Oxnard is the most populated city of Ventura County with over 210,000 residents. Oxnard is part of the Greater Los Angeles area and is located 60 miles northwest of downtown Los Angeles. With over 85% of households owning 2 vehicles or more, most Oxnard residents are interested in finding cheap car insurance. In this article, you will learn how much you can expect to pay Oxnard auto insurance, which are the best insurers and how rates differ depending on which demographic group you belong to.

Cheapest Car Insurance Companies in Oxnard, CA

We have conducted a study of auto insurance costs in Oxnard, CA. We got quotes from 42 different companies and 6 different demographic groups. We got 2 sets of quotes: one for the Northwest part of the city and one for the South Oxnard. After that, we averaged Northwest and South premiums to get an average Oxnard premium.

Our study found that on average drivers can expect to pay $1,963 annually for the insurance. Most companies charge slightly more if you are located in South Oxnard compared to Northwest Oxnard. It is possible to save a lot of money by choosing one of the cheaper insurance providers. The cheapest car insurance company in Oxnard is Metromile with a premium of $892. Alliance United ranked second in Oxnard at $1,322.Western General gave us a quote of $1,396. Wawanesa was fourth at $1,409.5 annually. Metropolitan Direct was fifth with a premium of $1,421. For a more complete breakdown of data please check out the table below.

This data is based on a male driver with a clean driving record and over 9 years of driving experience. We assumed that this driver has annual mileage of 10,000 miles and drives Honda Accord, which is one of the most popular models in California. We choose a full coverage plan for all companies.

CompanyNorthwest Oxnard Annual PremiumSouth Oxnard Annual PremiumOxnard Average Annual Premium
Average$1948.43$1977.79$1963.11
Metromile$892$892$892
Alliance United$1,183$1,461$1,322
Western General$1,396$1,396$1,396
Wawanesa$1,378$1,441$1,409.5
Metropolitan Direct$1,468$1,374$1,421
California Casualty$1,433$1,414$1,423.5
USAA$1,435$1,414$1,424.5
Horace Mann$1,447$1,433$1,440
California Capital$1,458$1,458$1,458
Government Employees Ins Co$1,568$1,506$1,537
Infinity$1,578$1,545$1,561.5
Amica Mutual$1,608$1,650$1,629
Mercury$1,766$1,622$1,694
Kemper$1,692$1,702$1,697
Encompass$1,753$1,710$1,731.5
Pacific Property & Casualty$1,748$1,748$1,748
CSE Safeguard$1,694$1,837$1,765.5
Progressive West$1,806$1,836$1,821
Safeco$1,850$1,850$1,850
Coast National$1,911$1,899$1,905
National General/Integon$1,748$2,090$1,919
IDS$1,716$2,132$1,924
Nations Ins. Co.$1,662$2,196$1,929
AAA$1,926$1,948$1,937
Traveler's Commercial$2,013$1,893$1,953
United Financial Cas (Progressive)$1,900$2,010$1,955
Permanent General$2,011$2,011$2,011
MAPFRE$2,069$1,976$2,022.5
Financial Indemnity$2,035$2,035$2,035
21st Century$2,006$2,132$2,069
Esurance$2,233$2,039$2,136
Allstate$2,329$2,091$2,210
Nationwide$2,220$2,427$2,323.5
Safeway$2,316$2,410$2,363
Federal Ins (CHUBB)$2,450$2,389$2,419.5
Farmers$2,516$2,451$2,483.5
State Farm$2,592$2,711$2,651.5
Hartford$2,714$2,639$2,676.5
Anchor General$2,490$2,972$2,731
Liberty Mutual$3,391$2,877$3,134
Bankers Standard$3,187$3,204$3,195.5
Viking$3,246$3,246$3,246

Cheapest Oxnard Auto Insurers for Women

Women expect to pay about $30 less on average than men given that they have the same driving record and experience. We found that a female driver with 9 years of driving experience and a clean driving record can expect to pay $1929.49 per year for full-coverage auto insurance. We assumed that she drives Honda Accord for 10,000 miles per year just like we did for a male driver above.

Metromile provided us with the cheapest estimates at $876 per year. Metropolitan Direct ranked second with a significantly more expensive premium of $1,277. Alliance United ranked third with a $1,298 premium. Western General was the fourth least-expensive option at $1,374. Wawanesa ranked fifth with an annual premium of $1,397.

