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Oxnard Car Insurance Costs

Oxnard, Thousand Oaks, and Ventura are three neighboring cities located in Southern California, each offering its own distinct character and attractions for residents and drivers alike. All three cities benefit from Southern California’s pleasant climate, offering residents and visitors an enjoyable outdoor lifestyle and a diverse range of recreational activities.

Whether it’s enjoying the beaches, exploring nature trails, or immersing oneself in the cultural attractions, Oxnard, Thousand Oaks, and Ventura provide a vibrant and welcoming environment that captures the essence of coastal living in Southern California.

Before you cruise these wonderful cities you’ll need to find a great auto insurance policy. We will break down the costs of car insurance for different policy options throughout this guide.

• On average you can expect to pay $91 monthly or $1,092 yearly for state minimum liability coverage and $306 monthly or $3,678 yearly for a full coverage auto policy in the Oxnard, Thousand Oaks and Ventura area.

• InsuranceQuotes rates are pulled from our real-time auto insurance cost database from multiple drivers and quotes – it is based on a used car driver who is single, middle aged and has a clean driving record with no prior violations.

Which Provider Has the Cheapest Car Insurance in Oxnard, CA?

Between the three cities of Oxnard, Thousand Oaks and Ventura on average the cheapest auto insurance provider is GEICO and TripleA – AAA. State minimum coverage starts at $52 a month or $625 a year – Full coverage would cost around $203 a month or $2,439 a year. Here is a breakdown of average costs from the cheapest providers for a used car driver who is single, middle aged and has a clean driving record:

California Insurance Costs for Different Used Vehicle Types:

To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in CA and pulled data for used vehicles such as a BMW 4 Series, Chevy Bolt, Honda CRV, Nissan Titan, and a Toyota Camry.

California Insurance Costs for New Cars

We pulled cost data for new 2022-2023 vehicles as well to give you an idea of the difference in rates for newer cars vs. a used vehicle.

Car Insurance Requirements in CA

In California cities the minimum coverage for car insurance and liability insurance required is:

• $15,000 for injury/death to one person
• $30,000 for injury/death to more than one person
• $5,000 for damage to property

How Does Age Affect Your Auto Policy Rates in California?

In California, age is a significant factor that influences car insurance costs. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers. This is primarily because statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and higher risk-taking behavior on the road.

Insurance companies in California consider younger drivers as higher-risk customers, leading to higher premiums to compensate for the increased likelihood of claims. As drivers gain more experience and develop safer driving habits over time, their insurance rates generally decrease.

Here is a breakdown of the average costs for car insurance based on age in California:

Compare Rates from Other CA Cities

In California your auto insurance quote rates will vary depending on which city you live in. Insurance providers often have higher policy rates in heavily populated cities like Los Angeles and cheaper rates for residents in more rural densely populated cities. Here is a breakdown of costs for all cities in California for state minimum and full coverage: