Updated: December 15, 2025
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GEICO: Most affordable for diverse driver types in Ventura. Full coverage starts at $108 monthly while minimum coverage costs just $52, putting drivers 18% below the city's average rates.
Progressive: Runner-up for affordability at $120 monthly for full coverage and $68 for minimum coverage. This insurer offers especially competitive rates for higher-risk drivers.
AAA: Third most affordable option that provides value for Ventura drivers. AAA consistently ranks among the top choices for cost-conscious policyholders across multiple driver categories.
Cheapest by Coverage and Driver Profile in Ventura:
In Ventura, drivers can secure minimum coverage starting at just $52 monthly through GEICO, delivering impressive savings of 35% below the city average. Progressive follows as the second most affordable option at $68 per month, still providing 24% in savings.
When it comes to full coverage protection, GEICO maintains its cost advantage at $108 monthly, while Progressive offers comprehensive protection for $120 per month.
Get quotes from multiple insurers for your specific ZIP code, and your driving record influences your final premium.
| Geico | $53 | $109 | -35% |
| Progressive | $68 | $120 | -24% |
| AAA | $72 | $140 | -14% |
| State Farm | $74 | $154 | -8% |
| Mercury Insurance | $77 | $144 | -10% |
Not in Ventura? Read more about the cheapest car insurance in California or the best car insurance in California.
GEICO offers the most affordable coverage at $205 monthly, followed closely by State Farm at $216 and Wawanesa at $218.
Consider staying on your parents' coverage, which saves hundreds of dollars each month. Completing a defensive driving course can also trim 5% to 15% off your premium.
| Geico | $205 | $2,462 | -30% |
| State Farm | $216 | $2,593 | -26% |
| Wawanesa Insurance | $218 | $2,618 | -25% |
| AAA | $248 | $2,980 | -15% |
| Progressive | $268 | $3,221 | -8% |
GEICO has the most affordable rates at $115 monthly for full coverage, followed by State Farm at $133 and Progressive at $149.
Beyond competitive base rates, seniors can save by completing a defensive driving course, which delivers up to 10% off premiums for three years. Most insurers extend accident forgiveness programs specifically for drivers 65 and older.
| Geico | $116 | $1,390 | -37% |
| State Farm | $134 | $1,602 | -27% |
| Progressive | $149 | $1,790 | -19% |
| Allstate | $154 | $1,851 | -16% |
| Wawanesa Insurance | $158 | $1,895 | -14% |
GEICO offers the most affordable coverage for DUIs at $126 monthly for minimum protection, while Farmers follows at $133. For speeding tickets, GEICO costs $78 per month, with Auto-Owners is close behind at $99. At-fault accidents also see GEICO as the cheapest option at $93 monthly, compared to Auto-Owners at $102.
Since insurers weigh violations differently, shopping around after any incident is important for finding better rates. Serious offenses like DUIs can impact your premiums for up to 10 years in Ventura.
| At-Fault Accident | Geico | $93 | -31% |
| At-Fault Accident | Auto Owners | $102 | -25% |
| DUI | Geico | $127 | -38% |
| DUI | Farmers | $134 | -34% |
| Speeding Ticket | Geico | $79 | -36% |
| Speeding Ticket | Auto Owners | $100 | -20% |
Your ZIP code matters when shopping for car insurance in Ventura. The difference between neighborhoods is relatively small but still worth knowing about.
ZIP code 93001 averages $160 monthly for full coverage, while 93003 comes in at $157 monthly. That $3 gap reflects how location-specific factors like local accident rates and traffic patterns influence your premium.
| 93001 | $160 |
| 93003 | $157 |
| 93003 | $157 |
| 93001 | $160 |
Progressive takes the top spot in Ventura with a MoneyGeek score of 90 out of 100. This insurer has excellent coverage options and offers good affordability, service and comprehensive coverage. GEICO, Mercury, AAA and Auto-Owners round out the city's best insurance choices.
| Progressive | 90 | 2 | 3 | 2 |
| Geico | 87 | 1 | 7 | 7 |
| Mercury Insurance | 81 | 4 | 6 | 5 |
| AAA | 81 | 3 | 5 | 7 |
| Auto Owners | 80 | 8 | 1 | 6 |
Claims Valet Service handles repairs from pickup to delivery
Snapshot program rewards safe drivers with discounts
Comprehensive coverage options for all driver types
Higher rates than GEICO and State Farm
No accident forgiveness or vanishing deductibles available
Inconsistent claims support and slow response times
Progressive ranks first in Ventura through its claims handling and comprehensive digital service tools. The company's Claims Valet Service handles vehicle pickup and repair delivery, while 24/7 customer support and online policy management provide convenience during Ventura's storm season.
Most affordable rates across all driver types
Comprehensive mobile app with roadside assistance features
Covers high-risk drivers, including DUI situations
Limited coverage options for specialized needs
Lacks local agents for face-to-face service
Below-average customer experience in Ventura
GEICO offers affordability and a digital-first service approach that fits the city's fast-paced lifestyle. The company offers the lowest rates for young drivers, seniors, and those with violations, including accidents and DUI convictions.
Ventura drivers know insurance costs can feel overwhelming, but smart shopping strategies can mean good savings.
Combine your auto policy with home or renters insurance for 15% to 25% savings. Stack on multi-car discounts (10% to 25% per vehicle) plus good driver and paperless billing benefits. Total potential savings can reach 30% to 40% when you layer these discounts together.
Increasing your deductible from $500 to $1,000 reduces your annual premium by 10% to 15%. This strategy works best when you have enough cash saved to cover the higher out-of-pocket amount.
Insurance companies regularly adjust their rates based on Ventura's changing risk factors and claims data.
Our Ventura FAQ answers your top insurance questions.
Car insurance in Ventura runs about $158 monthly for full coverage. While that's not cheap, it sits in the middle range for California. The most expensive area, Granada Hills, averages $243 per month, while Weed offers the lowest rates at just $47 monthly.
Finding affordable car insurance in Ventura starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and California’s insurance requirements all shape your premium.
We partnered with the California Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Ventura ZIP code.
Our ratings for the best car insurance in Ventura are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Ventura neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
