Updated: December 29, 2025
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Oxnard drivers can get affordable minimum coverage through GEICO for just $46 monthly, while the same insurer also provides the city's cheapest full coverage at $102 per month or $1,220 annually. These premiums apply to drivers with clean records.
Age and driving history strongly affect which provider gives you the lowest premium, so requesting quotes from multiple carriers shows your best available rate.
| Geico | $102 | $46 | -36% |
| Progressive | $105 | $55 | -30% |
| AAA | $125 | $58 | -20% |
| State Farm | $148 | $68 | -6% |
| Wawanesa Insurance | $143 | $74 | -6% |
California's statewide average sits at $61 monthly for minimum coverage and $131 for full coverage. Oxnard residents pay higher rates at $73 for minimum coverage and $152 monthly for full coverage. The city's heavy traffic congestion leads to more frequent accidents. Certain vehicle models also experience higher theft rates than elsewhere in the state.
These urban challenges, combined with local coverage requirements, drive Oxnard's premiums above the California average. Getting quotes from several insurers helps drivers find competitive options.
| $152 | $131 |
Read More: The cheapest car insurance in California
The gap between what young and experienced drivers pay shows how much age shapes car insurance costs in Oxnard. Young drivers pay high premiums at $209 monthly on average, while adults pay $125 and seniors pay $130. Limited driving experience and higher accident rates make insurers view young drivers as their riskiest customers.
Cheapest Oxnard car insurance by age:
Once drivers establish experience, age matters less in pricing decisions. The modest difference between adult and senior rates shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.
Young drivers in Oxnard pay higher car insurance rates than any other age group. GEICO offers the lowest full coverage price at $191 per month or $2,297 annually. Insurers charge more for drivers ages 16 to 25 because they have less time behind the wheel and show higher accident and violation rates than older drivers.
Across Oxnard’s five cheapest insurers, young drivers average $209 per month compared to $125 for adults. Choosing GEICO instead of Progressive at $230 per month saves young Oxnard drivers $39 each month. Adding a young driver to a family policy usually costs less than separate coverage, though rates remain elevated until age 25.
Note: Teen drivers under 18 may have additional legal requirements and restrictions that vary by state. Consult your insurance provider about specific requirements for minor drivers.
| Geico | $191 | $2,297 |
| Wawanesa Insurance | $197 | $2,368 |
| State Farm | $206 | $2,475 |
| AAA | $222 | $2,666 |
| Progressive | $230 | $2,755 |
Oxnard seniors benefit from decades of driving experience and often maintain clean records, helping them get competitive rates like GEICO's $108 monthly or $1,301 annually for full coverage. While some insurers slightly increase premiums for drivers over 70 due to reaction time concerns, the impact remains modest.
Across the five cheapest insurers, Oxnard seniors average $130 monthly, just $5 more than the $125 adult average, showing insurers value experienced drivers. Choosing GEICO over Wawanesa Insurance at $142 monthly saves Oxnard seniors $34 each month. Additional savings opportunities include defensive driving courses and low-mileage discounts for those driving fewer than 7,500 miles annually.
| Geico | $108 | $1,301 |
| State Farm | $127 | $1,529 |
| Progressive | $128 | $1,537 |
| AAA | $142 | $1,707 |
| Wawanesa Insurance | $142 | $1,709 |
Adults between ages 26 and 64 benefit from Oxnard's most competitive insurance rates because they blend extensive driving experience with lower accident involvement than younger and older drivers.
GEICO leads the market at $102 monthly or $1,220 annually for full coverage, while the average across Oxnard's five cheapest insurers hits $125 monthly. This marks the lowest premium category of any age group in the city.
Adults save $46 monthly by choosing GEICO over State Farm's $148 rate, the fifth cheapest option. Maintaining clean driving records and bundling policies can reduce premiums further.
| Geico | $102 | $1,220 |
| Progressive | $105 | $1,262 |
| AAA | $125 | $1,505 |
| Wawanesa Insurance | $143 | $1,713 |
| State Farm | $148 | $1,773 |
Car insurance violations in Oxnard create major cost increases, with rates jumping from GEICO's $46 monthly for clean records to $70 for speeding tickets and $112 for DUIs through the same insurer. The financial impact becomes clear when you look at averages across the five cheapest providers. Clean drivers pay around $60 monthly, while those with speeding tickets pay $85, at-fault accidents cost $91, and DUI convictions reach $127.
These violations signal different risk levels to insurers, explaining the sharp price differences. At-fault accidents push premiums higher because you've already caused property damage or injuries, proving you're a claims risk to insurers. Speeding tickets create smaller increases since they show risky behavior without actual crash involvement.
DUIs trigger the largest increases by combining dangerous conduct with legal consequences, placing you in the highest-risk category and often requiring SR-22 filing for license reinstatement.
| Geico | $112 | $1,345 |
| Farmers | $124 | $1,484 |
| Progressive | $125 | $1,500 |
| Mercury Insurance | $131 | $1,572 |
| Auto Owners | $142 | $1,707 |
The most expensive area, ZIP code 93033, costs $174 monthly while the cheapest option in ZIP 93035 runs just $61. Car insurance rates across Oxnard's ZIP codes span this wide range, so check the table below to see what you'll pay in your specific area.
For Oxnard's three most populated ZIP codes, minimum coverage costs vary considerably. ZIP code 93030 averages $134 monthly, 93033 hits $174, and 93036 comes in at $166. Local risk factors drive these differences, including accident frequency, theft rates, population density and uninsured driver percentages in each neighborhood.
Use the filter above the table to locate your ZIP code and find your area's average rate.
| 93030 | $62 | $134 |
Smart Oxnard drivers get competitive rates without sacrificing the coverage they need.
Try our car insurance coverage needs calculator for customized advice. This tool analyzes your specific situation to recommend appropriate coverage levels for your Oxnard driving needs.
Familiarize yourself with types of car insurance options in Oxnard. Consider pay-per-mile if you drive infrequently or non-owner coverage if you occasionally borrow cars.
Look up average vehicle insurance costs for your specific Oxnard neighborhood. Local rates vary based on crime statistics, traffic patterns and accident frequency in your zip code.
Explore every car insurance discount insurers offer. Consider bundling multiple policies or getting multi-car discounts. Discounts for safe driving, good grades and security devices add up quickly.
Review company ratings and customer feedback for insurance companies serving Oxnard. Check financial stability scores and complaint ratios to ensure your insurer can handle claims efficiently when you need them most.
Request quotes from multiple carriers in Oxnard, targeting at least three companies. Rates vary between insurers for identical coverage, so comparison shopping ensures you find the most competitive pricing available.
Schedule an annual policy review to stay competitive with current market rates. Life changes, new discounts and shifting insurance markets mean your current policy might not offer the best value anymore.
Want to find affordable coverage in Oxnard? This FAQ offers clear answers about available discounts, state regulations and policy options to help you get coverage within your budget.
GEICO offers the lowest car insurance rates in Oxnard, with minimum coverage costing $552 annually and full coverage priced at $1,224 per year. Your final rate depends on factors like driving history, age and coverage choices.
Progressive ranks first among Oxnard's car insurance providers, earning a MoneyGeek score of 92 out of 100 and outpacing GEICO by five points. The company performs well in both affordability and coverage options.
Car insurance in Oxnard averages $876 annually for minimum coverage and $1,824 for full coverage. Your actual premiums depend on your driving record, age and coverage choices.
Yes, Oxnard has costly car insurance, ranking 1092nd for full coverage and 1130th for minimum coverage affordability among California cities.
Oxnard drivers pay some of California's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Oxnard's unique urban driving conditions. Read More on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
