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How much does car insurance cost in Thousand Oaks?
Car insurance costs an average of $1,858 per year in Thousand Oaks. That's slightly less than the statewide average in California ($1,868) and more expensive than the national average of $1,548. Our guide to Thousand Oaks car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
AUTO INSURANCE: THOUSAND OAKS RATES VS. STATE + NATIONAL AVERAGES
|Thousand Oaks Average (yearly)||California Average||National Average|
Thousand Oaks auto insurance rates by company
The difference in auto insurance rates from company to company can be substantial. For a typical driver, GEICO offers Thousand Oaks' cheapest rates. See below the best options for affordable auto insurance in Thousand Oaks. Don't forget to get car insurance quotes based on your unique driving profile.
THOUSAND OAKS CAR INSURANCE PREMIUMS BY COMPANY
See our guides to finding the best cheap car insurance and auto insurance companies with the highest customer satisfation ratings.
Thousand Oaks auto insurance premiums by age
The age group that pays the least for car insurance in Thousand Oaks are drivers in their 60s ($1,668 per year). Rates for Thousand Oaks drivers in their 50s are also relatively affordable, at just $1,672 per year.
Teenage drivers pay Thousand Oaks's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Thousand Oaks is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Thousand Oaks is $4,056, the largest such difference between any two age brackets.
THOUSAND OAKS CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Yearly Rate|
Learn more about how age influences auto insurance rates.
Thousand Oaks car insurance rates by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers usually pay less for car insurance than their single counterparts. In Thousand Oaks, married motorists pay $77 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single.
Another component of auto insurance pricing is gender. In Thousand Oaks, female drivers pay $4 per year more than do male drivers.
THOUSAND OAKS CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Yearly Rate|
Read more about the relationships between gender, marital status and insurance rates.
Thousand Oaks car insurance premiums by citation and accident history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Thousand Oaks drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,210 per year versus the city average. A ticket for speeding results in a $750 rate hike, on average, while a DUI violation costs an extra $3,120 per year in insurance premiums.
AVERAGE THOUSAND OAKS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages greater than $1,000)||$1,865|
|At-fault Accident (damages greater than $2,000)||$3,269|
|Speeding Ticket (16-20 MPH over speed limit)||$2,608|
Learn more about how citations can raise your auto insurance rates.
Thousand Oaks auto insurance premiums by credit score
Credit is not a rating factor for Thousand Oaks drivers, as the state of California does not allow auto insurance companies to take credit score into account when pricing policies.
Find out more about credit and auto insurance.
Compare rates from top companies today.
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.