CompanyNorthwest Oxnard Annual PremiumSouth Oxnard Annual PremiumOxnard Average Annual Premium
Average$1914.36$1944.62$1929.49
Metromile$876$876$876
Metropolitan Direct$1,316$1,238$1,277
Alliance United$1,161$1,435$1,298
Western General$1,374$1,374$1,374
Wawanesa$1,365$1,429$1,397
Horace Mann$1,447$1,433$1,440
California Capital$1,458$1,458$1,458
California Casualty$1,472$1,452$1,462
USAA$1,515$1,495$1,505
Government Employees Ins Co$1,560$1,501$1,530.5
Infinity$1,570$1,537$1,553.5
Amica Mutual$1,608$1,650$1,629
National General/Integon$1,514$1,808$1,661
Mercury$1,734$1,588$1,661
Kemper$1,692$1,702$1,697
Pacific Property & Casualty$1,704$1,704$1,704
Encompass$1,753$1,710$1,731.5
IDS$1,646$2,054$1,850
Safeco$1,853$1,856$1,854.5
Progressive West$1,840$1,878$1,859
Nations Ins. Co.$1,623$2,175$1,899
AAA$1,941$1,964$1,952.5
21st Century$1,896$2,026$1,961
Coast National$1,990$1,960$1,975
United Financial Cas (Progressive)$1,920$2,040$1,980
Traveler's Commercial$2,055$1,928$1,991.5
MAPFRE$2,069$1,976$2,022.5
Permanent General$2,040$2,040$2,040
Esurance$2,155$1,975$2,065
Financial Indemnity$2,112$2,112$2,112
Allstate$2,267$2,027$2,147
CSE Safeguard$2,069$2,245$2,157
Farmers$2,259$2,202$2,230.5
Bankers Standard$2,392$2,405$2,398.5
Federal Ins (CHUBB)$2,450$2,389$2,419.5
Anchor General$2,219$2,658$2,438.5
Nationwide$2,329$2,548$2,438.5
Safeway$2,470$2,572$2,521
State Farm$2,539$2,666$2,602.5
Hartford$2,690$2,619$2,654.5
Liberty Mutual$3,251$2,760$3,005.5
Viking$3,209$3,209$3,209

Cheapest Oxnard Car Insurers for Young Drivers

If you are a young driver with just 3 years of experience and you need to get full coverage car insurance, be prepared to pay quite a bit more. Our study found, a young male driver will have to pay $3272.10 on average to insure the same Honda Accord as in examples above. We purposefully kept all other variables the same: 10,000 miles per year, clean driving record and 3 years of being licensed.

The good news for younger drivers is that they can still save a lot by going with one of the cheaper companies. Wawanesa was the cheapest at $1,754. Horace Mann ranked a close second at $1,835.5 annually. California Casualty got the third spot at $1,869. Metromile was fourth with a premium of $1,963 and USAA was fifth at a slightly higher $1,968 per year.

CompanyNorthwest Oxnard Annual PremiumSouth Oxnard Annual PremiumOxnard Average Annual Premium
Average$3242.74$3301.45$3272.10
Wawanesa$1,713$1,795$1,754
Horace Mann$1,845$1,826$1,835.5
California Casualty$1,880$1,858$1,869
Metromile$1,963$1,963$1,963
USAA$1,979$1,957$1,968
Government Employees Ins Co$2,304$2,214$2,259
Bankers Standard$2,392$2,405$2,398.5
Metropolitan Direct$2,490$2,330$2,410
Alliance United$2,215$2,745$2,480
California Capital$2,516$2,516$2,516
Amica Mutual$2,565$2,634$2,599.5
Pacific Property & Casualty$2,652$2,652$2,652
Encompass$2,722$2,655$2,688.5
AAA$2,767$2,802$2,784.5
Safeco$2,789$2,792$2,790.5
CSE Safeguard$2,729$2,952$2,840.5
Western General$2,895$2,895$2,895
IDS$2,602$3,280$2,941
Esurance$3,105$2,845$2,975
Mercury$3,144$2,884$3,014
Nations Ins. Co.$2,594$3,475$3,034.5
Traveler's Commercial$3,319$3,104$3,211.5
Progressive West$3,218$3,280$3,249
21st Century$3,222$3,420$3,321
Kemper$3,345$3,370$3,357.5
Permanent General$3,555$3,555$3,555
Hartford$3,699$3,596$3,647.5
Coast National$3,784$3,748$3,766
National General/Integon$3,436$4,115$3,775.5
MAPFRE$3,922$3,745$3,833.5
United Financial Cas (Progressive)$3,710$3,968$3,839
Financial Indemnity$3,866$3,866$3,866
Federal Ins (CHUBB)$4,035$3,935$3,985
Allstate$4,243$3,816$4,029.5
Safeway$3,994$4,224$4,109
Nationwide$3,958$4,350$4,154
Infinity$4,288$4,184$4,236
Liberty Mutual$4,954$4,191$4,572.5
Anchor General$4,248$5,121$4,684.5
State Farm$4,714$4,932$4,823
Farmers$5,416$5,258$5,337
Viking$5,408$5,408$5,408

