Best Auto Insurance Rates in Oxnard, California

On average your neighbors pay $70 a month.

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Compare Auto Insurance in Oxnard

Friday, November 9 2018 By Shantae Young

Located on the scenic coast of Southern California and home to California's Strawberry Festival, Oxnard's roads are traveled by residents and tourists alike. Whether you live in Oxnard or are just visiting, get a quote today and make sure you'e covered while traveling on Highway 101.

Average Oxnard Car Insurance Rates

How much is car insurance in Oxnard, CA? Poorly maintained roads, and a high motor vehicle theft rate means that average car insurance rates in Oxnard are much higher than the national average. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on limits, coverage, and the total number of claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Oxnard and save up to 40% on your premium.

Last year, 3,090 people used QuoteWizard to compare car insurance quotes in Oxnard, CA from multiple companies to find the best rates.

Best Car Insurance Companies in Oxnard, CA

This is our list of the most common car insurance companies reported by QuoteWizard users in Oxnard, CA last year.

  1. Farmers
  2. GEICO
  3. Allstate
  4. State Farm
  5. Progressive
  6. AAA
  7. Mercury
  8. Esurance
  9. USAA
  10. Liberty Mutual

Top 10 Vehicles

This is our list of the most common car makes and models owned by Oxnard drivers requesting quotes through QuoteWizard in the past year.

  1. Honda Accord EX/LX
  2. Honda Civic EX
  3. Ford F150
  4. Toyota Prius
  5. Chevrolet C1500 Silverado
  6. Infiniti G35
  7. Ford Expedition
  8. Nissan Sentra S/SV/SR/SL
  9. Toyota Camry LE/XLE/SE
  10. Nissan Altima 2.5 S/SV/SL

Minimum Car Insurance Requirements in Oxnard, CA

Drivers in Oxnard, California must follow the 15/30/5 minimum liability coverage rule. This rule requires drivers to maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your carrier will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurer will pay for property damage caused by a car accident.

Oxnard Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Oxnard, CA ranked 70th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 9.1 years.

Driving Conditions

Major factors that can influence insurance rates are weather, driving, and road conditions.

Weather

Oxnard residents enjoy a Mediterranean climate with warm, dry summers and mild winters. The city gets very little precipitation averaging only 15.22 inches a year with nearly all of it occurring between December and March.

Road Conditions

TRIP reports that 48 percent of the major roads in Oxnard are in poor condition. Another 31 percent are mediocre. These poorly maintained, pothole-filled streets are costing drivers $852 a year in extra vehicle operating costs.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and higher insurance rates. These points can remain on your record for up to three years. Should you get too many of these points added in a short period and your insurer finds out, they may consider you a risk. They could even switch your status from preferred to non-standard and make you buy a high-risk insurance policy.

Traffic Tickets

The Superior Court of California County of Ventura traffic website allows residents to pay traffic tickets. It also tells drivers how to contest tickets, and provides helpful traffic court information.

DUI Arrests

According to the California Office of Traffic Safety (OTS), Oxnard arrested 440 drivers for suspicion of driving under the influence (DUI), in 2013.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Oxnard DUI insurance.

Traffic Fatalities

Oxnard experienced ten deaths in motor vehicle crashes in 2013. This works out to a fatality rate of 2.46 per 100,000 residents. All traffic deaths are a tragic loss, but considering Oxnard’s estimated population of 203,007, it’s is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Oxnard Police recorded 845 vehicle thefts in 2016, a rate of 4.08 per 1,000 residents.

Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the car insurance discounts available to drivers in Oxnard, CA.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies under one insurance company can save you as much as 20% on your premium
  2. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  3. Keep your driving record clean. Too many tickets and especially at-fault accidents will increase your rates significantly
  4. Take a defensive driving course from an accredited driving school
  5. Maintain at least a B grade point average in school to qualify for the good student discount
  6. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount

Sources:

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