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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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2023

Cheapest and Best Car Insurance in Ventura, CA

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.

Company
Annual Premium
Monthly Premium

State Farm

$379

$32

GEICO

$388

$32

GEICO

$393

$33

AAA California

$430

$36

Mercury

$435

$36

Mercury

$445

$37

AAA California

$449

$37

GEICO

$462

$39

Progressive

$473

$39

Progressive

$480

$40

State Farm

$500

$42

National General

$528

$44

Travelers

$532

$44

Travelers

$532

$44

Nationwide

$541

$45

Kemper

$543

$45

State National

$543

$45

National General

$544

$45

AAA California

$547

$46

Mercury

$547

$46

State National

$560

$47

Progressive

$562

$47

Nationwide

$562

$47

State Farm

$571

$48

Hartford

$575

$48

Allstate

$589

$49

Allstate

$596

$50

Farmers

$600

$50

Travelers

$606

$50

Farmers

$617

$51

Kemper

$625

$52

Allstate

$639

$53

National General

$652

$54

Capital Insurance Group

$656

$55

Hartford

$657

$55

State National

$658

$55

Capital Insurance Group

$680

$57

Farmers

$701

$58

Chubb

$704

$59

Nationwide

$705

$59

Chubb

$725

$60

Capital Insurance Group

$762

$64

Kemper

$826

$69

Hartford

$849

$71

State Farm

$886

$74

National General

$899

$75

National General

$911

$76

GEICO

$941

$78

AAA California

$969

$81

GEICO

$972

$81

AAA California

$980

$82

Progressive

$998

$83

Mercury

$1,002

$84

Chubb

$1,003

$84

Progressive

$1,004

$84

Mercury

$1,019

$85

Allstate

$1,022

$85

Allstate

$1,074

$90

National General

$1,089

$91

GEICO

$1,125

$94

State Farm

$1,138

$95

State National

$1,160

$97

Nationwide

$1,178

$98

Allstate

$1,185

$99

Hartford

$1,185

$99

Progressive

$1,203

$100

State National

$1,243

$104

Nationwide

$1,272

$106

AAA California

$1,282

$107

Capital Insurance Group

$1,292

$108

Kemper

$1,295

$108

Travelers

$1,309

$109

Mercury

$1,320

$110

State Farm

$1,329

$111

Travelers

$1,359

$113

Hartford

$1,362

$114

Capital Insurance Group

$1,366

$114

Farmers

$1,410

$118

Farmers

$1,436

$120

State National

$1,522

$127

Capital Insurance Group

$1,537

$128

Kemper

$1,577

$131

Travelers

$1,602

$133

Chubb

$1,638

$137

Nationwide

$1,648

$137

Chubb

$1,690

$141

Farmers

$1,698

$141

Hartford

$1,764

$147

Kemper

$1,940

$162

Chubb

$2,405

$200

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.

