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.
| Company | Northwest Oxnard Annual Premium | South Oxnard Annual Premium | Oxnard Average Annual Premium |
|---|---|---|---|
| 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 |
| Average | $1948.43 | $1977.79 | $1963.11 |
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.
| Company | Northwest Oxnard Annual Premium | South Oxnard Annual Premium | Oxnard Average Annual Premium |
|---|---|---|---|
| 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 |
| Average | $1914.36 | $1944.62 | $1929.49 |
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.
| Company | Northwest Oxnard Annual Premium | South Oxnard Annual Premium | Oxnard Average Annual Premium |
|---|---|---|---|
| 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 |
| Average | $3242.74 | $3301.45 | $3272.10 |
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.
| Company | Northwest Oxnard Annual Premium | South Oxnard Annual Premium | Oxnard Average Annual Premium |
|---|---|---|---|
| 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 |
| Average | $1798.92 | $1860.15 | $1829.54 |
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.
| Company | Northwest Oxnard Annual Premium | South Oxnard Annual Premium | Oxnard Average Annual Premium |
|---|---|---|---|
| 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 |
| Average | $3551.83 | $3614.10 | $3582.96 |
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.
| Company | Northwest Oxnard Annual Premium | South Oxnard Annual Premium | Oxnard Average Annual Premium |
|---|---|---|---|
| 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 |
| Average | $1573.67 | $1606.95 | $1590.31 |
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.