Cheapest Auto Insurance in Oxnard, California (2024)
With monthly liability rates of $54, Mile Auto is the cheapest car insurance company in Oxnard.
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Written byJacqueline DeMarco
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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.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
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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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated October 30, 2024
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Table of contents
The average monthly cost of full-coverage car insurance in California is $296, similar to the full-coverage average of $243 in Oxnard. The city’s lower rates of traffic injuries and fatalities compared to Los Angeles, an hour and 30 minutes to the east, may result in lower car insurance premiums than in some other California cities.
Even though they already pay 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 and look for discounts. Here’s what you need to know about finding affordable Oxnard car insurance.
Quick Facts
Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in Oxnard.
Oxnard drivers pay an average of $2,911 per year for full-coverage car insurance.
The overall average car insurance rate of $191 per month in Oxnard is higher than the overall national average of $158 per month.
3 of the cheapest 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 help determine 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.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| Mile Auto | 7.5 | $112 | $60 | Low-mileage drivers |
| Clearcover | 6.8 | $137 | $67 | Digital policy management |
| Travelers | 9.0 | $399 | $200 | Full coverage |
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.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low-mileage drivers: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| 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. | $54/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. | $100/mo |
4.1
Best choiceBased on 50 verified guest reviews and ratings
Reviews (29)
Cookie
October 15, 2024
Verified Purchase
Excellent
Low mileage rate.
Tasha
October 10, 2024
Verified Purchase
Not pleased
Don't opt for this insurance if you're on a budget. I was unaware that this was a cost-per-mile insurance. I was never informed about it, and now I'm paying an extra $20 for roadside assistance that I thought was included. I had mentioned to the representative that I couldn't afford expensive insurance, yet the cost has increased.
Thomas
October 8, 2024
Verified Purchase
Mixed Review
Mixed. One representative was confusing and couldn't guide me regarding a text I received which stated my payment, which I had been informed had been processed, had actually gone through. To ensure I was covered, I made the payment. The previous representative had been professional and direct. So, I have a mixed reaction.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.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).
NRWhy we picked this company
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
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| 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. | $94/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. | $179/mo |
3.3
A solid optionBased on 48 verified guest reviews and ratings
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
How drivers feel about Clearcover
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
AI-generated from the text of verified reviews collected by Insurify
Best For
Robust mobile app
Fast claims process
Competitive pricing
Reviews (35)
Catherine
October 22, 2024
Verified Review
Great Customer Service
My premium increased by $70 due to an auto accident.
Brett
October 12, 2024
Verified Review
Unexpected Rate Increases
Everything was fine until they started to increase my rates, despite having no claims, DUIs, or moving violations. My driving record is clean, I'm almost 63 years old, and yet my rate keeps going up. It seems like there might be some price gouging in the insurance industry. The reason I decided to switch to Clearcover was because they offered me the best rate at that time. However, since then, my rate has only increased. It should be dropping, not going up.
Richard
October 7, 2024
Verified Review
T.B.
Too expensive for me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.14A.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).
NRWhy we picked this company
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. The company typically pays claims within a week.
Pros
Offers streamlined claims process
Mobile app available for policy management
Cons
Bundling insurance isn’t available
Fewer discounts than competitors
Best insurer for full coverage: Travelers
| User Reviews | 4.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| 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. | $168/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. | $348/mo |
4.7
Best choiceBased on 745 verified guest reviews and ratings
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
How drivers feel about Travelers
Drivers appreciate the lowest prices, excellent service, and responsive call centers but dislike the rising premiums and poor claims handling.
AI-generated from the text of verified reviews collected by Insurify
Best For
Numerous discounts
Gap insurance
Rideshare coverage
Reviews (381)
Vicki
October 27, 2024
Verified Review
Good but Costly
I had a great experience with Travelers and would still be with them, but I got a better rate with another company.
Nancy
October 23, 2024
Verified Review
Not Great by Any Means
Be careful when you submit a claim! They actually owe me $1,000 from five years ago and I still haven't received it.
Birdie
October 21, 2024
Verified Review
Expensive
I've never needed any claims for over 40 years, have no tickets, and an excellent credit score, yet my rates increased by 50%.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.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).
A++Why we picked this company
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
Lower than average (871 out of 1,000) rating for claims satisfaction from J.D. Power[1]
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 for collision and comprehensive coverages can result in a lower premium. But 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. Insurance professionals recommend you get at least three quotes when comparison shopping for auto insurance.
