Malibu drivers face a 33-minute average commute, so a policy that fits your daily miles is worth a quick side-by-side quote comparison.
How Much Does Car Insurance Cost in Malibu?
Annual mileage is one of the biggest rate factors under Prop 103, and Malibu's average commute of about 33 minutes runs longer than the state's 29. On the other hand, vehicle theft is low here at 0.7 per thousand people, compared with 3.2 statewide, which can help the picture for comprehensive coverage.
| Factor | Malibu | California |
|---|---|---|
| Average commute | 33 min | 29 min |
| Homes with 2+ cars | 71% | 63% |
| Car thefts per 1,000 | 0.7 | 3.2 |
| ZIP codes | 1 |
Why Malibu Drivers Compare Quotes With A1
Carriers weigh mileage, driving record and experience differently, so the same Malibu driver can see quite different prices from one company to the next. A1 works with several California carriers rather than one, so you get side-by-side quotes for free.
About Malibu, California
Malibu is an incorporated city in Los Angeles County with about 10,500 residents spread over roughly 20 square miles. It has a single ZIP code, 90265, and sits at about 105 feet of elevation. Thousand Oaks is the nearest city over 100,000 people, about 13 miles away.
- County
- Los Angeles County
- Population
- 10,516 (Census est.)
- Major routes
- SR-1
Driving in Malibu: What to Know
SR-1 runs through or near Malibu, and most residents rely on a car, with only about 1% of workers using public transit. Just 53% of workers drive alone, well below the state's 67%, partly because about 39% work from home compared with 15% statewide. About 71% of households own two or more vehicles, so many families insure more than one car. If you work from home, tell your insurer how few miles you actually drive, since low mileage can lower your rate.
State highways through or near Malibu:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Malibu
The nearest DMV office is Thousand Oaks DMV at 1810 Avenida De Los Arboles, Thousand Oaks, CA 91362, about 14 miles away.
Nearest DMV: Thousand Oaks
1810 Avenida De Los Arboles, Thousand Oaks, CA 91362
About 13.7 miles from Malibu
California Car Insurance Rules for Malibu Drivers
California's minimum liability limits are 30/60/15, but those limits cover other people and their property, not your own car. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores and gender cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Malibu ZIP Codes and Nearby Areas
ZIP codes in Malibu:
Nearby cities and communities:
More About Malibu
Malibu stretches along the Pacific Coast Highway with mountains on one side and the ocean on the other, and the beaches and canyons here are the real draw. Some highlights:
- Malibu Pier and Surfrider Beach. The historic pier juts out over the water beside one of Southern California's most famous surf breaks, with a great view of the coastline from the end.
- Point Dume. Walk up the bluff at Point Dume State Preserve for sweeping ocean views, and keep an eye out for migrating gray whales in winter.
- Malibu Creek State Park. Hike through the Santa Monica Mountains to a swimmable rock pool, and see the old outdoor set where the TV series M*A*S*H was filmed.
- Adamson House. This Spanish Colonial Revival home beside the lagoon is covered in colorful Malibu tile and sits next to the museum that tells the area's history.
Malibu Car Insurance FAQ
Does working from home lower my car insurance in Malibu?
It can, because annual mileage is one of the top factors insurers must weigh. About 39% of Malibu workers work from home, so many drivers may qualify for lower mileage estimates.
Is comprehensive coverage worth it in Malibu given local theft?
Malibu police reported 7 vehicle thefts in 2025, or 0.7 per thousand people, versus 3.2 statewide. Comprehensive coverage still pays for theft, fire, flood and vandalism, so it is worth considering for your own car.
Where do I go for DMV services near Malibu?
The closest office is Thousand Oaks DMV, about 14 miles away. If you need an SR-22 filed after a DUI, uninsured driving or a suspension, your insurer sends the form to the DMV.