Ventura's average monthly full coverage car insurance cost is $119. Rates range from $116 to $284. The table below shows average premiums for different driver profiles to help drivers better understand potential costs.
Ventura, CA, Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in Ventura: Key Takeaways
The most affordable car insurance options in Ventura are GEICO, Progressive, State Farm, National General and CIG.
GEICO is the most budget-friendly provider for minimum coverage, charging $37 monthly. Progressive offers full coverage for just $86.
On average, residents pay $52 monthly for minimum coverage and $119 for full coverage.
Car Insurance Quotes in Ventura, CA
| Young Drivers | $65 | $150 |
| Teens | No Data | $284 |
| Seniors | $52 | $116 |
| Drivers With an Accident | $84 | $192 |
| Drivers With a Speeding Ticket | $73 | $169 |
| Drivers With a DUI | $123 | $283 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Ventura vs. State Average
California
State Average Full Coverage Rate
$1,659
Ventura, CA
City Average Full Coverage Rate
$1,433Ventura Car Insurance is Cheap:$226 saved
This is 14% less expensive.
What Is the Average Car Insurance Rate in Ventura?
Ventura's average car insurance costs are $1,433 per year for full coverage and $628 for minimum coverage. These rates are lower than California's averages of $1,659 and $693, respectively.
| State Average | $693 | $1,659 |
| Ventura Average | $628 | $1,433 |
Cheapest Car Insurance Companies in Ventura
Despite rising premiums in California, you can still find affordable car insurance in Ventura. GEICO offers the cheapest minimum coverage at just $37 per month. For full coverage, Progressive provides the best rate at $86.
WHY CAR INSURANCE IN VENTURA IS CHEAPER
Car insurance in Ventura is often cheaper due to its suburban setting, moderate traffic and lower accident risks. Low crime rates, including fewer vehicle thefts, and mild coastal weather reduce claims. The city’s lower population density and competitive insurance market also help keep premiums affordable.
Cheap Car Insurance in Ventura
GEICO often offers the cheapest minimum coverage in Ventura, but rates vary by driver. The best way to find affordable car insurance is to get quotes from several providers. The table below highlights the lowest rates for different driver profiles.
| GEICO | Minimum Coverage | $37 |
| Progressive | Full Coverage | $86 |
| State Farm | Teens | $206 |
| GEICO | Young Adults | $75 |
| GEICO | Seniors | $63 |
| National General | Drivers With a DUI | $70 |
| CIG | Drivers With an Accident | $98 |
| National General | Drivers With a Speeding Ticket | $70 |
Car Insurance Rates in Ventura by Company
Drivers should compare rates for the best deal. Below, we detail affordable options for Ventura's minimum and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Ventura
GEICO offers the cheapest minimum coverage auto insurance in Ventura at $37 per month, followed by Progressive at $40. The table below breaks down the affordable options.
| GEICO | $37 | $15 |
| Progressive | $40 | $12 |
| National General | $43 | $9 |
| Mercury | $44 | $9 |
| Kemper | $45 | $7 |
| AAA | $46 | $6 |
| State National | $47 | $6 |
| State Farm | $48 | $4 |
| Farmers | $50 | $2 |
| CIG | $52 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Ventura
Progressive offers the most affordable full coverage car insurance in Ventura at $86 monthly. Below is the full list of providers and their rates.
| Progressive | $86 | $33 |
| National General | $91 | $29 |
| GEICO | $93 | $27 |
| AAA | $101 | $18 |
| Mercury | $104 | $16 |
| State National | $104 | $16 |
| Kemper | $108 | $12 |
| Hartford | $112 | $7 |
| CIG | $116 | $4 |
| State Farm | $119 | $0 |
Car Insurance Companies in Ventura
Progressive offers the cheapest car insurance in Ventura at $755 annually. CIG is the best cheap provider, with a MoneyGeek score of 83 out of 100. See the table below for more options.
| CIG | 83 | $1,006 |
| Mercury | 78 | $883 |
| Chubb | 76 | $1,762 |
| State Farm | 73 | $1,003 |
| GEICO | 70 | $781 |
| Progressive | 70 | $755 |
| AAA | 68 | $885 |
| Nationwide | 67 | $1,101 |
| Travelers | 64 | $1,220 |
| Hartford | 63 | $990 |
| Farmers | 62 | $1,262 |
| Kemper | 60 | $919 |
| National General | 60 | $800 |
| Allstate | 59 | $1,188 |
| State National | No Data | $901 |
*Rates are for a 40-year-old driver with no driving violations.
