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 Average||National Average|
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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 Company||Average Yearly Rate|
Ventura car insurance costs by age
The age group that enjoys the lowest auto insurance rates in Ventura are drivers in their age_60s, who pay an average of $1,494per year. Drivers in their age_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)
|Age||Average Yearly Rate|
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 Status||Average Yearly Rate|
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
|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|
Ventura auto insurance premiums by credit score
It's no secret credit score is closely correlated with auto insurance rates. In fact, Ventura drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 0% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Ventura, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.
SAN BUENAVENTURA (VENTURA) AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Yearly Rate|