Cheapest Auto Insurance in Oxnard, California (2024)

The average monthly cost of full-coverage car insurance in California is $255, similar to the full-coverage average of $247 in Oxnard. The city’s lower rates of traffic injuries and fatalities compared to Los Angeles, an hour and 30 minutes away, may result in lower car insurance premiums than in some other California cities. 

Even though they already pay relatively lower rates than other California drivers, Oxnard drivers who want to save on car insurance premiums should consistently shop for quotes every six months and look for discounts. Here’s what you need to know about finding affordable Oxnard car insurance.

3 of the cheapest car insurance companies in Oxnard

Finding the right car insurance company in Oxnard requires a thorough evaluation of your unique needs and circumstances rather than simply searching for the cheapest auto insurance policies. Factors such as your driving history, vehicle type, and coverage preferences help determine which insurance company can offer you the most affordable prices.

To help you in your search, here are some of the best and most affordable car insurance companies in Oxnard.

Best insurer for low-mileage drivers: Mile Auto

Best insurer for digital policy management: Clearcover

Best insurer for full coverage: Travelers

How to get the cheapest car insurance in Oxnard

While car insurance is an unavoidable cost as a car owner, you can save money on it in multiple ways. When searching for inexpensive car insurance in Oxnard, these tips can be helpful:

• Pick a higher deductible. Choosing a higher deductible can result in a lower premium. But ensure that you have enough savings to cover the deductible amount in case you need to file a claim.

• Compare different quotes. Finding the right policy at the best price is the goal, rather than simply looking for cheap car insurance in Oxnard. Since insurance companies offer different rates to drivers, it’s important to compare quotes from multiple insurers to get the best deal.

• Bundle your policies. Ask insurance agents you’re working with if multi-policy discounts are available. You can typically get a discount when you combine your car insurance with other policies like renters, business, motorcycle, home, or condo insurance.

• Inquire about potential discounts. Some insurance companies offer discounts based on factors such as good grades, low mileage, or having certain safety features in your car. When shopping for insurance, it’s important to ask about any discounts that could further reduce your car insurance premiums. If you don’t see discounts listed on the company website, call and ask about what potential discounts you can qualify for.

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Cheapest liability-only car insurance in Oxnard: Mile Auto

Liability insurance is a requirement in Oxnard and in all of California. This insurance option covers your financial liability if you’re at fault for damages or injuries to others in a car accident. Remember that liability coverage doesn’t include coverage for your medical expenses or vehicle repairs.

Oxnard drivers pay an average of $125 per month for liability coverage.

Take a look at the following table for insight into which car insurance companies in Oxnard offer the cheapest liability-only policies.

Cheapest full-coverage car insurance in Oxnard: Mile Auto

If you want cheap car insurance that just covers damages and injuries you cause, liability-only coverage is a good option. But for more protection, you can purchase a full-coverage auto insurance policy, which typically includes comprehensive and collision coverages. Because it adds more protection, it’s generally more expensive, but the trade-off is having coverage for damages to your vehicle, regardless of fault.

Full-coverage policies in Oxnard cost $247 per month, on average.

For the most affordable full-coverage policies in Oxnard, refer to the table below.

Car insurance requirements in California

California law stipulates that drivers must carry car insurance coverage that meets the minimum requirement of 15/30/5. This means having the following coverages:^[1]

You can also consider these optional coverages to enhance your auto policy with more protection:

• 

  Comprehensive coverage

  Comprehensive coverage pays for losses and damages from events such as fire, vandalism, theft, falling objects, and natural disasters.

• 

  Collision coverage

  Collision coverage pays for damages resulting from collisions with other vehicles or objects, regardless of fault.

• 

  Glass coverage

  Glass coverage pays for windshield and glass damages, with certain policies offering zero-deductible coverage for side windows, rear windows, and glass sunroofs.

• 

  Gap coverage

  Particularly valuable for financed or leased vehicles, gap insurance covers the difference between your auto loan balance and the insurance settlement in the event of a total loss.