Car Insurance Cost in Ventura by Age
Middle-aged drivers and younger seniors pay Ventura's lowest car insurance rates, averaging $1,433 per year for 40-year-olds and $1,390 for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,303 | $-589 |
| 17 | $3,292 | $-578 |
| 18 | $3,107 | $-393 |
| 19 | $2,377 | $338 |
| 20 | $2,437 | $277 |
| 21 | $2,121 | $594 |
| 22 | $1,838 | $876 |
| 23 | $1,889 | $825 |
| 24 | $1,810 | $904 |
| 25 | $1,798 | $-16 |
| 40 | $1,433 | $350 |
| 65 | $1,390 | $393 |
Cheapest Car Insurance for Teens in Ventura
State Farm offers the cheapest overall car insurance for teens in Ventura, with a monthly rate of $204, saving $47 compared to the state average. The table below breaks down more affordable providers for this age group.
| State Farm | $204 | $47 | $206 |
| Farmers | $217 | $34 | $302 |
| Allstate | $222 | $30 | $233 |
| GEICO | $225 | $27 | $259 |
| CIG | $252 | $-1 | $246 |
| Progressive | $259 | $-8 | $279 |
| Travelers | $268 | $-16 | $237 |
| Kemper | $289 | $-38 | $367 |
| Nationwide | $327 | $-76 | $425 |
*Rates are for 16 to 19-year-old drivers with no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Ventura
GEICO offers the best minimum coverage rate for young drivers in Ventura, $44 per month, while Progressive has the most affordable full coverage rate, $104. Check the table below to compare low-cost options across different driver profiles.
| GEICO | Minimum Coverage | $44 |
| Progressive | Full Coverage | $104 |
| National General | Drivers With a DUI | $85 |
| CIG | Drivers With an Accident | $110 |
| National General | Drivers With a Speeding Ticket | $85 |
Cheapest Car Insurance Companies for Young Drivers in Ventura
GEICO and Progressive offer the most affordable auto insurance for young drivers in Ventura at $75 monthly. The table below shows other companies with competitive rates.
| GEICO | $75 | $32 |
| Progressive | $75 | $32 |
| National General | $81 | $26 |
| State National | $91 | $16 |
| CIG | $94 | $13 |
| Mercury | $94 | $13 |
| AAA | $96 | $12 |
| State Farm | $97 | $10 |
| Hartford | $107 | $0 |
*Rates are for 25-year-old drivers with no driving violations for minimum and full coverage policies.
Best Car Insurance Rates for Seniors in Ventura
GEICO, Progressive, National General and CIG offer the cheapest car insurance for seniors in Ventura, but rates vary by driving history and coverage needs. The table below shows the most affordable providers for different driver and coverage profiles.
| GEICO | Minimum Coverage | $36 |
| Progressive | Full Coverage | $86 |
| National General | Drivers With a DUI | $71 |
| CIG | Drivers With an Accident | $93 |
| National General | Drivers With a Speeding Ticket | $71 |
Cheapest Car Insurance for Seniors in Ventura
GEICO and Progressive offer the cheapest monthly premium for seniors, $63, for minimum and full coverage plans. The table below shows the top car insurance options for seniors in Ventura.
| GEICO | $63 | $21 |
| Progressive | $63 | $20 |
| State Farm | $65 | $19 |
| National General | $68 | $16 |
| State National | $71 | $13 |
| Hartford | $72 | $12 |
| Mercury | $73 | $10 |
| AAA | $74 | $9 |
| CIG | $80 | $4 |
*Rates are for 65-year-old drivers with no driving violations for minimum and full coverage policies.
