Compare the Cheapest Car Insurance Quotes in Oxnard, CA
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.
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Quality Verified
On average, Esurance has the cheapest car insurance rates in Oxnard; it’s also the lowest after a ticket. Progressive offers the lowest rate for minimum coverage. USAA has affordable rates for the military. MoneyGeek found that AAA provides the best balance of quality service and affordability in Oxnard. The best company for you depends on your profile and coverage.
The Cheapest and Best Car Insurance in Oxnard




The Cheapest Car Insurance Companies in Oxnard
A full coverage policy includes collision and comprehensive insurance that cover you in case of damage to your car. The cheapest car insurers for drivers in Oxnard looking for full coverage car insurance are:
- Esurance: $1,012 average per year
- Progressive: $1,020 average per year
For current or former military members, USAA has a full coverage policy for roughly $1,079 annually.
Travelers, which costs $1,626 yearly, is the most expensive for full coverage in Oxnard, costing as much as $614 more than Esurance.
Full coverage rates vary depending on the amount of liability coverage you choose.
Cheapest Car Insurance in Oxnard
- Company100/300/100per year
- 1.$1,012
- 2.$1,020
- 3.$1,079
- 4.$1,146
- 5.$1,231
MoneyGeek collected the average costs for a 40-year-old male driver in Oxnard with a full coverage policy, as defined in our methodology.
Although you pay a higher premium for a full coverage policy, it comes with liability plus additional coverages:
- Collision insurance: to cover any damages resulting from a collision with another vehicle or stationary object.
- Comprehensive insurance: to cover you against risks such as theft and vandalism.
When the cost of a full coverage policy exceeds the value of your car, it may be better to opt for a minimum liability policy since it costs less.
Compare Car Insurance Rates in Oxnard
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Oxnard for Minimum Coverage
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.
Cheapest Minimum Liability Car Insurance in Oxnard
- CompanyState Minimumper year
- 1.$439
- 2.$439
- 3.$519
- 4.$519
- 5.$542
A state minimum policy offers the least protection as it only carries the minimum liability limits required by California, 15/30/5. A minimum coverage policy in Oxnard has the cheapest annual premium, but you risk high out-of-pocket costs in an accident.
For example, with a bodily injury coverage limit of $15,000, if medical expenses in an accident total $45,000, you pay the difference.
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.
Cheapest Car Insurance in Oxnard if You Have Driving Violations
In Oxnard, having a ticket, DUI or at-fault accident on your record raises your auto insurance premium. If you have a violation, the cheapest options for car insurance in Oxnard are:
- Cheapest after a ticket: Esurance, averaging $1,281 per year
- Cheapest after an at-fault accident: Esurance, averaging $1,582 per year
- Cheapest after a DUI: Mercury, averaging $2,162 per year
USAA, costing roughly $1,179/year, is the cheapest for drivers with military backgrounds who have a ticket.
Improving your record over time helps lower your car insurance premiums. For now, you can find the best rates in Oxnard by comparing quotes to find the cheapest insurer after a violation.
Cheapest Car Insurance in Oxnard With a Violation
Average Cost of Car Insurance in Oxnard
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.
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.
Compare Car Insurance Rates in Oxnard
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Oxnard
MoneyGeek ranked insurers in Oxnard to find the best companies in terms of affordability and quality of service. Based on MoneyGeek’s scoring system, the best insurers for most drivers in Oxnard are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA is the best insurer according to MoneyGeek's rating system for those who have a military background.
MoneyGeek rated auto insurers in Oxnard based on J.D. Power user satisfaction ratings, affordability and financial stability scores.














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
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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