California’s low-cost auto insurance program

The state created California’s Low Cost Automobile insurance program (CLCA) to help qualifying drivers afford auto coverage. Through this program, drivers can purchase car insurance coverage at an annual premium between $232 and $932, depending on the county. To be eligible for the program, drivers must meet the following requirements:

• Hold a valid California driver’s license

• Meet income eligibility criteria

• Own a vehicle valued at $25,000 or less

• Be at least 16 years old

• Have a good driving record or be a new driver

The program’s auto insurance meets the state’s minimum liability requirements. But drivers have the option to add medical payments and uninsured/underinsured motorist coverage for an additional cost of $37 to $107 per year. Drivers can submit applications for the program online at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

Affordable car insurance is essential for drivers who have a track record of incidents such as speeding tickets, driving under the influence (DUI), and at-fault car accidents. Keep in mind that these incidents generally result in higher insurance premiums due to the higher likelihood of future claims.

But don’t let a spotty driving record deter you from finding affordable insurance. Insurify’s data provides valuable information on the cheapest companies available.

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Cheapest car insurance for drivers with a speeding ticket: Mile Auto

Driving at speeds exceeding the legal limit not only is unsafe but also puts you and others at risk of harm.^[3] Having a speeding ticket on your driving record will likely lead to higher auto insurance premiums compared to drivers with a clean record.

Drivers in Oxnard with a speeding ticket pay an average of $175 per month for liability coverage and $345 per month for full coverage.

Here’s an overview of the lowest average monthly auto insurance quotes for drivers in Oxnard with a speeding ticket on their driving records.

Cheapest car insurance for drivers with an at-fault accident: Mile Auto

When your driving record includes an at-fault accident, your auto insurance premiums rise. Insurance companies raise rates to offset the risk of future accidents and claims.^[4]

Liability policies for Oxnard drivers with an accident cost $163 per month, and full coverage costs $322 per month, on average.

If you live in Oxnard and have an at-fault accident on your record, refer to the table below to explore the most affordable coverage.

Cheapest car insurance for drivers with a DUI: Mile Auto

Oxnard had 117 injuries and three fatalities from alcohol-related crashes in 2019.^[5] Driving while under the influence is a severe offense that not only jeopardizes lives but also leads to substantially higher car insurance premiums. Moreover, in California, a DUI conviction may result in an SR-22 insurance filing requirement. Insurance companies perceive a DUI history as a significant liability, resulting in higher rates.

Drivers in Oxnard with a DUI pay an average of $168 per month for liability coverage. Average monthly rates for full-coverage insurance jump to $332.

For drivers with a DUI on their record, here are the most cost-effective insurance companies in Oxnard.

Cheapest car insurance for seniors: Mile Auto

Age plays a crucial role in determining car insurance rates, with prices generally declining as drivers gain experience and enter their mid-30s. But around age 70, drivers may experience a slight uptick in premiums due to various factors, including potential health issues and heightened accident risks.^[6]

Senior drivers in Oxnard pay an average of $103 per month for liability coverage.

If you’re a senior driver in Oxnard, here are the companies that provide some of the lowest average monthly quotes, according to Insurify data.

Cheapest car insurance for teens: Mile Auto

Teenagers and young adults often pay higher car insurance premiums than older drivers due to their limited experience and increased risk factors.

Teen drivers in Oxnard pay $194 per month, on average, for a minimum-coverage policy.

For teenagers, one way to get affordable car insurance is to remain on a parent’s insurance policy, which generally leads to lower rates. Additionally, choosing a safe and reliable vehicle with safety features and maintaining good academic performance to qualify for good student discounts can significantly contribute to getting low rates for insurance coverage.

The table below shows the cheapest car insurance companies for teens and young adults in Oxnard, California.

Is car insurance more expensive in Oxnard?

The national average for full-coverage car insurance in the U.S. is $213 per month. But in Oxnard, drivers pay more — approximately $247 per month for the same level of coverage. It’s important to understand that insurance rates can differ significantly based on ZIP codes, with various factors — such as weather, crime, and traffic — playing a role in determining these rates.

When comparing car insurance rates among California cities, drivers in San Diego have lower average premiums than Oxnard drivers, while drivers in San Francisco pay more.

More cities in California

Average car insurance rates in Oxnard are lower than in many other California cities. This could be because insurers consider traffic injuries and fatalities in a city when determining premiums. Cities like Los Angeles, which experienced a considerably higher number of traffic injuries and fatalities in 2020 compared to Oxnard, often have higher average car insurance costs.

To better understand the differences in average car insurance expenses among cities, here are average car insurance quotes in some other California cities.

Oxnard car insurance FAQs