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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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Mar 4, 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.

Ready to find affordable car insurance in Oxnard, CA? Enter your ZIP code above to get started.

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.

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.

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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.

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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