Explore expert tips on how to find affordable auto insurance in Ventura, California.
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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.
|Ventura Average (yearly)||California Average||National Average|
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.
|Insurance Company||Average Yearly Rate|
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.
|Age||Average Yearly Rate|
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.
|Gender/Marital Status||Average Yearly Rate|
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.
|Incident||Average Annual Rate|
|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|
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.
|Santa Ana||Stockton||Long Beach|
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 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.