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

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.