Car Insurance in Ventura

GEICO leads Ventura's insurance market with minimum coverage at $631 per year, a price point 35% below the city's $975 average. Progressive offers an alternative at $817 annually for minimum coverage. GEICO also provides full coverage at $1,306 per year, 31% less than Ventura's average. 

Progressive charges $1,446 annually for full coverage. Given Ventura County's fire-prone hillsides and coastal exposure, comprehensive coverage helps residents protect against both wildfire smoke damage and salt air corrosion that can affect vehicles in beach communities.

Ventura insurance rates vary substantially by age. State Farm charges teen drivers $1,259 annually for minimum coverage, the lowest rate available for this age group. Adults with clean records pay $631 per year through GEICO, making the teen rate 100% higher. Seniors pay $685 annually with GEICO, only 9% more than adults, with differences reflecting higher accident rates among younger drivers. 

California law prohibits gender-based pricing, ensuring that male and female drivers pay identical rates within each age group in Ventura.

Young drivers in Ventura can find the lowest premiums with State Farm and GEICO. State Farm starts at $105 per month and GEICO follows at $107. Both providers price below the city average for drivers ages 16 to 25. 

Ventura’s mix of coastal highways and local suburban roads tends to raise risk for younger drivers, but these two companies still offer strong entry-level rates for those keeping a clean driving record.

GEICO offers the cheapest rates for adult drivers ages 26 to 64 in Ventura, coming in significantly lower than the city average. Progressive and AAA also deliver competitive pricing for adults who want low-cost options. Ventura commuters often travel between coastal routes and inland job centers, and drivers with stable records benefit from lower risk profiles that insurers reward with reduced monthly premiums.

Seniors in Ventura get the best pricing from GEICO. Minimum coverage averages $57 per month and full coverage costs $116. State Farm, Farmers and Progressive also provide reasonable alternatives for older drivers. 

Premiums for seniors tend to stay affordable in Ventura when drivers maintain steady mileage and avoid recent violations or claims.

High-risk drivers in Ventura will find the lowest starting prices with GEICO:

• DUI: from $127 per month
• Accident: from $93 per month
• Speeding ticket: from $79 per month
  

Rates remain higher for drivers with recent violations, but GEICO consistently offers the most affordable entry point across all high-risk categories.

GEICO offers Ventura’s lowest rates for drivers with a DUI. Minimum coverage rates average $127 per month and sit about 38% below the city average. Farmers, Mercury and Auto-Owners provide additional options for drivers comparing quotes. DUI-related premiums in Ventura remain elevated, but GEICO’s pricing offers meaningful savings during the surcharge period.

Ventura drivers with a recent at-fault accident can find the lowest premiums with GEICO. Average monthly rates start at $93, which is roughly 31% below typical city prices. Auto-Owners and Farmers follow with mid-range options. Accident surcharges can last several years, so revisiting quotes annually is useful for drivers working to lower costs.

For Ventura drivers with a speeding ticket, GEICO provides the most affordable minimum coverage at about $79 per month. Full coverage averages around $161. Progressive, AAA and Farmers also remain reasonably priced alternatives. Since speeding violations frequently raise rates in California, comparing multiple insurers can help lower the overall cost of insurance.

Progressive scored 90 out of 100 on MoneyGeek's Ventura analysis. GEICO earned 87 points, balancing affordable rates with efficient service. Both insurers maintain strong financial stability and offer dependable claims support for Ventura drivers. 

For coastal residents facing insurance needs related to California's challenging insurance market and regional wildfire risks, these companies provide the coverage reliability and claims responsiveness that matters most.

Typical Ventura premiums reach $975 per year for minimum coverage and $1,902 for full coverage. California's statewide averages run lower at $465 and $1,091 for minimum and full coverage, with Ventura's higher rates reflecting the costs associated with Southern California coastal living and the increased risk exposure from the region's fire and weather patterns. 

GEICO charges $631 annually for minimum coverage and $1,306 per year for full coverage.

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.

Finding affordable car insurance in Ventura can feel overwhelming, with local rates running higher than the California average. Follow these steps to get coverage while keeping your premiums manageable.

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.

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.

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 average car insurance quotes 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 policies.

California minimum coverage requirements:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

Full coverage policy limits used:

• $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.