Compare Oxnard, CA Car Insurance Rates (2021)

Car insurance in Oxnard, CA averages $302 a month. Oxnard, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Oxnard car insurance rates, compare quotes from the top car insurance companies in Oxnard, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Oxnard, CA after a DUI are $5,096/year
  • The cheapest car insurance company in Oxnard for teen drivers is USAA
  • Average car insurance rates in Oxnard, CA are $3,622/year

If you need to buy Oxnard, California car insurance, the options can be confusing. Everything you need to know about car insurance in Oxnard, CA is right here.

You’ll find Oxnard car insurance rates, the cheapest Oxnard, CA car insurance companies, and information on California car insurance laws. You can also compare Oxnard, California car insurance rates to San Diego car insurance rates, San Francisco car insurance rates, and Fresno car insurance rates.

Ready to find affordable Oxnard, CA car insurance today? Enter your ZIP code for fast, free Oxnard car insurance quotes.

Cheapest Oxnard, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oxnard, CA car insurance rates? Every Oxnard, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oxnard, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,860 $2,851 $2,085 $2,098 $7,996 $10,028 $3,634 $3,958
Farmers $2,659 $2,659 $2,417 $2,417 $8,468 $13,770 $3,152 $3,513
GEICO $1,739 $1,739 $1,635 $1,635 $5,285 $5,368 $2,497 $2,549
Liberty Mutual $2,170 $2,045 $2,032 $1,963 $4,716 $5,046 $2,436 $2,469
Nationwide $3,242 $3,092 $2,847 $2,681 $8,268 $9,132 $3,863 $3,811
Progressive $1,679 $1,728 $1,430 $1,695 $4,476 $5,388 $2,419 $2,599
State Farm $3,376 $3,376 $3,020 $3,020 $6,244 $7,755 $3,736 $3,852
Travelers $2,522 $2,439 $2,234 $2,210 $5,253 $6,015 $3,298 $3,214
USAA $1,877 $1,778 $1,832 $1,839 $4,276 $4,301 $2,596 $2,453

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Minimum Car Insurance in Oxnard, CA

Every driver must carry the minimum car insurance in Oxnard, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Oxnard, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Oxnard, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oxnard, CA to rates for a clean record with top companies.

Annual Oxnard, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,678 $4,494 $7,074 $3,509
Farmers $3,615 $4,919 $6,114 $4,879
GEICO $1,961 $3,032 $3,799 $2,432
Liberty Mutual $2,483 $3,323 $3,002 $2,631
Nationwide $3,221 $4,131 $6,985 $4,131
Progressive $1,754 $2,979 $3,449 $2,526
State Farm $3,068 $3,658 $6,903 $3,560
Travelers $2,255 $3,705 $4,296 $3,336
USAA $1,741 $2,591 $4,238 $1,907

Cheapest Oxnard, CA Car Insurance for Teen Drivers

Teen car insurance in Oxnard, CA can be expensive. Take a look at rates from the top car insurance companies in Oxnard for teenagers.

Annual Car Insurance Rates for Teen Drivers in Oxnard, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,996 $10,028
Farmers $8,468 $13,770
GEICO $5,285 $5,368
Liberty Mutual $4,716 $5,046
Nationwide $8,268 $9,132
Progressive $4,476 $5,388
State Farm $6,244 $7,755
Travelers $5,253 $6,015
USAA $4,276 $4,301

Cheapest Oxnard, CA Car Insurance for Seniors

Take a look at Oxnard, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Oxnard, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,085 $2,098
Farmers $2,417 $2,417
GEICO $1,635 $1,635
Liberty Mutual $2,032 $1,963
Nationwide $2,847 $2,681
Progressive $1,430 $1,695
State Farm $3,020 $3,020
Travelers $2,234 $2,210
USAA $1,832 $1,839

Cheapest Oxnard, CA Car Insurance Rates After a DUI

A DUI in Oxnard, CA increases car insurance rates. Compare Oxnard, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oxnard, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,074
Farmers $6,114
GEICO $3,799
Liberty Mutual $3,002
Nationwide $6,985
Progressive $3,449
State Farm $6,903
Travelers $4,296
USAA $4,238

Cheapest Oxnard, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Oxnard, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Oxnard, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,000 $4,877
Farmers $4,428 $5,335
GEICO $2,549 $3,063
Liberty Mutual $2,624 $3,095
Nationwide $4,075 $5,159
Progressive $2,428 $2,925
State Farm $4,140 $4,455
Travelers $3,057 $3,739
USAA $2,414 $2,824

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Cheapest Oxnard, CA Car Insurance Rates by ZIP Code

Oxnard car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Oxnard, CA.

Annual Car Insurance Rates by ZIP Code in Oxnard, California

ZIP Code Average Annual Rates
93030 $5,005
93033 $5,043
93035 $4,803
93036 $4,929

The Best Cheap Car Insurance Companies in Oxnard, CA

Take a look at a side-by-side comparison of the top car insurance companies in Oxnard, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Oxnard, California

Insurance Company Average Annual Rates
Allstate $4,439
Farmers $4,882
GEICO $2,806
Liberty Mutual $2,860
Nationwide $4,617
Progressive $2,677
State Farm $4,297
Travelers $3,398
USAA $2,619

Category Winners: Cheapest Car Insurance in Oxnard, California

Find the cheapest car insurance companies in Oxnard, CA for each category right here.

Best Annual Car Insurance Rates by Company in Oxnard, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Oxnard, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Oxnard car insurance rates. Find the cheapest Oxnard, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oxnard, California

Insurance Company Low Medium High
Allstate $4,173 $4,481 $4,662
Farmers $4,509 $4,924 $5,213
GEICO $2,508 $2,840 $3,070
Liberty Mutual $2,646 $2,885 $3,048
Nationwide $4,122 $4,698 $5,031
Progressive $2,395 $2,759 $2,876
State Farm $3,842 $4,374 $4,676
Travelers $2,961 $3,488 $3,745
USAA $2,375 $2,670 $2,812

What affects car insurance rates in Oxnard, California?

What factors can have an impact on Oxnard, CA car insurance? There are several reasons why Oxnard car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oxnard, California.

Car Theft in Oxnard

High levels of vehicle theft can make car insurance more expensive. Oxnard, CA car theft statistics from the FBI indicate 783 vehicle thefts a year.

Commute Time in Oxnard

The more time you spend in your car the higher the risk of an accident. The average commute length in Oxnard, CA is 26.4 minutes according to City-Data.

Traffic in Oxnard

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Oxnard, CA traffic data from INRIX ranks Oxnard as the 229th-most congested in the world.

Compare Car Insurance Quotes in Oxnard, CA

Ready to find affordable Oxnard, California car insurance today? Enter your ZIP code for fast, free Oxnard, CA car insurance quotes.

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