Best Liability-Only Car Insurance for New Drivers in Oxnard

If you are a new driver in Oxnard, CA, you should consider getting a basic coverage that includes liability-only third-party coverage. Bear in mind that you can opt for this coverage only if you are not leasing or financing your vehicle. We got quotes for a new male driver with 1 year of driving experience and no traffic violations. We assumed that he drives Toyota Camry for 10,000 miles per year. As a result, we got an average premium of $1829.54. This is significantly cheaper than a full-coverage plan for a driver with 3 years of experience.

What is even better is that shopping around can get your premium under $1000. According to quotes we got Pacific Property & Casualty was the cheapest at $800 per year. USAA ranked second at $871.5. California Casualty got the third spot with a premium of $932.5, followed by Horace Mann ($979.5) and GEICO ($1,140). So the best way to save money for a new driver is to buy a cheap used car without financing and get liability-only insurance coverage for it. If you are a new driver, this should save you a lot of money.

CompanyNorthwest Oxnard Annual PremiumSouth Oxnard Annual PremiumOxnard Average Annual Premium
Average$1798.92$1860.15$1829.54
Pacific Property & Casualty$800$800$800
USAA$864$879$871.5
California Casualty$947$918$932.5
Horace Mann$973$986$979.5
Alliance United$1,148$1,460$1,304
GEICO$1,150$1,130$1,140
Western General$1,175$1,175$1,175
AAA$1,292$1,340$1,316
Loya$1,303$1,303$1,303
Occidental$1,332$1,332$1,332
Metromile$1,376$1,376$1,376
California Capital$1,500$1,500$1,500
National General/Integon$1,522$1,642$1,582
Amica Mutual$1,648$1,648$1,648
Workmen's Auto$1,691$1,826$1,758.5
Hartford$1,694$1,768$1,731
Financial Indemnity$1,790$1,790$1,790
American States$1,794$1,825$1,809.5
United Financial Cas (Progressive)$1,828$2,076$1,952
Metropolitan Direct$1,842$1,802$1,822
Progressive West$1,862$1,940$1,901
Safeway$1,869$1,861$1,865
Nations Ins. Co.$1,870$2,622$2,246
Anchor General$1,878$2,715$2,296.5
Coast National$1,891$1,780$1,835.5
Permanent General$1,967$1,967$1,967
Esurance$2,004$1,956$1,980
State Farm$2,032$2,197$2,114.5
Kemper$2,046$2,059$2,052.5
California Automobile Ins Co$2,165$2,015$2,090
Viking$2,297$2,297$2,297
Federal Ins (CHUBB)$2,437$2,234$2,335.5
Nationwide$2,445$2,799$2,622
Infinity$2,657$2,585$2,621
Allstate$2,759$2,242$2,500.5
Farmers$3,383$3,382$3,382.5
Bankers Standard$4,479$4,469$4,474

Cheapest Oxnard Auto Insurance for Married Couples

After looking at young and new drivers, we decided to study full-coverage rates for married couples. We assumed that a married couple has 2 cars: Toyota Prius and Camry. They drive 16,000 miles a year and have 13 and 10 years of experience.

This case study found that an average car insurance premium for couples is $3582.96. Metromile was the cheapest at $1,872. Metropolitan Direct was second with a significantly higher premium of $2,385. Wawanesa ranked third at $2,400. Mercury got the fourth spot with an average annual premium of $2,418. Alliance United was the last in top 5 cheapest providers with a premium of $2,465.5.

