Oxnard, CA Car Insurance

The average monthly cost for full coverage car insurance in Oxnard is $128. Prices can range from $124 to $305, depending on the policy, vehicle type, and driver's profile. To help drivers better understand what they might pay, the table below shows average car insurance costs for various driver profiles in the area.

Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.

In Oxnard, full coverage car insurance averages $1,480 per year, while state minimum coverage is $620. These costs are lower than California's averages, where full coverage is $1,599 and minimum coverage is $661. Residents can enjoy more affordable rates compared to the state overall.

While car insurance premiums are rising across the Golden State, you can still find affordable options in Oxnard. Progressive offers the cheapest minimum coverage at $38 per month. For full coverage, Progressive also provides the best rate, costing $88 monthly.

Progressive is often the cheapest car insurance provider, but the best rates vary by driver. To find affordable car insurance, get quotes from multiple providers. Below is a table with the cheapest car insurance rates for different driver profiles.

To get the cheapest car insurance in Oxnard, you have to compare prices from different companies. We've outlined the most affordable options for minimum coverage and full coverage plans below.

Progressive offers the cheapest minimum coverage auto insurance at $38 per month, followed closely by GEICO at $40. Check the table below for a breakdown of the cheapest options.

Progressive offers the cheapest full coverage car insurance in Oxnard at $88 per month. Below is the complete list of providers and their rates.

To find the most affordable car insurance in Oxnard, we suggest getting quotes from several providers. Progressive offers the cheapest annual premium at $752, while Capital Insurance Group stands out as the best cheap provider with a MoneyGeek score of 84. Check the table below for more options to consider in your search.

*Rates are for a 40-year-old driver with good credit and no driving violations.

Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,480 per year for 40-year-olds and $1,429 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.

State Farm offers the cheapest overall car insurance for teens in Oxnard, with full coverage at $225 per month, saving $41 compared to the state average. The table below also highlights other affordable providers for teens in the city.

*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.

Progressive offers the best minimum coverage for young drivers at $44 per month. For full coverage, Progressive remains the most affordable at $106 monthly. Check the table below to find which providers offer the cheapest rates for different young driver profiles.

Progressive offers the most affordable auto insurance for young drivers at $75 per month. Other companies also provide competitive rates. The table below shows other companies with competitive rates.

*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.

Progressive and National General offer the cheapest car insurance in the city, but rates vary based on individual factors. Below, you'll find a table of the cheapest providers for different driver and coverage profiles to help you find the best fit.

Progressive offers the cheapest monthly premium for seniors at $63 when considering both minimum and full coverage. National General follows closely with a rate of $68 per month. The table below shows top car insurance options for seniors in Oxnard.

*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.

When looking at high-risk driver profiles in Oxnard, insurance rates for both minimum and full coverage are lower than the state average. Oxnard residents pay around $1,166 for minimum coverage, compared to the state's $1,998. Those with bad credit and DUIs pay the most, while accidents and speeding tickets have a smaller effect on rates.

National General offers the cheapest minimum coverage for drivers with a DUI at $543 per year. Mercury provides the most affordable full coverage at $2,341 annually. Check out the table below for more low-cost coverage options.

*Rates are for a 40-year-old driver with good credit and a DUI.

Capital Insurance Group, National General, and State National are the three cheapest car insurance providers for drivers with an at-fault accident record in Oxnard. To explore the cheapest auto insurance after an at-fault accident, check this link. Below, you'll find a table showing different providers in Oxnard offering affordable car insurance coverage for drivers with an at-fault accident violation.

*Rates are for a 40-year-old driver with good credit an at-fault accident.

National General is the cheapest car insurance provider for drivers with a speeding ticket in Oxnard, offering minimum coverage at $45 per month and full coverage at $95 per month. Check the table below to see how other providers charge drivers with a speeding ticket on their record.

**Rates are for a 40-year-old driver with good credit and a speeding ticket.*

In California, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:

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

These minimum coverages ensure that if you cause an accident, you can cover some of the costs for injuries and damages. For example, if you rear-end another vehicle, your insurance can help pay for the repairs up to $5,000.

Progressive stands out in Oxnard with the cheapest car insurance, only $37 for minimum and $88 for full coverage. Diverse drivers, from the young to the senior, even with poor credit, can find affordable options. Make sure your policy covers California's basics: bodily injury liability, property damage liability, and uninsured motorist coverage. By comparing rates, you'll get the best price for the protection you need under Golden State law.

This FAQ section provides quick answers to common questions about finding affordable car insurance options in Oxnard. Discover how to choose the best plans for your needs, including state minimum coverage, while keeping costs low.

MoneyGeek conducted an analysis of Oxnard auto insurance prices using data from the California Department of Insurance and Quadrant Information Services.

Oxnard Driver Profile

To assess the best and most affordable auto insurance options for Oxnard residents, MoneyGeek used the following sample driver profile:

• 40-year-old male
• Clean driving history
• 2012 Toyota Camry LE
• 12,000 miles driven per year

By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.

Coverage Levels in Oxnard

In assessing the car insurance quotes for Oxnard, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to California's mandated liability insurance parameters:

The minimum coverage requirements in California are:

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

To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability
• Comprehensive and collision coverage with a deductible of $1,000

MoneyGeek’s Scoring System

MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.

Insurers received scores as indicated below, with a total possible score of 100 points:

• General customer satisfaction (up to 35 points)
• Affordability (up to 30 points)
• Claims experience (up to 20 points)
• Essential coverages (up to 10 points)
• Financial stability (up to five points)

We adjusted the scoring in certain categories as follows:

• In the best customer service category, affordability was assigned a score of zero, while the scores for customer satisfaction, claims and coverage received an additional 10 possible points each.
• For the best minimum coverage category, the maximum points for satisfaction were reduced to 25, and maximum points for affordability increased to 40.
• We calibrated the affordability scores based on the quoted rates, which varied with the sample driver’s age or driving record.
• We also made qualitative evaluations for instances where certain insurers had coverage options that their competitors did not offer.

MoneyGeek’s Sources

To gauge rates and assess the best service experiences among California providers, MoneyGeek utilized six sources:

• Quadrant Information Services provided actual policy quotes in Oxnard
• J.D. Power's studies and the NAIC index contributed to the assessment of customer service
• Claims experience metrics came from J.D. Power and the CRASH Network’s report card
• AM Best and Demotech offered financial stability insights through their ratings

MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Oxnard.

For more details on the methodology used in this analysis, see MoneyGeek's methodology.