	$1,750	$146
Travelers	$1,782	$149
Farmers	$1,815	$151
Chubb	$1,848	$154
Farmers	$1,849	$154
Nationwide	$1,858	$155
Chubb	$1,908	$159
State National	$1,979	$165
Kemper	$2,070	$173
Hartford	$2,116	$176
Farmers	$2,187	$182
Kemper	$2,545	$212
Chubb	$2,724	$227

Full coverage car insurance includes comprehensive and collision coverage.

Collision Insurance: Covers crashes with other moving vehicles and solid objects, such as posts.
Comprehensive Insurance: Covers theft and non-collision damage, such as weather occurrences.

Full coverage offers extra security, but if your car is old, full coverage insurance may cost more than the car is worth.

Cheapest Car Insurance in Thousand Oaks After a Driving Offense

Drivers with the following offenses on their records can find the least expensive auto insurance in Thousand Oaks from National General:

Speeding ticket: National General ($1,059 per year)
At-fault accident: National General ($1,497 per year)
DUI: National General ($1,059 per year)

Among the most expensive options for those with driving violations are Farmers ($2,557 for a speeding ticket), Kemper ($3,752 for an at-fault accident) and Hartford ($5,946 for a DUI). Even the cheapest insurance will cost more after a driving violation.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
AAA California	$647	$54
State Farm	$660	$55
Mercury	$663	$55
GEICO	$671	$56
GEICO	$679	$57
Mercury	$680	$57
AAA California	$681	$57
State Farm	$689	$57
National General	$696	$58
National General	$696	$58
National General	$717	$60
National General	$717	$60
AAA California	$772	$64
GEICO	$787	$66
GEICO	$796	$66
GEICO	$801	$67
Capital Insurance Group	$812	$68
AAA California	$814	$68
AAA California	$825	$69
Mercury	$829	$69
Mercury	$837	$70
Capital Insurance Group	$842	$70
Mercury	$851	$71
Capital Insurance Group	$852	$71
National General	$859	$72
National General	$859	$72
State Farm	$872	$73
Capital Insurance Group	$884	$74
State Farm	$910	$76
Mercury	$924	$77
Kemper	$926	$77
Nationwide	$927	$77
GEICO	$939	$78
Mercury	$947	$79
Capital Insurance Group	$948	$79
Hartford	$963	$80
Hartford	$963	$80
Nationwide	$964	$80
State National	$965	$80
State National	$965	$80
AAA California	$986	$82
National General	$990	$83
Capital Insurance Group	$992	$83
State National	$995	$83
State National	$995	$83
State Farm	$995	$83
Travelers	$997	$83
Travelers	$997	$83
Progressive	$1,008	$84
National General	$1,021	$85
Progressive	$1,024	$85
Nationwide	$1,032	$86
Allstate	$1,036	$86
Farmers	$1,037	$86
Farmers	$1,037	$86
State Farm	$1,040	$87
Mercury	$1,048	$87
Allstate	$1,052	$88
Chubb	$1,052	$88
National General	$1,059	$88
National General	$1,059	$88
Farmers	$1,064	$89
Farmers	$1,064	$89
Kemper	$1,070	$89
GEICO	$1,071	$89
Nationwide	$1,074	$89
National General	$1,077	$90
National General	$1,077	$90
Chubb	$1,077	$90
GEICO	$1,084	$90
Progressive	$1,114	$93
Travelers	$1,117	$93
Travelers	$1,119	$93
Hartford	$1,123	$94
Hartford	$1,123	$94
Progressive	$1,134	$94
Allstate	$1,136	$95
Travelers	$1,148	$96
Mercury	$1,169	$97
State National	$1,178	$98
State National	$1,178	$98
Allstate	$1,198	$100
Farmers	$1,208	$101
Farmers	$1,208	$101
Allstate	$1,216	$101
Progressive	$1,216	$101
Progressive	$1,217	$101
Nationwide	$1,219	$102
National General	$1,227	$102
Progressive	$1,243	$104
Capital Insurance Group	$1,276	$106
Chubb	$1,279	$107
GEICO	$1,280	$107
Travelers	$1,288	$107
National General	$1,289	$107
National General	$1,289	$107
Farmers	$1,294	$108
Chubb	$1,305	$109
Allstate	$1,316	$110
Capital Insurance Group	$1,324	$110
Farmers	$1,330	$111
Progressive	$1,346	$112
Travelers	$1,346	$112
Travelers	$1,347	$112
State Farm	$1,360	$113
Nationwide	$1,360	$113
Chubb	$1,408	$117
Kemper	$1,419	$118
