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In Oxnard, GEICO offers the cheapest minimum coverage insurance, while National General has the most affordable policies for full coverage, military families and drivers with violations. Meanwhile, Farmers is the cheapest for teenagers.

Progressive is the best overall insurer in Oxnard, while GEICO is the best cheap insurance provider. Finally, Chubb is the best option for those who prioritize customer service.

Based on your driving profile and requirements, the cheapest and best insurer may be different.

MoneyGeek Logo IconCheapest + BestCar InsuranceOxnard
2023

Cheapest and Best Car Insurance in Oxnard, CA

Cheapest Minimum Liability Car Insurance in Oxnard

For minimum coverage policies in Oxnard, you can find the cheapest options from the following providers:

  • GEICO: $421 per year
  • AAA California: $434 per year

The most expensive premium is from Chubb, costing an average of $739 for a state minimum policy.

Company
Annual Premium
Monthly Premium

State Farm

$415

$35

GEICO

$416

$35

GEICO

$421

$35

AAA California

$434

$36

Mercury

$444

$37

Progressive

$447

$37

Progressive

$453

$38

AAA California

$453

$38

Mercury

$455

$38

Kemper

$495

$41

GEICO

$496

$41

Nationwide

$516

$43

National General

$528

$44

Progressive

$530

$44

Travelers

$531

$44

Travelers

$531

$44

Nationwide

$534

$45

National General

$544

$45

State Farm

$549

$46

AAA California

$553

$46

Mercury

$558

$47

Kemper

$570

$47

State National

$577

$48

Hartford

$586

$49

State National

$594

$49

Travelers

$603

$50

Farmers

$616

$51

State Farm

$628

$52

Farmers

$633

$53

Capital Insurance Group

$636

$53

National General

$652

$54

Capital Insurance Group

$659

$55

Nationwide

$671

$56

Hartford

$675

$56

Allstate

$678

$57

Allstate

$687

$57

State National

$699

$58

Farmers

$719

$60

Allstate

$738

$61

Chubb

$739

$62

Capital Insurance Group

$739

$62

Kemper

$753

$63

Chubb

$761

$63

Hartford

$890

$74

National General

$899

$75

National General

$911

$76

State Farm

$976

$81

Progressive

$1,010

$84

AAA California

$1,012

$84

Progressive

$1,012

$84

GEICO

$1,020

$85

AAA California

$1,023

$85

GEICO

$1,054

$88

Chubb

$1,056

$88

Mercury

$1,078

$90

National General

$1,089

$91

Mercury

$1,100

$92

Nationwide

$1,145

$95

Allstate

$1,192

$99

Progressive

$1,216

$101

GEICO

$1,220

$102

Nationwide

$1,239

$103

State Farm

$1,252

$104

Allstate

$1,254

$104

Hartford

$1,254

$104

State National

$1,286

$107

Capital Insurance Group

$1,315

$110

Kemper

$1,322

$110

AAA California

$1,343

$112

State National

$1,384

$115

Allstate

$1,385

$115

Capital Insurance Group

$1,393

$116

Travelers

$1,429

$119

Mercury

$1,429

$119

Hartford

$1,448

$121

State Farm

$1,462

$122

Farmers

$1,486

$124

Travelers

$1,492

$124

Farmers

$1,517

$126

Capital Insurance Group

$1,567

$131

Nationwide

$1,605

$134

Kemper

$1,625

$135

State National

$1,700

$142

Chubb

$1,754

$146

Travelers

$1,774

$148

Farmers

$1,792

$149

Chubb

$1,810

$151

Hartford

$1,899

$158

Kemper

$1,970

$164

Chubb

$2,580

$215

Different liability coverage minimums apply depending on the state. Drivers in Oxnard must carry bodily injury and property damage liability coverage of at least the following minimum limits set by California law:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Liability-only insurance (also known as minimum coverage) will only pay for third-party injuries and property damage. If you choose minimum coverage insurance, your insurance carrier in Oxnard will cover up to $5,000 in property damage to third parties. If you cause $25,000 in damages, you’ll need to pay the extra $20,000 yourself.

Cheapest Full Coverage Car Insurance in Oxnard

The cheapest full coverage auto insurance in Oxnard is from the following insurance providers:

  • National General: $899 per year
  • Progressive: $1,012 per year

Once more, Chubb's $1,754 yearly price made it the most expensive choice for full coverage insurance.

