Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Oxnard, CA for senior drivers are $2,172/year
  • The annual number of car thefts in Oxnard is 783.
  • Average car insurance rates in Oxnard, CA are $302/month

Average car insurance rates in Oxnard, California are $302 a month. But with a little research you can get a great deal from the top car insurance companies in Oxnard, CA. Before you buy Oxnard, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Oxnard car insurance rates with San Jose car insurance rates, Bakersfield car insurance rates, or Fresno car insurance rates to make sure you’re getting the best Oxnard, CA car insurance quotes available.

Need affordable Oxnard, CA car insurance? Enter your ZIP code to compare Oxnard car insurance quotes from multiple car insurance companies near you.

Oxnard, CA Minimum Car Insurance Coverage

Oxnard, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

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

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Oxnard, CA Car Insurance Rates by Coverage Level

Some Oxnard drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Oxnard, California car insurance rates may be based on the coverage you need.

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

Oxnard, CA Car Insurance Rates by Age, Gender, and Marital Status

Oxnard, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Oxnard, CA car insurance, get quotes from multiple car insurance companies in the Oxnard area and see how these criteria affect your 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

Oxnard, CA Car Insurance Rates for Teens

How much is Oxnard, California car insurance for teens? Compare rates from top Oxnard car insurance companies below to help find the cheapest teen car insurance in Oxnard, CA.

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

Oxnard, CA Car Insurance Rates for Seniors

Before seniors buy Oxnard, California car insurance, they should make sure to shop around. Some Oxnard, CA car insurance companies may offer discounts or other savings options for senior car insurance.

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

Oxnard, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Oxnard, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Oxnard.

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

Oxnard, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Oxnard, CA car insurance rates. Compare rates below to see which Oxnard car insurance company has the best rates for drivers with a DUI.

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

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Oxnard, CA Car Insurance Rates by ZIP Code

Just like Oxnard car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Oxnard, CA car insurance rates fluctuate by ZIP code.

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

Oxnard, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Oxnard, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Oxnard companies based on commute time.

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

Oxnard, CA Cheapest Car Insurance Rates

How do the top Oxnard, California car insurance companies’ average rates stack up against the Oxnard average monthly car insurance rates of $302? Take a look and see.

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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Oxnard, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Oxnard, California car insurance companies to help you find one that best fits 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

Other Factors Affecting Oxnard, CA Car Insurance Rates

Before you buy Oxnard, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Oxnard, CA Car Theft Rates

The car theft rate in Oxnard, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Oxnard, California is 783 stolen cars.

Oxnard, CA Commute Time

How does your Oxnard, CA commute time compare with the average driver? In Oxnard, the average commute is 26.4 minutes.

Oxnard, CA Traffic

Spending time in Oxnard traffic can lead to higher car insurance rates. According to INRIX data, Oxnard, CA ranks as the 229th-most congested with traffic in the world.

Oxnard, CA Car Insurance Quotes

Compare Oxnard, CA car insurance quotes from multiple companies by entering your ZIP code now.