Car insurance quotes in Oxnard are calculated by providers after considering your location, along with several other factors like your driving record and credit score. You are advised to get customized quotes to find accurate and cheap car insurance in Oxnard.
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Average Cost of Car Insurance in Oxnard
Oxnard$1,324
California$1,429
U.S.$1,424
The average cost of car insurance annually in Oxnard is cheaper than the California and U.S. averages. Oxnard’s average rate is $1,324, which is 7.3% less than the state average and 7% lower than the national average.
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The Best Cheap Car Insurance Companies in Oxnard
On average, Esurance is the cheapest car insurance company in Oxnard. Its coverage rates are typically 60.6% more affordable than the average rate from Travelers, which is the city’s costliest auto insurance firm.
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Company
Amountper year
1. Esurance
In 2021, Esurance ranked #1 in Oxnard for the cheapest car insurance for the average driver.
$1,012
2. Progressive
In 2021, Progressive ranked #2 in Oxnard for the cheapest car insurance for the average driver.
$1,020
3. USAA
In 2021, USAA ranked #3 in Oxnard for the cheapest car insurance for the average driver.
$1,079
4. AAA
In 2021, AAA ranked #4 in Oxnard for the cheapest car insurance for the average driver.
$1,146
5. GEICO
In 2021, GEICO ranked #5 in Oxnard for the cheapest car insurance for the average driver.
$1,231
6. MetLife
In 2021, MetLife ranked #6 in Oxnard for the cheapest car insurance for the average driver.
$1,239
7. Allstate
In 2021, Allstate ranked #7 in Oxnard for the cheapest car insurance for the average driver.
$1,272
8. Mercury
In 2021, Mercury ranked #8 in Oxnard for the cheapest car insurance for the average driver.
$1,324
9. State Farm
In 2021, State Farm ranked #9 in Oxnard for the cheapest car insurance for the average driver.
$1,422
10. Farmers
In 2021, Farmers ranked #10 in Oxnard for the cheapest car insurance for the average driver.
$1,448
11. Allied
In 2021, Allied ranked #11 in Oxnard for the cheapest car insurance for the average driver.
$1,556
12. Hartford
In 2021, Hartford ranked #12 in Oxnard for the cheapest car insurance for the average driver.
$1,596
13. Travelers
In 2021, Travelers ranked #13 in Oxnard for the cheapest car insurance for the average driver.
$1,626
Personalized Quotes to Get You the Cheapest Car Insurance in Oxnard
To compute average car insurance rates in Oxnard, providers analyze an array of elements, including your age, gender, marital status, driving history and more. Take the case of the auto insurance company State Farm in Oxnard. On average, its typical package for an 18-year-old male driver is almost twice as expensive as similar coverage for a 40-year-old male driver. We recommend that you regularly obtain a personalized quote that considers your changing circumstances to find the cheapest coverage.
Compare Car Insurance Rates in Oxnard
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Cheapest Car Insurance in Oxnard by Coverage Amount
How much car insurance coverage you purchase in Oxnard also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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. |
In Oxnard, Progressive offers both full-coverage and liability-only policies within 50/100/50 limits. These limits mean the coverage includes $50,000 worth of medical bills per person, amounting to $100,000 per vehicle, along with $50,000 of property damage repair. Progressive’s full-coverage package offers extra advantages, including covering your own costs in an accident. Therefore, it’s understandable that the price for a full-coverage policy averages $326 more than the liability-only policy.