Company
Annual Premium
Monthly Premium

State Farm

$415

$35

GEICO

$416

$35

GEICO

$421

$35

AAA California

$434

$36

Mercury

$444

$37

Progressive

$447

$37

Progressive

$453

$38

AAA California

$453

$38

Mercury

$455

$38

Kemper

$495

$41

GEICO

$496

$41

Nationwide

$516

$43

National General

$528

$44

Progressive

$530

$44

Travelers

$531

$44

Travelers

$531

$44

Nationwide

$534

$45

National General

$544

$45

State Farm

$549

$46

AAA California

$553

$46

Mercury

$558

$47

Kemper

$570

$47

State National

$577

$48

Hartford

$586

$49

State National

$594

$49

Travelers

$603

$50

Farmers

$616

$51

State Farm

$628

$52

Farmers

$633

$53

Capital Insurance Group

$636

$53

National General

$652

$54

Capital Insurance Group

$659

$55

Nationwide

$671

$56

Hartford

$675

$56

Allstate

$678

$57

Allstate

$687

$57

State National

$699

$58

Farmers

$719

$60

Allstate

$738

$61

Chubb

$739

$62

Capital Insurance Group

$739

$62

Kemper

$753

$63

Chubb

$761

$63

Hartford

$890

$74

National General

$899

$75

National General

$911

$76

State Farm

$976

$81

Progressive

$1,010

$84

AAA California

$1,012

$84

Progressive

$1,012

$84

GEICO

$1,020

$85

AAA California

$1,023

$85

GEICO

$1,054

$88

Chubb

$1,056

$88

Mercury

$1,078

$90

National General

$1,089

$91

Mercury

$1,100

$92

Nationwide

$1,145

$95

Allstate

$1,192

$99

Progressive

$1,216

$101

GEICO

$1,220

$102

Nationwide

$1,239

$103

State Farm

$1,252

$104

Allstate

$1,254

$104

Hartford

$1,254

$104

State National

$1,286

$107

Capital Insurance Group

$1,315

$110

Kemper

$1,322

$110

AAA California

$1,343

$112

State National

$1,384

$115

Allstate

$1,385

$115

Capital Insurance Group

$1,393

$116

Travelers

$1,429

$119

Mercury

$1,429

$119

Hartford

$1,448

$121

State Farm

$1,462

$122

Farmers

$1,486

$124

Travelers

$1,492

$124

Farmers

$1,517

$126

Capital Insurance Group

$1,567

$131

Nationwide

$1,605

$134

Kemper

$1,625

$135

State National

$1,700

$142

Chubb

$1,754

$146

Travelers

$1,774

$148

Farmers

$1,792

$149

Chubb

$1,810

$151

Hartford

$1,899

$158

Kemper

$1,970

$164

Chubb

$2,580

$215

Full coverage insurance includes higher liability limits, along with collision and comprehensive insurance.

  • Collision Insurance: Pays for the resulting damage if your car collides with a stationary object or another moving object.
  • Comprehensive Insurance: Ideal for covering non-collision damages to your vehicle caused by events like theft, weather and vandalism.

New cars are significant investments, and it makes sense to protect them with full coverage. However, full coverage premiums can be prohibitively expensive for older vehicles that may not be worth much.

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Cheapest Car Insurance in Oxnard After a Driving Offense

Our research highlighted the Oxnard full coverage insurance policies with the lowest rates for motorists with the following driving violations:

  • Speeding ticket: National General ($943 per year)
  • At-fault accident: National General ($1,329 per year)
  • DUI: National General ($943 per year)

The Hartford has the highest average premium for DUI drivers ($5,311), while Chubb has the most expensive rate for speeding drivers ($2,300) and Kemper charges the most for those with a history of at-fault accidents ($2,903).

If you have violations on your record, you will pay significantly more for your car insurance than a clean driver pays for similar coverage.

