120+ more*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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5+ years experience in personal finance writing
Personal finance blogger
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
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Media relations director for Insurance Information Institute
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Updated
USAA is the cheapest insurer in Oxnard, CA.
Oxnard auto insurance averages $138 per month — less than the state average of $148 per month.
Among 62 California cities, Oxnard ranked fourth for nighttime collisions and fifth for alcohol-related crashes in 2023.[1]
Car insurance in Oxnard averages $190 per month for full coverage and $86 for liability-only coverage, according to Insurify data. Oxnard’s rates are below the California state average and lower than in nearby Thousand Oaks and Los Angeles.
Although Oxnard is densely populated, with 7,617 people per square mile, according to the U.S. Census Bureau, it’s not as crowded as Los Angeles. Drivers in Oxnard also drive fewer miles each year than drivers in many other California cities, averaging 9,046 miles annually.
Fewer people and fewer miles driven may contribute to Oxnard’s lower insurance rates.
The following table compares the average cost of car insurance in Oxnard to the California state average.
Car Insurance Costs in Oxnard vs. California | Average Monthly Quote |
|---|---|
| Oxnard average | $138 |
| California average | $148 |
USAA has the cheapest liability car insurance in Oxnard, averaging $63 per month.
Meanwhile, Oxnard drivers may find the best full-coverage rates from Aspire General, averaging $116 per month.
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Oxnard has a medium risk for severe storms and flooding, according to the Ventura County Hazard Mitigation Plan. Pacific storms can flood low-lying streets, especially near rivers, storm drains, and coastal zones.
Because even one foot of water can sweep your car away, avoid driving through flooded streets.
Nighttime driving is another risk to consider. In 2023, Oxnard ranked No. 4 out of 62 comparably sized California cities for crashes between 9 p.m. and 3 a.m, according to the California Office of Traffic Safety.
Even if you drive safely, some risks are outside of your control. More than 20% of California drivers are uninsured.[2]
For this reason, you may want to consider adding uninsured motorist (UM) coverage to pay for medical expenses. California limits UM property damage payouts to $3,500, but you must be able to identify the other driver.[3]
California ranked No. 1 nationally for vehicle theft volume in the first half of 2025, according to Insurify data. Although vehicle theft in the state declined by 26% year over year, vehicle theft rates still influence car insurance rates across the state.
The Oxnard-Thousand Oaks-Ventura area ranked 76th for auto theft volume during the same period — far lower than Los Angeles, which ranked No. 1 in the nation.
Insurers often charge more for comprehensive coverage in high-theft areas, but Oxnard’s low theft rates may contribute to lower insurance costs.
Glendale and Beverly Hills are among the most expensive cities in California for car insurance, while Lompoc and Hanford are the cheapest, on average. Oxnard falls in the middle, with rates sitting below the state average.
For example, drivers in nearby Los Angeles, about 60 miles east of Oxnard, pay much higher average rates. As a densely populated metro area, LA has more accident exposure and ranked No. 1 in 2025 for vehicle theft by volume.
While Oxnard also has a much higher population density than the state average, its shorter average commute times and lower auto theft rates may keep premiums lower.
The following table compares average monthly car insurance quotes in Oxnard to those in other cities across California.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fontana | $160 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Hayward | $153 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Roseville | $140 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
A portion of U.S. Highway 101, known as the Ventura Freeway, runs through northern Oxnard. Heavy traffic, especially during morning and evening rush hours, contributes to higher insurance rates. To reduce traffic congestion, the state plans to add an HOV lane to US-101 in 2026, according to the Ventura County Transportation Commission.
While the city’s Local Road Safety Plan names Ventura Road and Bard Road as hot spots for collisions, Oxnard’s average commute of about 25 minutes is shorter than the California average. Less time on the road means less accident risk, which may keep premiums down.
Driving behavior also affects insurance costs, and getting a DUI can significantly increase your rates.
Oxnard has fewer DUI arrests than other California cities. This could be because the Oxnard Police Department holds regular DUI checkpoints, including at Oxnard Boulevard and Second Street.
