Compare the Cheapest Car Insurance Quotes in Ventura

In the city of Ventura, drivers pay an average of $1,205 per year for car insurance, which is 15.7% less than the state average. Esurance is the cheapest at an average of $882 per year. MoneyGeek determined the cheapest premiums by driving history and elected coverage amount. MoneyGeek also assessed the best companies in Ventura based on quality and affordability.

REVIEW AUTO INSURANCE RATES

Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 11/14/2022
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The cheapest car insurance companies in Ventura depend on elected coverage and driver profile. Esurance is the cheapest for full coverage and for drivers with a speeding ticket. Progressive is the cheapest option for state minimum coverage. For military families, USAA is the recommended provider. AAA is the overall best car insurance for affordability and excellent customer service.

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The Cheapest and Best Car Insurance in Ventura

The Cheapest Car Insurance Companies in Ventura

For a full coverage policy, the most affordable options for Ventura drivers are:

  • Esurance: $882 per year
  • MetLife: $961 per year

Based on average rates, Esurance offers the most affordable full coverage policy in Ventura. It is 67.5% less expensive than a similar policy with Travelers, the most expensive provider in the city. A full coverage policy includes comprehensive and collision coverage, but your premium rates will fluctuate based on elected liability coverage.

Cheapest Car Insurance in Ventura
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $882
  • 2.
    MetLife
    $961
  • 3.
    Progressive
    $1,032
  • 4.
    AAA
    $1,066
  • 5.
    USAA
    $1,079
  • 6.
    GEICO
    $1,139
  • 7.
    Allstate
    $1,159
  • 8.
    Mercury
    $1,182
  • 9.
    State Farm
    $1,277
  • 10.
    Hartford
    $1,395
  • 11.
    Farmers
    $1,426
  • 12.
    Allied
    $1,467
  • 13.
    Travelers
    $1,477

Per MoneyGeek’s methodology, the average insurance rates used in this analysis are based on the driving profile of a 40-year-old male Ventura resident with a clean driving record and a full coverage policy.

Full auto coverage offers protection against financial loss due to damages to your vehicle. It is typically more expensive than minimum coverage and includes comprehensive and collision insurance.

  • Comprehensive insurance: In the event of a non-accident incident, such as theft, vandalism, animal damage or weather-related occurrence, damages to your vehicle will be covered.
  • Collision insurance: In the event of an at-fault collision, damages to your vehicle will be covered.

If you have an older car, calculate your insurance expenses. Having full coverage on an older vehicle can be more costly than its worth. You may want to consider liability-only or state minimum car insurance instead.

Compare Car Insurance Rates in Ventura

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Ventura for Minimum Coverage

In Ventura, the cheapest car insurance providers offering policies that only meet the minimum coverage requirement are:

  • Progressive: $474 per year
  • AAA: $487 per year

USAA offers the most affordable average rate of $446. However, only military families are qualified for USAA policies.

Progressive policyholders in Ventura typically save $304 or more than policyholders insured by Farmers, the most expensive provider in the city.

Minimum coverage is your cheapest option, but it does not include comprehensive and collision coverage. It has low levels of liability coverage. Toggle the table below to see how prices can fluctuate depending on liability coverage level.

Cheapest Minimum Liability Car Insurance in Ventura
State Minimum

California’s minimum car insurance requirement includes liability coverage with 15/30/5 limits. While it is the cheapest insurance you can buy in Ventura, it offers the least protection. Additionally, you may end up paying more out of pocket in the event of an accident.

For example, if an at-fault accident leads to $35,000 in medical bills, the insurance provider will only cover $30,000. The remaining $5,000 will be your responsibility out of pocket.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Ventura if You Have Driving Violations

Driving violations, including at-fault accidents, DUIs and tickets, will raise insurance costs. The car insurance companies in Ventura offering the best quotes for drivers with driving violations will depend on the type of violation.

  • Cheapest after a ticket: Esurance at $1,112 per year
  • Cheapest after an at-fault accident: Esurance at $1,371 per year
  • Cheapest after a DUI: Mercury at $1,371 per year

Ventura drivers with poor driving records can improve them over time and get cheaper insurance rates. In the meantime, the best way to find cheap car insurance for drivers with a bad record is to shop around.

Cheapest Car Insurance in Ventura With a Violation
Speeding Ticket

Average Cost of Car Insurance in Ventura

Ventura$1,205
California$1,429
U.S.$1,424

The average car insurance rate in Ventura is $1,205 per year, which is cheaper than both the state and national averages. Ventura drivers typically pay 15.7% less for car insurance than the average annual rate in California and 15.4% less than the average cost of car insurance in the country as a whole.

Personalized Quotes to Get You the Cheapest Car Insurance in Ventura

There are several factors that impact car insurance quotes in Ventura. Insurance providers usually consider car make and model, age, gender and location. By regularly comparing personalized quotes, you can find affordable coverage suitable for your changing circumstances. You can also determine whether you qualify for discounts and rebates.

Compare Car Insurance Rates in Ventura

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Ventura

MoneyGeek assessed the car insurance providers in Ventura based on their average premiums, claims ratings and user satisfaction scores. According to our study, the two top car insurance companies in Ventura are:

  • Esurance: MoneyGeek score of 92.20 out of 100
  • AAA: MoneyGeek score of 86.60 out of 100

USAA was not part of this study because it is only available to people in the military, veterans and their families. With a MoneyGeek score of 84.80 out of 100, it is the third-best car insurance provider in Ventura.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

In Ventura, Esurance scored first in affordability and received high customer satisfaction ratings. However, its claims were rated below average. Its custom parts coverage is a rare endorsement. Esurance's full coverage policy in Ventura costs around $882 yearly.

More About Esurance

Esurance's custom parts and equipment coverage covers up to $4,000 in damages and repairs to aftermarket components and equipment placed in your vehicle. ShareSmart, its ridesharing insurance, ensures that there are no coverage gaps between your auto insurance and rideshare company’s insurance plans. The coverage ensures you will have the lowest comprehensive and collision deductibles in Ventura. Plus, with Esurance's gap insurance, you might get up to 25% more than your car's actual value if it is totaled and you owe more than it is worth.

Read MoneyGeek's Esurance auto Insurance Review
2
AAA
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

In Ventura, AAA received high affordability, claims and satisfaction ratings. Identity theft coverage is included in its auto insurance. The yearly cost of AAA's comprehensive insurance for Ventura drivers is around $1,066.

More About AAA

AAA only offers a few extra coverages in Ventura. Its identity theft coverage is added to car insurance plans. A wide range of identity theft protection services and identity theft insurance coverage of up to $10,000 are offered through this coverage. Roadside assistance is included as part of the company's auto insurance policy. Additionally, rental car reimbursement is the company’s sole available endorsement. It reimburses the cost of a rented car or public transit if your vehicle becomes undrivable owing to a covered loss.

Read MoneyGeek's AAA auto Insurance Review

Average Cost of Car Insurance by Postal Code

In Ventura, postal code affects average car insurance premiums. Insurance providers consider that some neighborhoods have higher theft rates, number of accidents and a higher probability of natural disasters. The ZIP code with the cheapest average rate is 93001 at $1,203 per year. That is $4 less than the average rate in 93003, the most expensive ZIP code in Ventura.

  • Zip Code
    State Minimumper year
  • 93001
    $1,203
  • 93003
    $1,207

Factors That Impact Insurance Costs in Ventura

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Ventura. How Ventura ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities268th/300
handcuffs2 icon
Most Car Thefts94th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall220th/300
umbrella icon
Most Rainy Days303rd/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.