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Get Cheap Car Insurance in Thousand Oaks, Berkeley, CA
We monitor insurance prices, helping the average driver in Thousand Oaks save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Thousand Oaks
The chart below shows the cheapest car insurance company in Thousand Oaks for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Thousand Oaks Insurer | Monthly Cost |
|---|---|
| Metromile | $49 |
| Geico | $55 |
| Progressive | $59 |
| Travelers | $61 |
Savings for Every Kind of Thousand Oaks Driver
Based on our extensive insurance data, we know the average Thousand Oaks driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $626 per year by choosing the right vehicle insurance company. Some Thousand Oaks residents are paying out over $1,956 extra every year for auto insurance in Thousand Oaks. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Thousand Oaks, Berkeley, CA Savings / Yr. |
|---|---|
$626 |
|
$1,146 |
|
$906 |
|
$1,592 |
|
$817 |
|
$355 |
|
$0 |
Thousand Oaks Car Insurance vs. Berkeley
People living in Thousand Oaks pay an average of 2.56% less than the typical driver in the state. The average driver in Thousand Oaks can expect to pay about $916 per year, or $1,956 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Thousand Oaks for most people.
Car Insurance Prices by Thousand Oaks Neighborhood
Insurance Prices
Where is insurance cheapest within Thousand Oaks?
The map shows insurance prices in and around Thousand Oaks, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $176 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,056 to a low of $1,880. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Thousand Oaks.Pick the Best Car Insurance Company for You in Thousand Oaks
The best car insurance provider for most drivers in Thousand Oaks
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $626 over the average Thousand Oaks car insurance company.
The best car insurance provider for Thousand Oaks drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,146 over the competition.
The best car insurance company for Thousand Oaks drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $906 better than other car insurance companies.
The best auto insurance for Thousand Oaks drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,592 less each year.
The least expensive car insurance company for new and young drivers in Thousand Oaks
In Thousand Oaks, State Farm costs young drivers $817 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Thousand Oaks
Progressive gave the largest car insurance discounts to married couples, averaging $355 saved each year compared to an average Thousand Oaks couple's premiums.
The cheapest car insurance in Thousand Oaks for drivers with bad credit
The best Thousand Oaks car insurance company for customer service
Nationwide was the best company for customer service in Thousand Oaks according to the NAIC.
Recent price drops
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The cheapest large national provider in Thousand Oaks
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Thousand Oaks driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Thousand Oaks, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Thousand Oaks
What Influences the Cost of Car Insurance in Thousand Oaks?
On average, car insurance in Thousand Oaks is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Thousand Oaks are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Thousand Oaks is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Thousand Oaks is $76 per month for minimum coverage and $163 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Berkeley Hills: Insurance costs 2.56% more
- Kensington-San Francisco: Insurance costs 4.14% more
- Westbrae: Insurance costs 6.19% more
- North Berkeley: Insurance costs 7.72% more
- Northwest Berkeley: Insurance costs 11.35% more
- Central Berkeley: Insurance costs 9.82% more
- Downtown Berkeley: Insurance costs 12.58% more
- Richmond Annex: Insurance costs 12.17% more
- SouthWest Berkeley: Insurance costs 15.39% more
- South Berkeley: Insurance costs 13.04% more
Neighborhoods with Similar Populations
- Columbia San Diego: Insurance costs 2.20% more
- Verplanck: Insurance costs 9.15% more
- Downtown Grand Forks: Insurance costs 30.42% less
- Downtown East: Insurance costs 8.84% more
- Downtown Ashland: Insurance costs 43.66% less
- Diamond Heights: Insurance costs 11.09% more
- Deercreek: Insurance costs 30.47% more
- Darkesville: Insurance costs 25.41% less
- Coquina Key: Insurance costs 51.43% more
- Conant Gardens: Insurance costs 102.76% more