Updated: May 15, 2026
Advertising & Editorial Disclosure
GEICO: Most affordable for diverse driver types in Ventura. Full coverage starts at $108 per month while minimum coverage costs $52, putting drivers 18% below the city average.
Progressive: Runner-up for affordability, with full coverage at $120 per month and minimum coverage at $68 per month. Rates are especially competitive for higher-risk drivers.
AAA: Third most affordable option in Ventura. AAA consistently ranks among the top choices for cost-conscious drivers across multiple driver categories.
Cheapest by Coverage and Driver Profile in Ventura:
You can get minimum coverage starting at $52 monthly through GEICO (saves 35% below the city average). Progressive is the second cheapest at $68 monthly with 24% savings.
For full coverage, GEICO costs $108 monthly, and Progressive costs $120 monthly.
| 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 is the cheapest at $205 monthly, followed by State Farm at $216 and Wawanesa at $218.
You save by staying on your parents' coverage. You also save by completing a defensive driving course.
| 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 is the cheapest at $115 monthly for full coverage. The next most affordable is State Farm at $133 and then Progressive at $149. Seniors save by completing a defensive driving course.
| 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 is cheapest for DUIs at $126 monthly for minimum protection. Farmers is second at $133. For speeding tickets, GEICO costs $78 monthly and Auto-Owners is close behind at $99. For at-fault accidents, GEICO is cheapest at $93 monthly compared to Auto-Owners at $102.
Insurers weigh violations differently, so shop around after any incident to find better rates. Serious offenses like DUIs can hit 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 affects your car insurance rate in Ventura, though the differences between neighborhoods are small. ZIP code 93001 averages $160 per month for full coverage; 93003 averages $157 per month. That $3 difference 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 | 90.07 | 2 | 3 | 2 |
| Geico | 87.12 | 1 | 7 | 7 |
| Mercury Insurance | 81.2 | 4 | 6 | 5 |
| AAA | 81.17 | 3 | 5 | 7 |
| Auto Owners | 80.09 | 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 for claims handling and comprehensive digital service tools. Its claims Valet Service handles vehicle pickup and repair delivery. It also has 24/7 customer support.
Cheapest rates in Ventura
Mobile app includes roadside assistance
Covers high-risk drivers
Limited specialized coverage options
No local agents
Below-average customer satisfaction scores
GEICO has the lowest rates in Ventura for most driver types, including young drivers, seniors and those with violations such as at-fault accidents or DUI convictions. Its mobile app and online tools handle most service needs, though drivers who prefer in-person support won't find local agents.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He writes about economics and insurance on MoneyGeek so people can make coverage decisions with confidence. His insurance insights have been featured in The Washington Post, The New York Times and NPR, among other media outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!