Bundle your policies. Ask 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.
Find Cheap Car Insurance in Oxnard, California
Liability rates start at $54 per month
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Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Oxnard: Mile Auto
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.
Oxnard drivers pay an average of $139 per month for liability coverage.
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $54 |
| Sun Coast | $68 |
| Mercury | $85 |
| Anchor | $90 |
| USAA | $105 |
| National General | $118 |
| GEICO | $139 |
| Direct Auto | $140 |
| Allstate | $144 |
| Farmers | $148 |
| State Farm | $160 |
| Travelers | $168 |
| 21st Century | $183 |
| Bristol West | $201 |
| 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: Mile Auto
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.
Full-coverage policies in Oxnard cost $243 per month, on average.
For the most affordable full-coverage policies in Oxnard, refer to the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Mile Auto | $100 |
| Mercury | $158 |
| Sun Coast | $198 |
| Anchor | $210 |
| USAA | $215 |
| GEICO | $287 |
| National General | $287 |
| Allstate | $297 |
| Farmers | $305 |
| Direct Auto | $330 |
| State Farm | $332 |
| Travelers | $348 |
| Bristol West | $376 |
| 21st Century | $378 |
| Nationwide | $467 |
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 recent rates near Oxnard, California
Recent Oxnard, California car insurance prices for Mercury, Honda, BMW , and more.
*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on October 30, 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 October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oxnard, California within the last 10 days. Last updated on October 30, 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 October 30, 2024. 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 coverage pays for damages resulting from collisions with other vehicles or objects, regardless of fault. Collision also pays for rollover accidents and damage from hitting a pothole.
Glass coverage
Glass coverage pays 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.
)
Learn More: How Much Insurance Do You Need?
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:
Hold a valid California driver’s license
Meet income eligibility criteria
Own a vehicle valued at $25,000 or less
Be at least 16 years old
Have a good driving record or be a new driver
The program’s auto insurance meets the state’s minimum liability requirements. But 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 for several years 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.
Shop for Car Insurance in Oxnard, CA
Monthly rates start at $67 for drivers with an incident
Secure. Free. Easy-to-use.
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
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 for three to five years compared to drivers with a clean record.
Drivers in Oxnard with a speeding ticket pay an average of $182 per month for liability coverage and $319 per month for full coverage.
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Mile Auto | $54 | $69 |
| Sun Coast | $68 | $89 |
| Mercury | $85 | $114 |
| Anchor | $90 | $112 |
| USAA | $105 | $131 |
| National General | $118 | $148 |
| GEICO | $139 | $173 |
| Direct Auto | $140 | $174 |
| Allstate | $144 | $179 |
| Farmers | $148 | $184 |
| State Farm | $160 | $198 |
| Travelers | $168 | $211 |
| 21st Century | $183 | $236 |
| Bristol West | $201 | $251 |
| Nationwide | $226 | $285 |
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: Mile Auto
When your driving record includes an at-fault accident, your auto insurance premiums rise for three to five years. Insurance companies raise rates to offset the risk of future accidents and claims.[5]
Liability policies for Oxnard drivers with an accident cost $169 per month, and full coverage costs $295 per month, on average.
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Mile Auto | $54 | $70 |
| Sun Coast | $68 | $83 |
| Mercury | $85 | $113 |
| Anchor | $90 | $120 |
| USAA | $105 | $130 |
| National General | $118 | $147 |
| GEICO | $139 | $172 |
| Direct Auto | $140 | $177 |
| Allstate | $144 | $178 |
| Farmers | $148 | $182 |
| State Farm | $160 | $197 |
| Travelers | $168 | $209 |
| 21st Century | $183 | $233 |
| Bristol West | $201 | $247 |
| Nationwide | $226 | $282 |
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: Mile Auto
Oxnard had 181 injuries and fatalities from alcohol-related crashes in 2023.[6] Driving while under the influence is a severe offense that not only jeopardizes lives but also leads to substantially higher car insurance premiums for several years. Moreover, in California, a DUI conviction will result in an SR-22 insurance filing requirement. Insurance companies perceive a DUI history as a significant liability, resulting in higher rates.
Drivers in Oxnard with a DUI pay an average of $197 per month for liability coverage. Average monthly rates for full-coverage insurance jump to $344.
