Cheapest Auto Insurance in Oxnard, California (2024)

With monthly liability rates of $59, Mile Auto is the cheapest car insurance company in Oxnard.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark Friedlander
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Updated June 16, 2024

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Cheapest recent rates near Oxnard, California

Recent Oxnard, California car insurance prices for Dodge, Nissan, Subaru , and more.

*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

The average monthly cost of full-coverage car insurance in California is $277, similar to the full-coverage average of $259 in Oxnard. The city’s lower rates of traffic injuries and fatalities compared to Los Angeles, an hour and 30 minutes to the east, 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.

Quick Facts
  • Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in Oxnard.

  • Oxnard drivers pay an average of $3,107 per year for full-coverage car insurance.

  • The overall average car insurance rate of $198 per month in Oxnard is higher than the overall national average of $160 per month.

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mile Auto3.7$114$61Low-mileage drivers
Clearcover3.4$137$67Digital policy management
Travelers4.5$378$178Full coverage
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1-to-5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low-mileage drivers: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.7
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo

If you’re a driver who doesn’t log many miles behind the wheel, Mile Auto is an excellent selection. With its pay-per-mile insurance, it advertises significant average savings of 30% to 40% on your current premiums, making it a great option for low-mileage drivers.

Pros
  • Provides savings for drivers with low mileage

  • No in-car telematics device requirements

Cons
  • No mobile app available

  • Limited additional discounts

Best insurer for digital policy management: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$87/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$143/mo

Clearcover offers a quick and personalized quote process, ensuring policyholders receive the coverage they need without any hassle. Moreover, Clearcover’s claims process is highly efficient, with an average filing time of just seven minutes. The company typically pays claims within a week.

Pros
  • Offers streamlined claims process

  • Mobile app available for policy management

Cons
  • Bundling insurance isn’t available

  • Fewer discounts than competitors

Read our Clearcover review
Jimmy - June 5, 2024
Verified

Too Expensive

I had them for years and made no claims. However, upon checking around, I found them to be too expensive. They were charging $200 a month more for the same coverage.

Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

Best insurer for full coverage: Travelers

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$171/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$366/mo

Travelers car insurance stands out for its convenience and robust coverage options. Its customizable insurance offerings include liability, comprehensive, collision, gap, new-car replacement, roadside assistance, and rental reimbursement coverage.

Pros
  • Offers new-car replacement coverage

  • Has plenty of discounts for drivers

Cons
  • Rideshare insurance not available in California

  • Lower than average (871 out of 1,000) rating for claims satisfaction from J.D. Power[1]

Read our Travelers review
Kevin - June 15, 2024
Verified

Travelers Insurance Excellent Online Tools

The only issue was that the rate increased too much when new drivers were added.

Kevin - June 14, 2024
Verified

Looking for Another Company

It's not worth the money. My rate went up by almost $550 in less than a year.

Dorothy - June 6, 2024
Verified

Travelers Insurance

Travelers has been my insurance company for over 10 years and I am very satisfied.

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 for collision and comprehensive coverages 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. Insurance professionals recommend you get at least three quotes when comparison shopping for auto insurance.

  • 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.

Find Cheap Car Insurance in Oxnard, California

Liability rates start at $59 per month

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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 $137 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$59
Sun Coast$74
Mercury$87
Anchor$95
Dairyland$103
USAA$106
National General$126
GEICO$142
Allstate$147
Direct Auto$149
Farmers$150
State Farm$163
Travelers$171
21st Century$186
Bristol West$195
Nationwide$230
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $259 per month, on average.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Mile Auto$112
Mercury$165
Anchor$215
Sun Coast$215
USAA$226
Dairyland$295
National General$297
GEICO$302
Allstate$313
Farmers$321
State Farm$348
Direct Auto$350
Travelers$366
21st Century$398
Bristol West$399
Nationwide$490
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Oxnard, California

Recent Oxnard, California car insurance prices for Ford, Nissan, Honda , and more.

*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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 June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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:[2]

CoverageMinimum Requirements
Bodily injury liability$15,000 per person / $30,000 per accident
Property damage liability$5,000 per accident
Important Information

California liability limits will increase on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[3]

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage pays for damages resulting from collisions with other vehicles or objects, regardless of fault. Collision also pays for rollover accidents and damage from hitting a pothole.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

Learn More: How Much Insurance Do You Need?

Learn More: How Much Insurance Do You Need?

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 for several years 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.

Shop for Car Insurance in Oxnard, CA

Monthly rates start at $78 for drivers with an incident

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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.[4] Having a speeding ticket on your driving record will likely lead to higher auto insurance premiums for three to five years compared to drivers with a clean record.

