Oxnard Car Insurance

The Zebra
May 30, 2018

Car Insurance in Oxnard

Oxnard has premiums that are relatively equivalent to California's average, as they are within $34 of one another. Let’s get started on how to save on car insurance in Oxnard.

  • City Average: $1,679
  • State Average: $1,713
  • National Average: $1,427

Oxnard Car Insurance by Accident or Violation History

Having an unblemished driving record is critical if you want to keep the expense of car insurance rates minimal. In Oxnard, drivers with either a DUI or reckless driving violation have rates nearly triple the average for the city of $1,679. Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates following one. For those in Oxnard with at-fault accidents, $932 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $4,782
  • Reckless Driving: $4,782
  • At-fault Accident (damages less than $1000): $2,611
  • At-fault Accident (damages greater than $2000): $2,611
  • Speeding Ticket (16-20 mph over speed limit): $2,270

Oxnard Car Insurance by Age

At $1,445, drivers in their 60s have the lowest insurance payments among any age group. Those in their 50s ($1,483) have premiums that aren't much higher. With rates of $6,246 on average, teenage drivers pay the most in car insurance premiums. The largest dip in premiums between any age group is from the teenage age range to the 20s, as drivers in Oxnard start saving an average of $3,798. In Oxnard, turning 70 means an increase in rates. Up until then, moving between age groups means decreasing prices.

  • Teenagers: $6,246
  • 20s: $2,448
  • 30s: $1,649
  • 40s: $1,598
  • 50s: $1,483
  • 60s: $1,445
  • 70s: $1,611

Oxnard Car Insurance by Gender and Marital Status

There are numerous factors, including marital status and gender, that impact car insurance premiums in Oxnard. However, premiums are barely more costly for women than for men. Women generally pay 0.3% more than men each year for insurance. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being married can save you 4% per year compared to being single or divorced.

  • Female: $1,684
  • Male: $1,679
  • Single: $1,679
  • Married: $1,609
  • Divorced: $1,679
  • Widowed: $1,615

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance.

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