GEICO offers the lowest car insurance rates in Ventura at $631 annually for minimum coverage and $1,306 for full coverage. Other affordable insurers in the city include Progressive, AAA and Mercury.
Car Insurance in Ventura
Updated: August 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
The cheapest car insurance companies in Ventura include GEICO, Progressive and AAA, with rates up to 35% lower than the city average.
Monthly car insurance costs in Ventura average $158 for full coverage and $81 for minimum coverage.
You'll find the best cheap auto insurance in Ventura by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Ventura?
| GEICO | $53 | $109 | -35% |
| Progressive | $68 | $120 | -24% |
| AAA | $72 | $140 | -14% |
| Mercury | $77 | $144 | -10% |
| State Farm | $74 | $154 | -8% |
Compare the Cheapest Ventura Car Insurance for You
Car insurance rates change based on your driving history and personal details, sometimes by hundreds or even thousands of dollars. Check the table below to find the cheapest insurance company for your specific profile.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $161 | $1,935 | -31% |
| GEICO | $183 | $2,194 | -22% |
| Progressive | $183 | $2,201 | -22% |
| AAA | $190 | $2,283 | -19% |
| Farmers | $205 | $2,456 | -13% |
Cheapest Car Insurance by Age Group in Ventura
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16 to 25 (young), 26 to 64 (adults), and 65+ (seniors). Based on our data in Ventura, here's who offers the lowest rate in each group:
- Cheapest Car Insurance for Young Drivers: State Farm (from $105 per month)
- Cheapest Car Insurance for Adults: GEICO (from $53 per month)
- Cheapest Car Insurance for Seniors: GEICO (from $57 per month)
Cheapest Car Insurance for Young Drivers in Ventura
State Farm and GEICO offer the most affordable car insurance for young drivers in Ventura, with monthly rates starting at $105 and $107 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $105 | $1,259 | -30% |
| Geico | $107 | $1,278 | -29% |
| Farmers | $112 | $1,348 | -25% |
| Wawanesa Insurance | $121 | $1,452 | -19% |
| AAA | $127 | $1,518 | -15% |
Cheapest Car Insurance for Adult Drivers in Ventura
In Ventura, GEICO provides the lowest rates for adult drivers (26 to 64), saving drivers around 37% on average. Progressive and AAA are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $53 | $631 | -37% |
| Progressive | $68 | $817 | -18% |
| AAA | $72 | $858 | -14% |
| State Farm | $74 | $884 | -12% |
| Farmers | $79 | $946 | -5% |
Cheapest Car Insurance for Senior Drivers in Ventura
For seniors in Ventura, GEICO provides the most affordable car insurance options. Minimum coverage costs $57 per month or $685 annually. Full coverage from the same provider runs $116 monthly or $1,390 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| GEICO | $57 | $685 | -39% |
| State Farm | $63 | $759 | -33% |
| Farmers | $78 | $931 | -17% |
| Progressive | $87 | $1,044 | -7% |
| AAA | $89 | $1,067 | -5% |
Cheapest Car Insurance for High-Risk Drivers in Ventura
These car insurance companies offer the lowest rates for high-risk drivers in Ventura:
- Cheapest With a DUI: GEICO from $127 per month)
- Cheapest With an Accident: GEICO (from $93 per month)
- Cheapest With a Speeding Ticket: GEICO (from $79 per month)
Cheapest Car Insurance With a DUI in Ventura
GEICO offers the most affordable car insurance rates for drivers with a DUI in Ventura. Their rates are 38% below the city average for minimum coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $127 | $1,518 | -38% |
| Farmers | $134 | $1,604 | -34% |
| Mercury Insurance | $135 | $1,623 | -34% |
| Auto Owners | $156 | $1,868 | -24% |
| Progressive | $158 | $1,901 | -22% |
Cheapest Car Insurance With an Accident in Ventura
GEICO offers the lowest car insurance rates in Ventura for drivers with an accident, with premiums starting at $93 monthly. Their rates run 31% below the city average for accident coverage.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| Geico | $93 | $1,118 | -31% |
| Auto Owners | $102 | $1,227 | -25% |
| Farmers | $107 | $1,284 | -21% |
| Progressive | $113 | $1,359 | -17% |
| State Farm | $114 | $1,373 | -16% |
Cheapest Car Insurance With a Speeding Ticket in Ventura
For Ventura drivers with speeding tickets, GEICO offers the cheapest insurance rates across both coverage types. Their minimum liability coverage costs about $79 per month, while full coverage runs around $161 monthly.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| GEICO | $79 | $944 | -38% |
| Progressive | $103 | $1,233 | -18% |
| AAA | $105 | $1,254 | -17% |
| Farmers | $107 | $1,284 | -15% |
| State Farm | $110 | $1,320 | -13% |
Best Car Insurance Companies in Ventura
In Ventura, the top car insurance companies are Progressive, GEICO, Mercury and AAA. These providers stand out for competitive rates, quality customer service and comprehensive coverage options.
