Cheapest and Best Car Insurance in Ventura, CA (July 2024)


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Updated: July 2, 2024

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While Mercury offers the lowest annual premium for minimum coverage in Ventura at $422, Progressive is the cheapest for full coverage at $1,032, and families with teens find State Farm most economical. Chubb leads in both customer service and is overall best in value, suggesting the ideal choice varies with personal preferences and coverage necessities.

MoneyGeek Logo IconBest & CheapestCar InsuranceVentura
2024

Cheapest and Best Car Insurance in Ventura

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Ventura, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Ventura insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered, and financial stability.

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These rates reflect the cheapest car insurance quotes in Ventura, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Ventura

MoneyGeek found that Mercury is the cheapest option in Ventura for cheapest car insurance.

  • Mercury: $422 per year
  • GEICO: $447 per year

While Mercury leads as the most affordable, Chubb has the most expensive minimum coverage policy in Ventura, at $704 annually. This shows a significant $282 difference from the cheapest, exemplifying the importance of comparing rates to find the best car insurance deals.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
MercuryAnnual Premium$422Monthly Premium$35
GEICOAnnual Premium$447Monthly Premium$37
ProgressiveAnnual Premium$478Monthly Premium$40
National GeneralAnnual Premium$514Monthly Premium$43
AAAAnnual Premium$516Monthly Premium$43
KemperAnnual Premium$543Monthly Premium$45
State NationalAnnual Premium$560Monthly Premium$47
FarmersAnnual Premium$570Monthly Premium$48
State FarmAnnual Premium$578Monthly Premium$48
Capital Insurance GroupAnnual Premium$626Monthly Premium$52
HartfordAnnual Premium$636Monthly Premium$53
AllstateAnnual Premium$645Monthly Premium$54
NationwideAnnual Premium$661Monthly Premium$55
TravelersAnnual Premium$675Monthly Premium$56
ChubbAnnual Premium$704Monthly Premium$59

In California’s mosaic of bustling cities, including Ventura, every driver must adhere to state law for minimum required car insurance coverage. Here's a succinct rundown of what California mandates:

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

If you're in an accident, and the other person's injuries amount to $20,000. Your minimum coverage will cover $15,000 per person, and you'd be responsible for the extra $5,000 out-of-pocket.

Cheapest Full Coverage Car Insurance in Ventura

MoneyGeek found that Progressive offers the most affordable cheapest full coverage car insurance in Ventura, allowing you to save significantly.

  • Progressive: $1,032 per year
  • Mercury: $1,076 per year

Farmers has the highest premium for full coverage policies in Ventura, with annual rates at $1,786. This shows the significance of comparing rates, as full coverage policies include comprehensive and collision insurance, protecting against a variety of incidents.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,032Monthly Premium$86
MercuryAnnual Premium$1,076Monthly Premium$90
National GeneralAnnual Premium$1,086Monthly Premium$91
GEICOAnnual Premium$1,114Monthly Premium$93
AAAAnnual Premium$1,125Monthly Premium$94
AllstateAnnual Premium$1,161Monthly Premium$97
State NationalAnnual Premium$1,243Monthly Premium$104
KemperAnnual Premium$1,295Monthly Premium$108
HartfordAnnual Premium$1,345Monthly Premium$112
Capital Insurance GroupAnnual Premium$1,386Monthly Premium$116
State FarmAnnual Premium$1,429Monthly Premium$119
NationwideAnnual Premium$1,541Monthly Premium$128
ChubbAnnual Premium$1,638Monthly Premium$137
TravelersAnnual Premium$1,763Monthly Premium$147
FarmersAnnual Premium$1,786Monthly Premium$149

With the MoneyGeek example Ventura policy offering full coverage, your liability limits significantly exceed the minimum requirements, including $100,000 for bodily injury per individual, $300,000 for each accident and property damage liability capped at $100,000 per event. Tthis is referred to as a 100/300/100 plan.

Furthermore, full coverage policies incorporate both comprehensive and collision coverage:

  • Collision Coverage: This aspect of your policy provides financial protection against the costs incurred to your vehicle when it meets with a collision, whether it involves another vehicle or an impact with a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Coverage: This part addresses the expenses for repairs or replacement of your vehicle due to circumstances other than collisions, such as theft, vandalism, or natural disasters and being struck by an animal like a deer.

