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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

How much does auto insurance cost in Oxnard?


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
$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 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)
GEICO $1,268
Mercury $1,408
AAA $1,597
Infinity $1,648
Alliance $1,958

Find the best cheap car insurance today


Oxnard car insurance costs by age

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
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.

Gender/Marital Status Average Annual Rate
Female $1,820
Male $1,816
Single $1,743
Married $1,743
Divorced $1,816
Widowed $1,766


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 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
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


California is one of the only U.S. states to bar insurance companies from using credit score as a rating factor. 


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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.