Company
Annual Premium
Monthly Premium

National General

$558

$47

National General

$558

$47

Mercury

$569

$47

National General

$575

$48

National General

$575

$48

AAA California

$577

$48

Mercury

$585

$49

AAA California

$602

$50

State Farm

$631

$53

GEICO

$634

$53

GEICO

$642

$53

Kemper

$658

$55

State Farm

$660

$55

National General

$687

$57

National General

$687

$57

AAA California

$688

$57

Capital Insurance Group

$706

$59

Mercury

$713

$59

AAA California

$719

$60

Mercury

$720

$60

Capital Insurance Group

$732

$61

Mercury

$732

$61

AAA California

$739

$62

Capital Insurance Group

$739

$62

GEICO

$744

$62

GEICO

$751

$63

GEICO

$758

$63

Kemper

$758

$63

Capital Insurance Group

$766

$64

Mercury

$792

$66

National General

$792

$66

Nationwide

$795

$66

Progressive

$798

$66

Progressive

$809

$67

Mercury

$815

$68

Travelers

$816

$68

National General

$816

$68

State National

$816

$68

State National

$816

$68

Travelers

$817

$68

Capital Insurance Group

$821

$68

Nationwide

$825

$69

State Farm

$834

$70

Farmers

$841

$70

Farmers

$841

$70

State National

$841

$70

State National

$841

$70

Hartford

$845

$70

Hartford

$845

$70

Capital Insurance Group

$861

$72

Farmers

$863

$72

Farmers

$863

$72

State Farm

$871

$73

Progressive

$878

$73

AAA California

$882

$74

Nationwide

$884

$74

GEICO

$887

$74

Progressive

$892

$74

Mercury

$900

$75

Travelers

$910

$76

Travelers

$912

$76

Nationwide

$918

$77

Travelers

$936

$78

National General

$943

$79

National General

$943

$79

Chubb

$948

$79

Allstate

$950

$79

State Farm

$952

$79

Progressive

$955

$80

Progressive

$956

$80

National General

$956

$80

National General

$956

$80

Allstate

$962

$80

Chubb

$970

$81

Progressive

$973

$81

National General

$979

$82

Farmers

$981

$82

Farmers

$981

$82

Hartford

$987

$82

Hartford

$987

$82

State National

$993

$83

State National

$993

$83

State Farm

$994

$83

Mercury

$1,002

$84

Kemper

$1,005

$84

GEICO

$1,016

$85

GEICO

$1,028

$86

Allstate

$1,039

$87

Nationwide

$1,040

$87

Travelers

$1,046

$87

Farmers

$1,051

$88

Progressive

$1,054

$88

Farmers

$1,079

$90

Travelers

$1,093

$91

Allstate

$1,094

$91

Travelers

$1,095

$91

Capital Insurance Group

$1,107

$92

Allstate

$1,111

$93

Kemper

$1,118

$93

Kemper

$1,118

$93

National General

$1,142

$95

National General

$1,142

$95

Capital Insurance Group

$1,149

$96

Chubb

$1,151

$96

Progressive

$1,152

$96

Nationwide

$1,160

$97

Chubb

$1,173

$98

Allstate

$1,201

$100

GEICO

$1,214

$101

Farmers

$1,225

$102

Travelers

$1,262

$105

Chubb

$1,266

$105

Capital Insurance Group

$1,290

$108

State Farm

$1,299

$108

AAA California

$1,305

$109

AAA California

$1,318

$110

National General

$1,329

$111

Hartford

$1,333

$111

Hartford

$1,333

$111

National General

$1,349

$112

Kemper

$1,358

$113

Kemper

$1,358

$113

Nationwide

$1,402

$117

Mercury

$1,418

$118

State Farm

$1,447

$121

Mercury

$1,453

$121

Nationwide

$1,458

$121

Chubb

$1,468

$122

State National

$1,472

$123

AAA California

$1,486

$124

Chubb

$1,489

$124

Capital Insurance Group

$1,502

$125

Chubb

$1,511

$126

State Farm

$1,516

$126

State National

$1,518

$127

GEICO

$1,533

$128

AAA California

$1,541

$128

Capital Insurance Group

$1,543

$129

AAA California

$1,545

$129

AAA California

$1,554

$129

GEICO

$1,583

$132

Capital Insurance Group

$1,595

$133

National General