Company
Annual Premium
Monthly Premium

State Farm

$379

$32

GEICO

$388

$32

GEICO

$393

$33

AAA California

$430

$36

Mercury

$435

$36

Mercury

$445

$37

AAA California

$449

$37

GEICO

$462

$39

Progressive

$473

$39

Progressive

$480

$40

State Farm

$500

$42

National General

$528

$44

Travelers

$532

$44

Travelers

$532

$44

Nationwide

$541

$45

Kemper

$543

$45

State National

$543

$45

National General

$544

$45

AAA California

$547

$46

Mercury

$547

$46

State National

$560

$47

Progressive

$562

$47

Nationwide

$562

$47

State Farm

$571

$48

Hartford

$575

$48

Allstate

$589

$49

Allstate

$596

$50

Farmers

$600

$50

Travelers

$606

$50

Farmers

$617

$51

Kemper

$625

$52

Allstate

$639

$53

National General

$652

$54

Capital Insurance Group

$656

$55

Hartford

$657

$55

State National

$658

$55

Capital Insurance Group

$680

$57

Farmers

$701

$58

Chubb

$704

$59

Nationwide

$705

$59

Chubb

$725

$60

Capital Insurance Group

$762

$64

Kemper

$826

$69

Hartford

$849

$71

State Farm

$886

$74

National General

$899

$75

National General

$911

$76

GEICO

$941

$78

AAA California

$969

$81

GEICO

$972

$81

AAA California

$980

$82

Progressive

$998

$83

Mercury

$1,002

$84

Chubb

$1,003

$84

Progressive

$1,004

$84

Mercury

$1,019

$85

Allstate

$1,022

$85

Allstate

$1,074

$90

National General

$1,089

$91

GEICO

$1,125

$94

State Farm

$1,138

$95

State National

$1,160

$97

Nationwide

$1,178

$98

Allstate

$1,185

$99

Hartford

$1,185

$99

Progressive

$1,203

$100

State National

$1,243

$104

Nationwide

$1,272

$106

AAA California

$1,282

$107

Capital Insurance Group

$1,292

$108

Kemper

$1,295

$108

Travelers

$1,309

$109

Mercury

$1,320

$110

State Farm

$1,329

$111

Travelers

$1,359

$113

Hartford

$1,362

$114

Capital Insurance Group

$1,366

$114

Farmers

$1,410

$118

Farmers

$1,436

$120

State National

$1,522

$127

Capital Insurance Group

$1,537

$128

Kemper

$1,577

$131

Travelers

$1,602

$133

Chubb

$1,638

$137

Nationwide

$1,648

$137

Chubb

$1,690

$141

Farmers

$1,698

$141

Hartford

$1,764

$147

Kemper

$1,940

$162

Chubb

$2,405

$200

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.