Average Car Insurance Premiums by Coverage Type
Liability Only
| Company | State Minimumper year | 50 / 100 / 50per year |
|---|---|---|
| 1. Progressive | $439 | $608 |
| 2. USAA | $439 | $567 |
| 3. Esurance | $542 | $648 |
| 4. AAA | $519 | $633 |
| 5. GEICO | $519 | $718 |
| 6. Mercury | $547 | $768 |
| 7. MetLife | $625 | $867 |
| 8. Allstate | $746 | $864 |
| 9. State Farm | $681 | $918 |
| 10. Farmers | $762 | $896 |
| 11. Allied | $714 | $922 |
| 12. Travelers | $638 | $882 |
| 13. Hartford | $803 | $1,027 |
Full Coverage
| Company | 50 / 100 / 50per year | 100 / 300 / 100per year |
|---|---|---|
| 1. Progressive | $934 | $1,020 |
| 2. USAA | $1,017 | $1,079 |
| 3. Esurance | $969 | $1,012 |
| 4. AAA | $1,035 | $1,146 |
| 5. GEICO | $1,112 | $1,231 |
| 6. Mercury | $1,220 | $1,324 |
| 7. MetLife | $1,145 | $1,239 |
| 8. Allstate | $1,195 | $1,272 |
| 9. State Farm | $1,273 | $1,422 |
| 10. Farmers | $1,344 | $1,448 |
| 11. Allied | $1,438 | $1,556 |
| 12. Travelers | $1,507 | $1,626 |
| 13. Hartford | $1,470 | $1,596 |
Compare Car Insurance Rates in Oxnard
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Cheapest Car Insurance in Oxnard If You Have Tickets
A good way to reduce your car insurance cost is to drive safely and defensively. This is advised because driving violations on your record will increase your auto insurance expenses. Consider the example of Esurance in Oxnard. This company’s customers with a speeding ticket on their record need to pay an average of $269 more per year for their policies than drivers with clean records. Similarly, those with a recorded DUI violation need to cough up $1,500 more on average for their coverage.
| Company | Speeding Ticketper year | At-Fault Accidentper year | DUIper year |
|---|---|---|---|
| 1. Esurance | $1,281 | $1,582 | $2,512 |
| 2. USAA | $1,179 | $1,880 | $3,046 |
| 3. Progressive | $1,941 | $2,109 | $2,420 |
| 4. Mercury | $1,727 | $2,281 | $2,162 |
| 5. AAA | $1,512 | $1,742 | $3,555 |
| 6. GEICO | $1,817 | $2,075 | $2,901 |
| 7. Farmers | $1,987 | $2,483 | $2,483 |
| 8. Allstate | $1,793 | $2,257 | $4,005 |
| 9. Allied | $2,179 | $2,503 | $3,758 |
| 10. State Farm | $2,089 | $2,174 | $4,367 |
| 11. Travelers | $2,433 | $2,706 | $3,372 |
| 12. MetLife | $1,608 | $2,086 | $7,816 |
| 13. Hartford | $2,516 | $3,553 | $5,962 |
Average Cost of Car Insurance by Postal Code
Your ZIP code within a city also has a role in determining your car insurance cost. This is because auto insurance providers charge a higher rate for areas that have more accidents, car-theft incidents and uninsured motorists. In some cities, the differences between ZIP codes could amount to hundreds of dollars, but in Oxnard, there is only a $3 average annual premium difference between ZIP codes 93033 and 93030.
| Zip Code | State Minimumper year |
|---|---|
| 93033 | $1,323 |
| 93030 | $1,326 |
top ratedCar Insurance agentsOxnard2021Top Agents Offering Affordable Car Insurance in Oxnard
1. Ray Gonzales - State Farm Insurance Agent2711 S Rose Ave, Ste D101, Oxnard, CA, 93033
2. Efrain Cazares - State Farm Insurance Agent4300 Tradewinds Dr, Ste 160, Oxnard, CA, 93035
3. John Derr - State Farm Insurance Agent500 Esplanade Dr, Ste 1275, Oxnard, CA, 93036
4. Smart Buy Insurance Center344 S 5th St, Oxnard, CA, 93030
5. Charles Allison - State Farm Insurance Agent705 N Oxnard Blvd, Ste 101, Oxnard, CA, 93030
Insurance Providers That Serve Oxnard
Factors That Impact Insurance Costs in Oxnard
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 Oxnard. How Oxnard ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Oxnard could save you $312, which is enough to buy:
104Cups of Coffee
24Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Oxnard are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on overage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Oxnard
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.