$1,615

$135

Capital Insurance Group

$1,636

$136

Kemper

$1,714

$143

Kemper

$1,714

$143

GEICO

$1,717

$143

State Farm

$1,718

$143

Allstate

$1,733

$144

AAA California

$1,734

$145

Kemper

$1,754

$146

GEICO

$1,769

$147

Nationwide

$1,770

$148

Mercury

$1,774

$148

Capital Insurance Group

$1,799

$150

State National

$1,804

$150

Chubb

$1,806

$150

Mercury

$1,815

$151

Allstate

$1,827

$152

State National

$1,829

$152

State National

$1,829

$152

GEICO

$1,834

$153

Capital Insurance Group

$1,846

$154

Nationwide

$1,847

$154

State Farm

$1,861

$155

Hartford

$1,869

$156

Hartford

$1,869

$156

Mercury

$1,890

$158

Progressive

$1,898

$158

Mercury

$1,900

$158

Progressive

$1,901

$158

AAA California

$1,916

$160

Nationwide

$1,919

$160

Mercury

$1,938

$162

State Farm

$1,947

$162

State Farm

$1,961

$163

State National

$1,966

$164

State National

$1,966

$164

Nationwide

$1,969

$164

Allstate

$1,974

$164

Allstate

$2,007

$167

Allstate

$2,027

$169

AAA California

$2,037

$170

Hartford

$2,037

$170

GEICO

$2,051

$171

Farmers

$2,051

$171

Farmers

$2,051

$171

Progressive

$2,068

$172

Progressive

$2,068

$172

Farmers

$2,095

$175

Farmers

$2,095

$175

Nationwide

$2,137

$178

Allstate

$2,143

$179

Kemper

$2,157

$180

State Farm

$2,170

$181

Hartford

$2,171

$181

Hartford

$2,171

$181

Travelers

$2,171

$181

Allstate

$2,174

$181

Travelers

$2,263

$189

Allstate

$2,269

$189

State Farm

$2,272

$189

Progressive

$2,297

$191

Chubb

$2,300

$192

Capital Insurance Group

$2,349

$196

Progressive

$2,352

$196

Progressive

$2,354

$196

Chubb

$2,356

$196

Mercury

$2,363

$197

State National

$2,419

$202

State National

$2,419

$202

Hartford

$2,421

$202

Travelers

$2,422

$202

GEICO

$2,452

$204

Farmers

$2,476

$206

Farmers

$2,476

$206

Nationwide

$2,494

$208

Capital Insurance Group

$2,498

$208

Progressive

$2,502

$208

Travelers

$2,518

$210

Mercury

$2,519

$210

Allstate

$2,527

$211

GEICO

$2,530

$211

Farmers

$2,563

$214

Farmers

$2,618

$218

Kemper

$2,619

$218

Travelers

$2,715

$226

Nationwide

$2,783

$232

Capital Insurance Group

$2,815

$235

Chubb

$2,823

$235

Progressive

$2,849

$237

Hartford

$2,877

$240

Hartford

$2,877

$240

Chubb

$2,879

$240

Kemper

$2,903

$242

Kemper

$2,903

$242

GEICO

$2,933

$244

State Farm

$2,996

$250

Travelers

$3,021

$252

Travelers

$3,028

$252

Farmers

$3,095

$258

AAA California

$3,123

$260

Chubb

$3,124

$260

Nationwide

$3,128

$261

AAA California

$3,140

$262

Travelers

$3,157

$263

Hartford

$3,361

$280

Nationwide

$3,398

$283

State National

$3,405

$284

Chubb

$3,649

$304

State National

$3,669

$306

Kemper

$3,671

$306

Kemper

$3,671

$306

Chubb

$3,698

$308

Chubb

$3,754

$313

Allstate

$3,786

$315

Travelers

$3,816

$318

State Farm

$3,851

$321

Allstate

$4,007

$334

AAA California

$4,145

$345

Kemper

$4,344

$362

Kemper

$4,344

$362

Nationwide

$4,441

$370

Allstate

$4,461

$372

State Farm

$4,491

$374

Chubb

$4,525

$377

Hartford

$4,528

$377

State National

$4,530

$377

Hartford

$5,311

$443

Hartford

$7,165

$597

The severity of your violation can have an effect on your car insurance rates. For instance, the cheapest insurance with an at-fault accident on your record costs around $386 more than the most affordable policy for a driver with a speeding ticket. Despite this, it is still possible to find cheap car insurance with a bad driving record if you shop around and compare rates.