CompanyNorthwest Oxnard Annual PremiumSouth Oxnard Annual PremiumOxnard Average Annual Premium
Average$3551.83$3614.10$3582.96
Metromile$1,872$1,872$1,872
Alliance United$2,211$2,720$2,465.5
Wawanesa$2,349$2,451$2,400
Metropolitan Direct$2,476$2,294$2,385
California Capital$2,488$2,488$2,488
Mercury$2,526$2,310$2,418
Western General$2,546$2,546$2,546
Pacific Property & Casualty$2,552$2,552$2,552
USAA$2,572$2,533$2,552.5
IDS$2,623$3,345$2,984
Nations Ins. Co.$2,884$3,887$3,385.5
Horace Mann$2,887$2,854$2,870.5
Government Employees Ins Co$2,960$2,832$2,896
Progressive West$2,980$3,024$3,002
California Casualty$3,068$3,038$3,053
Kemper$3,141$3,154$3,147.5
National General/Integon$3,181$3,809$3,495
Safeco$3,238$3,248$3,243
Infinity$3,251$3,180$3,215.5
United Financial Cas (Progressive)$3,274$3,444$3,359
Encompass$3,305$3,222$3,263.5
Amica Mutual$3,328$3,434$3,381
AAA$3,382$3,413$3,397.5
Permanent General$3,403$3,403$3,403
Traveler's Commercial$3,435$3,216$3,325.5
Esurance$3,452$3,192$3,322
Anchor General$3,470$4,219$3,844.5
Financial Indemnity$3,577$3,577$3,577
21st Century$3,806$4,024$3,915
MAPFRE$4,017$3,825$3,921
Farmers$4,039$3,935$3,987
Coast National$4,152$4,130$4,141
Allstate$4,227$3,755$3,991
CSE Safeguard$4,376$4,737$4,556.5
Nationwide$4,618$5,020$4,819
State Farm$4,620$4,838$4,729
Safeway$4,724$4,982$4,853
Liberty Mutual$4,870$4,181$4,525.5
Hartford$4,889$4,770$4,829.5
Federal Ins (CHUBB)$4,944$4,872$4,908
Viking$5,531$5,531$5,531
Bankers Standard$6,890$6,933$6,911.5

Cheapest Oxnard Car Insurers for Seniors

Finally, we studied car insurance rates for senior married couples. We assumed that both drivers have over 40 years of holding a driver’s license and no traffic tickets. We assumed that they drive 1 car Toyota Camry for 7,000 miles annually.

As a result, we found that senior couples can expect to pay an average of $1590.31. Metromile was the cheapest option at $791 per year. Wawanesa was the second most inexpensive provider at $913. Metropolitan Direct ranked third at $1,092. IDS was fourth with a premium of $1117. Pacific Property & Casualty finished fifth at $1,126 per year.

CompanyNorthwest Oxnard Annual PremiumSouth Oxnard Annual PremiumOxnard Average Annual Premium
Average$1573.67$1606.95$1590.31
Metromile$791$791$791
Wawanesa$893$933$913
IDS$984$1,250$1117
Nations Ins. Co.$1,090$1,456$1,273
Pacific Property & Casualty$1,126$1,126$1,126
Metropolitan Direct$1,130$1,054$1,092
USAA$1,177$1,164$1,170.5
Amica Mutual$1,178$1,213$1,195.5
Traveler's Commercial$1,230$1,159$1,194.5
California Casualty$1,260$1,245$1,252.5
Government Employees Ins Co$1,272$1,217$1,244.5
Alliance United$1,280$1,580$1,430
National General/Integon$1,301$1,554$1,427.5
Western General$1,312$1,312$1,312
Horace Mann$1,318$1,305$1,311.5
21st Century$1,366$1,484$1,425
California Capital$1,388$1,388$1,388
Coast National$1,432$1,415$1,423.5
Mercury$1,460$1,338$1,399
AAA$1,475$1,495$1,485
Safeco$1,490$1,488$1,489
Allstate$1,551$1,395$1,473
Farmers$1,559$1,524$1,541.5
Infinity$1,561$1,535$1,548
Encompass$1,573$1,534$1,553.5
United Financial Cas (Progressive)$1,616$1,724$1,670
Kemper$1,680$1,690$1,685
Esurance$1,687$1,601$1,644
Anchor General$1,691$2,052$1,871.5
Federal Ins (CHUBB)$1,696$1,667$1,681.5
Financial Indemnity$1,729$1,729$1,729
State Farm$1,733$1,815$1,774
Progressive West$1,752$1,786$1,769
Safeway$1,816$1,900$1,858
Nationwide$1,891$2,053$1,972
Permanent General$1,960$1,960$1,960
MAPFRE$1,965$1,875$1,920
CSE Safeguard$1,999$2,149$2,074
Liberty Mutual$2,147$1,839$1,993
Hartford$2,260$2,203$2,231.5
Viking$2,429$2,429$2,429
Bankers Standard$3,075$3,094$3,084.5

Statistics Related to Auto-Ownership in Oxnard, California

  • 15.2% of drivers operate their vehicles illegally with no valid insurance in the state of California.
  • Oxnard has 330.8 car thefts per 100,000 residents. This is much lower than the California average of 425.9 but is significantly higher than the national average of 237.4.
  • Average commute time in Oxnard is 24.2 minutes.
  • Only 15.3% of families have only 1 vehicle in Oxnard. 33.9% of households own 2 vehicles. 24.6% own 3 vehicles and 13.5% of families have 4 vehicles. Just 2.3% of households have no cars at all.