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.
Cheapest and Best Car Insurance in Ventura, CA (July 2024)
Mercury offers Ventura, California's cheapest minimum car coverage at $422 annually. Chubb, with a MoneyGeek score of 80 (out of 100), is the best car insurance provider for affordability and service.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
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](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
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](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). 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.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Updated: July 2, 2024
Advertising & Editorial Disclosure
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.
These rates reflect the cheapest car insurance quotes in Ventura, CA, as of July 2024.
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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Mercury | Annual Premium$422 | Monthly Premium$35 |
GEICO | Annual Premium$447 | Monthly Premium$37 |
Progressive | Annual Premium$478 | Monthly Premium$40 |
National General | Annual Premium$514 | Monthly Premium$43 |
AAA | Annual Premium$516 | Monthly Premium$43 |
Kemper | Annual Premium$543 | Monthly Premium$45 |
State National | Annual Premium$560 | Monthly Premium$47 |
Farmers | Annual Premium$570 | Monthly Premium$48 |
State Farm | Annual Premium$578 | Monthly Premium$48 |
Capital Insurance Group | Annual Premium$626 | Monthly Premium$52 |
Hartford | Annual Premium$636 | Monthly Premium$53 |
Allstate | Annual Premium$645 | Monthly Premium$54 |
Nationwide | Annual Premium$661 | Monthly Premium$55 |
Travelers | Annual Premium$675 | Monthly Premium$56 |
Chubb | Annual Premium$704 | Monthly 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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | Annual Premium$1,032 | Monthly Premium$86 |
Mercury | Annual Premium$1,076 | Monthly Premium$90 |
National General | Annual Premium$1,086 | Monthly Premium$91 |
GEICO | Annual Premium$1,114 | Monthly Premium$93 |
AAA | Annual Premium$1,125 | Monthly Premium$94 |
Allstate | Annual Premium$1,161 | Monthly Premium$97 |
State National | Annual Premium$1,243 | Monthly Premium$104 |
Kemper | Annual Premium$1,295 | Monthly Premium$108 |
Hartford | Annual Premium$1,345 | Monthly Premium$112 |
Capital Insurance Group | Annual Premium$1,386 | Monthly Premium$116 |
State Farm | Annual Premium$1,429 | Monthly Premium$119 |
Nationwide | Annual Premium$1,541 | Monthly Premium$128 |
Chubb | Annual Premium$1,638 | Monthly Premium$137 |
Travelers | Annual Premium$1,763 | Monthly Premium$147 |
Farmers | Annual Premium$1,786 | Monthly 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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
National General | Annual Premium$1,138 | Monthly Premium$95 |
Mercury | Annual Premium$1,417 | Monthly Premium$118 |
AAA | Annual Premium$1,455 | Monthly Premium$121 |
Capital Insurance Group | Annual Premium$1,590 | Monthly Premium$132 |
GEICO | Annual Premium$1,659 | Monthly Premium$138 |
Allstate | Annual Premium$1,675 | Monthly Premium$140 |
Kemper | Annual Premium$1,721 | Monthly Premium$143 |
State National | Annual Premium$1,766 | Monthly Premium$147 |
Progressive | Annual Premium$1,942 | Monthly Premium$162 |
Hartford | Annual Premium$2,007 | Monthly Premium$167 |
State Farm | Annual Premium$2,120 | Monthly Premium$177 |
Chubb | Annual Premium$2,144 | Monthly Premium$179 |
Farmers | Annual Premium$2,472 | Monthly Premium$206 |
Nationwide | Annual Premium$2,660 | Monthly Premium$222 |
Travelers | Annual Premium$2,672 | Monthly 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.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
State Farm | Family Plan Annual Premium$2,625 | Individual Plan Monthly Premium$2,907 |
Farmers | Family Plan Annual Premium$2,670 | Individual Plan Monthly Premium$3,936 |
Allstate | Family Plan Annual Premium$2,874 | Individual Plan Monthly Premium$3,096 |
GEICO | Family Plan Annual Premium$2,901 | Individual Plan Monthly Premium$3,275 |
Progressive | Family Plan Annual Premium$3,226 | Individual Plan Monthly Premium$3,544 |
Capital Insurance Group | Family Plan Annual Premium$3,250 | Individual Plan Monthly Premium$3,173 |
Travelers | Family Plan Annual Premium$3,508 | Individual Plan Monthly Premium$3,172 |
Kemper | Family Plan Annual Premium$3,974 | Individual Plan Monthly Premium$5,306 |
Nationwide | Family Plan Annual Premium$4,624 | Individual 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.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | Annual Premium$1,032 | Monthly Premium$86 |
Mercury | Annual Premium$1,076 | Monthly Premium$90 |
National General | Annual Premium$1,086 | Monthly Premium$91 |
GEICO | Annual Premium$1,114 | Monthly Premium$93 |
AAA | Annual Premium$1,125 | Monthly Premium$94 |
Allstate | Annual Premium$1,161 | Monthly Premium$97 |
USAA | Annual Premium$1,174 | Monthly Premium$98 |
State National | Annual Premium$1,243 | Monthly Premium$104 |
Kemper | Annual Premium$1,295 | Monthly Premium$108 |
Hartford | Annual Premium$1,345 | Monthly Premium$112 |
Capital Insurance Group | Annual Premium$1,386 | Monthly Premium$116 |
State Farm | Annual Premium$1,429 | Monthly Premium$119 |
Nationwide | Annual Premium$1,541 | Monthly Premium$128 |
Chubb | Annual Premium$1,638 | Monthly Premium$137 |
Travelers | Annual Premium$1,763 | Monthly Premium$147 |
Farmers | Annual Premium$1,786 | Monthly 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.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 04, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
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.