Company
Annual Premium
Monthly Premium

Mercury

$557

$46

National General

$558

$47

National General

$558

$47

AAA California

$570

$48

Mercury

$573

$48

State Farm

$575

$48

National General

$575

$48

National General

$575

$48

GEICO

$591

$49

AAA California

$597

$50

GEICO

$599

$50

State Farm

$601

$50

AAA California

$680

$57

National General

$687

$57

National General

$687

$57

GEICO

$694

$58

Mercury

$698

$58

GEICO

$701

$58

Mercury

$704

$59

GEICO

$706

$59

AAA California

$712

$59

Mercury

$716

$60

Kemper

$721

$60

Capital Insurance Group

$728

$61

AAA California

$730

$61

Capital Insurance Group

$754

$63

Capital Insurance Group

$759

$63

State Farm

$760

$63

State National

$768

$64

State National

$768

$64

Mercury

$776

$65

Capital Insurance Group

$788

$66

State National

$791

$66

State National

$791

$66

National General

$792

$66

State Farm

$794

$66

Mercury

$796

$66

Allstate

$815

$68

National General

$816

$68

Travelers

$818

$68

Travelers

$819

$68

Farmers

$820

$68

Farmers

$820

$68

Hartford

$824

$69

Hartford

$824

$69

Allstate

$826

$69

GEICO

$828

$69

Kemper

$832

$69

Nationwide

$836

$70

Farmers

$841

$70

Farmers

$841

$70

Capital Insurance Group

$847

$71

Progressive

$848

$71

Progressive

$864

$72

State Farm

$868

$72

Nationwide

$868

$72

AAA California

$872

$73

Mercury

$882

$74

Capital Insurance Group

$884

$74

Allstate

$890

$74

Chubb

$901

$75

State Farm

$906

$75

Travelers

$911

$76

Travelers

$913

$76

Chubb

$922

$77

Nationwide

$930

$78

State National

$933

$78

State National

$933

$78

Progressive

$936

$78

Allstate

$937

$78

Travelers

$939

$78

GEICO

$942

$79

National General

$943

$79

National General

$943

$79

Allstate

$949

$79

GEICO

$952

$79

Progressive

$954

$79

Farmers

$955

$80

Farmers

$955

$80

Hartford

$955

$80

Hartford

$955

$80

National General

$956

$80

National General

$956

$80

Nationwide

$966

$80

National General

$979

$82

Mercury

$983

$82

Progressive

$1,020

$85

Progressive

$1,023

$85

Farmers

$1,023

$85

Allstate

$1,024

$85

Progressive

$1,047

$87

Travelers

$1,049

$87

Farmers

$1,050

$88

Chubb

$1,092

$91

Nationwide

$1,095

$91

Travelers

$1,097

$91

Travelers

$1,097

$91

Kemper

$1,102

$92

Chubb

$1,114

$93

GEICO

$1,124

$94

Progressive

$1,128

$94

National General

$1,142

$95

National General

$1,142

$95

Capital Insurance Group

$1,142

$95

Capital Insurance Group

$1,183

$99

State Farm

$1,185

$99

Farmers

$1,195

$100

Chubb

$1,200

$100

Nationwide

$1,221

$102

Kemper

$1,230

$102

Kemper

$1,230

$102

Progressive

$1,237

$103

AAA California

$1,251

$104

Hartford

$1,261

$105

Hartford

$1,261

$105

AAA California

$1,264

$105

Travelers

$1,266

$106

State Farm

$1,316

$110

Mercury

$1,316

$110

National General

$1,329

$111

Capital Insurance Group

$1,330

$111

Mercury

$1,340

$112

National General

$1,349

$112

State Farm

$1,378

$115

State National

$1,382

$115

Chubb

$1,391

$116

Chubb

$1,410

$118

GEICO

$1,414

$118

State National

$1,425

$119

Chubb

$1,431

$119

GEICO

$1,460

$122

AAA California

$1,469

$122

Capital Insurance Group

$1,474

$123

AAA California

$1,475

$123

Allstate

$1,475

$123

Nationwide

$1,475

$123

AAA California

$1,479

$123

Kemper

$1,494

$125

Kemper

$1,494

$125

Capital Insurance Group

$1,512

$126

Nationwide

$1,535

$128

AAA California

$1,539

$128

Allstate

$1,554

$130

Capital Insurance Group

$1,561

$130

State Farm

$1,565

$130

GEICO

$1,585

$132

Capital Insurance Group

$1,600

$133

National General

$1,615