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Mile Auto | $54 | $83 |
| Sun Coast | $68 | $96 |
| Mercury | $85 | $118 |
| Anchor | $90 | $123 |
| USAA | $105 | $161 |
| National General | $118 | $181 |
| GEICO | $139 | $213 |
| Direct Auto | $140 | $215 |
| Allstate | $144 | $221 |
| Farmers | $148 | $227 |
| State Farm | $160 | $245 |
| Travelers | $168 | $258 |
| 21st Century | $183 | $281 |
| Bristol West | $201 | $308 |
| Nationwide | $226 | $346 |
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: Mile Auto
Age plays a crucial role in determining car insurance rates, with prices generally declining as drivers gain experience and enter their mid-20s. But around age 70, drivers may experience a slight uptick in premiums due to heightened accident risks.
Senior drivers in Oxnard pay an average of $124 per month for liability coverage.
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: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $43 | $79 |
| Sun Coast | $61 | $176 |
| Mercury | $69 | $128 |
| Anchor | $72 | $168 |
| USAA | $87 | $179 |
| National General | $95 | $230 |
| Direct Auto | $114 | $268 |
| GEICO | $115 | $238 |
| Allstate | $120 | $248 |
| Farmers | $120 | $248 |
| State Farm | $130 | $269 |
| Travelers | $137 | $284 |
| 21st Century | $143 | $294 |
| Bristol West | $168 | $313 |
| Nationwide | $176 | $364 |
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: Mile Auto
Teenagers and young adults often pay higher car insurance premiums than older drivers due to their limited experience and increased risk factors.
Teen drivers in Oxnard pay $209 per month, on average, for a minimum-coverage policy.
For teenagers, one way to get affordable car insurance is to remain on a parent’s insurance policy, which generally leads to lower rates. Drivers younger than 18 can't purchase their own policy without the written consent of a parent or guardian. 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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Mile Auto | $98 | $182 |
| Sun Coast | $102 | $298 |
| Mercury | $142 | $265 |
| Anchor | $144 | $336 |
| USAA | $163 | $333 |
| GEICO | $204 | $421 |
| National General | $218 | $531 |
| Allstate | $237 | $489 |
| Direct Auto | $238 | $561 |
| Farmers | $242 | $498 |
| State Farm | $254 | $527 |
| Travelers | $283 | $586 |
| 21st Century | $287 | $592 |
| Bristol West | $316 | $591 |
| Nationwide | $364 | $751 |
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.
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Is car insurance more expensive in Oxnard?
The national average for full-coverage car insurance in the U.S. is $211 per month. But in Oxnard, drivers pay more — approximately $243 per month for the same level of coverage. It’s important to understand that insurance rates can differ significantly based on city, 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 2023 compared to Oxnard, often have higher average car insurance costs.
To better understand the differences in average car insurance expenses among cities, here are average car insurance quotes in some other California cities.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Bakersfield | $256 | $117 |
| Fresno | $252 | $128 |
| Los Angeles | $369 | $203 |
| Modesto | $290 | $133 |
| Riverside | $280 | $141 |
| Sacramento | $310 | $140 |
| San Diego | $252 | $120 |
| San Francisco | $338 | $150 |
| San Jose | $276 | $128 |
| Stockton | $303 | $128 |
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.
Oxnard car insurance FAQs
Read Insurify’s guide on why your car insurance rates might be so high, and check out the answers to frequently asked questions about auto coverage in Oxnard.
How much is car insurance in Oxnard?
The average cost of car insurance in Oxnard is $139 per month for liability-only coverage and $243 per month for full coverage.
Which company has the cheapest car insurance in Oxnard?
Mile Auto has the cheapest car insurance in Oxnard, with monthly liability rates as low as $54. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $68 and $85.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
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. But 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.
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.[7] 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
- 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.
Related articles
More cities in California
Sources
- J.D. Power. "2023 U.S. Auto Claims Satisfaction Study."
- California Department of Motor Vehicles. "Insurance Requirements."
- California Legislative Information. "SB-1107 Vehicles: insurance."
- National Safety Council. "Speeding."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- University of California, Berkeley. "Transportation Injury Mapping System."
- Federal Trade Commission. "Credit-Based Insurance Scores."
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Jacqueline DeMarco
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.
Courtney MikulskiSenior Editor, Auto
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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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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