Cheapest Car Insurance in Oxnard for Teens and Their Families

Teens in Oxnard who are covered by a family policy can get the cheapest full coverage insurance from these companies:

  • Farmers: $2,828 yearly for teen boys and girls
  • State Farm: $2,893 yearly for teen boys and girls

Nationwide has the costliest policy at $4,611 per year for both teen boys and girls. Although these companies have similar rates regardless of gender, teen boys often pay more due to insurers perceiving them as high-risk drivers. This disparity becomes less significant as they enter early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,383

$2,227

GEICO

$1,416

$2,280

GEICO

$1,418

$2,511

GEICO

$1,434

$2,395

GEICO

$1,450

$2,335

GEICO

$1,458

$2,581

GEICO

$1,478

$2,727

GEICO

$1,497

$2,651

Progressive

$1,544

$2,450

Progressive

$1,544

$2,450

Nationwide

$1,603

$3,317

Nationwide

$1,603

$3,317

GEICO

$1,642

$2,460

Progressive

$1,672

$2,652

Progressive

$1,672

$2,652

GEICO

$1,696

$2,809

Kemper

$1,719

$3,453

Kemper

$1,719

$3,453

Nationwide

$1,757

$3,637

Nationwide

$1,757

$3,637

Capital Insurance Group

$1,770

$2,267

Capital Insurance Group

$1,770

$2,267

Progressive

$1,789

$3,277

Progressive

$1,789

$3,277

Nationwide

$1,814

$4,160

Nationwide

$1,814

$4,160

Kemper

$1,816

$3,646

Kemper

$1,816

$3,646

Allstate

$1,858

$3,015

Allstate

$1,858

$3,015

Progressive

$1,873

$2,972

Progressive

$1,873

$2,972

Nationwide

$1,884

$3,899

Nationwide

$1,884

$3,899

Kemper

$1,911

$4,288

Kemper

$1,911

$4,288

Farmers

$1,937

$2,765

Farmers

$1,937

$2,765

Allstate

$1,946

$3,157

Allstate

$1,946

$3,157

Kemper

$1,975

$3,966

Kemper

$1,975

$3,966

Allstate

$1,995

$3,507

Allstate

$1,995

$3,507

State Farm

$1,997

$2,930

State Farm

$1,997

$2,930

Capital Insurance Group

$2,015

$2,685

Capital Insurance Group

$2,015

$2,685

Allstate

$2,015

$3,270

Allstate

$2,015

$3,270

State Farm

$2,078

$3,048

State Farm

$2,078

$3,048

Capital Insurance Group

$2,096

$2,685

Capital Insurance Group

$2,096

$2,685

Capital Insurance Group

$2,096

$2,685

Capital Insurance Group

$2,096

$2,685

GEICO

$2,113

$3,575

State Farm

$2,114

$3,306

State Farm

$2,114

$3,306

Nationwide

$2,123

$4,560

Nationwide

$2,123

$4,560

State Farm

$2,126

$3,118

State Farm

$2,126

$3,118

Allstate

$2,139

$3,523

Allstate

$2,139

$3,523

Travelers

$2,158

$2,947

Travelers

$2,158

$2,947

Farmers

$2,169

$3,207

Farmers

$2,169

$3,207

GEICO

$2,196

$4,124

Kemper

$2,214

$4,546

Kemper

$2,214

$4,546

Progressive

$2,218

$3,595

Progressive

$2,218

$3,595

Travelers

$2,234

$3,051

Travelers

$2,234

$3,051

Farmers

$2,246

$3,207

Farmers

$2,246

$3,207

Farmers

$2,246

$3,207

Farmers

$2,246

$3,207

State Farm

$2,265

$3,371

State Farm

$2,265

$3,371

Travelers

$2,280

$3,274

Travelers

$2,280

$3,274

GEICO

$2,311

$3,463

Travelers

$2,328

$3,179

Travelers

$2,328

$3,179

Capital Insurance Group

$2,340

$3,020

Capital Insurance Group

$2,340

$3,020

Kemper

$2,398

$4,924

Kemper

$2,398

$4,924

GEICO

$2,403

$3,981

State Farm

$2,404

$3,754