$135

GEICO

$1,634

$136

State National

$1,646

$137

State National

$1,646

$137

Mercury

$1,647

$137

AAA California

$1,658

$138

Allstate

$1,674

$140

Mercury

$1,677

$140

GEICO

$1,689

$141

State National

$1,690

$141

State Farm

$1,692

$141

Allstate

$1,701

$142

Chubb

$1,708

$142

Kemper

$1,721

$143

Allstate

$1,723

$144

Mercury

$1,741

$145

Capital Insurance Group

$1,759

$147

Hartford

$1,759

$147

Hartford

$1,759

$147

State National

$1,766

$147

State National

$1,766

$147

State Farm

$1,771

$148

Mercury

$1,771

$148

State Farm

$1,788

$149

Mercury

$1,798

$150

Capital Insurance Group

$1,804

$150

Allstate

$1,820

$152

Nationwide

$1,822

$152

Allstate

$1,841

$153

Progressive

$1,876

$156

Kemper

$1,884

$157

Kemper

$1,884

$157

Progressive

$1,888

$157

AAA California

$1,892

$158

GEICO

$1,894

$158

Allstate

$1,926

$161

Nationwide

$1,946

$162

Farmers

$1,946

$162

Farmers

$1,946

$162

AAA California

$1,947

$162

Hartford

$1,964

$164

Nationwide

$1,971

$164

State Farm

$1,973

$164

Farmers

$1,983

$165

Farmers

$1,983

$165

Travelers

$1,988

$166

Nationwide

$2,029

$169

Hartford

$2,033

$169

Hartford

$2,033

$169

Progressive

$2,051

$171

Travelers

$2,058

$172

State Farm

$2,066

$172

Progressive

$2,067

$172

Kemper

$2,096

$175

Chubb

$2,144

$179

Allstate

$2,144

$179

State National

$2,165

$180

State National

$2,165

$180

Mercury

$2,180

$182

Chubb

$2,195

$183

Nationwide

$2,196

$183

Travelers

$2,219

$185

GEICO

$2,252

$188

Progressive

$2,274

$189

Travelers

$2,291

$191

Capital Insurance Group

$2,306

$192

Hartford

$2,313

$193

GEICO

$2,324

$194

Progressive

$2,329

$194

Mercury

$2,332

$194

Farmers

$2,344

$195

Farmers

$2,344

$195

Progressive

$2,350

$196

Farmers

$2,432

$203

Capital Insurance Group

$2,442

$204

Travelers

$2,450

$204

Farmers

$2,478

$207

Progressive

$2,489

$207

Nationwide

$2,562

$214

Kemper

$2,582

$215

Chubb

$2,631

$219

Hartford

$2,660

$222

Hartford

$2,660

$222

Chubb

$2,683

$224

GEICO

$2,692

$224

State Farm

$2,723

$227

Travelers

$2,733

$228

Travelers

$2,746

$229

Capital Insurance Group

$2,757

$230

Progressive

$2,831

$236

Travelers

$2,851

$238

Nationwide

$2,860

$238

Kemper

$2,862

$239

Kemper

$2,862

$239

Chubb

$2,912

$243

Farmers

$2,929

$244

AAA California

$3,005

$250

AAA California

$3,020

$252

State National

$3,058

$255

Hartford

$3,138

$262

Allstate

$3,203

$267

Nationwide

$3,224

$269

State National

$3,287

$274

Allstate

$3,387

$282

Chubb

$3,398

$283

Travelers

$3,418

$285

Chubb

$3,444

$287

Nationwide

$3,493

$291

Chubb

$3,496

$291

State Farm

$3,501

$292

Kemper

$3,597

$300

Kemper

$3,597

$300

Allstate

$3,771

$314

AAA California

$3,979

$332

State National

$4,045

$337

State Farm

$4,081

$340

Chubb

$4,211

$351

Hartford

$4,231

$353

Kemper

$4,304

$359

Kemper

$4,304

$359

Nationwide

$4,566

$380

Hartford

$4,938

$412

Hartford

$6,572

$548

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,282

$2,061

GEICO

$1,312

$2,109

GEICO

$1,314

$2,323

GEICO

$1,329

$2,216

GEICO

$1,344

$2,161

GEICO

$1,351

$2,388

GEICO

$1,370

$2,523

GEICO

$1,388

$2,453

GEICO

$1,522

$2,276

Progressive

$1,551

$2,474

Progressive

$1,551

$2,474

GEICO

$1,572

$2,599

Allstate

$1,576

$2,540

Allstate

$1,576

$2,540

Nationwide

$1,607

$3,327

Nationwide

$1,607

$3,327

Allstate

$1,650

$2,659

Allstate

$1,650

$2,659

Progressive

$1,679

$2,678

Progressive

$1,679

$2,678

Allstate

$1,692

$2,954

Allstate

$1,692

$2,954

Kemper

$1,694

$3,417

Kemper

$1,694

$3,417

Allstate

