Updated: November 29, 2024
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In Oxnard, California, Farmers is both the overall best and cheapest choice for home insurance. If customer service is your priority, however, Chubb is best.
These companies cater to different needs, so we recommend choosing a provider based on what is important to you. Factors like cost, service quality and coverage options affect your decision.
Best HomeInsuranceOxnard, CATable of Contents
Why Trust MoneyGeek? We used data from California's Department of Insurance and Quadrant Information Services to help us find the best homeowners insurance in Oxnard.
Home insurance quotes in Oxnard represent the most competitive rates as of September 2024.
MoneyGeek found that Farmers is the best option in Oxnard, California, for home insurance with a 100K dwelling coverage, earning a MoneyGeek score of 85 out of 100. The scores for home insurance companies in Oxnard, California, range from 55 to 88. These figures reflect MoneyGeek's scoring system, which may vary based on factors like credit history and the age of your home.
| Farmers | 85 | $282 |
| Chubb | 83 | $486 |
| Travelers | 77 | $444 |
| Allstate | 75 | $386 |
| Nationwide | 60 | $668 |
| State Farm | 55 | $752 |
| Capital Insurance Group | 49 | $548 |
Farmers is the best option in Oxnard, California, for $100K dwelling coverage. The two best overall home insurance companies in Oxnard for this coverage are:
Farmers stands out as the best home insurance provider due to its affordability and decent customer satisfaction, which are significant contributors to the MoneyGeek score.
In Oxnard there are a variety of companies with different cost and service experiences. Although cost is important, also consider customer service, coverage options and claims handling for a more comprehensive view of home insurance options.
Farmers stands out with a high MoneyGeek score, thanks to its strong affordability and satisfaction ratings. It offers comprehensive home insurance coverage, including matching siding coverage and waiver of deductible for glass. Discounts like non-smoker discount and affinity help policyholders save. Non-smokers can qualify for lower premiums, making Farmers a great option.
Farmers provides useful coverages like scheduled personal property, which helps replace belongings if damaged. Back-up of sewer or drain can cover repair costs from water damage. Guaranteed replacement cost helps with extra expenses if repair costs exceed policy limits. These coverages offer valuable protection for homeowners.
Chubb offers the best customer service in home insurance in Oxnard, California for $100K dwelling coverage. It stands out among its competitors with a top MoneyGeek score and affordable premiums.
Chubb is the best due to its high customer satisfaction and a well-rounded coverage score. It excels in providing value for money by offering competitive premium rates and comprehensive coverage options. Great service in home insurance means promptly addressing claims with clear communication and efficient resolution.
Chubb scores high in customer satisfaction and coverage, making it a top choice. It offers comprehensive home insurance with guaranteed replacement cost and building ordinance or law. You can save with discounts like protective device and new home. For example, you get a discount if your home is 10 years old or less.
Chubb's coverages are useful for homeowners. Guaranteed replacement cost helps rebuild your home even if costs exceed limits. Building ordinance or law pays for updates to meet current codes. Cash settlement gives you money if you choose not to rebuild.
Farmers is the best cheap home insurance option in Oxnard, California. The top two best cheap insurance providers for $100K dwelling coverage are:
Farmers stands out for its excellent customer satisfaction and affordability, making it a great choice for homeowners. Cheap home insurance often means choosing lower coverage, which can help save money but might not be enough if an accident happens. In instances where saving on premiums is a priority, considering the cheapest homeowner insurance companies may be beneficial.
Farmers is the best cheap company with a high MoneyGeek score thanks to its affordability. It offers back-up of sewer or drain and matching siding coverage as add-ons. You can save with discounts like non-smoker discount and affinity. Non-smokers can qualify for lower premiums.
Farmers provides useful coverages like scheduled personal property to protect belongings, guaranteed replacement cost for extra repair costs, and cyber event/ID theft for identity protection.
MoneyGeek’s home insurance calculator will give you a ballpark estimate of your cost — it’s free, no personal information required, no spam.
Rates updated:
Dec 23, 2024
Location and other factors influence homeowners insurance in Oxnard. Comparing rates is crucial for saving, but it takes time—up to 15 minutes per company. Checking three or more companies might take an hour. Use MoneyGeek's home insurance calculator to save instantly. Enter your age, dwelling coverage, credit score, deductible, liability coverage and a few other details to get a rate estimate.
Farmers offers the most affordable home insurance in Oxnard, California. The main factor affecting home insurance premiums is the dwelling coverage you select.
Farmers stands out for its low cost and high score in Oxnard, making it an attractive option. While Travelers is cheaper for 500K coverage, Allstate offers a competitive score. Opting for a cheapest homeowners insurance in California can significantly ease budget management.
| Farmers | $282 |
| Allstate | $386 |
| Travelers | $444 |
| Chubb | $486 |
| Capital Insurance Group | $548 |
| Nationwide | $668 |
| State Farm | $752 |
Allstate is your best choice for affordable home insurance for high-value homes in Oxnard, CA. High dwelling coverage is essential for homes that are more costly to replace, as home insurance costs rise with higher value coverage.
Allstate ranks as the cheapest in Oxnard due to its significantly lower price compared to competitors. It also scores well for affordability.
| Allstate | $2,147 |
| Capital Insurance Group | $2,298 |
| Travelers | $2,341 |
| Chubb | $2,613 |
| Farmers | $3,034 |
| Nationwide | $3,345 |
| State Farm | $3,668 |
Farmers offers the cheapest home insurance for new homes in Oxnard, California.
Farmers stands out for new homes in Oxnard because it provides the lowest costs for $100K dwelling coverage. However, the cheapest is not always the best option, as indicated by its ranking compared to others. Be sure you are adequately covered to meet your needs.
| Farmers | $135 |
| Travelers | $229 |
| Allstate | $276 |
| Nationwide | $281 |
| Capital Insurance Group | $357 |
| State Farm | $376 |
| Chubb | $405 |
Affordable homeowners insurance providers balance quality and cost by offering excellent customer service and comprehensive coverage with reasonable premiums.
The best cheap homeowners insurance in Oxnard depends on your needs, so consider factors beyond premiums, like coverage limits and deductibles. Follow these steps to get the best cheap home insurance: assess your needs, compare quotes and check provider reputation.
To determine how much home insurance coverage you need, consider the specifics of your home in Oxnard, California. Think about rebuilding costs, personal property value and liability coverage.
Research insurance companies operating in Oxnard. Focus on those with a solid financial background, positive customer feedback and a strong history of service.
Once you understand your coverage needs, compare home insurance quotes. In Oxnard, California, premiums for $100K dwelling coverage range from $282 with Farmers to $668 with Nationwide.
Inquire with each provider about potential discounts you may qualify for, such as bundling policies, adding safety features or maintaining a claims-free record.
Opting for a higher home insurance deductible can reduce your premium, but ensure it is an amount you can manage in case of a claim.
Enhancing your home security with systems and strong locks can lower your risk profile and potentially reduce insurance costs.
A strong credit score can influence your insurance rates in Oxnard, California. Pay bills promptly and minimize outstanding debt.
Consider combining your homeowners insurance with other policies, like auto insurance, to receive discounts and save money.
The best cheap home insurance provider for you in Oxnard depends on how much coverage you need and your budget. Get answers to some of the most commonly asked questions about the best cheap insurance rates in Oxnard.
The average cost of home insurance in Oxnard, California, is $400.
The cheapest home insurance company in Oxnard, California, is Farmers with an annual premium of $282.
The best home insurance in California for Oxnard residents is provided by Farmers, with a MoneyGeek score of 85 out of 100.
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.