State Farm

$2,404

$3,754

Kemper

$2,418

$5,429

Kemper

$2,418

$5,429

Capital Insurance Group

$2,426

$3,020

Capital Insurance Group

$2,426

$3,020

Farmers

$2,426

$3,677

Farmers

$2,426

$3,677

State Farm

$2,426

$3,611

State Farm

$2,426

$3,611

Allstate

$2,452

$4,490

Allstate

$2,452

$4,490

Allstate

$2,493

$4,106

Allstate

$2,493

$4,106

Travelers

$2,543

$3,436

Travelers

$2,543

$3,436

Capital Insurance Group

$2,598

$3,353

Capital Insurance Group

$2,598

$3,353

Nationwide

$2,616

$6,305

Nationwide

$2,616

$6,305

Farmers

$2,622

$4,235

Farmers

$2,622

$4,235

Farmers

$2,646

$4,011

Farmers

$2,646

$4,011

State Farm

$2,672

$4,760

State Farm

$2,672

$4,760

Travelers

$2,760

$3,965

Travelers

$2,760

$3,965

Farmers

$2,761

$5,457

Farmers

$2,761

$5,457

Progressive

$2,766

$5,087

Progressive

$2,766

$5,087

Nationwide

$2,790

$5,995

Nationwide

$2,790

$5,995

Travelers

$2,803

$3,787

Travelers

$2,803

$3,787

Farmers

$2,828

$5,707

Farmers

$2,828

$5,707

State Farm

$2,833

$5,046

State Farm

$2,833

$5,046

Farmers

$2,837

$5,608

Farmers

$2,837

$5,608

State Farm

$2,893

$5,654

State Farm

$2,893

$5,654

GEICO

$2,919

$5,171

Progressive

$2,939

$4,763

Progressive

$2,939

$4,763

GEICO

$3,060

$6,010

GEICO

$3,130

$5,773

Progressive

$3,192

$6,468

Progressive

$3,192

$6,468

GEICO

$3,210

$5,686

Progressive

$3,212

$6,525

Progressive

$3,212

$6,525

Progressive

$3,225

$6,535

Progressive

$3,225

$6,535

Allstate

$3,272

$6,457

Allstate

$3,272

$6,457

GEICO

$3,299

$6,794

Capital Insurance Group

$3,334

$4,150

Capital Insurance Group

$3,334

$4,150

Capital Insurance Group

$3,334

$4,150

Capital Insurance Group

$3,334

$4,150

Capital Insurance Group

$3,334

$4,150

Capital Insurance Group

$3,334

$4,150

GEICO

$3,379

$6,636

Allstate

$3,389

$6,802

Allstate

$3,389

$6,802

Allstate

$3,447

$6,802

Allstate

$3,447

$6,802

Kemper

$3,648

$7,412

Kemper

$3,648

$7,412

Travelers

$3,689

$4,999

Travelers

$3,689

$4,999

Travelers

$3,854

$5,222

Travelers

$3,854

$5,222

Travelers

$3,862

$5,481

Travelers

$3,862

$5,481

Nationwide

$3,974

$8,523

Nationwide

$3,974

$8,523

Kemper

$3,996

$8,120

Kemper

$3,996

$8,120

Kemper

$4,033

$9,051

Kemper

$4,033

$9,051

Nationwide

$4,468

$9,584

Nationwide

$4,468

$9,584

Nationwide

$4,611

$11,567

Nationwide

$4,611

$11,567

It is best to add a teen driver to a family policy instead of buying them their own insurance to save money,. In Oxnard, for example, buying a teen boy his own insurance would cost around $673 more than adding him to a parent's policy, a 15% jump. Shopping around can help you find the cheapest car insurance for teens.

Cheapest Car Insurance in Oxnard for Military Drivers

The following Oxnard insurers offer the cheapest military auto insurance to active duty and veteran service personnel and their families seeking full coverage policies:

  • National General: $899 per year
  • USAA: $917 per year

The cheapest insurance provider if you simply require the state's basic minimum coverage is USAA at $395 annually, followed by GEICO at $421 annually.