To meet California car insurance requirements, you must carry liability coverage, including $30,000 per person and $60,000 per accident for bodily injuries and $15,000 for property damage.[4]
The state may suspend your driver’s license for up to four years if you’re involved in a collision without insurance.
Oxnard liability insurance is cheaper than the state average, at $86 per month. Although it’s more affordable than full coverage, it doesn’t offer as much protection.
The following table shows cheap liability car insurance in Oxnard, with USAA offering the best rates.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $63 |
| Aspire General | $66 |
| GEICO | $68 |
| Sun Coast | $69 |
| Mercury | $70 |
| National General | $70 |
| Dairyland | $77 |
| Direct Auto | $84 |
| Root | $84 |
| Allstate | $86 |
| Farmers | $88 |
| Anchor | $92 |
| State Farm | $96 |
| Bristol West | $97 |
| Kemper Special | $100 |
| Travelers | $100 |
| 21st Century | $110 |
| Kemper Rsvp | $110 |
| Chubb | $171 |
Oxnard drivers may want to consider a full-coverage car insurance policy to protect against collisions and weather-related damage. Parts of Oxnard fall within high and moderate Fire Hazard Severity Zones, according to the City of Oxnard. Comprehensive coverage can pay to repair or replace your vehicle after fire damage.
Full coverage in Oxnard costs $190 per month on average, which is lower than in many other California cities. Aspire General has the cheapest average rates.
You can compare quotes for cheap full-coverage car insurance in Oxnard below.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $116 |
| Root | $130 |
| Mercury | $135 |
| GEICO | $138 |
| USAA | $140 |
| Kemper Special | $154 |
| Kemper Rsvp | $157 |
| Sun Coast | $161 |
| Anchor | $173 |
| Dairyland | $184 |
| National General | $188 |
| Allstate | $192 |
| Farmers | $198 |
| Bristol West | $207 |
| Direct Auto | $209 |
| State Farm | $215 |
| Travelers | $225 |
| 21st Century | $245 |
| Chubb | $382 |
*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on July 17, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Slightly more than 4% of Oxnard drivers have a ticket on their record, according to Insurify data. A standard speeding conviction in California adds one point to your license and stays on your record for at least three years, according to the California Department of Motor Vehicles.
If you drive over 100 mph, the state can fine you up to $500.
A speeding ticket increases insurance costs to an average of $109 per month for liability coverage, but you may find the lowest rates with USAA.
Below are quotes for affordable liability-only car insurance in Oxnard after a ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| Aspire General | $84 |
| Sun Coast | $88 |
| National General | $88 |
| GEICO | $90 |
| Dairyland | $96 |
| Mercury | $97 |
| Root | $101 |
| Direct Auto | $106 |
| Allstate | $112 |
| Farmers | $113 |
| Anchor | $114 |
| State Farm | $123 |
| Bristol West | $123 |
| Kemper Special | $127 |
| Travelers | $130 |
| Kemper Rsvp | $140 |
| 21st Century | $146 |
| Chubb | $219 |
In 2023, Oxnard ranked No. 6 out of 62 cities in California for crashes resulting in fatalities and injuries, according to the California Office of Traffic Safety. California is an at-fault state, meaning your liability coverage pays for injuries and property damage you cause to others in a crash.
Your liability coverage typically applies even if someone else is driving your car and causes an accident.
About 5% of drivers in Oxnard have an accident on their driving record, according to Insurify data. Insurers charge an average of $110 per month for liability coverage after an accident, and USAA offers these drivers the lowest average rates.
The following table shows the companies with the cheapest car insurance in Oxnard for drivers with an at-fault accident on their record.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| Aspire General | $84 |
| Sun Coast | $88 |
| GEICO | $88 |
| National General | $92 |
| Dairyland | $100 |
| Mercury | $103 |
| Root | $104 |
| Direct Auto | $113 |
| Allstate | $114 |
| Farmers | $116 |
| Anchor | $118 |
| State Farm | $125 |
| Bristol West | $126 |
| Kemper Special | $128 |
| Travelers | $133 |
| Kemper Rsvp | $140 |
| 21st Century | $148 |
| Chubb | $225 |
If the state of California convicts you of driving under the influence (DUI), you’ll need to file an SR-22 for three years. You also have to complete a DUI program before you can get your license reinstated.