AAA California	$1,446	$120
AAA California	$1,447	$121
Progressive	$1,475	$123
Capital Insurance Group	$1,490	$124
State Farm	$1,497	$125
National General	$1,497	$125
Hartford	$1,505	$125
Hartford	$1,505	$125
Farmers	$1,510	$126
National General	$1,524	$127
Mercury	$1,533	$128
Mercury	$1,557	$130
Travelers	$1,558	$130
State Farm	$1,568	$131
Kemper	$1,581	$132
Kemper	$1,581	$132
Chubb	$1,636	$136
Nationwide	$1,641	$137
GEICO	$1,643	$137
Chubb	$1,659	$138
AAA California	$1,672	$139
Capital Insurance Group	$1,680	$140
Chubb	$1,684	$140
GEICO	$1,695	$141
AAA California	$1,701	$142
Nationwide	$1,708	$142
AAA California	$1,709	$142
Capital Insurance Group	$1,728	$144
State National	$1,751	$146
AAA California	$1,764	$147
Capital Insurance Group	$1,780	$148
State Farm	$1,796	$150
State National	$1,807	$151
Allstate	$1,807	$151
National General	$1,828	$152
Capital Insurance Group	$1,830	$153
GEICO	$1,846	$154
Allstate	$1,898	$158
AAA California	$1,899	$158
GEICO	$1,902	$158
Mercury	$1,916	$160
Kemper	$1,923	$160
Kemper	$1,923	$160
State Farm	$1,925	$160
Mercury	$1,945	$162
GEICO	$1,962	$164
Capital Insurance Group	$2,008	$167
Chubb	$2,015	$168
State Farm	$2,015	$168
Mercury	$2,018	$168
Nationwide	$2,046	$171
State Farm	$2,051	$171
Capital Insurance Group	$2,066	$172
Mercury	$2,067	$172
Hartford	$2,088	$174
Hartford	$2,088	$174
Mercury	$2,093	$174
Allstate	$2,103	$175
State National	$2,134	$178
State National	$2,134	$178
AAA California	$2,144	$179
State National	$2,153	$179
Allstate	$2,168	$181
Nationwide	$2,170	$181
GEICO	$2,202	$184
Allstate	$2,206	$184
Nationwide	$2,218	$185
Allstate	$2,225	$185
AAA California	$2,238	$187
State Farm	$2,245	$187
Kemper	$2,255	$188
Travelers	$2,262	$189
Nationwide	$2,280	$190
State National	$2,291	$191
State National	$2,291	$191
Travelers	$2,328	$194
Hartford	$2,334	$195
Allstate	$2,346	$196
State Farm	$2,352	$196
Progressive	$2,358	$196
Progressive	$2,365	$197
Allstate	$2,391	$199
Hartford	$2,426	$202
Hartford	$2,426	$202
Chubb	$2,427	$202
Kemper	$2,428	$202
Kemper	$2,428	$202
Nationwide	$2,473	$206
Chubb	$2,485	$207
Farmers	$2,507	$209
Farmers	$2,507	$209
Mercury	$2,524	$210
Travelers	$2,536	$211
Farmers	$2,557	$213
Farmers	$2,557	$213
Progressive	$2,573	$214
Progressive	$2,586	$216
Travelers	$2,605	$217
Allstate	$2,609	$217
GEICO	$2,622	$219
Capital Insurance Group	$2,630	$219
GEICO	$2,705	$225
Mercury	$2,712	$226
Kemper	$2,756	$230
Travelers	$2,758	$230
Hartford	$2,765	$230
Capital Insurance Group	$2,788	$232
State National	$2,820	$235
State National	$2,820	$235
Progressive	$2,859	$238
Nationwide	$2,893	$241
Progressive	$2,930	$244
Progressive	$2,948	$246
Chubb	$2,982	$248
Farmers	$3,025	$252
Farmers	$3,025	$252
Chubb	$3,042	$254
Travelers	$3,087	$257
State Farm	$3,095	$258
Progressive	$3,124	$260
Travelers	$3,125	$260
GEICO	$3,133	$261
Farmers	$3,133	$261
Capital Insurance Group	$3,146	$262
Farmers	$3,196	$266
Hartford	$3,206	$267
Hartford	$3,206	$267
Travelers	$3,223	$269
Nationwide	$3,231	$269
Chubb	$3,300	$275
Kemper	$3,390	$283
AAA California	$3,457	$288
AAA California	$3,472	$289
Progressive	$3,563	$297
Nationwide	$3,630	$302
Kemper	$3,752	$313
Kemper	$3,752	$313
Farmers	$3,780	$315
Hartford	$3,797	$316
Travelers	$3,843	$320
Chubb	$3,858	$321
Chubb	$3,909	$326
Nationwide	$3,941	$328
Allstate	$3,950	$329
Chubb	$3,969	$331
State Farm	$3,981	$332
State National	$3,983	$332
Allstate	$4,164	$347
State National	$4,283	$357
AAA California	$4,549	$379
Allstate	$4,629	$386
State Farm	$4,641	$387
Kemper	$4,728	$394
Kemper	$4,728	$394
Chubb	$4,785	$399
Hartford	$5,071	$423
Nationwide	$5,165	$430
State National	$5,289	$441
Kemper	$5,651	$471
Kemper	$5,651	$471
Hartford	$5,946	$495
Hartford	$7,986	$666