| Progressive | 90 | 2 | 3 | 2 |
| GEICO | 87 | 1 | 7 | 7 |
| Mercury | 81 | 4 | 6 | 5 |
| AAA | 81 | 3 | 5 | 7 |
| Auto-Owners | 80 | 8 | 1 | 6 |
Progressive: Best Overall Value
pros
Strong coverage options available
High customer satisfaction ratings
Competitive rates across driver types
cons
Higher rates for high-risk drivers
Limited military discounts
COMPANY HIGHLIGHTS
Progressive ranks first among Ventura car insurance providers by delivering consistent quality across all categories. The company stands out with strong coverage options and high customer satisfaction scores. Progressive offers competitive rates that beat the city average, making it an excellent choice for most California drivers looking for comprehensive protection.
GEICO: Best for Affordable Coverage
pros
Lowest rates in Ventura
Many online tools and resources
Multiple discount opportunities
cons
Limited coverage add-ons
Lower customer service ratings
COMPANY HIGHLIGHTS
GEICO leads Ventura's insurance market in affordability, earning top scores for competitive pricing. It offers the cheapest rates for several driver categories, including adults, seniors, and young drivers. While customer service ratings rank lower than some competitors, GEICO's digital tools and straightforward claims process make it an excellent choice for tech-savvy drivers seeking affordable coverage.
How Much Is Car Insurance in Ventura?
In Ventura, minimum coverage costs about $81 per month or $975 per year, ranking 1,174th out of all California cities for affordability. Full coverage averages $158 monthly or $1,902 annually, ranking 1,142nd among California cities.
| Full Coverage | $158 | $1,902 |
| Minimum Coverage | $81 | $975 |
Compare Personalized Ventura Car Insurance Costs
Since your exact profile may differ from basic rate breakdowns, use the table below to filter Ventura car insurance rates by your age, driving record and other personal factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $221 | $2,657 | 16% |
Ventura Car Insurance Costs by ZIP Code
In Ventura, car insurance rates by ZIP code range from $81 to $160 per month, with ZIP code 93001 showing both the lowest and highest rates. Check the average rates for your ZIP code below.
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Zip Code:93001
| 93001 | $81 | $160 |
How to Get the Best Cheap Ventura Car Insurance
Finding affordable car insurance in Ventura can feel overwhelming, with local rates typically running higher than the California average. Our step-by-step guide will show you how to secure the coverage you need while keeping your premiums manageable.
- 1
Calculate your coverage requirements
Start by using our car insurance coverage needs calculator to determine the right coverage level for your situation. Consider your vehicle's value, your assets and California's minimum requirements to find your best option.
- 2
Explore alternative coverage options
Familiarize yourself with different types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance options.
- 3
Know the average costs
Research average vehicle insurance costs in Ventura to set realistic expectations. Understanding typical rates for your driver profile helps you recognize good deals and avoid overpaying for coverage.
- 4
Maximize available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts to maximize your savings.
- 5
Research insurance company ratings
Check customer reviews and financial strength ratings for insurers serving Ventura. Look for companies with strong claims-handling reputations and positive local customer feedback to make sure of reliable service when you need it most.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers to compare rates. Use a mix of online quote tools, local agents and direct company contact to get the most competitive rates available in Ventura.
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Review your policy annually
Set a yearly reminder to review your coverage and shop for new rates. Life changes, driving habits and insurance company pricing can all affect your premiums.
Cheapest Car Insurance in Ventura: Bottom Line
Car insurance rates in Ventura depend on your driving record, vehicle and coverage choices. GEICO and Progressive offer the lowest average premiums across different driver profiles, but compare quotes from multiple insurers to find your best rate.
Cheap Ventura Car Insurance: FAQ
Find straightforward answers about affordable car insurance in Ventura below. Our research helps you understand coverage options and save money while getting the protection you need. Each answer comes from detailed analysis of local insurance rates and requirements.
What is the cheapest car insurance company in Ventura, California?
GEICO offers the lowest rates in Ventura, with average annual premiums of $631 for minimum coverage and $1,306 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Ventura?
Progressive leads Ventura's car insurance providers with a MoneyGeek score of 90 out of 100, scoring three points higher than GEICO. Progressive delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Ventura?
In Ventura, drivers pay $1,902 for full coverage and $975 for minimum coverage car insurance annually. Actual rates vary based on individual factors.
Is car insurance in Ventura expensive?
Car insurance in Ventura costs more than average, ranking 1,174th for minimum coverage affordability and 1,142nd for full coverage compared to other California cities.
How We Chose the Best and Cheapest Car Insurance in Ventura, CA
To help Ventura drivers find the most affordable auto insurance companies, MoneyGeek analyzed Ventura auto insurance rates based on data and information from the California Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Ventura and hundreds of thousands of quotes for 12 companies offering auto insurance in California to tailor options as closely as possible to you.
Ventura Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Ventura with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Ventura
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in California are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Ventura based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.