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.
Ranks first in the city for claims satisfaction
Ranks second in general customer satisfaction
Offers OEM Coverage and antique/classic car insurance
Does not rank top in affordability, positioned thirteenth in the city
Does not offer diminished value coverage
MoneyGeek ranks Ventura's top car insurance focusing on customer satisfaction and cost-effectiveness, also considering claims processing, coverage options and insurer stability.
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.
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.
Ranks well in the city for general customer satisfaction (2nd).
Ranks well in the city for claims satisfaction (1st).
Offers rare OEM coverage and reasonably common rental car/travel reimbursement.
Does not offer gap insurance
MoneyGeek ranks Ventura's best car insurance prioritizing customer satisfaction and claims processing, with coverage options and financial health also key.
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.
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.
Offers common discounts, including bundling and safe driving
Ranks first for cost, with an average annual premium of $422 for minimum coverage
Offers reasonably rare discounts such as automatic payment and senior driver
Not top-ranked for customer satisfaction
MoneyGeek's best car insurance ratings for Ventura prioritize affordable minimum coverage and customer satisfaction, also factoring in claims, coverage options and financial health.
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.
Anaheim | Annual Premium$1,632 |
Antioch | Annual Premium$1,573 |
Arden | Annual Premium$1,592 |
Bakersfield | Annual Premium$1,394 |
Berkeley | Annual Premium$1,489 |
Burbank | Annual Premium$1,968 |
Carlsbad | Annual Premium$1,364 |
Chula Vista | Annual Premium$1,331 |
Clovis | Annual Premium$1,395 |
Concord | Annual Premium$1,473 |
Corona | Annual Premium$1,525 |
Costa Mesa | Annual Premium$1,501 |
Daly City | Annual Premium$1,712 |
Downey | Annual Premium$1,749 |
East Los Angeles | Annual Premium$1,800 |
El Cajon | Annual Premium$1,438 |
El Monte | Annual Premium$1,784 |
Elk Grove | Annual Premium$1,535 |
Escondido | Annual Premium$1,382 |
Fairfield | Annual Premium$1,392 |
Fontana | Annual Premium$1,565 |
Fremont | Annual Premium$1,446 |
Fresno | Annual Premium$1,442 |
Fullerton | Annual Premium$1,661 |
Garden Grove | Annual Premium$1,679 |
Glendale | Annual Premium$2,433 |
Hayward | Annual Premium$1,549 |
Huntington Beach | Annual Premium$1,523 |
Inglewood | Annual Premium$1,963 |
Irvine | Annual Premium$1,585 |
Jurupa Valley | Annual Premium$1,507 |
Lancaster | Annual Premium$1,670 |
Long Beach | Annual Premium$1,685 |
Los Angeles | Annual Premium$2,138 |
Modesto | Annual Premium$1,577 |
Moreno Valley | Annual Premium$1,546 |
Murrieta | Annual Premium$1,415 |
Norwalk | Annual Premium$1,661 |
Oakland | Annual Premium$1,657 |
Oceanside | Annual Premium$1,396 |
Ontario | Annual Premium$1,565 |
Orange | Annual Premium$1,462 |
Oxnard | Annual Premium$1,436 |
Palmdale | Annual Premium$1,722 |
Pasadena | Annual Premium$1,798 |
Pomona | Annual Premium$1,630 |
Rancho Cucamonga | Annual Premium$1,503 |
Rialto | Annual Premium$1,577 |
Richmond | Annual Premium$1,562 |
Riverside | Annual Premium$1,543 |
Roseville | Annual Premium$1,458 |
Sacramento | Annual Premium$1,494 |
Salinas | Annual Premium$1,346 |
San Bernardino | Annual Premium$1,567 |
San Diego | Annual Premium$1,349 |
San Francisco | Annual Premium$1,670 |
San Jose | Annual Premium$1,429 |
San Mateo | Annual Premium$1,385 |
Santa Ana | Annual Premium$1,577 |
Santa Clara | Annual Premium$1,420 |
Santa Clarita | Annual Premium$1,634 |
Santa Maria | Annual Premium$1,251 |
Santa Rosa | Annual Premium$1,479 |
Simi Valley | Annual Premium$1,528 |
Stockton | Annual Premium$1,594 |
Sunnyvale | Annual Premium$1,413 |
Temecula | Annual Premium$1,432 |
Thousand Oaks | Annual Premium$1,589 |
Torrance | Annual Premium$1,518 |
Vallejo | Annual Premium$1,547 |
Ventura | Annual Premium$1,341 |
Victorville | Annual Premium$1,598 |
Visalia | Annual Premium$1,333 |
Vista | Annual Premium$1,355 |
West Covina | Annual Premium$1,667 |
About Mark Fitzpatrick
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.