Updated: January 28, 2026
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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 get minimum coverage starting at $52 monthly through GEICO (saves 35% below city average). Progressive is second cheapest at $68 monthly with 24% savings.
For full coverage, GEICO keeps its cost advantage at $108 monthly and Progressive offers comprehensive protection for $120 monthly.
Get quotes from multiple insurers for your ZIP code. Your driving record changes 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 is cheapest at $205 monthly, followed by State Farm at $216 and Wawanesa at $218.
Staying on your parents' coverage saves hundreds monthly. Completing a defensive driving course trims 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 is cheapest at $115 monthly for full coverage, followed by State Farm at $133 and Progressive at $149.
Beyond competitive base rates, seniors save by completing a defensive driving course (up to 10% off premiums for three years). Most insurers offer accident forgiveness programs 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 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 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 for claims handling and comprehensive digital service tools. Its claims Valet Service handles vehicle pickup and repair delivery, and 24/7 customer support and online policy management give convenience during Ventura's storm season.
Cheapest 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
No 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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.