$1,709

$2,754

Allstate

$1,709

$2,754

Capital Insurance Group

$1,725

$2,206

Capital Insurance Group

$1,725

$2,206

Nationwide

$1,762

$3,648

Nationwide

$1,762

$3,648

Kemper

$1,789

$3,609

Kemper

$1,789

$3,609

Progressive

$1,796

$3,309

Progressive

$1,796

$3,309

State Farm

$1,813

$2,660

State Farm

$1,813

$2,660

Allstate

$1,813

$2,967

Allstate

$1,813

$2,967

Nationwide

$1,818

$4,172

Nationwide

$1,818

$4,172

Farmers

$1,828

$2,611

Farmers

$1,828

$2,611

Progressive

$1,881

$3,000

Progressive

$1,881

$3,000

Kemper

$1,883

$4,243

Kemper

$1,883

$4,243

State Farm

$1,886

$2,767

State Farm

$1,886

$2,767

Nationwide

$1,889

$3,910

Nationwide

$1,889

$3,910

State Farm

$1,918

$3,002

State Farm

$1,918

$3,002

State Farm

$1,929

$2,831

State Farm

$1,929

$2,831

Kemper

$1,946

$3,925

Kemper

$1,946

$3,925

GEICO

$1,959

$3,308

Travelers

$1,961

$2,664

Travelers

$1,961

$2,664

Capital Insurance Group

$1,964

$2,613

Capital Insurance Group

$1,964

$2,613

Travelers

$2,030

$2,758

Travelers

$2,030

$2,758

GEICO

$2,036

$3,815

Capital Insurance Group

$2,043

$2,613

Capital Insurance Group

$2,043

$2,613

Capital Insurance Group

$2,043

$2,613

Capital Insurance Group

$2,043

$2,613

Farmers

$2,048

$3,028

Farmers

$2,048

$3,028

State Farm

$2,055

$3,061

State Farm

$2,055

$3,061

Travelers

$2,071

$2,960

Travelers

$2,071

$2,960

Allstate

$2,080

$3,782

Allstate

$2,080

$3,782

Allstate

$2,114

$3,459

Allstate

$2,114

$3,459

Travelers

$2,115

$2,874

Travelers

$2,115

$2,874

Farmers

$2,121

$3,028

Farmers

$2,121

$3,028

Farmers

$2,121

$3,028

Farmers

$2,121

$3,028

Nationwide

$2,128

$4,573

Nationwide

$2,128

$4,573

GEICO

$2,143

$3,204

Kemper

$2,181

$4,499

Kemper

$2,181

$4,499

State Farm

$2,182

$3,408

State Farm

$2,182

$3,408

State Farm

$2,202

$3,279

State Farm

$2,202

$3,279

GEICO

$2,227

$3,683

Progressive

$2,228

$3,629

Progressive

$2,228

$3,629

Capital Insurance Group

$2,280

$2,939

Capital Insurance Group

$2,280

$2,939

Farmers

$2,290

$3,472

Farmers

$2,290

$3,472

Travelers

$2,310

$3,107

Travelers

$2,310

$3,107

Kemper

$2,363

$4,873

Kemper

$2,363

$4,873

Capital Insurance Group

$2,364

$2,939

Capital Insurance Group

$2,364

$2,939

Kemper

$2,383

$5,373

Kemper

$2,383

$5,373

State Farm

$2,425

$4,322

State Farm

$2,425

$4,322

Farmers

$2,475

$3,998

Farmers

$2,475

$3,998

Farmers

$2,498

$3,787

Farmers

$2,498

$3,787

Travelers

$2,507

$3,584

Travelers

$2,507

$3,584

Capital Insurance Group

$2,532

$3,264

Capital Insurance Group

$2,532

$3,264

Travelers

$2,546

$3,423

Travelers

$2,546

$3,423

State Farm

$2,571

$4,582

State Farm

$2,571

$4,582

Farmers

$2,606

$5,152

Farmers

$2,606

$5,152

Nationwide

$2,623

$6,323

Nationwide

$2,623

$6,323

State Farm

$2,625

$5,134

State Farm

$2,625

$5,134

Farmers

$2,670

$5,389

Farmers

$2,670

$5,389

Farmers

$2,679

$5,295

Farmers

$2,679

$5,295

GEICO

$2,706

$4,784

Allstate

$2,775

$5,438

Allstate

$2,775

$5,438

Progressive

$2,777

$5,136

Progressive

$2,777

$5,136

Nationwide

$2,798

$6,012

Nationwide

$2,798

$6,012

GEICO

$2,836

$5,561

Allstate

$2,874

$5,729

Allstate

$2,874

$5,729

GEICO

$2,901

$5,341

Allstate

$2,923

$5,729

Allstate

$2,923

$5,729

Progressive

$2,952

$4,809

Progressive

$2,952

$4,809

GEICO

$2,975

$5,260

GEICO

$3,058

$6,286

GEICO

$3,132

$6,140

Progressive

$3,205

$6,530

Progressive

$3,205

$6,530

Progressive

$3,226

$6,587

Progressive

$3,226

$6,587

Progressive

$3,238

$6,597

Progressive

$3,238

$6,597

Capital Insurance Group

$3,250

$4,039

Capital Insurance Group

