The typical car insurance policy costs $151 per month in Oxnard. Learn more and compare rates.
Why you can trust The Zebra
The typical Oxnard driver pays $1,816 per year for car insurance coverage. That's cheaper than the average in 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.
|Oxnard Average (yearly)||California Average||United States Average|
One of the most important determinants of your car insurance rates is the insurance company from which you purchase your policy. In Oxnard, GEICO offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Oxnard below, but you should also see our list of the top-rated auto insurers. Use this information as a starting point and be sure to get free quotes specific to your unique driving profile.
|Company||Average Rate (annual)|
The best age for car insurance rates as a driver in Oxnard is your 60s: drivers in this age group pay an average of $1,626 per year. Rates for Oxnard drivers in their 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.
|Age bracket||Average Yearly Rate|
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.
|Gender/Marital Status||Average Annual Rate|
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 a steep 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 $3,038 per year in insurance premiums.
|Violation/Incident||Average Yearly Rate|
|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|
California is one of the only U.S. states to bar insurance companies from using credit score as a rating factor.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.