Cheapest and Best Car Insurance Companies in Ventura, CA


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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GEICO has the cheapest minimum coverage insurance for Ventura's drivers, while National General offers the least expensive full coverage policy. National General is also the cheapest after a ticket, an at-fault accident or a DUI record. USAA provides the most affordable military insurance, while State Farm is the cheapest for teens.

GEICO is the city’s best overall insurer and best cheap insurer, while Chubb excels in customer service. Depending on your driving record and needs, the cheapest company may vary.

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2024

Cheapest and Best Car Insurance in Ventura, CA

Why Trust MoneyGeek? MoneyGeek developed a scoring system to assess California's insurance companies based on customer experience, affordability, financial soundness and claims administration. We used data from the California Department of Insurance and Quadrant Information Services.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Ventura

The following companies in Ventura have the most affordable minimum coverage policies:

  • GEICO: $393 per year
  • AAA California: $430 per year

The most expensive premium comes from Chubb, which charges $704 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$393Monthly Premium$33
AAA CaliforniaAnnual Premium$430Monthly Premium$36
MercuryAnnual Premium$435Monthly Premium$36
ProgressiveAnnual Premium$473Monthly Premium$39
State FarmAnnual Premium$500Monthly Premium$42
National GeneralAnnual Premium$528Monthly Premium$44
TravelersAnnual Premium$532Monthly Premium$44
KemperAnnual Premium$543Monthly Premium$45

According to California law, drivers in Ventura are required to have the following minimum limits:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Liability-only insurance or minimum coverage will only cover third-party injuries and property damage. So, according to California's minimum coverage requirements, your insurance company in Ventura will only cover up to $5,000 in damage to another’s property. Any additional costs for property damage are your responsibility.

Cheapest Full Coverage Car Insurance in Ventura

The following insurance companies offer Ventura drivers the most affordable full coverage car insurance:

  • National General: $899 per year
  • GEICO: $972 per year

Again, Chubb is the most costly option for full coverage insurance at $1,638 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$899Monthly Premium$75
GEICOAnnual Premium$972Monthly Premium$81
AAA CaliforniaAnnual Premium$980Monthly Premium$82
ProgressiveAnnual Premium$998Monthly Premium$83
MercuryAnnual Premium$1,019Monthly Premium$85
AllstateAnnual Premium$1,074Monthly Premium$90
State FarmAnnual Premium$1,138Monthly Premium$95
State NationalAnnual Premium$1,243Monthly Premium$104

Full coverage policies have higher liability limits and come with collision and comprehensive insurance.

  • Collision Insurance: Covers damages if your automobile collides with a stationary item or another moving object.
  • Comprehensive Insurance: Protects your car from non-collision damage brought on by unanticipated incidents like theft, weather damage or vandalism.

New cars are large investments, and it makes sense to safeguard them with full coverage. Yet, getting full coverage for older automobiles with low values may not always be cost-effective.

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Cheapest Car Insurance in Ventura After a Driving Offense

Our study identified the following Ventura provider as the cheapest for those with moving violations:

  • Speeding ticket: National General ($943 per year)
  • At-fault accident: National General ($1,329 per year)
  • DUI: National General ($943 per year)

The three companies with the highest average rates are Hartford ($4,938) for DUI drivers, Nationwide ($2,196) after a speeding ticket and Kemper ($2,862) after an at-fault accident. Regardless of the provider, you can anticipate higher premiums after a traffic violation in Ventura.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$943Monthly Premium$79
AAA CaliforniaAnnual Premium$1,264Monthly Premium$105
MercuryAnnual Premium$1,340Monthly Premium$112
GEICOAnnual Premium$1,460Monthly Premium$122
AllstateAnnual Premium$1,554Monthly Premium$130
Capital Insurance GroupAnnual Premium$1,561Monthly Premium$130
State FarmAnnual Premium$1,692Monthly Premium$141
KemperAnnual Premium$1,721Monthly Premium$143

You will likely pay higher premiums based on the severity of the traffic violation. For instance, drivers in Ventura convicted of DUI should anticipate a premium increase of $1,08, while those with speeding tickets will have an increase of $520. Yet, you can still find cheaper auto insurance with a bad driving record.

