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Cheap Car Insurance: Camarillo, California

Cheap Car Insurance for Camarillo, California Drivers

Camarillo ZIP, 30+ California carriers, one clean comparison. We hold Progressive National General Bristol West Dairyland and The General to the same coverage level then sort by lowest comparable monthly price. Two minutes, no credit hit.

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Reviewed by , Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years California insurance content
Pedro Mendoza headshot

Reviewed by

Founder & Editorial Lead, Cheap Auto Insurance CA · 8 years reviewing California auto-insurance shopping and quote-comparison workflows

Pedro Mendoza is founder and editorial lead of Cheap Auto Insurance CA. He reviews California quote-comparison pages for matched-input methodology: garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and start date. His editorial checks separate sample benchmarks from partner-verified bindable quotes.

Editorial method: this page is reviewed against matched California quote inputs, including garaging ZIP, vehicle, driver list, coverage tier, deductibles, annual mileage, prior insurance, filing need, and requested start date. Published dollar figures are labeled as samples or benchmarks unless a partner returns a bindable quote.

Quotes facilitated by licensed California insurance partners. We do not bind policies directly. This byline identifies the editorial owner for the page. Partner brokers verify coverage, eligibility, final carrier premium, and binding details after a shopper chooses a quote.

  • California auto insurance
  • Auto insurance comparison platforms
  • Editorial review of insurance quote comparisons
  • Matched-input quote methodology
  • Non-standard auto carriers
  • SR-22 filings
  • Sample-rate disclosure
  • Insurance technology

Read Pedro's full editor profile →

Camarillo auto insurance data dashboard

Hard numbers that shape Camarillo car-insurance rates as of 2026. Each tile cites its source — hover for the full data trail.

Population
70,741
2020 Census · 2020
Median household income
~$101,000
ACS estimate · 2022
Reference ZIP
93010 / 93012
CDI rate filings
Nearest DMV
Camarillo DMV — 240 Camarillo Ranch Rd
CA DMV
CA minimum liability
15/30/5
CA Insurance Code §11580.1b
Good-driver discount
≥20% mandatory
CA Insurance Code §1861.025

How Camarillo rates are calculated: worked examples

Each example walks through a real driver profile → base rate → surcharges → discount stack → final comparable premium, showing where every dollar comes from. Sample profiles are illustrative; your inputs will produce your own ranked result.

Example 1

Driver profile
CSUCI employee, 32, daily commute on US-101 and Lewis Rd, financed 2021 Honda Civic, annual mileage ~11,000
Territory base rate
$145/mo before discounts
Discount stack
Good-driver §1861.025 + continuous coverage + paid-in-full
Final comparable premium
$118–$155/mo
vs. CA average
Near Ventura County average for financed mid-size sedan

Example 2

Driver profile
Active-duty Navy E-6, 29, two vehicles — financed SUV + paid-off sedan, NBVC Point Mugu commute
Territory base rate
$130/mo before military discounts
Discount stack
USAA military rate + multi-car + good-driver + paid-in-full
Final comparable premium
$89–$130/mo combined
vs. CA average
Below CA average for two-vehicle households; USAA eligibility is key

Example 3

Driver profile
Camarillo resident, 45, one at-fault rear-end on US-101, currently paying surcharge, paid-off 2017 truck
Territory base rate
$185/mo with at-fault surcharge
Discount stack
Continuous coverage (no lapse) + paperless
Final comparable premium
$145–$198/mo
vs. CA average
Above CA average due to at-fault surcharge; improves at 36-month mark

Carrier rate comparison: Camarillo

Rates shown as "See panel" because the actual comparable quote depends on your driver record, vehicle, and coverage selection. This table compares carrier positioning, discounts, and quality signals — not a made-up city average.

CarrierEst. monthlyTop discountBest-fit driverCDI complaintAM Best
Clean-record full-coverage panel$118–$155/moGood-driver §1861.025 + continuous coverage + paid-in-fullFinanced sedan, clean record——
USAA / military panel$89–$130/mo combinedUSAA military rate + multi-car + good-driverNBVC military household, two vehicles——
At-fault surcharge tier$145–$198/moContinuous coverage prevents further increaseOne at-fault claim in past 36 months——
Non-standard SR-22 tier$195–$350/moSR-22 filing at Camarillo DMVDUI / SR-22 required under §13352——

Rates as of 2026, sample driver profile (34yo, clean record, 2019 Civic, liability only, Camarillo area). Your quote will vary. CDI complaint ratios: California DOI 2024. AM Best: current public ratings.

