GEICO offers the lowest car insurance rates in Oxnard, with average annual premiums of $558 for minimum coverage and $1,220 for full coverage. Progressive, AAA and State Farm also offer competitive rates in the city.
Car Insurance in Oxnard
Updated: August 1, 2025
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Key Takeaways
Oxnard's cheapest car insurance companies are GEICO, Progressive and AAA, with rates up to 36% lower than the city average.
Monthly car insurance costs in Oxnard average $152 for full coverage and $73 for minimum coverage.
Find the best cheap auto insurance in Oxnard by comparing quotes from multiple sources and choosing coverage that fits your needs.
Who Has the Cheapest Car Insurance in Oxnard?
| GEICO | $46 | $102 | -36% |
| Progressive | $55 | $105 | -30% |
| AAA | $58 | $125 | -20% |
| State Farm | $68 | $148 | -6% |
| Wawanesa | $74 | $143 | -6% |
Cheapest Oxnard Car Insurance by Category
GEICO offers the cheapest rates for seven driver categories in Oxnard. AAA ranks most affordable for drivers with old cars, while State Farm wins for those with newer vehicles.
| Young Drivers | GEICO | $94 |
| Adult Drivers | GEICO | $46 |
| Senior Drivers | GEICO | $50 |
| Drivers With an Accident | GEICO | $82 |
| Drivers With a DUI | GEICO | $112 |
| Drivers With a Speeding Ticket | GEICO | $70 |
| Drivers With Bad Credit | GEICO | $89 |
| Drivers With Newer Cars | State Farm | $48 |
| Drivers With Old Cars | AAA | $37 |
Compare the Cheapest Oxnard Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Check the table below to find which companies offer the lowest rates for drivers like you.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| Geico | $46 | $558 | -38% |
| Progressive | $55 | $662 | -26% |
| AAA | $58 | $702 | -22% |
| State Farm | $68 | $815 | -9% |
| Farmers | $73 | $877 | -2% |
Best Car Insurance Companies in Oxnard
The best car insurance companies in Oxnard are Progressive, GEICO, AAA, Travelers and State Farm. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 92 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| AAA | 82 | 3 | 5 | 7 |
| Travelers | 79 | 7 | 2 | 4 |
| State Farm | 78 | 4 | 4 | 7 |
Progressive: Best Overall Insurance Provider
pros
Strong coverage options available
High customer satisfaction ratings
Competitive rates across driver types
cons
Higher rates than some competitors
Limited discounts for young drivers
COMPANY HIGHLIGHTS
Progressive ranks first among Oxnard car insurance providers with strong performance across all categories. The company stands out for its extensive coverage options and positive customer feedback. Progressive maintains competitive rates while offering strong policy customization options. Its comprehensive coverage choices help drivers find the right protection level for their needs.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Oxnard
Many driver discounts available
Simple claims process
cons
Limited coverage customization
Lower customer service ratings
COMPANY HIGHLIGHTS
GEICO offers the most affordable car insurance rates in Oxnard. The company ranks as the cheapest option for multiple driver categories, including adult drivers, seniors, and young drivers. GEICO also provides the lowest rates for drivers with incidents like speeding tickets or accidents. While customer service ratings are lower than some competitors, GEICO's straightforward claims process and competitive pricing make it an attractive option for budget-conscious drivers.
How Much Is Car Insurance in Oxnard?
In Oxnard, minimum coverage costs about $73 per month or $879 per year, ranking 1,130th out of all California cities for affordability. Full coverage averages $152 monthly or $1,820 annually, ranking 1,092nd among California cities.
| Full Coverage | $152 | $1,820 |
| Minimum Coverage | $73 | $879 |
Oxnard Car Insurance Cost by Category
In Oxnard, monthly coverage costs vary from $59 to $369 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $131 | $266 |
| Adult Drivers | $73 | $152 |
| Senior Drivers | $86 | $169 |
| Drivers With an Accident | $117 | $240 |
| Drivers With a DUI | $180 | $369 |
| Drivers With a Speeding Ticket | $106 | $220 |
| Drivers With Bad Credit | $165 | $348 |
| Drivers With Newer Cars | $78 | $160 |
| Drivers With Old Cars | $59 | $121 |
Oxnard Car Insurance Costs by ZIP Code
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.
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ZIP Code:93030
| 93030 | $62 | $134 |
Compare Personalized Oxnard Car Insurance Costs
Since your profile may not match our basic rate breakdowns, use the table below to filter Oxnard car insurance rates by your age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $70 | $840 | 13% |
How to Get the Best Cheap Oxnard Car Insurance
Finding affordable car insurance in Oxnard isn't easy, with local rates typically higher than the California average and numerous coverage options to sort through. Our step-by-step guide will show you proven ways to lower your premiums while maintaining the right coverage for your needs.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your situation in Oxnard. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation based on your specific circumstances.
- 2
Explore different insurance types
Look into various types of car insurance to find the best fit. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Non-owner insurance might be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Oxnard to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Compare rates from different providers against these averages to ensure you're getting competitive pricing.
- 4
Check available discounts
Look into every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer savings for good driving records, safety features, and paying your premium in full.
- 5
Research company reliability
Check customer reviews and financial strength ratings for insurance companies serving Oxnard. Look for insurers with strong claims-handling reputations and good customer service ratings. A slightly higher premium from a reliable company often provides better value than the cheapest option.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Each company uses different factors to set rates, so comparing multiple quotes helps ensure you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Your rates might change based on your driving record, credit score, or policy changes. Shopping around each year helps ensure you maintain the best rates and appropriate coverage for your current situation.
Cheapest Car Insurance in Oxnard: Bottom Line
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.
Cheap Oxnard Car Insurance: FAQ
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.
What is the cheapest car insurance company in Oxnard, California?
GEICO offers the lowest rates in Oxnard, with average annual premiums of $558 for minimum coverage and $1,220 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Oxnard?
Progressive leads Oxnard's car insurance market with a MoneyGeek score of 92 out of 100, scoring 5 points higher than GEICO. Progressive delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Oxnard?
In Oxnard, drivers pay $1,820 annually for full coverage and $879 for minimum coverage car insurance. Your actual rates will vary based on individual factors.
Is car insurance in Oxnard expensive?
Car insurance in Oxnard costs more than average, ranking 1,130th for minimum coverage affordability and 1,092nd for full coverage among California cities.
How We Chose the Best and Cheapest Car Insurance in Oxnard, CA
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): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- 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 across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed July 9, 2025.