Just over 1% of Oxnard drivers have a DUI, according to Insurify data, paying an average of $116 per month for liability-only coverage.
Below are quotes for the most affordable car insurance in Oxnard, with USAA offering the best rates.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $88 |
| Aspire General | $89 |
| Sun Coast | $93 |
| GEICO | $94 |
| National General | $98 |
| Mercury | $104 |
| Dairyland | $108 |
| Direct Auto | $117 |
| Root | $117 |
| Allstate | $120 |
| Farmers | $123 |
| Anchor | $129 |
| State Farm | $134 |
| Kemper Special | $135 |
| Bristol West | $135 |
| Travelers | $140 |
| 21st Century | $148 |
| Kemper Rsvp | $149 |
| Chubb | $239 |
Drivers younger than 18 years old in California have a provisional license, so they can’t drive between 11 p.m. and 5 a.m. for 12 months after obtaining it.[5]
In 2023, Oxnard ranked No. 2 among 62 cities for crashes involving a driver younger than 21 who had been drinking, highlighting why California has these restrictions in place.
Insurers consider teens high-risk, charging an average of $155 per month for liability coverage.
The table below compares the cheapest car insurance in Oxnard for teen drivers, with the most affordable rates from USAA.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $115 |
| Aspire General | $119 |
| GEICO | $122 |
| Sun Coast | $124 |
| Root | $126 |
| Mercury | $127 |
| Dairyland | $133 |
| National General | $138 |
| Direct Auto | $163 |
| Allstate | $168 |
| Bristol West | $170 |
| Farmers | $174 |
| Anchor | $175 |
| Kemper Special | $180 |
| State Farm | $185 |
| 21st Century | $196 |
| Kemper Rsvp | $198 |
| Travelers | $206 |
| Chubb | $349 |
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California has a lower senior population than the national average. In Oxnard, residents age 65 and older make up just over 12% of the population, an even smaller share than the state average.
Senior drivers in their 60s pay $78 per month on average for liability coverage in Oxnard — the lowest rate of any age group.
California drivers age 55 and older may also qualify for an insurance discount after they complete an eight-hour Mature Driver Improvement Program.[6]
Below are cheap Oxnard car insurance quotes for senior drivers, with the lowest average rates from USAA.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $52 |
| GEICO | $56 |
| National General | $57 |
| Mercury | $57 |
| Aspire General | $60 |
| Sun Coast | $63 |
| Dairyland | $67 |
| Direct Auto | $71 |
| Allstate | $72 |
| Farmers | $72 |
| Anchor | $76 |
| State Farm | $78 |
| Root | $79 |
| Travelers | $82 |
| Bristol West | $83 |
| 21st Century | $89 |
| Kemper Special | $91 |
| Kemper Rsvp | $100 |
| Chubb | $133 |
With more than 1,600 licensed insurers in California, finding the best car insurance coverage in Oxnard can feel overwhelming. The answers to frequently asked questions below can help you learn more about Oxnard auto insurance.
USAA has the cheapest car insurance in Oxnard, averaging $63 per month for liability coverage. An independent insurance agent can compare car insurance quotes to determine which company is the cheapest for you.
The best insurance company in Oxnard depends on your individual situation, since rates vary from person to person. An insurance agency can help you compare insurance products and discounts, such as bundling auto with home insurance or renters insurance, to find the right coverage.
Population density, commute times, auto theft rates, and weather conditions all affect the cost of car insurance in Oxnard. Your location, driving record, claims history, vehicle, type of insurance, and annual mileage also influence your rates.[7]
Collision coverage in Oxnard pays to repair or replace your vehicle after it hits another vehicle or object, regardless of who was at fault. Insurers typically pair it with comprehensive coverage as part of a full-coverage policy.
Full coverage in Oxnard averages $190 per month, according to Insurify data, so $200 is slightly on the expensive side. But rates vary depending on your location, driving record, and type of vehicle. Comparing quotes and car insurance discounts from several companies is the best way to see if you can find a better rate.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
