Cheapest car insurance quotes in Oxnard

On average, auto insurance in Oxnard costs about $97 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Oxnard drivers pay 18% less than the national average.

Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Progressive	$61	61	93033	Toyota Yaris	25/50	No
National General	$42	56	93030	Chevrolet Blazer	State Minimum	No
National General	$123	33	93030	Honda Accord Lx	State Minimum	Yes
Progressive	$46	32	93033	Nissan Versa S	25/50	No
Bristol West	$356	46	93033	Acura Tlx Technology	50/100	Yes

Last Updated Dec 17, 2024

Cheapest Oxnard car insurance for good drivers

Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.

Good drivers in Oxnard can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.

Customer	Driving Score	Insurance Savings	Has Violations	Insurance coverage
Giovanni, 25	88	28%	No	• 100/300 • Comp/Collision
Alex, 34	98	35%	No	• State Minimum Liability • Minimum Coverage
Paul, 44	76	20%	No	• 50/100 • Comp/Collision
Dina, 54	96	31%	No	• 50/100 • Comp/Collision
David, 65	74x	24%	No	• 50/100 • Comp/Collision

Best car insurance companies in Oxnard

There is no single best car insurance company for everyone. The most important reason is that every customer gets different car insurance quotes based on their profile—meaning that the most affordable company is different for everyone. Besides price, you also need to consider factors such as claims handling and customer service.

To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.

The table below shows how drivers in Oxnard rate different companies on a scale of 0 to 5.

Insurance company	Overall rating	Price	Claims experience	Customer service
Progressive	4.4	3.9	3.9	4.3
USAA	4.3	4.8	4.8	4.8
Geico	4	3.5	3.8	3.9
State Farm	3.9	3.3	3.7	4
Liberty Mutual	2.8	3.2	2.7	2.7

Best cheap car insurance quotes in Oxnard

California’s minimum car insurance requirements reflect how much insurance you need the carry to legally drive as well as the cheapest coverage option in Oxnard. However, minimum liability coverage provides minimal financial protection.

You’ll need full coverage if you want to cover the cost of repairing or replacing your own vehicle–but that’s not as easy to get in the Golden State as it once was thanks to the current car insurance crisis. Take a listen to what Jerry’s experts have to say about the state of the insurance industry in California, and how it could affect your policy choices in Oxnard.

https://youtu.be/dbyeEqmHmq4

Cheap minimum liability insurance quotes in Oxnard

In order to legally hit the road, Oxnard, California drivers need to meet California minimum coverage limits for bodily injury liability and property damage liability

California minimum liability coverage includes $15,000 in bodily injury liability per person, $30,000 per accident, and $5,000 for damage to property. These coverages are commonly referred to as 15/30/5 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.

Do you need more than minimum coverage in Oxnard?

Most drivers in Oxnard need higher liability coverage than the 15/30/5 state minimum mandated by California car insurance laws.

In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 15/30/5 limit, especially if you cause serious injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above that scant $5,000 property damage limit.

And keep in mind: California’s car accident laws allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to three years—so your liability extends long past the initial accident!

The bottom line: For better financial protection, drivers should consider purchasing a full coverage with higher liability limits of 50/100/50 or 100/300/100.

Cheap full coverage car insurance quotes in Oxnard

Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.

Full coverage includes comprehensive and collision coverage. Collision coverage covers the cost of fixing or replacing your car after an accident, while comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the car, your lender will typically require collision and comprehensive coverage.

On top of a full-coverage policy, you can purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.

The table below shows some recent examples of cheapest Oxnard full coverage quotes that Jerry’s agents helped our customers obtain.

Liability Limits	Has Full Coverage	Insurance Company	Premium (monthly)	Age	Zip Code	Car
25/50	No	Progressive	$61	61	93033	Toyota Yaris
State Minimum	No	National General	$42	56	93030	Chevrolet Blazer
State Minimum	Yes	National General	$123	33	93030	Honda Accord Lx
25/50	No	Progressive	$46	32	93033	Nissan Versa S
50/100	Yes	Bristol West	$356	46	93033	Acura Tlx Technology

Last Updated Dec 17, 2024

The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.

Jerry, a top insurance agency, offers an app that compares car insurance quotes for free and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Oxnard

By helping lots of drivers in Oxnard find car insurance, we found that the average cost for minimum liability coverage is $97 per month or$1,161 per year. The average cost for full coverage insurance in Oxnard is $150 per month or $1,800 per year.

While average insurance rates can help you predict your own insurance costs, it’s important to note that each driver’s insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.

Average cost of car insurance in Oxnard by zip code

Even within the same city, car insurance rates can still vary based on where you live. Neighborhoods that have a greater incidence of auto theft, car accidents, and other situations that can lead to insurance claims will be flagged as “high-risk.” Drivers living in these neighborhoods tend to pay more than people in other areas of the city.

Zip Code	Average State Minimum Coverage Rate	Average Full Coverage Rate
93030	$99	$288
93033	$69	$177
93035	$78	$156
93036	$56	$253

Car insurance quotes in Oxnard by rating factors

Insurance companies in Oxnard use many rating factors when deciding your auto insurance premium:

• Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
• Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
• The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
• Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
• How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.