Investing in full coverage insurance is a prudent move for new vehicles to protect against potential financial losses. Older vehicles may not benefit as much from full coverage due to higher premiums possibly outweighing the value of the car itself. You need to balance coverage and costs when deciding how much car insurance you need.

Cheapest Car Insurance in Ventura After a Driving Offense

MoneyGeek found that National General is the cheapest option for drivers with a poor driving record in the city when looking for full coverage policies after certain offenses.

  • Speeding Ticket: National General ($1,138 per year)
  • At-fault Accident: National General ($1,605 per year)
  • DUI: National General ($1,138 per year)

For those with a less-than-perfect driving history, it's clear that National General consistently offers the most affordable rates for various offenses.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,138Monthly Premium$95
MercuryAnnual Premium$1,417Monthly Premium$118
AAAAnnual Premium$1,455Monthly Premium$121
Capital Insurance GroupAnnual Premium$1,590Monthly Premium$132
GEICOAnnual Premium$1,659Monthly Premium$138
AllstateAnnual Premium$1,675Monthly Premium$140
KemperAnnual Premium$1,721Monthly Premium$143
State NationalAnnual Premium$1,766Monthly Premium$147
ProgressiveAnnual Premium$1,942Monthly Premium$162
HartfordAnnual Premium$2,007Monthly Premium$167
State FarmAnnual Premium$2,120Monthly Premium$177
ChubbAnnual Premium$2,144Monthly Premium$179
FarmersAnnual Premium$2,472Monthly Premium$206
NationwideAnnual Premium$2,660Monthly Premium$222
TravelersAnnual Premium$2,672Monthly Premium$223

In cities like Ventura, insurance rates often escalate with the severity of a driving offense — a reflection of increased risk to insurers. In Ventura, individuals with a speeding ticket face an average annual premium of $1,896, while those with a DUI have a significant jump, averaging $3,165 per year.

Cheapest Car Insurance in Ventura for Teens and Their Families

MoneyGeek found that State Farm offers the most affordable full coverage car insurance for both female and male teens in Ventura. For those seeking the cheapest car insurance for teens, here's how the top providers stack up:

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

These rates reflect the cost of adding a teen driver to a policy shared with two parents. Nationwide ranks as the most expensive option for teen family policies in Ventura, with an annual premium of $4,624 for female teens.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,625Individual Plan Monthly Premium$2,907
FarmersFamily Plan Annual Premium$2,670Individual Plan Monthly Premium$3,936
AllstateFamily Plan Annual Premium$2,874Individual Plan Monthly Premium$3,096
GEICOFamily Plan Annual Premium$2,901Individual Plan Monthly Premium$3,275
ProgressiveFamily Plan Annual Premium$3,226Individual Plan Monthly Premium$3,544
Capital Insurance GroupFamily Plan Annual Premium$3,250Individual Plan Monthly Premium$3,173
TravelersFamily Plan Annual Premium$3,508Individual Plan Monthly Premium$3,172
KemperFamily Plan Annual Premium$3,974Individual Plan Monthly Premium$5,306
NationwideFamily Plan Annual Premium$4,624Individual Plan Monthly Premium$6,564

In Ventura, as in many other locales, teen drivers can expect to pay significantly higher car insurance premiums when securing an individual policy compared to being covered under a family plan. On average, an individual annual premium for a teen driver can be approximately $3,950, while adding them to a family policy averages around $3,312 — an appreciable difference of $638. Insurance companies charge higher rates for teens due to their inexperience behind the wheel.

Cheapest Car Insurance in Ventura for Military Drivers

MoneyGeek found that Progressive offers the cheapest car insurance for military backgrounds in Ventura.

  • Progressive: $1,032 per year
  • Mercury: $1,076 per year

Although not the least expensive, USAA is also competitive, priced at $1,174 per year. It's worth noting that USAA is uniquely positioned to serve the needs of active-duty military members, providing tailored services that may offer value beyond the premium costs.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,032Monthly Premium$86
MercuryAnnual Premium$1,076Monthly Premium$90
National GeneralAnnual Premium$1,086Monthly Premium$91
GEICOAnnual Premium$1,114Monthly Premium$93
AAAAnnual Premium$1,125Monthly Premium$94
AllstateAnnual Premium$1,161Monthly Premium$97
USAAAnnual Premium$1,174Monthly Premium$98
State NationalAnnual Premium$1,243Monthly Premium$104
KemperAnnual Premium$1,295Monthly Premium$108
HartfordAnnual Premium$1,345Monthly Premium$112
Capital Insurance GroupAnnual Premium$1,386Monthly Premium$116
State FarmAnnual Premium$1,429Monthly Premium$119
NationwideAnnual Premium$1,541Monthly Premium$128
ChubbAnnual Premium$1,638Monthly Premium$137
TravelersAnnual Premium$1,763Monthly Premium$147
FarmersAnnual Premium$1,786Monthly Premium$149

