An average driver in Oxnard typically pays $1,324 per year, cheaper than the annual average premium in California. The cheapest insurer, Esurance, charges an average of $1,012. MoneyGeek evaluated insurers to find the cheapest insurer by coverage amount and driving history. If you value cost and quality, MoneyGeek recommended the best auto insurance carriers in the city.
bestauto insuranceOxnard2021The Cheapest and Best Car Insurance in Oxnard
Cheapest Overall - Esurance
Best Overall - AAA
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Oxnard
In Oxnard, the most affordable insurance rates for a full coverage policy are from:
- Esurance: $1,012 per year
- Progressive: $1,020 per year
On average, Esurance is the cheapest car insurance company in Oxnard. Its coverage rates are typically 60.6% more affordable than the average rate from Travelers, which is the city’s costliest auto insurance firm.
MoneyGeek analyzed prices based on a 40-year-old male driver with a full coverage policy, which includes liability insurance as well as comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$1,012
- 2.$1,020
- 3.$1,079
- 4.$1,146
- 5.$1,231
Average Cost of Car Insurance in Oxnard
Oxnard$1,324
California$1,429
U.S.$1,424
The average cost of car insurance annually in Oxnard is cheaper than the California and U.S. averages. Oxnard’s average rate is $1,324, which is 7.3% less than the state average and 7% lower than the national average.
The Best Car Insurance Companies in Oxnard
MoneyGeek ranked auto insurance carriers in Oxnard to find the best companies in terms of affordability and quality of service. Based on MoneyGeek’s scoring system, the best insurers in the city for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Oxnard by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek rated auto insurers in Oxnard using various factors like J.D. Power user satisfaction, affordability and financial stability.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
Personalized Quotes to Get You the Cheapest Car Insurance in Oxnard
To compute average car insurance rates in Oxnard, providers analyze an array of elements, including your age, gender, marital status, driving history and more. Take the case of the auto insurance company State Farm in Oxnard. On average, its typical package for an 18-year-old male driver is almost twice as expensive as similar coverage for a 40-year-old male driver. We recommend that you regularly obtain a personalized quote that considers your changing circumstances to find the cheapest coverage.
Shopping around for car insurance in Oxnard could save you $312, which is enough to buy:
104Cups of Coffee
24Months of Your Favorite Streaming Service
Cheapest Car Insurance in Oxnard by Coverage Amount
In Oxnard and elsewhere, the amount of coverage that you choose for your car insurance will impact your premiums. A policy meeting only the state minimums typically costs $628 per year. On the other hand, a full coverage policy with higher liability limits costs $1,324 on average. That is a difference of $696.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
In Oxnard, Progressive offers both full-coverage and liability-only policies within 50/100/50 limits. These limits mean the coverage includes $50,000 worth of medical bills per person, amounting to $100,000 per vehicle, along with $50,000 of property damage repair. Progressive’s full-coverage package offers extra advantages, including covering your own costs in an accident. Therefore, it’s understandable that the price for a full-coverage policy averages $326 more than the liability-only policy.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$439$608
- 2.$439$567
- 3.$542$648
- 4.$519$633
- 5.$519$718
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$934$1,020
- 2.$1,017$1,079
- 3.$969$1,012
- 4.$1,035$1,146
- 5.$1,112$1,231
Cheapest Car Insurance in Oxnard if You Have Driving Violations
A good way to reduce your car insurance cost is to drive safely and defensively. This is advised because driving violations on your record will increase your auto insurance expenses. Consider the example of Esurance in Oxnard. This company’s customers with a speeding ticket on their record need to pay an average of $269 more per year for their policies than drivers with clean records. Similarly, those with a recorded DUI violation need to cough up $1,500 more on average for their coverage.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,281$1,582$2,512
- 2.$1,179$1,880$3,046
- 3.$1,941$2,109$2,420
- 4.$1,727$2,281$2,162
- 5.$1,512$1,742$3,555
Average Cost of Car Insurance by Postal Code
Your ZIP code within a city also has a role in determining your car insurance cost. This is because auto insurance providers charge a higher rate for areas that have more accidents, car-theft incidents and uninsured motorists. In some cities, the differences between ZIP codes could amount to hundreds of dollars, but in Oxnard, there is only a $3 average annual premium difference between ZIP codes 93033 and 93030.
- Zip CodeState Minimumper year
- 93033$1,323
- 93030$1,326
top ratedCar Insurance agentsOxnard2021Top Agents Offering Affordable Car Insurance in Oxnard
1. Ray Gonzales - State Farm Insurance Agent2711 S Rose Ave, Ste D101, Oxnard, CA, 93033
2. Efrain Cazares - State Farm Insurance Agent4300 Tradewinds Dr, Ste 160, Oxnard, CA, 93035
3. John Derr - State Farm Insurance Agent500 Esplanade Dr, Ste 1275, Oxnard, CA, 93036
4. Smart Buy Insurance Center344 S 5th St, Oxnard, CA, 93030
5. Charles Allison - State Farm Insurance Agent705 N Oxnard Blvd, Ste 101, Oxnard, CA, 93030
Insurance Providers That Serve Oxnard
Factors That Impact Insurance Costs in Oxnard
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Oxnard. How Oxnard ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Oxnard are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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