The degree of the driving violation will dictate the amount your insurance rates increase. In Thousand Oaks, a speeding ticket will result in a $587 premium hike, while a DUI will result in a $2,013 rate increase. You can still find the cheapest auto insurance regardless of your poor driving record.

Cheapest Car Insurance in Thousand Oaks for Teens and Their Families

The following are the cheapest auto insurance providers in Thousand Oaks when teens are added to a family policy:

State Farm: $3,024 per year for female and male teens
GEICO: $3,323 per year for female teens and Farmers: $3,386 per year for male teens

Male adolescent drivers typically pay higher rates because they are considered more dangerous drivers. The second-cheapest rates from GEICO and Farmers are an example of price variation based on sex. This difference evens out by early adulthood. Nationwide has the highest prices for both female and male teenagers in Thousand Oaks, at $5,202 per year.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,468	$2,363
GEICO	$1,503	$2,419
GEICO	$1,506	$2,664
GEICO	$1,522	$2,542
GEICO	$1,540	$2,478
GEICO	$1,548	$2,739
GEICO	$1,570	$2,894
GEICO	$1,590	$2,813
GEICO	$1,743	$2,610
GEICO	$1,801	$2,981
Nationwide	$1,808	$3,749
Nationwide	$1,808	$3,749
Progressive	$1,925	$3,080
Progressive	$1,925	$3,080
Allstate	$1,967	$3,189
Allstate	$1,967	$3,189
Capital Insurance Group	$1,977	$2,533
Capital Insurance Group	$1,977	$2,533
Nationwide	$1,983	$4,111
Nationwide	$1,983	$4,111
Nationwide	$2,046	$4,702
Nationwide	$2,046	$4,702
Allstate	$2,060	$3,339
Allstate	$2,060	$3,339
Progressive	$2,084	$3,334
Progressive	$2,084	$3,334
State Farm	$2,088	$3,063
State Farm	$2,088	$3,063
Allstate	$2,112	$3,709
Allstate	$2,112	$3,709
Nationwide	$2,125	$4,406
Nationwide	$2,125	$4,406
Allstate	$2,134	$3,458
Allstate	$2,134	$3,458
Travelers	$2,168	$2,982
Travelers	$2,168	$2,982
State Farm	$2,172	$3,186
State Farm	$2,172	$3,186
State Farm	$2,209	$3,457
State Farm	$2,209	$3,457
Kemper	$2,211	$4,462
Kemper	$2,211	$4,462
State Farm	$2,222	$3,260
State Farm	$2,222	$3,260
Progressive	$2,230	$4,120
Progressive	$2,230	$4,120
GEICO	$2,244	$3,794
Travelers	$2,244	$3,086
Travelers	$2,244	$3,086
Capital Insurance Group	$2,250	$3,001
Capital Insurance Group	$2,250	$3,001
Allstate	$2,264	$3,726
Allstate	$2,264	$3,726
Travelers	$2,290	$3,312
Travelers	$2,290	$3,312
Farmers	$2,319	$3,315
Farmers	$2,319	$3,315
GEICO	$2,332	$4,376
Kemper	$2,335	$4,712
Kemper	$2,335	$4,712
Progressive	$2,335	$3,735
Progressive	$2,335	$3,735
Travelers	$2,339	$3,216
Travelers	$2,339	$3,216
Capital Insurance Group	$2,341	$3,001
Capital Insurance Group	$2,341	$3,001
Capital Insurance Group	$2,341	$3,001
Capital Insurance Group	$2,341	$3,001
State Farm	$2,367	$3,524
State Farm	$2,367	$3,524
Nationwide	$2,395	$5,154
Nationwide	$2,395	$5,154
GEICO	$2,454	$3,674
Kemper	$2,457	$5,540
Kemper	$2,457	$5,540
State Farm	$2,513	$3,924