How to Compare Cheap Ventura Car Insurance Quotes Online

Shopping for car insurance in Ventura can iead to savings. You can use MoneyGeek's car insurance calculator to find estimates. Quickly enter details like age, driving record, credit score and desired coverage levels, to receive an instant, customized rate estimate.

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Rates updated:

Oct 04, 2024

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Best Car Insurance in Ventura: Overview

Selecting the best auto insurance in Ventura hinges on prioritizing factors such as service, cost and coverage. MoneyGeek's assessment, which uses focused scoring for each category, reveals:

  • Best overall: Chubb (MoneyGeek score 80 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 82 out of 100)

Chubb stands out as the best insurance provider in Ventura, not only for its overall value balancing cost and service but also for top-tier service. Mercury, on the other hand, offers great affordability with commendable service, making it ideal for budget-conscious consumers seeking quality.

Overall Best Car Insurance in Ventura

MoneyGeek found that Chubb offers the best car insurance in Ventura for those looking for quality coverage and excellent service. Based on the MoneyGeek scores:

  • Chubb: MoneyGeek score of 80 out of 100 ($1,638 per year)
  • Mercury: MoneyGeek score of 79 out of 100 ($1,076 per year)

Chubb has high levels of customer satisfaction and superior claims handling, making it the most reliable option for Ventura residents seeking a full coverage policy.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
80/ of 100

Overview

Chubb's high MoneyGeek score of 80 shows its excellent claims and satisfaction performances. Original equipment manufacturer (OEM) coverage is offered and is ideal for ensuring your car stays fitted with authentic parts after an accident. Chubb also offers diminished value coverage and rental car reimbursement.

Best Car Insurance in Ventura for Customer Service

MoneyGeek found that Chubb is the best option in Ventura for exceptional car insurance customer service. This accolade is based on the gleaming satisfaction scores, as well as superior claims handling and coverage options, irrelevant of rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,638 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,386 per year)

Chubb stands out in the Ventura area due to its near-perfect MoneyGeek score.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's claims and satisfaction scores contribute to its exceptional MoneyGeek score. The company provides both common coverages: rental car and/or travel reimbursement and roadside assistance, which is a strong positive for policyholders. Chubb offers a selection of rare coverages that can greatly benefit a variety of drivers. For instance, it offers antique/classic car insurance and OEM coverage.

Best Cheap Car Insurance Companies in Ventura

MoneyGeek found that Mercury is the best option in Ventura for those seeking cost-effective car insurance without compromising on service quality. This recognition comes from MoneyGeek's multifaceted analysis, which balances affordability with customer satisfaction and claims handling.

  • Mercury: MoneyGeek score of 82 out of 100 ($422 per year).
  • GEICO: MoneyGeek score of 73 out of 100 ($447 per year).

Mercury stands out primarily due to its top ranking in affordability, earning the highest score in this category.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
82/ of 100

Overview

Mercury is top-ranked for affordability. With an average annual premium of just $422, the average driver enjoys remarkable savings for minimum coverage. Mercury also offers a rare paperless discount and teacher discount, demonstrating its dedication to accommodate diverse customer needs.

Mercury has a comprehensive discount strategy, offering all the common discounts, such as bundling, multiple cars and safe driving. It also offers an anti-theft discount and a pay-in-full discount.

Average Cost of Car Insurance in Ventura

In Ventura, California, the average cost of car insurance is $1,341, which is notably less than the overall average cost in California of $1,562.

Comparatively, California’s average falls $219 below the national average cost of car insurance at $1,781. This positions Ventura's premiums as significantly less expensive within the state and against the national benchmark.

Car insurance premiums are influenced by numerous factors, with location being one of the most crucial. Geographic variables, such as urban density, crime rates, and the likelihood of accidents, directly impact insurance rates; higher risk equates to higher costs.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.