Cheap car insurance quotes in Oxnard after driving violations

Your California driving history impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:

• Speeding
• DUIs
• At fault accident
• Reckless driving
• Driving on a suspended license

Cheapest car insurance in Oxnard after speeding ticket

In Oxnard, a speeding ticket could increase your car insurance rate by about 13%. Jerry is proud to help drivers with varying speeding tickets save on car insurance.

Speeding Type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Speeding Violation-Minor	Progressive	$46	32	93033	Nissan Versa S	25/50	No
Speeding Violation-Minor	Aspire Advantage	$55	26	93033	Nissan Versa S	State Minimum	No
Speeding Violation-Minor	Aspire Advantage	$57	60	93033	Gmc Sierra C1500	State Minimum	No
Speeding Violation-Minor	National General	$120	57	93036	Jeep Patriot Sport	State Minimum	Yes
Speeding Violation-Minor	Anchor General	$68	29	93033	Nissan Versa S	State Minimum	No

Last Updated Dec 17, 2024

Cheapest car insurance in Oxnard after DUI

In Oxnard, a DUI violation can increase your insurance rate by as much as 22%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.

Jerry has helped many Oxnard drivers obtain affordable auto insurance rates after a DUI.

Cheapest car insurance in Oxnard after an at-fault accident

One of the most important factors affecting car insurance rates is your car accident or claim history. For Oxnard drivers, car accidents could result in an average rate increase of 15%.

California is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Oxnard drivers save on car insurance after accidents.

Accident type	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Not At Fault	Bristol West	$356	46	93033	Acura Tlx Technology	50/100	Yes
At Fault With Injury	Bristol West	$215	52	93033	Lincoln Mkz	State Minimum	Yes
At Fault With Injury	Aspire Advantage	$55	26	93033	Nissan Versa S	State Minimum	No
At Fault With No Injury	National General	$388	67	93030	Nissan Altima 3.5Sl	State Minimum	Yes
At Fault With Injury	Anchor General	$405	20	93033	Nissan Sentra Sv	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Oxnard after other driving violations

In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your in car insurance costs to increase in Oxnard.

We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.

Violation	Insurance Company	Premium (monthly)	Age	Zip Code	Car	Liability Limits	Has Full Coverage
Other Minor	Progressive	$61	61	93033	Toyota Yaris	25/50	No
Other Major	National General	$123	33	93030	Honda Accord Lx	State Minimum	Yes
Suspension	National General	$53	43	93033	Chevrolet Tahoe C1500	State Minimum	No
Speed over 100mph	Bristol West	$215	52	93033	Lincoln Mkz	State Minimum	Yes
Ticket Violation Not Listed	Aspire Advantage	$81	21	93033	Toyota Camry	State Minimum	No

Last Updated Dec 17, 2024

Cheap car insurance quotes in Oxnard by driving experience

Inexperienced drivers, such as teens or newly licensed motorists, pay higher than average insurance rates. As drivers gain more experience, their insurance rates can drop. Car insurance costs often start rising again at the age of 75 due to increased risk factors.

Cheapest car insurance in Oxnard for young drivers

Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Oxnard. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents.

In the meantime, teens should consider sharing a policy with a household member, such as a parent or guardian. Most drivers can save up to $2,055 annually by keeping a teen driver on their policy, and with Jerry, you may be able to save even more.

Cheapest car insurance in Oxnard for senior drivers

Older drivers in Oxnard are more likely to be involved in an accident. Furthermore, they’re much more vulnerable to injuries after a car accident. All of this can be very expensive, which is why car insurance companies charge older adults in Oxnard more for coverage.

Cheap car insurance quotes in Oxnard based on insurance history

An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates.

To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.

We have helped many customers who are currently not insured or have had a lapse in coverage find savings on a new auto insurance policy.

Cheap car insurance quotes in Oxnard for popular cars

The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.

Popular car models in Oxnard include:

• Toyota Camry
• Honda Civic
• Ford Bronco
• Toyota Prius
• Tesla Model Y

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Learn more: How to get car insurance before buying a car

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Popular Car	Insurance Company	Premium (monthly)	Age	Zip Code	Liability Limits	Has Full Coverage
Toyota Camry	Aspire Advantage	$81	21	93033	State Minimum	No
Honda Civic Ex	National General	$46	33	93033	State Minimum	No
Honda Civic Ex	National General	$45	35	93035	State Minimum	No
Honda Civic Lx	National General	$55	29	93030	State Minimum	No
Honda Civic Lx	National General	$133	25	93033	State Minimum	Yes

Last Updated Dec 17, 2024

Cheapest car insurance in Oxnard for new vs. old car

A new car is typically more expensive to insure than an older car. We have found that the average insurance cost for a car older than 10 years is $80 per month in Oxnard. The average cost for insuring a car less than four years old goes up to $108 per month.

How to lower car insurance costs in Oxnard

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.

Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry compares quotes for free!

2. Hunt for car insurance discounts

Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:

• Good driver discounts. California state law mandates 20% insurance discounts for drivers with one or fewer points on their license who have continuously held a license for three years with no at-fault accidents responsible for injury or death.
• Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
• Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
• Bundling discounts. Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.