Ventura Car Insurance

The Zebra
May 30, 2018

Car Insurance in Ventura, California

California is known for its pricey premiums, as its mean rate surpasses the national average by 20%. Premiums also run high in the city, so if you are insuring a vehicle in Ventura, understanding premium costs is important. Who doesn't like to save money? Check out some methods to save on car insurance.

  • City Average: $1,511
  • State Average: $1,713
  • National Average: $1,427

Ventura, California, Car Insurance by Accident or Violation History

Do you have an accident or violation history? That can cost you in terms of car insurance rates. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $2,808 is the additional cost per year for drivers with a DUI or reckless driving violation in Ventura, compared to the city average of $1,511. For drivers in Ventura with at-fault accidents, $824 is the amount by which annual insurance premiums can be expected to rise.

  • DUI: $4,319
  • Reckless Driving: $4,319
  • At-fault Accident (damages less than $1000): $2,335
  • At-fault Accident (damages greater than $2000): $2,335
  • Speeding Ticket (16-20 mph over speed limit): $2,039

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Ventura Car Insurance by Gender and Marital Status

Car insurance premiums in Ventura can be influenced by driver characteristics such as gender and marital status. Being single can cost you roughly $60 more per year compared to being married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Males have premiums that are barely cheaper than those for females.

  • Female: $1,515
  • Male: $1,511
  • Single: $1,511
  • Married: $1,448
  • Divorced: $1,511
  • Widowed: $1,454

Car Insurance by Age in Ventura

The most significant fall in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Ventura start saving $3,404. Insurance rates for drivers continue to decrease through their 60s, but they can expect a change when they hit 70. Car insurance premiums are highest for teenage drivers, with typical rates of $5,599 per year. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest insurance payments among any age group, with rates of $1,302. People in their 50s ($1,337) also have relatively low premiums.

  • Teenagers: $5,599
  • 20s: $2,195
  • 30s: $1,485
  • 40s: $1,439
  • 50s: $1,337
  • 60s: $1,302
  • 70s: $1,452

* 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.