Car Insurance Cost for High-Risk Drivers in Ventura
High-risk drivers in Ventura pay less for minimum coverage and full coverage than the state averages. Drivers with DUIs pay the most for car insurance, while accidents and speeding tickets have a smaller impact on costs.
| Ventura Average | $1,122 | $2,575 |
| State Average | $1,239 | $2,989 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Insurers typically consider minor driving incidents, like a not-at-fault accident or a speeding ticket, for about three to five years. For more severe offenses, such as a DUI, insurers may take account for up to 10 years, and you might need to file SR-22 to meet California's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Ventura
National General offers the cheapest car insurance for drivers with a DUI in Ventura at $543 annually for minimum coverage and $1,140 for full coverage. Check out the table below for more low-cost coverage options.
| National General | $45 | $95 |
| Mercury | $70 | $170 |
| Farmers | $85 | $278 |
| Progressive | $86 | $201 |
| GEICO | $90 | $220 |
*Rates are for a 40-year-old driver with a DUI.
Cheapest Auto Insurance Rates With an Accident in Ventura
CIG and National General offer the cheapest auto insurance after an at-fault accident in Ventura. The table below shows various providers offering affordable coverage.
| CIG | $60 | $136 |
| National General | $65 | $134 |
| State National | $66 | $147 |
| GEICO | $66 | $155 |
| Farmers | $68 | $222 |
*Rates are for a 40-year-old driver with an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Ventura
National General is the cheapest car insurance provider for drivers with speeding tickets in Ventura, offering minimum coverage at $45 and full coverage at $95 monthly. Check the table below to see how much other providers charge drivers with speeding tickets.
| National General | $45 | $95 |
| CIG | $58 | $132 |
| Mercury | $56 | $136 |
| GEICO | $56 | $138 |
| Kemper | $60 | $143 |
*Rates are for a 40-year-old driver with a speeding ticket.
Minimum Car Insurance Requirements in Ventura, CA
California mandates that each city follows statewide car insurance minimums. Your policy must include at least:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
Imagine a minor fender bender. With minimum coverage, your policy covers up to $5,000 in property damage, protecting you against unexpected costs.
Cheap Car Insurance in Ventura: Bottom Line
GEICO offers the cheapest minimum coverage in Ventura, while Progressive has the lowest full coverage rates. Affordable options are available regardless of your age or driving record. Ensure your policy includes California’s mandatory coverage, including bodily injury and property damage liability. Compare providers to find budget-friendly rates that comply with state laws.
Ventura Auto Insurance: FAQ
We answer common questions about affordable and best car insurance options in Ventura.
What is the cheapest car insurance company in Ventura, CA?
GEICO offers the most affordable minimum coverage auto insurance in Ventura, California, at $37 per month, saving users up to $15.
What is the best car insurance company in Ventura, CA?
CIG offers the best car insurance in Ventura, California, with a MoneyGeek score of 83 out of 100 and an annual premium of $901 for minimum coverage.
How much does car insurance cost on average in Ventura, CA?
The average monthly cost of minimum coverage car insurance in Ventura, California, ranges from $52 for seniors to $123 for drivers with a DUI.
Best Cheap Car Insurance in Ventura: Our Methodology
MoneyGeek analyzed Ventura auto insurance prices using the California Department of Insurance and Quadrant Information Services data.
Ventura Driver Profile
To assess the best and most affordable auto insurance options for Ventura 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 Ventura
In assessing the car insurance quotes for Ventura, we gathered data for minimum and full coverage policies, ensuring each insurer conformed to California's minimum coverage requirements:
- $15,000 in bodily injury liability per person
- $30,000 in bodily injury liability per accident
- $5,000 in property damage liability per accident
For full coverage policies, MoneyGeek increased limits to:
- $100,000 in bodily injury liability per person
- $300,000 in bodily injury liability per accident
- $100,000 in 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)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among California providers, MoneyGeek used six sources:
- Quadrant Information Services provided actual policy quotes in Ventura
- 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 50,284 quotes from 14 insurance companies in Ventura for the average driver of various ages who drives a Toyota Camry with a clean record, barring specific exceptions.
For more information on how we rate insurers, visit MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. 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's also a 5-time Jeopardy champion!
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.