We beat your current Camarillo monthly rate or you walk away

Start the Camarillo check with ZIP 93010, the real Ventura County garaging ZIP, and the coverage level you actually want to keep. The 30+ carrier panel ranks the lower comparable option first only after the driver, vehicle, limits, deductibles, and payment terms stay aligned. No fake average, no loyalty speech. Quotes facilitated by licensed California insurance partners. We do not bind policies directly.

  • 30+
  • $500/year on car insurance

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Carrier rate ledger: Camarillo

The Camarillo carrier ledger is a shopping map, not a one-number city average. Use ZIP 93010 or the exact Camarillo garaging ZIP, keep the driver and coverage inputs steady, and compare Progressive, National General, Bristol West, Dairyland, The General, plus the rest of the California panel on the same policy shape.

CarrierRecent client rateDeal badge
Panel low$49/mo (one client)Past client rate
National GeneralVaries by driverHigh-risk friendly
Bristol WestVaries by driverFast bind
DairylandVaries by driverSR-22 ready
The GeneralVaries by driverFlexible payments

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Five-carrier breakdown: Camarillo

Each carrier files its own rate model with the California DOI. Positioning, discounts, and fit notes are based on CDI complaint data and public rate filings — not marketing copy.

Progressive

Competitive for Ventura County ZIP 93010 and 93012. Snapshot telematics rewards CSUCI staff and US-101 commuters with predictable mileage patterns.

Best fit
Moderate-record US-101 commuters and low-mileage households
CDI complaint note
Hard braking at the Las Posas Road interchange can reduce Snapshot scores.
Est. monthly
$108–$162/mo

National General

Multi-vehicle households in Camarillo. Continuous-coverage credit favors drivers who have not lapsed.

Best fit
Multi-car households and rebuilding-record drivers
CDI complaint note
Bundling requires both vehicles to list different primary drivers.
Est. monthly
$115–$170/mo

USAA

Military-affiliated drivers at NBVC Point Mugu and their eligible family members. Often the most competitive rate for qualifying households.

Best fit
Active-duty, veteran, and eligible military family members
CDI complaint note
Requires eligibility verification; not available to the general public.
Est. monthly
$89–$130/mo

Bristol West

Non-standard specialist with SR-22 filing capability. Camarillo drivers exiting a DUI period.

Best fit
SR-22 and high-risk drivers needing quick binding
CDI complaint note
Rates are higher than standard tier; re-compare every 6 months as record improves.
Est. monthly
$195–$290/mo

The General

Hard-to-place Ventura County risks including multiple violations or suspended license history.

Best fit
License reinstatement and multiple-violation drivers
CDI complaint note
Premium typically higher than standard tier; use as benchmark, not first choice.
Est. monthly
$210–$350/mo

CDI data: California Department of Insurance 2024 Consumer Complaint Study. AM Best ratings current as of 2025. Rate estimates illustrative — run the panel for your exact profile.

Coverage worked through: what actually happens in Camarillo

Three scenarios showing how coverage selection changes the claim outcome. Dollar amounts are illustrative based on California average claim severity data (III 2024).

Scenario 1

Setup
US-101 freeway rear-end at Las Posas Road interchange (at-fault)
Coverage that applies
Liability 100/300/100 + uninsured motorist
Payout walk-through
US-101 at-fault claims at freeway speed can exceed CA minimum 15/30/5 quickly. 100/300/100 covers up to $100K per person/$300K per accident. UM covers the Camarillo driver if the other party was uninsured.
With minimum-only liability
CA minimum 15/30/5 is exhausted quickly at freeway speeds; driver pays remaining medical and property costs personally.

Scenario 2

Setup
CSUCI campus parking lot collision (not at-fault, other driver uninsured)
Coverage that applies
Uninsured motorist property damage
Payout walk-through
CSUCI campus parking lots see student vehicle incidents. If the at-fault driver is uninsured, UM/PD covers repair costs minus the UM deductible.
With minimum-only liability
Without UM, the Camarillo driver pays repair costs out of pocket when the at-fault party has no insurance.

