Oxnard, CA Car Insurance

How much is auto insurance in Oxnard?


The typical Oxnard driver pays $1,816 per year for car insurance coverage. That's cheaper than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Oxnard — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.


AUTO INSURANCE COSTS: OXNARD VS. STATE AND US AVERAGES
Oxnard Average (yearly)California AverageUnited States Average
$1,816$1,868$1,548

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Oxnard car insurance rates by company


One of the most important determinants of your car insurance rates is the insurance company you work with. In Oxnard, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Oxnard below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.


OXNARD CAR INSURANCE RATES BY COMPANY
CompanyAverage Rate (annual)
GEICO$1,268
Mercury$1,408
AAA$1,597
Infinity$1,648
Alliance$1,958

Check out our guide to learn how to find the best cheap car insurance.



Oxnard car insurance costs by age

The best age for car insurance rates as a driver in Oxnard is your age_60s: drivers in this age group pay an average of $1,626per year. Rates for Oxnard drivers in their age_50s are also relatively affordable, at just $1,634 per year.

Young drivers aged 16 to 19 pay the most for car insurance in Oxnard. One of the easiest ways to lower your car insurance rates as a driver in Oxnard is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Oxnard is $3,977, the largest such difference between any two age brackets.


OXNARD CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$6,644
20s$2,667
30s$1,768
40s$1,711
50s$1,634
60s$1,626
70s$1,884

Learn more about the impact of age on auto insurance rates.



Oxnard auto insurance costs by marital status and gender


Marital status and gender are contributing factors to car insurance rates in many cases. In Oxnard, married drivers pay $73 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Oxnard, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In Oxnard, female drivers pay $4 per year more than do male drivers.


OXNARD CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,820
Male$1,816
Single$1,743
Married$1,743
Divorced$1,816
Widowed$1,766

Learn more about the impact gender and marital status have on insurance rates.



Oxnard car insurance costs by incident history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Oxnard drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,124 per year versus the city average. A ticket for speeding results in a $736 rate hike, on average, while a DUI violation costs $3,038per year in insurance premiums.


OXNARD CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Yearly Rate
DUI/DWI$4,854
Reckless Driving$4,940
At-fault Accident (damages < $1,000)$1,823
At-fault Accident (damages greater than $2,000)$3,176
Speeding Ticket (16-20 mph over speed limit)$2,552

Get more info on how a bad driving history can impact your car insurance costs.



Oxnard auto insurance rates by credit level


A driver's credit level can be closely correlated with their auto insurance rates. In fact, Oxnard drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Oxnard, moving into the "Fair" credit tier corresponds to an average of $0 in savings on insurance each year.


OXNARD AUTO INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Yearly Rate
Very Poor$1,816
Fair$1,816
Good$1,816
Very Good$1,816
Exceptional$1,816

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com.