State Farm	$2,513	$3,924
State Farm	$2,536	$3,776
State Farm	$2,536	$3,776
Kemper	$2,539	$5,125
Kemper	$2,539	$5,125
GEICO	$2,552	$4,224
Travelers	$2,555	$3,476
Travelers	$2,555	$3,476
Allstate	$2,596	$4,749
Allstate	$2,596	$4,749
Farmers	$2,597	$3,845
Farmers	$2,597	$3,845
Capital Insurance Group	$2,613	$3,376
Capital Insurance Group	$2,613	$3,376
Allstate	$2,639	$4,343
Allstate	$2,639	$4,343
Farmers	$2,690	$3,845
Farmers	$2,690	$3,845
Farmers	$2,690	$3,845
Farmers	$2,690	$3,845
Capital Insurance Group	$2,709	$3,376
Capital Insurance Group	$2,709	$3,376
Progressive	$2,766	$4,519
Progressive	$2,766	$4,519
Travelers	$2,773	$4,011
Travelers	$2,773	$4,011
State Farm	$2,793	$4,976
State Farm	$2,793	$4,976
Travelers	$2,815	$3,831
Travelers	$2,815	$3,831
Kemper	$2,846	$5,874
Kemper	$2,846	$5,874
Capital Insurance Group	$2,902	$3,748
Capital Insurance Group	$2,902	$3,748
Farmers	$2,904	$4,409
Farmers	$2,904	$4,409
Nationwide	$2,951	$7,125
Nationwide	$2,951	$7,125
State Farm	$2,961	$5,276
State Farm	$2,961	$5,276
State Farm	$3,024	$5,911
State Farm	$3,024	$5,911
Kemper	$3,083	$6,363
Kemper	$3,083	$6,363
GEICO	$3,099	$5,487
Kemper	$3,109	$7,015
Kemper	$3,109	$7,015
Farmers	$3,139	$5,077
Farmers	$3,139	$5,077
Nationwide	$3,148	$6,775
Nationwide	$3,148	$6,775
Farmers	$3,168	$4,809
Farmers	$3,168	$4,809
GEICO	$3,249	$6,377
Farmers	$3,305	$6,542
Farmers	$3,305	$6,542
GEICO	$3,323	$6,126
Farmers	$3,386	$6,842
Farmers	$3,386	$6,842
Farmers	$3,397	$6,724
Farmers	$3,397	$6,724
GEICO	$3,408	$6,033
Progressive	$3,448	$6,395
Progressive	$3,448	$6,395
Allstate	$3,464	$6,829
Allstate	$3,464	$6,829
GEICO	$3,503	$7,209
GEICO	$3,587	$7,041
Allstate	$3,588	$7,193
Allstate	$3,588	$7,193
Allstate	$3,650	$7,193
Allstate	$3,650	$7,193
Progressive	$3,665	$5,987
Progressive	$3,665	$5,987
Travelers	$3,705	$5,057
Travelers	$3,705	$5,057
Capital Insurance Group	$3,724	$4,638
Capital Insurance Group	$3,724	$4,638
Capital Insurance Group	$3,724	$4,638
Capital Insurance Group	$3,724	$4,638
Capital Insurance Group	$3,724	$4,638
Capital Insurance Group	$3,724	$4,638
Travelers	$3,871	$5,283
Travelers	$3,871	$5,283
Travelers	$3,880	$5,545
Travelers	$3,880	$5,545
Progressive	$3,979	$8,130
Progressive	$3,979	$8,130
Progressive	$4,005	$8,201
Progressive	$4,005	$8,201
Progressive	$4,021	$8,214
Progressive	$4,021	$8,214
Nationwide	$4,483	$9,633
Nationwide	$4,483	$9,633
Kemper	$4,691	$9,578
Kemper	$4,691	$9,578
Nationwide	$5,040	$10,831
Nationwide	$5,040	$10,831
Kemper	$5,139	$10,493
Kemper	$5,139	$10,493
Kemper	$5,186	$11,696
Kemper	$5,186	$11,696
Nationwide	$5,202	$13,072
Nationwide	$5,202	$13,072

Buying a separate plan for a teen is considerably more expensive than adding them to a family policy. For example, in Thousand Oaks, you can save an average of $673 by adding a male teen to the family’s policy. Compare the cheapest teen car insurance to find the best option for your family.