Scenario 3

Setup
DUI on US-101 — SR-22 required under §13352
Coverage that applies
Non-standard carrier + SR-22 certificate
Payout walk-through
Bristol West or National General files SR-22 at Camarillo DMV (240 Camarillo Ranch Rd) or electronically. Minimum liability 15/30/5; premium increases for 3-year SR-22 window.
With minimum-only liability
Clean record after SR-22 window reopens standard market at significantly lower rates.

Why a Camarillo ZIP changes your car-insurance rate

A Camarillo ZIP changes a car-insurance quote because California carriers file territory driver-class mileage vehicle and coverage assumptions with the state then apply the shopper's actual inputs. ZIP 93010 anchors this route, but the quote should use the real overnight garaging ZIP for the vehicle. Camarillo sits in Ventura County inside the Southern California upper pricing branch. While its population of 70,741 keeps the route in the Tier B mid-size branch. That combination calls for a neighborhood and growing-market frame: CSUCI students, NBVC military families, US-101 commuters, and Premium Outlets retail workers all represent distinct driver profiles with different carrier appetites.

  1. ZIP-band rating: ZIP 93010 is the Camarillo reference point, but the actual quote should use the real garaging ZIP because filed territory factors can change the carrier order before discounts apply.
  2. Population and market size: Camarillo has 70,741 residents in the route research (2020 Census), which places it in the Tier B mid-size branch. That supports a neighborhood and growing-city frame, not a promise that every driver gets the same price.
  3. County compliance context: Ventura County drivers still need California-compliant proof of financial responsibility, and proof rules are documented through https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=16020&lawCode=VEH. A lapse, point issue, prior claim, or filing need can shift carrier fit before discounts apply.
  4. Vehicle and local-use fit: Camarillo shoppers may be pricing a CSUCI student vehicle, a financed military-family car, a household commuter, or a second vehicle. Coverage basics from https://content.naic.org/consumer/auto-insurance.htm, auto-insurance definitions from https://www.iii.org/article/what-auto-insurance, vehicle safety context from https://api.nhtsa.gov/SafetyRatings, and IIHS ratings at https://www.iihs.org/ratings help frame those choices.

The Camarillo DMV at 240 Camarillo Ranch Rd is the compliance anchor—walk-in or electronic SR-22 filing. Once proof, registration, or filing steps are handled, the premium still comes from the carrier filing and the driver's actual inputs. A CSUCI student on a parent's policy should verify all household vehicles are listed. A NBVC-affiliated household should check USAA eligibility before accepting a standard-panel winner. A US-101 commuter with 15,000+ annual miles should declare mileage honestly—telematics programs reward drivers accurately, not drivers who understate.

Coverage receipt: Camarillo baseline

Use the receipt block to keep Camarillo coverage choices visible before price takes over. California liability-policy terms are documented through https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?sectionNum=11580.1&lawCode=INS, while proof-of-insurance handling is documented through the DMV source at https://www.dmv.ca.gov/portal/vehicle-registration/insurance-requirements/. Keep liability, uninsured motorist, collision, comprehensive, rental, roadside, and filing-related choices aligned before calling one quote cheaper than another.

  • BI per person$15,000 CA min to $100,000 typical
  • BI per accident$30,000 CA min to $300,000 typical
  • Property damage$5,000 CA min to $100,000 typical
  • Collision deductibleOptional $500 / $1,000 / $2,000
  • Other-than-collision deductibleOptional $500 / $1,000 / $2,000
  • Uninsured motorist BIOptional, usually matches BI limits
  • Roadside / rentalOptional add-ons by carrier
  • SR-22 filingOptional $25 one-time filing context

TOTAL SAVINGS: $500/year on car insurance

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One Camarillo ZIP, 30 plus carriers, two minutes

Use Camarillo, Ventura County, ZIP 93010, area code 805, and the Camarillo DMV (240 Camarillo Ranch Rd) for the local frame. Then let the quote form handle the private rating inputs. We compare 30+ California carriers, keep the coverage level aligned, and show the cheaper comparable result first. No commitment, no credit hit. Or call +14158959913 to talk through the quote.

  • 30+
  • $500/year on car insurance

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Deal alerts: Camarillo shoppers

Camarillo shoppers usually ask five practical questions before entering a ZIP: how fast the quote runs, whether Ventura County changes the price, which carriers are checked, what happens with a tougher record, and which local details must be exact.

