Cheapest and Best Car Insurance Companies in Ventura, CA

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.