bestauto insuranceOxnardCompare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/9/2023
Edited By |
Ashley Jacobs
Written By |
Mark Fitzpatrick
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.
bestauto insuranceOxnardThe Cheapest and Best Car Insurance in Oxnard
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
Methodology
MoneyGeek collected data from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) for different car insurance companies 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
Full Coverage 100/300/100
- 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
State Minimum
- 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
Speeding Ticket
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.
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 researched and analyzed the claims ratings, average rates and customer satisfaction scores for different insurers and found the following companies offering the best car insurance in Oxnard:
- Esurance: MoneyGeek score of 91 out of 100
- AAA: MoneyGeek score of 89 out of 100
Since USAA doesn’t offer policies to drivers who don’t have a military background, the company wasn’t included in this analysis. However, it received a score of 93 out of 100, making it the best car insurance company in Oxnard.
1
Esurance
Score:91
Esurance’s full coverage policy costs an average of $1,012 per year in Oxnard. The company ranked high in affordability and satisfaction but ranked lower for claims. It offers custom parts coverage.
More About Esurance
Esurance offers many common coverages with its policies in Oxnard, including roadside assistance, rental car and/or travel reimbursement, gap insurance, rideshare insurance and custom parts coverage, which is a unique coverage rarely offered by most insurers.
The custom parts coverage helps the drivers pay for any damage to the after-market upgrades in their car, including fancy sound systems, custom grills, exhaust systems and more. The company lets you purchase a coverage limit as high as $4,500.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:89
AAA charges an average of $1,146 per year for a policy in Oxnard. The company ranked highly for satisfaction, claims and affordability. It offers identity theft coverage.
More About AAA
AAA’s identity theft coverage in Oxnard protects policyholders from identity theft through real-time fraud alerts, Social Security monitoring, fraud resolution support and more. The company also provides common coverages, including rental car and/or travel reimbursement and roadside assistance.
The rental car and/or travel reimbursement coverage helps you pay for a rental car or public transportation expenses if your own vehicle is not drivable after being in an accident.
Read MoneyGeek's AAA auto Insurance Review3
Progressive
Score:83
4
GEICO
Score:80
5
MetLife
Score:72
6
Mercury
Score:69
7
State Farm
Score:68
8
Allstate
Score:63
9
Travelers
Score:54
10
Farmers
Score:53
11
Allied
Score:30
12
Hartford
Score:27
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.
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