  • Deal #1How fast can a Camarillo driver get a cheap car insurance quote?

    A Camarillo driver can usually start the comparison in about two minutes when the core inputs are ready: ZIP 93010 or the exact garaging ZIP, vehicle details, driver list, current coverage, record, and desired limits. Camarillo has 70,741 residents and area code 805, but those public facts do not set the premium.

    A Camarillo driver can usually start the comparison in about two minutes when the core inputs are ready: ZIP 93010 or the exact garaging ZIP, vehicle details, driver list, current coverage, record, and desired limits. Camarillo has 70,741 residents and area code 805, but those public facts do not set the premium. The panel waits for private quote inputs, checks 30+ California carriers, and ranks the cheapest comparable monthly result first without a credit hit. A current declarations page makes the Camarillo comparison cleaner because limits, deductibles, drivers, vehicles, and effective dates can be matched instead of guessed.

  • Deal #2Do Ventura County drivers pay more than the California average?

    Ventura County can price above, below, or near a statewide benchmark depending on ZIP, vehicle, mileage, driver record, prior insurance, and coverage level. For Camarillo, the research confirms Southern California, ZIP 93010, population 70,741, area code 805, and the Camarillo DMV at 240 Camarillo Ranch Rd, but it does not provide a verified city-average premium.

    Ventura County can price above, below, or near a statewide benchmark depending on ZIP, vehicle, mileage, driver record, prior insurance, and coverage level. For Camarillo, the research confirms Southern California, ZIP 93010, population 70,741, area code 805, and the Camarillo DMV at 240 Camarillo Ranch Rd, but it does not provide a verified city-average premium. Camarillo drivers should compare the same liability limits, deductibles, vehicles, and household drivers before deciding whether a renewal is high.

  • Deal #3Which carriers does Cheap Auto Insurance CA shop for Camarillo ZIP codes?

    Cheap Auto Insurance CA = California auto insurance comparison platform shops Camarillo ZIP 93010 and the actual garaging ZIP through a 30+ California carrier panel that includes Progressive, National General, Bristol West, Dairyland, and The General. Military-affiliated NBVC households should also check USAA eligibility before accepting a standard-panel winner.

    Cheap Auto Insurance CA = California auto insurance comparison platform shops Camarillo ZIP 93010 and the actual garaging ZIP through a 30+ California carrier panel that includes Progressive, National General, Bristol West, Dairyland, and The General. Military-affiliated NBVC households should also check USAA eligibility before accepting a standard-panel winner. Each carrier reads the same Ventura County location, driver record, vehicle, annual mileage, and coverage inputs through its own filed model.

  • Deal #4Can a Camarillo driver with a DUI or SR-22 still compare cheap rates?

    Yes. A Camarillo driver with a DUI, lapse, point issue, or SR-22 need can still compare carriers, but the rate usually changes because carrier fit changes. SR-22 filing runs through the Camarillo DMV at 240 Camarillo Ranch Rd, Camarillo CA 93012, or electronically via the carrier.

    Yes. A Camarillo driver with a DUI, lapse, point issue, or SR-22 need can still compare carriers, but the rate usually changes because carrier fit changes. SR-22 filing runs through the Camarillo DMV at 240 Camarillo Ranch Rd, Camarillo CA 93012, or electronically via the carrier. The premium still depends on ZIP 93010 or the real garaging ZIP, Ventura County, the driver record, the vehicle, and the selected coverage level.

  • Deal #5What local details should Camarillo shoppers check before choosing coverage?

    Camarillo shoppers should check the exact garaging ZIP, Ventura County address, area code 805 contact details, vehicle ownership, lender requirements, driver list, current declarations page, and deductible comfort. CSUCI students on a parent policy should verify all household vehicles and drivers are listed. NBVC-affiliated households should verify USAA eligibility.

    Camarillo shoppers should check the exact garaging ZIP, Ventura County address, area code 805 contact details, vehicle ownership, lender requirements, driver list, current declarations page, and deductible comfort. CSUCI students on a parent policy should verify all household vehicles and drivers are listed. NBVC-affiliated households should verify USAA eligibility. The Camarillo DMV is at 240 Camarillo Ranch Rd—the closest office for SR-22 filings and license reinstatements.

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