Thousand Oaks drivers can compare car insurance quotes from multiple California carriers, in a city where vehicle theft runs far below the state average.
How Much Does Car Insurance Cost in Thousand Oaks?
Prop 103 says your driving record, annual mileage and years of experience count most, and a short commute of about 25 minutes can help keep mileage down. Theft is also low here, at about 0.5 vehicles per thousand people in 2025 compared with 3.2 statewide, which can matter for the comprehensive part of your price.
| Factor | Thousand Oaks | California |
|---|---|---|
| Average commute | 25 min | 29 min |
| Homes with 2+ cars | 69% | 63% |
| Car thefts per 1,000 | 0.5 | 3.2 |
| ZIP codes | 4 |
Why Thousand Oaks Drivers Compare Quotes With A1
Carriers weigh the same factors differently, so the same Thousand Oaks driver can get quite different quotes from company to company. Because A1 isn’t tied to one insurer, it shops several California carriers for you, and the quote costs nothing.
About Thousand Oaks, California
Thousand Oaks is an incorporated city in Ventura County with about 125,700 people spread over roughly 55 square miles. It sits at about 886 feet in elevation and uses ZIP codes 91320, 91360, 91361 and 91362. Nearby communities include Westlake Village, Oak Park and Moorpark, and Simi Valley is the closest city over 100,000 people, about 9 miles away.
- County
- Ventura County
- Population
- 125,676 (Census est.)
- Major routes
- US-101, SR-23
Driving in Thousand Oaks: What to Know
Most residents drive alone to work, about 67%, which is nearly the same as the state average. Public transit is used by under 1% of workers, so a car is the main way to get around. About 21% work from home, well above the state's 15.5%, which can mean fewer commuting miles for many households. US-101 and SR-23 run through or near the city, so highway driving is a regular part of life, and it makes sense to look closely at your liability limits and collision coverage.
State highways through or near Thousand Oaks:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Thousand Oaks
The nearest DMV office is Thousand Oaks DMV at 1810 Avenida De Los Arboles, Thousand Oaks, CA 91362, about 2 miles away.
Nearest DMV: Thousand Oaks
1810 Avenida De Los Arboles, Thousand Oaks, CA 91362
About 2.1 miles from Thousand Oaks
California Car Insurance Rules for Thousand Oaks Drivers
California's minimum liability is 30/60/15, meaning $30,000 per person and $60,000 per accident for injury, plus $15,000 for property damage. 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
Thousand Oaks ZIP Codes and Nearby Areas
ZIP codes in Thousand Oaks:
Nearby cities and communities:
More About Thousand Oaks
Set in the Conejo Valley between the Santa Monica Mountains and rolling oak-dotted hills, Thousand Oaks mixes open space with a polished suburban downtown. Here’s what locals love:
- Wildwood Regional Park. Miles of trails wind through oak woodland and rocky canyons, leading to Paradise Falls, a favorite destination for a spring hike.
- Satwiwa and Rancho Sierra Vista. This part of the Santa Monica Mountains National Recreation Area has open trails and the Satwiwa Native American Indian Culture Center, which honors the area's Chumash heritage.
- Civic Arts Plaza. The Thousand Oaks Civic Arts Plaza hosts concerts, theater and community events at the Kavli Theatre and other venues, right in the center of town.
- Conejo Valley Days. A hometown festival with a carnival, live music and Western-style fun that has brought neighbors together for decades.
Thousand Oaks Car Insurance FAQ
Is car insurance cheaper in Thousand Oaks because theft is low?
Low theft can help, since the city's rate of about 0.5 per thousand people is far under the state's 3.2. Your driving record, mileage and experience still count most under Prop 103.
Does working from home change my car insurance?
It can, because annual mileage is one of the main rating factors. About 21% of Thousand Oaks workers work from home, so tell carriers honestly how much you actually drive.
Do I need more than minimum coverage here?
The 30/60/15 minimum is the legal floor, but it does not cover your own car. With about 69% of households owning two or more vehicles, many drivers add comprehensive and collision to protect what they own.