Cheapest Car Insurance in Ventura for Teens and Their Families

The following companies in Ventura offer the most affordable full coverage insurance for teenagers on their parents' policy:

  • State Farm: $2,625 yearly for female and male teens
  • Farmers: $2,670 yearly for female and male teens

Nationwide has the most expensive policy, costing around $4,624 annually for male and female teens. In Ventura, State Farm premiums cost the same average for both genders. Male teens frequently pay more because insurers view them as high-risk drivers. As they approach early adulthood, this disparity becomes less significant. Always check prices from various insurance providers to avoid paying more.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,625Individual Plan Monthly Premium$5,134
FarmersFamily Plan Annual Premium$2,670Individual Plan Monthly Premium$5,389
AllstateFamily Plan Annual Premium$2,874Individual Plan Monthly Premium$5,729
GEICOFamily Plan Annual Premium$2,901Individual Plan Monthly Premium$5,341
ProgressiveFamily Plan Annual Premium$3,226Individual Plan Monthly Premium$6,587
Capital Insurance GroupFamily Plan Annual Premium$3,250Individual Plan Monthly Premium$4,039
TravelersFamily Plan Annual Premium$3,508Individual Plan Monthly Premium$4,955
KemperFamily Plan Annual Premium$3,974Individual Plan Monthly Premium$8,958

Adding a teen driver to an existing family policy is more cost-effective than purchasing a separate policy. For instance, in Ventura, purchasing individual insurance for a male teen costs $673 more than including him under a parent's policy, a 15% difference. To save money, compare the best and cheap auto insurance for adding teenagers to a family policy.

Cheapest Car Insurance in Ventura for Military Drivers

Active duty, retired and veteran service members, as well as their families, can get the cheapest military auto insurance (full coverage) from the following Ventura companies:

  • USAA: $834 per year
  • National General: $899 per year

If you only need minimum coverage insurance, USAA offers the cheapest option at $362 per year, followed by GEICO at $393 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$834Monthly Premium$69
National GeneralAnnual Premium$899Monthly Premium$75
GEICOAnnual Premium$972Monthly Premium$81
AAA CaliforniaAnnual Premium$980Monthly Premium$82
ProgressiveAnnual Premium$998Monthly Premium$83
MercuryAnnual Premium$1,019Monthly Premium$85
AllstateAnnual Premium$1,074Monthly Premium$90
State FarmAnnual Premium$1,138Monthly Premium$95

How to Compare Cheap Ventura Car Insurance Quotes Online

Comparing auto insurance prices online can be time-consuming. Expect to spend 15 minutes or longer providing personal information to receive insurance quotations from a single company. MoneyGeek's auto insurance calculator may be a helpful tool that can quickly estimate rates based on your age, driving history, vehicle type and desired coverage.

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Best Car Insurance in Ventura: Summary

The best insurance may vary depending on your affordability and service quality preferences. MoneyGeek identified the best car insurance providers in Ventura as the following:

  • Best overall: GEICO (MoneyGeek score of 72 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

MoneyGeek scores can differ for the same company, depending on the weightings for each category. While AAA is the top car insurer in California, this can vary by location, as it does in Ventura. If you are a military member, USAA is your best option (MoneyGeek score of 85).

