Ventura, CA Car Insurance

Explore expert tips on how to find affordable auto insurance in Ventura, California.

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How much does auto insurance cost in Ventura?

 

The average car insurance rate in Ventura is $1,669 per year. That's less than the average across California ($1,868) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Ventura.

 
SAN BUENAVENTURA (VENTURA) AUTO INSURANCE RATES
Ventura Average (yearly)California AverageNational Average
$1,669$1,868$1,548
 
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Ventura car insurance rates by company

 

The difference in auto insurance rates from company to company can be substantial. In Ventura, GEICO provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Ventura. Don't forget to get car insurance quotes based on your driving profile.

 
SAN BUENAVENTURA (VENTURA) CAR INSURANCE RATES BY COMPANY
Insurance CompanyAverage Yearly Rate
GEICO$1,175
Mercury$1,243
AAA$1,458
Infinity$1,647
Alliance$1,720
 

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

 

Ventura car insurance costs by age

The age group that enjoys the lowest auto insurance rates in Ventura are drivers in their 60s, who pay an average of $1,494 per year. Drivers in their 50s pay marginally higher rates — $1,503 per year.

Teenage drivers pay Ventura's most expensive auto insurance rates. When drivers hit their 20s in Ventura and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Ventura is $3,687, the largest such difference between any two age brackets.

 
CAR INSURANCE RATES BY AGE TIER IN SAN BUENAVENTURA (VENTURA)
AgeAverage Yearly Rate
Teenagers$6,141
20s$2,454
30s$1,626
40s$1,573
50s$1,503
60s$1,494
70s$1,736
 

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

 

Ventura car insurance rates by gender and marital status

 

In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. In Ventura, married drivers pay $65 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 Ventura, widowed drivers pay less than those who are single.

Another component of auto insurance pricing is gender. In Ventura, female drivers pay more for auto insurance than do male drivers: $5 per year, to be precise.

 
INSURANCE RATES IN SAN BUENAVENTURA (VENTURA) BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Yearly Rate
Female$1,674
Male$1,669
Single$1,604
Married$1,604
Divorced$1,669
Widowed$1,624
 

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

 

Ventura auto insurance premiums by driving history

 

No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Ventura drivers found guilty of reckless driving face insurance rate increases of $2,881 per year, compared to the citywide average. A DUI violation may lead to a $2,798 increase, while a citation for speeding leads to a $672 rate hike.

 
AVERAGE SAN BUENAVENTURA (VENTURA) INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$4,468
Reckless Driving$4,551
At-fault Accident (damages less than $1,000)$1,676
At-fault Accident (damages greater than $2,000)$2,908
Speeding Ticket (16-20 mph over speed limit)$2,342
 

Learn more about the impact of driving violations on car insurance rates.

 

Ventura auto insurance premiums by credit score

 

It's no secret credit score is closely correlated with auto insurance rates. Moving from "Very Poor" to "Fair" credit is typically an important step toward saving money on auto insurance.

In Ventura, however, your credit score won't impact your premium even if you have poor credit. California is one of three states that have restricted insurance companies from using drivers' credit scores as a rating factor in pricing premiums.

Get additional information on how credit impacts car insurance costs.

 

Ready to start saving? Compare quotes now to find a cheap policy.

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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.