Company
Annual Premium
Monthly Premium

USAA

$395

$33

USAA

$395

$33

State Farm

$415

$35

GEICO

$416

$35

GEICO

$421

$35

AAA California

$434

$36

Mercury

$444

$37

Progressive

$447

$37

Progressive

$453

$38

AAA California

$453

$38

Mercury

$455

$38

USAA

$475

$40

Kemper

$495

$41

GEICO

$496

$41

Nationwide

$516

$43

National General

$528

$44

Progressive

$530

$44

Travelers

$531

$44

Travelers

$531

$44

Nationwide

$534

$45

National General

$544

$45

State Farm

$549

$46

AAA California

$553

$46

Mercury

$558

$47

Kemper

$570

$47

State National

$577

$48

Hartford

$586

$49

State National

$594

$49

Travelers

$603

$50

Farmers

$616

$51

State Farm

$628

$52

Farmers

$633

$53

Capital Insurance Group

$636

$53

National General

$652

$54

Capital Insurance Group

$659

$55

Nationwide

$671

$56

Hartford

$675

$56

Allstate

$678

$57

Allstate

$687

$57

State National

$699

$58

Farmers

$719

$60

Allstate

$738

$61

Chubb

$739

$62

Capital Insurance Group

$739

$62

Kemper

$753

$63

Chubb

$761

$63

Hartford

$890

$74

USAA

$895

$75

National General

$899

$75

National General

$911

$76

USAA

$917

$76

State Farm

$976

$81

Progressive

$1,010

$84

AAA California

$1,012

$84

Progressive

$1,012

$84

GEICO

$1,020

$85

AAA California

$1,023

$85

GEICO

$1,054

$88

Chubb

$1,056

$88

Mercury

$1,078

$90

National General

$1,089

$91

USAA

$1,095

$91

Mercury

$1,100

$92

Nationwide

$1,145

$95

Allstate

$1,192

$99

Progressive

$1,216

$101

GEICO

$1,220

$102

Nationwide

$1,239

$103

State Farm

$1,252

$104

Allstate

$1,254

$104

Hartford

$1,254

$104

State National

$1,286

$107

Capital Insurance Group

$1,315

$110

Kemper

$1,322

$110

AAA California

$1,343

$112

State National

$1,384

$115

Allstate

$1,385

$115

Capital Insurance Group

$1,393

$116

Travelers

$1,429

$119

Mercury

$1,429

$119

Hartford

$1,448

$121

State Farm

$1,462

$122

Farmers

$1,486

$124

Travelers

$1,492

$124

Farmers

$1,517

$126

Capital Insurance Group

$1,567

$131

Nationwide

$1,605

$134

Kemper

$1,625

$135

State National

$1,700

$142

Chubb

$1,754

$146

Travelers

$1,774

$148

Farmers

$1,792

$149

Chubb

$1,810

$151

Hartford

$1,899

$158

Kemper

$1,970

$164

Chubb

$2,580

$215

How to Compare Cheap Oxnard Car Insurance Quotes Online

Comparing auto insurance rates online may be arduous and time-consuming. Don't be surprised if getting insurance quotes from one provider can take up to fifteen minutes, as you’ll need to provide a lot of personal information.

Using your age, vehicle type, driving history and coverage levels, MoneyGeek's auto insurance calculator can help you quickly estimate the premiums that various providers are likely to charge you.

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Progressive

Best Car Insurance in Oxnard: Summary

Your preference for affordability or customer service can change your best insurance. The following are the top Oxnard companies for car insurance:

  • Best overall: Progressive (MoneyGeek score 70 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

The MoneyGeek scores for an insurer can change based on how variables are weighted across each category.

On a statewide basis, AAA is the best car insurance company in California, so your exact location can affect these rankings. If you have a military affiliation, USAA is the best option, with a MoneyGeek score of 85.

Best Overall Car Insurance in Oxnard

We examined service quality and affordability to determine that these companies are the two best auto insurers in Oxnard, CA:

  • Progressive: MoneyGeek score 70 out of 100 ($1,012 per year)
  • GEICO: MoneyGeek score 70 out of 100 ($1,054 per year)

Progressive has the highest affordability rating and a wide range of add-on coverages, making it our top overall pick.

For military members, USAA is the best option, with a MoneyGeek rating of 84 out of 100 and an average yearly full coverage premium of $917.

How was this MoneyGeek score calculated?