Best Overall Car Insurance in Ventura

Based on customer satisfaction, claims handling score and other variables, the top car insurance companies in Ventura are:

  • GEICO: MoneyGeek score of 72 out of 100 ($972 per year)
  • Progressive: MoneyGeek score of 70 out of 100 ($998 per year)

GEICO's high customer satisfaction and affordability scores make it the ideal choice for drivers looking for a cheaper plan with good customer service. With an average annual premium of $834 and a MoneyGeek rating of 85, USAA is the top choice for military personnel.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Affordable insurance premiums

checkmark

Above-average customer satisfaction

checkmark

Offers mechanical breakdown insurance (MBI), classic car insurance and roadside assistance

cons

close

Low claims and coverage scores

close

Does not offer accident forgiveness, gap insurance, deductible modification, new car or better car replacement

COMPANY HIGHLIGHTS

In Ventura, GEICO offers the second most affordable policy. It has the fourth-highest customer satisfaction rating among 13 competitors and provides a range of coverages relevant to most drivers. Its MBI coverage is rare and includes all parts and systems, not just those covered by standard dealer warranties. MBI is available for new or leased vehicles no older than 15 months and with fewer than 15,000 miles.

GEICO's roadside assistance will pay for flat tires, jumpstarts, lockout services and towing if your car becomes undrivable on the road. It also offers a classic or antique car insurance policy, which includes liability coverage, uninsured and underinsured motorist coverage and medical coverages like personal injury protection and medical payments coverage.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Ventura for Customer Service

Not considering cost, the following companies provide the best customer service in Ventura:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,638 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,366 per year)

Chubb beat its competitors in claims management and received very high scores for customer satisfaction. It offers the best service overall but at a higher rate than its competitors.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Very high customer satisfaction

checkmark

Highest claims rating

checkmark

Offers original equipment manufacturer (OEM), rental car reimbursement, diminished value coverage and classic car insurance

cons

close

Below-average coverage score

close

Does not offer roadside assistance, gap insurance, new car replacement, better car replacement, accident forgiveness or deductible modification

COMPANY HIGHLIGHTS

In addition to offering outstanding customer service, Chubb offers special coverages. Its OEM coverage lets you repair your vehicle using original parts after a covered loss. Compared to aftermarket components, original equipment parts maintain your vehicle's performance, which helps you drive safely. Chubb's classic car insurance may be handy for garaged or hobby-driven classic automobile owners.

If your vehicle is stolen or totaled and you have Chubb's optional agreed value coverage, you will get the value that was agreed upon when you purchased the policy. This coverage can help you save a substantial amount of money. Chubb's rental car reimbursement policy will cover the cost of renting a similar replacement vehicle for as long as your vehicle is undrivable, up to $5,000.

Best Cheap Car Insurance in Ventura

The best cheap companies in Ventura for minimum coverage auto insurance based on their affordability and customer service are:

  • GEICO: MoneyGeek score of 78 out of 100 ($393 per year)
  • AAA California: MoneyGeek score of 69 out of 100 ($430 per year)

Although minimum coverage insurance may be attractive for its affordability, these policies may not provide enough liability insurance and don’t cover the cost of damages to your car.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Minimum coverage costs $393 per month

checkmark

Above-average customer satisfaction

checkmark

Offers seat belt use, good student, teacher, emergency deployment, safe driving and federal employee discounts

cons

close

Poor coverage and claims scores

close

No discounts for going paperless or paying in full

COMPANY HIGHLIGHTS

GEICO's minimum coverage insurance is the cheapest in Ventura. Its above-average customer satisfaction rating speaks to its quality service and affordable rates.

GEICO provides a variety of exclusive and standard discounts that benefit the majority of policyholders. Teachers and deployed military policyholders are eligible for special discounts. You may also qualify for a discount if you are a retired or active federal employee. Also eligible for discounts are full-time students with a strong academic record, senior drivers and motorists who have completed defensive driving or driver education programs.

Having daytime running lights in your vehicle can get you a special discount with GEICO. The company also offers discounted premiums to drivers with anti-lock brakes, airbags and anti-theft devices, those who use seat belts and safe drivers.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Ventura

Full coverage insurance costs around $1,189 yearly in Ventura as of October 2022. This amount is only $76 lower than the average auto insurance rate in the US and $198 less than California’s average. These costs apply to bodily injury liability up to $100,000 per person/$300,000 per accident and property damage liability up to $100,000. Ventura’s average car insurance cost is lower than the state auto insurance average, but your premiums will vary substantially based on where you live.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.