$3,250

$4,039

Capital Insurance Group

$3,250

$4,039

Capital Insurance Group

$3,250

$4,039

Capital Insurance Group

$3,250

$4,039

Capital Insurance Group

$3,250

$4,039

Travelers

$3,351

$4,519

Travelers

$3,351

$4,519

Travelers

$3,501

$4,721

Travelers

$3,501

$4,721

Travelers

$3,508

$4,955

Travelers

$3,508

$4,955

Kemper

$3,595

$7,336

Kemper

$3,595

$7,336

Kemper

$3,938

$8,037

Kemper

$3,938

$8,037

Kemper

$3,974

$8,958

Kemper

$3,974

$8,958

Nationwide

$3,984

$8,548

Nationwide

$3,984

$8,548

Nationwide

$4,480

$9,611

Nationwide

$4,480

$9,611

Nationwide

$4,624

$11,600

Nationwide

$4,624

$11,600

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.

Company
Annual Premium
Monthly Premium

USAA

$362

$30

USAA

$362

$30

State Farm

$379

$32

GEICO

$388

$32

GEICO

$393

$33

AAA California

$430

$36

Mercury

$435

$36

USAA

$437

$36

Mercury

$445

$37

AAA California

$449

$37

GEICO

$462

$39

Progressive

$473

$39

Progressive

$480

$40

State Farm

$500

$42

National General

$528

$44

Travelers

$532

$44

Travelers

$532

$44

Nationwide

$541

$45

Kemper

$543

$45

State National

$543

$45

National General

$544

$45

AAA California

$547

$46

Mercury

$547

$46

State National

$560

$47

Progressive

$562

$47

Nationwide

$562

$47

State Farm

$571

$48

Hartford

$575

$48

Allstate

$589

$49

Allstate

$596

$50

Farmers

$600

$50

Travelers

$606

$50

Farmers

$617

$51

Kemper

$625

$52

Allstate

$639

$53

National General

$652

$54

Capital Insurance Group

$656

$55

Hartford

$657

$55

State National

$658

$55

Capital Insurance Group

$680

$57

Farmers

$701

$58

Chubb

$704

$59

Nationwide

$705

$59

Chubb

$725

$60

Capital Insurance Group

$762

$64

USAA

$815

$68

Kemper

$826

$69

USAA

$834

$69

Hartford

$849

$71

State Farm

$886

$74

National General

$899

$75

National General

$911

$76

GEICO

$941

$78

AAA California

$969

$81

GEICO

$972

$81

AAA California

$980

$82

USAA

$996

$83

Progressive

$998

$83

Mercury

$1,002

$84

Chubb

$1,003

$84

Progressive

$1,004

$84

Mercury

$1,019

$85

Allstate

$1,022

$85

Allstate

$1,074

$90

National General

$1,089

$91

GEICO

$1,125

$94

State Farm

$1,138

$95

State National

$1,160

$97

Nationwide

$1,178

$98

Allstate

$1,185

$99

Hartford

$1,185

$99

Progressive

$1,203

$100

State National

$1,243

$104

Nationwide

$1,272

$106

AAA California

$1,282

$107

Capital Insurance Group

$1,292

$108

Kemper

$1,295

$108

Travelers

$1,309

$109

Mercury

$1,320

$110

State Farm

$1,329

$111

Travelers

$1,359

$113

Hartford

$1,362

$114

Capital Insurance Group

$1,366

$114

Farmers

$1,410

$118

Farmers

$1,436

$120

State National

$1,522

$127

Capital Insurance Group

$1,537

$128

Kemper

$1,577

$131

Travelers

$1,602

$133

Chubb

$1,638

$137

Nationwide

$1,648

$137

Chubb

$1,690

$141

Farmers

$1,698

$141

Hartford

$1,764

$147

Kemper

$1,940

$162

Chubb

$2,405

$200

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

Affordable insurance premiums

Above-average customer satisfaction

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

cons

Low claims and coverage scores

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

Very high customer satisfaction

Highest claims rating

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

cons

Below-average coverage score

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

Minimum coverage costs $393 per month

Above-average customer satisfaction

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

cons

Poor coverage and claims scores

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.