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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceThousand Oaks
2023

Cheapest and Best Car Insurance in Thousand Oaks, CA

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.

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.

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.

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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.

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.

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.

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.

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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?

GEICO

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?

Chubb

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?

GEICO

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 headshot

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.