Car Insurance in Oxnard

GEICO offers the cheapest rates for most driver categories in Oxnard. Young drivers pay the highest premiums at $1,131 per year with GEICO, while adult drivers with clean records get the lowest rates at $558 annually.

Senior drivers pay $605 per year, roughly 8% more than adults. Drivers with a speeding ticket see their rates increase to $836 annually, while those with an at-fault accident pay $989 per year.

Oxnard's coastal location and proximity to Highway 101 contribute to moderate insurance costs compared to inland California cities. The city's traffic patterns along major corridors like Ventura Road and Rose Avenue, combined with beach parking lot incidents, influence how insurers price policies for local drivers.

GEICO dominates Oxnard's insurance market with minimum coverage at $558 per year, a full 36% lower than the city average of $879. Full coverage through GEICO runs $1,220 annually, compared to the city average of $1,820.

Progressive comes in as a close second with full coverage rates of $1,262 per year. AAA provides another competitive option for drivers seeking affordable rates in Oxnard.

As Ventura County's largest city, Oxnard benefits from competitive insurance markets with multiple carriers actively writing policies. The city's mix of agricultural traffic, port-related commercial vehicles and residential commuters creates unique rating considerations that favor drivers who compare quotes from several insurers.

Young drivers under 25 pay the highest insurance rates in Oxnard, while adult drivers get the best deals. GEICO provides the cheapest coverage for young drivers at $1,131 annually.

Adult drivers pay $558 per year with GEICO, saving $573 compared to young drivers. Senior drivers also get their best rates from GEICO at $605 annually, just 8% more than adult premiums.

The significant discount for experienced drivers reflects Oxnard's demographics, where adults familiar with navigating the harbor district and downtown present lower risk. Young drivers new to handling the city's busy intersections near the Collection shopping center and coastal roads face steeper premiums until they establish safe driving histories.

Clean driving records earn the lowest rates in Oxnard, with GEICO charging just $558 per year. A speeding ticket increases your premium to $836 annually with GEICO, a 50% jump from clean driving rates.

An at-fault accident raises costs to $989 per year, while a DUI pushes premiums to $1,345 annually. Drivers with violations can expect to pay 50% to 141% more than those with clean records.

California's strict traffic enforcement along Highway 101 through Oxnard means violations stay on your record for three to five years. The city's active DUI checkpoints and automated enforcement at key intersections make maintaining a clean driving record essential for keeping insurance affordable.

Progressive earned the highest overall score in Oxnard with a rating of 91.9 out of 100. The company combines competitive pricing with strong customer service and reliable claims handling.

GEICO ranks second with a score of 87.12, offering excellent value for budget-conscious drivers. Both companies maintain solid financial stability ratings and low complaint ratios with state regulators.

Car insurance in Oxnard costs an average of $73 per month for minimum coverage and $152 per month for full coverage. These rates sit slightly below California's state average, making Oxnard a moderately affordable market.

GEICO's rates of $46 monthly for minimum coverage demonstrate how shopping around can cut costs. Your final premium depends on your age, driving record and coverage choices.

In Oxnard, car insurance rates by ZIP code range from $61 to $174 per month. ZIP code 93035 is the most affordable, while 93033 costs the most. Check average rates for your ZIP code below.

Finding affordable car insurance in Oxnard isn't easy, with local rates higher than the California average and numerous coverage options to sort through. These strategies lower your premiums while maintaining the right coverage for your needs.

Car insurance rates in Oxnard depend on your driving record, vehicle and coverage choices. While GEICO and Progressive offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.

Our research team answers your questions about finding affordable car insurance in Oxnard. We break down coverage options and costs to help you get the protection you need at the best possible rates.

To help Oxnard drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.

Oxnard Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Oxnard

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in California are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to the competition.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences.
• Coverage options (10% of score): We evaluate the number of coverage options a provider offers and unique benefits.