Oxnard, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oxnard, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Oxnard, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Oxnard, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Oxnard, CA with that of other cities in and around Oxnard.

	Oxnard	Camarillo	Triunfo Pass-Point Mugu	El Rio	Saticoy	Casa Conejo
Average Insurance Rates	$1,391	$1,344	$2,566	$1,868	$1,860	$1,936

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Oxnard, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Oxnard, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Oxnard	$941	$795
Port Hueneme	$1,349	$1,140
Camarillo	$2,721	$2,299
Channel Islands Beach	$2,129	$1,798
El Rio	$1,924	$1,625
Triunfo Pass-Point Mugu	$2,643	$2,232
Saticoy	$1,505	$1,271
Casa Conejo	$1,867	$1,577

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Oxnard, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Oxnard, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,514
20 Years	$1,787
30 Years	$1,377
40 Years	$1,325
50 Years	$1,227
60 Years	$1,244
70 Years	$1,448

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Oxnard, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Oxnard, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,365	$417
3 Vehicles	$3,547	$626
4 Vehicles	$4,729	$835

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Oxnard, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Oxnard, CA.

Location	Average Insurance Cost	Post DUI Insurance Rate
Oxnard	$1,391	$3,425
Port Hueneme	$1,862	$4,585
Camarillo	$1,344	$3,309
Channel Islands Beach	$2,067	$5,089
El Rio	$1,868	$4,599
Triunfo Pass-Point Mugu	$2,566	$6,318
Saticoy	$1,860	$4,580
Casa Conejo	$1,936	$4,767

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Oxnard, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,193
Excellent (740-799)	$1,362
Good (670-739)	$1,449
Average (580-669)	$1,891
Poor (300-579)	$2,269

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Oxnard, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$61	$1,452
Driver's Failure In Showing Documents	+$135	$1,526
Driving With An Expired Registration	+$143	$1,534
Driving At A Considerably Slow Pace	+$302	$1,693
Using A Cellphone While Driving	+$319	$1,710
Running A Red Light	+$324	$1,715
Speeding	+$341	$1,732
Driving A Vehicle Without The Required Permission	+$433	$1,824
Driving With An Expired/Suspended License	+$938	$2,329

Oxnard, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,335
Active Disabling Device	$1,335
Tracking Device	$1,308
Passive Disabling Device	$1,294

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Latest Auto Insurance Reviews in Oxnard, CA | Back to Top