Progressive

pros

Ranks #2 for affordability

Many valuable coverage options available

Offers custom parts coverage, accident forgiveness and gap insurance

cons

Does not offer new car replacement coverage

COMPANY HIGHLIGHTS

Progressive’s custom parts coverage is a unique and valuable offering. This add-on coverage will repair or replace aftermarket additions to your vehicle, including stereos, navigation systems, paint jobs, custom wheels and more. This coverage usually has a limit of $5,000.

If they have collision coverage, pet owners can get Progressive's pet coverage, which will pay for their vet bills up to a certain limit if their pets are injured in a covered accident.

Progressive's gap insurance covers people who have financed their cars. If your vehicle is totaled in a covered incident, the company will pay the difference between the car's current value and the outstanding loan or lease amount. Progressive also offers accident forgiveness, roadside assistance and rental car reimbursement, three common but valuable add-ons.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Oxnard for Customer Service

The top-rated insurance companies in Oxnard for customer service were assessed on how well they handle claims and satisfy their customers. We did not consider pricing for this category. The following companies offer the best customer service:

  • Chubb: MoneyGeek score 76 out of 100 ($1,754 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,393 per year)

Chubb vastly outperforms its rivals in claims management and is well-regarded for its top-notch customer support. However, Chubb has the most expensive premiums of any insurer we analyzed in Oxnard, so you’ll need to pay a high price for the best service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranks #2 for customer satisfaction

Highest claims management rating

Offers original equipment manufacturer (OEM), classic car insurance and diminished value coverage

cons

Very few coverage options available

Does not offer roadside assistance, new car replacement, deductible modification, gap insurance or accident forgiveness

COMPANY HIGHLIGHTS

Chubb’s original equipment manufacturer (OEM) coverage allows you to pay for car repairs using original components, not aftermarket or third-party parts, in all covered losses. Original equipment can improve your car's performance and safety compared to aftermarket components.

Chubb's classic car insurance may be useful for people who possess classic automobiles that are garaged or used for hobby reasons. This coverage is available for cars that are more than 30 years old, part of a collection or limited production models.

Chubb’s optional Agreed Value coverage (a form of diminished value coverage) starts with you and the insurer agreeing upon the value of your vehicle when you sign up for your policy. If your car is stolen or totaled, Chubb will pay you for that agreed-upon amount, not the actual depreciated value of the vehicle.

Best Cheap Car Insurance in Oxnard

According to our research, the following insurers in Oxnard provide the best minimum coverage insurance based on affordability and service quality:

  • GEICO: MoneyGeek score 78 out of 100 ($421 per year)
  • Progressive: MoneyGeek score 74 out of 100 ($447 per year)

Minimum coverage insurance is the cheapest option available, but these plans offer very little liability coverage and no coverage for your own vehicle.

How was this MoneyGeek score calculated?

GEICO

pros

Affordable minimum coverage insurance costing $421 per year

Ranks #4 of 14 insurers for customer satisfaction

Discounts for seatbelt use, teachers and safe driving

cons

Ranks #8 for claims management

Does not offer paperless or pay-in-full discounts

COMPANY HIGHLIGHTS

Due to its outstanding pricing and above-average customer satisfaction rating, GEICO is the best cheap insurer in Oxnard, CA.

GEICO's unique and common discounts can help a range of policyholders save money. Discounts are available for using a seatbelt when driving and installing daytime running lights. Discounted rates are also made available to retired federal employees and military personnel deployed for emergencies. Teachers, students with outstanding grades and cautious drivers are also eligible for reduced premiums.

Apart from its unique discounts, GEICO offers some more common ones as well, including providing lower rates to drivers who install anti-lock brakes, airbags and anti-theft devices in their vehicles. Seniors and those who have completed defensive driving or driver's education classes can also ask GEICO for discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Oxnard

In Oxnard, the average annual rate for a full coverage car insurance policy is $1,260. This is just $5 more than the national average cost of car insurance of $1,265 and $127 less than the $1,387 average cost of car insurance in California as of October 2022.

These rates are for bodily injury liability of $100,000 per person and $300,000 per accident, along with $100,000 for property damage liability. Although the average car insurance price in Oxnard is cheaper than the state average, your individual premiums will vary greatly depending on where you live and other factors.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.