Cheap Auto Insurance in Oxnard, CA
The average annual auto insurance rates in Oxnard, CA are around $3,622 ($310/mo). The cheapest auto insurance company in Oxnard, CA is USAA, although rates will vary for each person. Oxnard, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Oxnard, California car insurance rates online to get the best price for you.
- The average annual auto insurance rates for Oxnard, CA are $3,622 ($301/mo)
- The cheapest auto insurance company in Oxnard, CA is USAA
- Oxnard, CA 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 auto 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 auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.
Below you'll find affordable auto insurance rates in Oxnard, California for every age, credit history, and driving record.
Are you trying to find affordable auto insurance in Oxnard, CA? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.
What is the cheapest auto insurance company in Oxnard, CA?
The cheapest auto insurance company in Oxnard, based on average rates, is USAA which offers auto insurance only to military affiliates. Progressive offers the second-cheapest rates.
The top auto insurance companies in Oxnard, CA, ranked from cheapest to most expensive 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 auto 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.
What is the cheapest Oxnard, CA teen auto insurance company?
- USAA — $4,276
- Progressive — $4,476
- Liberty Mutual — $4,716
- Travelers — $5,253
- GEICO — $5,285
- State Farm — $6,244
- Allstate — $7,996
- Nationwide — $8,268
- Farmers — $8,468
- USAA — $4,301
- Liberty Mutual — $5,046
- GEICO — $5,368
- Progressive — $5,388
- Travelers — $6,015
- State Farm — $7,755
- Nationwide — $9,132
- Allstate — $10,028
- Farmers — $13,770
USAA and Liberty Mutual have the lowest rates here.
What is the cheapest Oxnard, CA speeding ticket auto insurance company?
What happens with your rates if you get a speeding ticket?
- USAA — $1,907
- GEICO — $2,432
- Progressive — $2,526
- Liberty Mutual — $2,631
- Travelers — $3,336
- Allstate — $3,509
- State Farm — $3,560
- Nationwide — $4,131
- Farmers — $4,879
USAA and GEICO have the lowest rates here if you have a speeding ticket.
What is the cheapest Oxnard, CA accident auto insurance company?
What if you cause an accident?
- USAA — $2,591
- Progressive — $2,979
- GEICO — $3,032
- Liberty Mutual — $3,323
- State Farm — $3,658
- Travelers — $3,705
- Nationwide — $4,131
- Allstate — $4,494
- Farmers — $4,919
USAA and Progressive have the lowest rates here, whereas Allstate and Farmers rates are the highest.
What is the cheapest Oxnard, CA DUI auto insurance company?
One DUI can greatly increase you rates.
- Liberty Mutual — $3,002
- Progressive — $3,449
- GEICO — $3,799
- USAA — $4,239
- Travelers — $4,296
- Farmers — $6,114
- State Farm — $6,903
- Nationwide — $6,985
- Allstate — $7,074
If you have a DUI, you may want to look into Liberty Mutual and Progressive.
What auto insurance coverage is required in Oxnard, CA?
All Oxnard drivers have to meet the California state law minimum requirements to buy auto 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 auto 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 auto 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.
Auto theft in Oxnard also affects rates. The FBI's most recent annual statistics list 693 auto thefts in a city population of 209,513. That's a rate of 331 cars stolen per 100,000 population.
Oxnard, CA Auto Insurance: The Bottom Line
Oxnard has slightly above average auto insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.
Before you buy auto insurance in Oxnard, CA, be sure you've checked rates with multiple companies. Enter your ZIP code below to get fast, free Oxnard, CA auto insurance quotes.