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.
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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Cheapest recent rates in California
Drivers using Insurify have found quotes as cheap as $55/mo for liability only and $109/mo for full coverage in California.
*Quotes generated for Insurify users from California within the last 10 days. Last updated on March 25, 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 March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from California within the last 10 days. Last updated on March 25, 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 March 25, 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 $258, surpassing the average of $235 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 for Oxnard drivers.
Even though they already enjoy 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, raise their deductibles, and look for discounts.
Here’s what you need to know about finding affordable Oxnard car insurance.
Quick Facts
Oxnard’s average car insurance costs are 49% cheaper than Los Angeles’ average rates.
California’s Low Cost Automobile insurance program provides affordable coverage to qualifying drivers.
Car insurance companies in California can’t use your credit score when determining premiums.[1]
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Best 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 play a role in determining 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.
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.
$66/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.
$122/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
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.
3.1
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.
$88/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.
$147/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.
Pros
Offers streamlined claims process
Mobile app available for policy management
Cons
Bundling insurance isn’t available
Offers fewer discounts than competitors
Larry - February 9, 2024
Verified
Excellent
No problems.
Oladiran - February 4, 2024
Verified
Poor
They are not friendly to the customer. They refused to renew despite me not having any claims.
Oladiran - February 4, 2024
Verified
Poor
They are not friendly to the customer. They refused to renew despite me not having any claims.
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.
4.3
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.
$169/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.
$364/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
No J.D. Power customer satisfaction ratings in California
Jeffrey - March 23, 2024
Verified
Excellent
Fast.
Lisa - March 14, 2024
Verified
Long-term customer with minor rate reduction
The premium is too much for what I need.
Abbas Ali - March 12, 2024
Verified
Hiding the Facts
They require you to install the telematics app on your phone to monitor your driving for 90 days, after which I was supposed to receive up to a 20% discount. I scored very high and was told the discount would be applied when I renew next year. This was absolutely untrue.
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.
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
66
Sun Coast
73
Mercury
88
Anchor
95
Safeco
97
USAA
105
Dairyland
117
National General
128
GEICO
140
Allstate
144
Farmers
148
Direct Auto
152
State Farm
160
Travelers
169
Bristol West
183
21st Century
184
Nationwide
226
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
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.
For the most affordable full-coverage policies in Oxnard, refer to the table below.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
122
Mercury
164
Sun Coast
171
Safeco
174
Anchor
202
USAA
225
Dairyland
271
National General
273
GEICO
300
Allstate
310
Farmers
320
State Farm
346
Travelers
364
Direct Auto
368
21st Century
396
Bristol West
408
Nationwide
487
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.
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]
Coverage
Minimum 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:
Comprehensive coverage
Comprehensive coverage pays for losses and damages from events such as fire, vandalism, theft, falling objects, and natural disasters.
Collision coverage
Collision coveragepays for damages resulting from collisions with other vehicles or objects, regardless of fault.
Glass coverage
Glass coveragepays 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:
Holding a valid California driver’s license
Meeting income eligibility criteria
Owning a vehicle valued at $25,000 or less
Being at least 16 years old
Having a good driving record or being a new driver
The program’s auto insurance meets the state’s minimum liability requirements. However, 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
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 compared to individuals with a clean record.
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
177
96
Mercury
240
129
Safeco
243
135
USAA
286
133
National General
349
164
Dairyland
356
154
GEICO
381
178
Allstate
393
183
Farmers
408
189
State Farm
434
200
Travelers
471
219
Direct Auto
485
200
21st Century
525
244
Bristol West
528
237
Nationwide
625
290
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
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.[5]
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
180
98
Mercury
242
130
Safeco
246
137
Anchor
269
126
USAA
289
135
Dairyland
355
153
National General
357
167
GEICO
385
180
Allstate
397
184
Farmers
410
190
State Farm
438
203
Travelers
473
220
Direct Auto
490
203
Bristol West
522
234
21st Century
525
244
Nationwide
630
292
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
Oxnard had 117 injuries and three fatalities from alcohol-related crashes in 2019.[6] 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.
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
180
98
Mercury
249
133
Safeco
257
143
Anchor
299
140
USAA
333
155
Dairyland
401
173
National General
404
189
GEICO
444
207
Allstate
458
213
Farmers
473
219
State Farm
512
237
Travelers
538
250
Direct Auto
544
225
21st Century
586
272
Bristol West
603
271
Nationwide
720
334
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
Age plays a crucial role in determining car insurance rates, with prices generally declining as drivers gain experience and enter their mid-30s. However, around the age of 75, premiums may experience a slight uptick due to various factors, including potential health issues and heightened accident risks.[7]
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: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
76
41
Mercury
112
60
Safeco
127
71
USAA
141
66
Dairyland
180
78
GEICO
181
85
Farmers
188
87
State Farm
192
89
Allstate
193
89
National General
195
92
Travelers
223
103
Direct Auto
224
92
21st Century
231
107
Bristol West
262
117
Nationwide
262
122
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
Teenagers and young adults often pay higher car insurance premiums than older drivers due to their limited experience and increased risk factors. 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.
The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT.
Insurance Company
Average Quote: Full Coverage
Average Quote: Liability Only
Mile Auto
220
119
Mercury
284
152
Safeco
292
163
Anchor
339
160
USAA
347
162
Dairyland
410
177
GEICO
439
205
National General
490
230
Allstate
509
237
Farmers
522
241
State Farm
553
256
Travelers
615
286
21st Century
617
287
Direct Auto
631
261
Bristol West
633
284
Nationwide
778
361
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.
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. However, 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. Check with the 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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Is car insurance more expensive in Oxnard?
The national average for full-coverage car insurance in the U.S. is $172 per month. But in Oxnard, drivers pay more — approximately $235 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’s Oxnard’s average full-coverage car insurance quote compared to other California cities’ quotes.
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.
The average cost of car insurance in Oxnard is $110 for liability-only coverage and $235 a month for full coverage.
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. However, 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.[2]
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.[1] 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.
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.
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.