Camarillo drivers can compare car insurance quotes from several California carriers, and with only 43 vehicle thefts reported in 2025, there is a lot to like about this city's rates.
How Much Does Car Insurance Cost in Camarillo?
Camarillo's theft rate is about 0.6 per thousand people, far below the state average of 3.2, which is good news for the comprehensive part of your premium. Under Prop 103, your driving record, annual mileage and years of experience count most, so those will shape your price more than your ZIP code.
| Factor | Camarillo | California |
|---|---|---|
| Average commute | 23 min | 29 min |
| Homes with 2+ cars | 68% | 63% |
| Car thefts per 1,000 | 0.6 | 3.2 |
| ZIP codes | 2 |
Why Camarillo Drivers Compare Quotes With A1
Each carrier weighs the same Prop 103 factors a little differently, so the same Camarillo driver can see different prices from company to company. A1 is independent and compares quotes from several California carriers, so you fill out one request instead of many.
About Camarillo, California
Camarillo is a city of about 70,000 people spread over roughly 20 square miles in Ventura County, at an elevation of 177 feet. It has two ZIP codes, 93010 and 93012, and US-101, SR-34 and SR-118 run through or near it. Thousand Oaks, the nearest city over 100,000 people, is about 9 miles away.
- County
- Ventura County
- Population
- 70,244 (Census est.)
- Major routes
- US-101, SR-34, SR-118
Driving in Camarillo: What to Know
Most Camarillo commutes are on the short side, at about 23 minutes on average compared with 29 statewide. That ranks the city 23rd out of 24 in Ventura County for commute length. About 75% of workers drive alone, higher than the state's 67%, and only half a percent use public transit. About 16% work from home, so many households put fewer miles on their cars, and low annual mileage can help your rate.
State highways through or near Camarillo:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Camarillo
The nearest DMV office is Santa Paula DMV at 250 W. Harvard Blvd., Suite A, about 9 miles away. That is a real drive for a renewal or license visit, so check whether your task can be done online and book an appointment if you do go.
Nearest DMV: Santa Paula
250 W. Harvard Blvd., Suite A, Santa Paula, CA 93060
About 8.8 miles from Camarillo
California Car Insurance Rules for Camarillo Drivers
With short commutes, the Good Driver Discount matters here. If your record qualifies, you get at least 20% off, so keep it clean. Also tell your carrier honestly about your annual mileage, since lower miles can lower your price.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Camarillo ZIP Codes and Nearby Areas
ZIP codes in Camarillo:
Nearby cities and communities:
More About Camarillo
Camarillo sits in the Oxnard Plain between farm fields and the Santa Monica Mountains, with a relaxed, small-town feel and the Pacific Coast not far away. Don’t miss:
- Camarillo Ranch House. The Victorian home of city namesake Adolfo Camarillo sits among gardens and old ranch grounds, and it's a favorite spot for tours and community events.
- Camarillo Premium Outlets. A big open-air shopping center with a long list of name-brand stores, popular with locals and visitors who come for the bargains.
- Planes at the airport. The Commemorative Air Force Southern California Wing is based at Camarillo Airport, where vintage warbirds are on display for aviation fans.
- CSU Channel Islands. The university's red-tile, Spanish-style campus sits on the grounds of the former state hospital, with Santa Monica Mountains hiking and Point Mugu State Park nearby.
Camarillo Car Insurance FAQ
Does Camarillo's low theft rate mean I can skip comprehensive coverage?
Not necessarily. Comprehensive also covers fire, flood and vandalism, and liability-only does not pay for damage to your own car. If your car is older and worth little, compare the cost of comprehensive against its value.
Will a short commute lower my car insurance in Camarillo?
It can. Annual mileage is one of the top rating factors under Prop 103, and Camarillo's average commute is about 23 minutes. Be sure your quote reflects the miles you actually drive, especially if you work from home some days.
How many cars do Camarillo households usually have, and does that matter for insurance?
About 68% of Camarillo households have two or more vehicles, above the state's 63%. If you insure several cars or drivers, ask for quotes on all of them together so you can see the full picture.