Drivers in Oxnard with a speeding ticket pay an average of $186 per month for liability coverage and $352 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Mile Auto$59$80
Sun Coast$74$101
Mercury$87$118
Anchor$95$120
Dairyland$103$131
USAA$106$133
National General$126$155
GEICO$142$179
Allstate$147$185
Direct Auto$149$189
Farmers$150$188
State Farm$163$204
Travelers$171$217
21st Century$186$241
Bristol West$195$244
Nationwide$230$293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 for three to five years. Insurance companies raise rates to offset the risk of future accidents and claims.[5]

Liability policies for Oxnard drivers with an accident cost $176 per month, and full coverage costs $332 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Mile Auto$59$82
Sun Coast$74$95
Mercury$87$117
Anchor$95$132
Dairyland$103$130
USAA$106$134
National General$126$159
GEICO$142$180
Allstate$147$185
Direct Auto$149$192
Farmers$150$188
State Farm$163$204
Travelers$171$217
21st Century$186$240
Bristol West$195$242
Nationwide$230$293
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Mile Auto

Oxnard had 181 injuries and fatalities from alcohol-related crashes in 2023.[6] Driving while under the influence is a severe offense that not only jeopardizes lives but also leads to substantially higher car insurance premiums for several years. Moreover, in California, a DUI conviction will 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 $203 per month for liability coverage. Average monthly rates for full-coverage insurance jump to $384.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Mile Auto$59$84
Sun Coast$74$110
Mercury$87$124
Anchor$95$151
Dairyland$103$163
USAA$106$168
National General$126$200
GEICO$142$225
Allstate$147$233
Direct Auto$149$236
Farmers$150$238
State Farm$163$258
Travelers$171$271
21st Century$186$295
Bristol West$195$309
Nationwide$230$365
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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-20s. But around age 70, drivers may experience a slight uptick in premiums due to heightened accident risks.

Senior drivers in Oxnard pay an average of $120 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto$46$88
Sun Coast$65$189
Mercury$68$129
Anchor$77$173
Dairyland$85$244
USAA$87$186
National General$104$245
GEICO$117$248
Direct Auto$119$279
Farmers$121$258
Allstate$122$259
State Farm$131$279
Travelers$139$297
21st Century$144$308
Bristol West$161$330
Nationwide$178$379
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $207 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. Drivers younger than 18 can't purchase their own policy without the written consent of a parent or guardian. 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.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Mile Auto$106$201
Sun Coast$112$325
Mercury$146$276
Anchor$154$348
Dairyland$158$451
USAA$161$343
GEICO$203$432
National General$219$516
Allstate$236$502
Farmers$242$519
Direct Auto$250$588
State Farm$253$539
21st Century$283$606
Travelers$283$606
Bristol West$304$622
Nationwide$360$766
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Compare Auto Quotes in Oxnard

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Is car insurance more expensive in Oxnard?

The national average for full-coverage car insurance in the U.S. is $215 per month. But in Oxnard, drivers pay more — approximately $259 per month for the same level of coverage. It’s important to understand that insurance rates can differ significantly based on city, 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 2023 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.

CityFull CoverageLiability Only
Bakersfield$241$112
Fresno$241$127
Los Angeles$340$198
Modesto$276$130
Riverside$283$135
Sacramento$292$137
San Diego$233$116
San Francisco$294$148
San Jose$270$125
Stockton$300$138
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Oxnard car insurance FAQs

Read Insurify’s guide on why your car insurance rates might be so high, and check out the answers to frequently asked questions about auto coverage in Oxnard.

  • How much is car insurance in Oxnard?

    The average cost of car insurance in Oxnard is $137 per month for liability-only coverage and $259 per month for full coverage.

  • Which company has the cheapest car insurance in Oxnard?

    Mile Auto has the cheapest car insurance in Oxnard, with monthly liability rates as low as $59. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $74 and $87.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Oxnard?

    The best car insurance companies in Oxnard include Clearcover, Mile Auto, and Travelers. These insurers offer plenty of coverage options and low rates for drivers in the city. But the best auto insurer for you depends on your needs and budget, so it’s important to get multiple quotes to compare your options.

  • What is the minimum car insurance coverage in California?

    California requires 15/30/5 liability coverage, which translates to $15,000 per person and $30,000 per accident for bodily injury liability coverage and $5,000 per accident for property damage liability coverage.

  • Does credit score affect your car insurance rates in Oxnard?

    No. Insurers in California can’t use your credit score or history to determine your car insurance premiums.[7] This means that just because you may have bad credit, you won’t pay more for car insurance than someone with good credit.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
  2. California Department of Motor Vehicles. "Insurance Requirements."
  3. California Legislative Information. "SB-1107 Vehicles: insurance."
  4. National Safety Council. "Speeding."
  5. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  6. University of California, Berkeley. "Transportation Injury Mapping System."
  7. Federal Trade Commission. "Credit-Based Insurance Scores."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications
Mark Friedlander
Mark FriedlanderDirector, Corporate Communications
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

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