Cheapest Car Insurance in Thousand Oaks for Military Drivers

Drivers in Thousand Oaks with a military background can purchase the cheapest full coverage car insurance from these leading providers:

USAA: $952 per year
National General: $1,007 per year

USAA is a nationwide car insurance company that provides coverage to those in the military and their families. It is also the city’s least expensive option for minimum coverage at $425 annually.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$425	$35
USAA	$425	$35
State Farm	$435	$36
GEICO	$440	$37
GEICO	$445	$37
AAA California	$486	$40
AAA California	$511	$43
USAA	$514	$43
Mercury	$514	$43
GEICO	$525	$44
Mercury	$528	$44
Progressive	$557	$46
Progressive	$565	$47
State Farm	$574	$48
Nationwide	$599	$50
AAA California	$617	$51
Nationwide	$623	$52
Travelers	$639	$53
Travelers	$639	$53
Mercury	$648	$54
State Farm	$655	$55
National General	$658	$55
Hartford	$662	$55
Progressive	$665	$55
National General	$678	$57
State National	$679	$57
Kemper	$695	$58
State National	$700	$58
Travelers	$730	$61
Capital Insurance Group	$732	$61
Allstate	$736	$61
Allstate	$746	$62
Capital Insurance Group	$758	$63
Farmers	$758	$63
Hartford	$763	$64
Farmers	$779	$65
Nationwide	$785	$65
Allstate	$803	$67
Kemper	$803	$67
National General	$813	$68
Chubb	$816	$68
State National	$826	$69
Chubb	$841	$70
Capital Insurance Group	$850	$71
Farmers	$885	$74
USAA	$932	$78
USAA	$952	$79
Hartford	$1,000	$83
National General	$1,007	$84
State Farm	$1,007	$84
National General	$1,025	$85
Kemper	$1,063	$89
GEICO	$1,095	$91
AAA California	$1,120	$93
AAA California	$1,122	$93
GEICO	$1,131	$94
USAA	$1,140	$95
Mercury	$1,166	$97
Chubb	$1,172	$98
Mercury	$1,181	$98
National General	$1,226	$102
Allstate	$1,242	$103
Progressive	$1,247	$104
Progressive	$1,248	$104
State Farm	$1,294	$108
Allstate	$1,302	$109
GEICO	$1,307	$109
Nationwide	$1,321	$110
Hartford	$1,399	$117
Nationwide	$1,429	$119
Allstate	$1,437	$120
Travelers	$1,469	$122
AAA California	$1,470	$123
Capital Insurance Group	$1,470	$123
State National	$1,500	$125
Progressive	$1,504	$125
State Farm	$1,510	$126
Travelers	$1,517	$126
Mercury	$1,529	$127
Capital Insurance Group	$1,554	$130
State National	$1,609	$134
Hartford	$1,616	$135
Kemper	$1,695	$141
Capital Insurance Group	$1,750	$146
Travelers	$1,782	$149
Farmers	$1,815	$151
Chubb	$1,848	$154
Farmers	$1,849	$154
Nationwide	$1,858	$155
Chubb	$1,908	$159
State National	$1,979	$165
Kemper	$2,070	$173
Hartford	$2,116	$176
Farmers	$2,187	$182
Kemper	$2,545	$212
Chubb	$2,724	$227

How to Compare Cheap Thousand Oaks Car Insurance Quotes Online

Getting insurance quotes online can take up to 15 minutes per company and requires you to input quite a bit of personal information. MoneyGeek's insurance calculator quickly estimates your rates based on just your coverage needs, age, vehicle type and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Thousand Oaks: Summary

The best car insurance for you will depend on how you weigh affordability, service and coverages. MoneyGeek identified the best insurers in Thousand Oaks as follows:

Best overall: GEICO (MoneyGeek score of 71 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: GEICO (MoneyGeek score of 78 out of 100)

When assessing the standard of service companies' offer, we did not consider affordability. Despite having some of the highest prices in Thousand Oaks, Chubb received the highest client satisfaction rating.

