Compare Oxnard, CA Car Insurance Rates (2021)

The average annual car insurance rates in Oxnard, CA are around $3,826, or $301/mo. The cheapest car insurance company in Oxnard, CA is USAA, although rates will vary for each person. Oxnard, CA car insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Oxnard, California car insurance quotes online to get the best price for you.

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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: Aug 23, 2021

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Here’s What You Need To Know

  • The average annual car insurance rates for Oxnard, CA are $3,622 ($301/mo)
  • The cheapest car insurance company in Oxnard, CA is USAA
  • Oxnard, CA car insurance rates are affected by the traffic that is shared with Santa Clarita as well as Los Angeles
  • The average commute time for Oxnard is 25.4 min

Oxnard, CA average annual car insurance rates are slightly above average when compared to the state average. They are about $400 cheaper per year than Santa Clarita rates and about $1,700 cheaper than Los Angeles rates.

You can save on Oxnard, California car insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on cheap car insurance in Oxnard, California for every age, credit history, and driving record.

Monthly Oxnard, CA Car Insurance Rates by ZIP Code

Check out the monthly Oxnard, CA auto insurance rates by ZIP Code below:

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Oxnard, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Oxnard, CA stack up against other top metro auto insurance rates? We’ve got your answer below.

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What is the cheapest car insurance company in Oxnard, CA?

The cheapest auto insurance company in Oxnard, based on average rates, is USAA which offers car insurance only to military affiliates. Progressive offers the second-cheapest rates.

Which Oxnard, CA auto insurance company has the cheapest rates? And how do those rates compare against the average California auto insurance company rates? We’ve got the answers below.

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The top car insurance companies in Oxnard, CA, ranked from cheapest to most expensive annual rates are:

  • USAA – $2,619
  • Progressive – $2,677
  • GEICO – $2,806
  • Liberty Mutual – $2,860
  • Travelers – $3,398
  • State Farm – $4,297
  • Allstate – $4,439
  • Nationwide – $4,617
  • Farmers – $4,882

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Oxnard, CA auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Oxnard auto insurance rates. Find the cheapest Oxnard, CA auto insurance rates by coverage level below:

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Your driving record will play a major role in your Oxnard auto insurance rates. For example, other factors aside, a Oxnard, CA DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Oxnard, CA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Oxnard, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Oxnard, California auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. California does use gender, so check out the average monthly auto insurance rates by age and gender in Oxnard, CA.

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What car insurance coverage is required in Oxnard, CA?

All Oxnard drivers have to meet the California state law minimum requirements to buy car insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects car insurance rates in Oxnard, CA?

Oxnard is the 21st largest city in California and about an hour drive from Santa Clarita and a little over an hour drive from Los Angeles.

Let’s take a look at how Oxnard car insurance rates compare to other cities in California.

  • Beverly Hills, CA — $6,188 (most expensive)
  • Santa Clarita, CA — $4,079
  • Oxnard, CA — $3,622
  • Los Angeles, CA — $5,345
  • Los Ranchos, CA — $2,731 (cheapest)

INRIX doesn’t rank Oxnard or Santa Clarita but does rank Los Angeles which is a little over an hour away.

INRIX ranks Los Angeles as the 6th most congested city in the U.S. Oxnard is east of Santa Clarita and north of Los Angeles, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Oxnard is 25.4 minutes.

car theft in Oxnard also affects rates. The FBI’s most recent annual statistics list 693 car thefts in a city population of 209,513. That’s a rate of 331 cars stolen per 100,000 population.

Oxnard, CA car Insurance: The Bottom Line

Oxnard has slightly above-average car insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy car insurance in Oxnard, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Oxnard, CA car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Oxnard, CA Car Insurance Rates by ZIP Code
Oxnard, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Oxnard, CA Car Insurance Rates by Company vs. City Average
Oxnard, CA Car Insurance Rates by Company and Age
The Cheapest Oxnard, CA Car Insurance Rates by Coverage Level
The Cheapest Oxnard, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Oxnard, CA
Average Monthly Car Insurance Rates by Age & Gender in Oxnard, CA
Monthly Oxnard, CA Car Insurance Rates by ZIP Code
Oxnard, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Oxnard, CA Car Insurance Rates by Company vs. City Average
Oxnard, CA Car Insurance Rates by Company and Age
The Cheapest Oxnard, CA Car Insurance Rates by Coverage Level
The Cheapest Oxnard, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Oxnard, CA
Average Monthly Car Insurance Rates by Age & Gender in Oxnard, CA