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

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.

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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.

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

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

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

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

Savings on 2 Vehicles bundle:$417

Savings on 3 Vehicles bundle:$626

Savings on 4 Vehicles bundle:$835

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

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

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

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

The policy offerings are comparable to other companies. Ever so often I will check other companies' offerings and have not find anything that would make me consider changing to another provider.
State Farm
they a scalable based on how much you want to pay for your insurance. so you can have a high deductible to a 0 deductible if you want to pay them for it.
State Farm
The car insurance deduction policy is very inviting than all other insurance companies of their level. They offer reasonable deduction.
I would definitely recommend Progressive to family and friends.they have a lot of different programs to help you save as much money as possible.
Very competitive rates on auto insurance. They have many different ways to customize your coverage based on your wants compared to your budget.
The customer service while speaking with an agent has been ok, there are certain aspects that I believe need improving. I believe there have been several time in which I have received 'lip service' that could not be backed up.
Fred Loya Insurance
I don't like that I can't change my payment date. I would like to change it to the day I get paid, but they won't do that since I signed up before that date the first time.
I dislike how geico has continued to slightly raise my rates even though I have not received any tickets or have been in an accident. It has lead me to look around at possible other options due to the price being high for only having one vehicle on my plan.
I like our company because overall they are giving us great premiums as well as great coverage.
I like that the options for the premium were the lowest and that I could do most things online without having to interact with people. I don't have many strong feelings otherwise.
I love their premiums they are a great value and the customer service is exceptional at mercury