Best Overall Car Insurance in Thousand Oaks

Of the 15 companies we evaluated, the following providers offer the overall best auto insurance in Thousand Oaks:

GEICO: MoneyGeek score of 71 out of 100 ($1,131 per year)
National General: MoneyGeek score of 68 out of 100 ($1,007 per year)

GEICO received the highest ranking for its remarkable affordability, stability and customer satisfaction scores.

How was this MoneyGeek score calculated?

pros

Third-cheapest rate, at $1,131 per year

Good customer satisfaction rating

Offers unique add-on coverage selections

cons

Poor claims management score

Limited coverage options

COMPANY HIGHLIGHTS

GEICO is MoneyGeek’s pick for the overall best auto insurance in Thousand Oaks. This company has an excellent client satisfaction rating and is reasonably priced at $1,131 per year, the third-lowest rate in the city.

GEICO’s add-on coverages are accident forgiveness, antique car insurance, rental car reimbursement, mechanical breakdown insurance and roadside assistance. These coverages are far fewer than those offered by other insurance companies in Thousand Oaks.

However, GEICO's mechanical breakdown coverage is a unique coverage that protects your car’s parts and systems at a lower cost than the typical dealer warranty. Your car must be less than 15 months old with under 15,000 miles to qualify for this coverage.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Thousand Oaks for Customer Service

Without considering price, the following providers emerged as the best auto insurance in Thousand Oaks for customer service:

Chubb: MoneyGeek score of 76 out of 100 ($1,848 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,554 per year)

Despite having one of the most expensive rates in the city, Chubb constantly earns excellent customer service and claims handling scores.

How was this MoneyGeek score calculated?

pros

Ranked #2 for customer satisfaction out of 15 companies

Provides unique coverage options

Strong claims management rating

cons

Does not offer some of the standard coverages

One of the most expensive insurance rates

COMPANY HIGHLIGHTS

Among the 15 insurance providers assessed, Chubb provides the best customer service in Thousand Oaks. The insurer received excellent marks for claims handling and client satisfaction.

Chubb provides unique coverages, such as antique/classic car, original equipment manufacturer (OEM) and diminished value coverages. Other providers in the city do not offer these add-ons. However, Chubb lacks the majority of standard add-on coverages, only offering rental car and/or travel reimbursement.

Chubb’s insurance premiums are also some of the most expensive in the city, with a yearly average of $1,848. The insurer offers several discounts to help lower rates, including discounts for having anti-lock brakes, anti-theft systems, daytime running lights or honing devices.

Best Cheap Car Insurance in Thousand Oaks

The following insurers provide the best minimum coverage car insurance in Thousand Oak, as mandated by the state of California:

GEICO: MoneyGeek score of 78 out of 100 ($445 per year)
AAA California: MoneyGeek score of 70 out of 100 ($486 per year)

While minimum coverage is affordable, it does not cover damages to your car or provide adequate liability coverage.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $445 per year

Provides many customer discounts

Above-average rating for customer service

cons

Lacks some of the standard coverages other companies offer

Weak claims management rating

COMPANY HIGHLIGHTS

At $445 per year, GEICO provides the best cheap minimum coverage car insurance in Thousand Oaks. The company is also well known for providing excellent customer service, assisting policyholders through a mobile app and offering an online calculator and online bill payment.

GEICO offers discounts to teachers, members of the military, federal employees and senior drivers. In addition, airbags, bundling, good grades, safe driving, defensive driving courses and anti-theft systems also qualify for discounts. Other discounts include those for new cars, anti-lock brakes, seat belt use and daytime running lights.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Thousand Oaks

The average yearly car insurance cost in Thousand Oaks is $1,408 as of October 2022. This cost is significantly higher than the California and national averages of $1,387 and $1,265, respectively. These price differences illustrate how location can affect insurance costs. Full coverage rates include $100,000 bodily injury liability per person, $300,000 injury liability per accident and $100,000 property damage liability.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

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Cheapest and Best Car Insurance Companies in Thousand Oaks, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Thousand Oaks

Cheapest Full Coverage Car Insurance in Thousand Oaks

Cheapest Car Insurance in Thousand Oaks After a Driving Offense

Cheapest Car Insurance in Thousand Oaks for Teens and Their Families

Cheapest Car Insurance in Thousand Oaks for Military Drivers

How to Compare Cheap Thousand Oaks Car Insurance Quotes Online

Best Car Insurance in Thousand Oaks: Summary

Best Overall Car Insurance in Thousand Oaks

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Thousand Oaks for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Thousand Oaks

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Thousand Oaks