Best Oxnard, CA Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

Top Oxnard CA Pick: State Farm

17,759 reviews

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4.1

Company Facts

Full Coverage in Oxnard CA

$250/mo

A.M. Best Rating

B

Complaint Level

High

» State Farm Auto Insurance Review

17,759 reviews

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Best Oxnard CA Rates: Geico

19,116 reviews

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4.1

Company Facts

Full Coverage in Oxnard CA

$240/mo

A.M. Best Rating

A++

Complaint Level

High

» Geico Auto Insurance Review

19,116 reviews

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Best Oxnard CA Agents: Allstate

11,413 reviews

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4.0

Company Facts

Full Coverage in Oxnard CA

$260/mo

A.M. Best Rating

A+

Complaint Level

» Allstate Auto Insurance Review

11,413 reviews

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Best Oxnard, CA auto insurance providers are State Farm, Geico, and Allstate. State Farm is the top provider of its rental car and travel expense coverage.

Geico is noted for special discounts and low premiums, while Allstate is known for its extensive protection. Comparing types of auto insurance coverage and quotes with these providers helps Oxnard, CA drivers save money and get top-notch vehicle protection.

Our Top 10 Company Picks: Best Oxnard, CA Auto Insurance

Company	Rank	Bundling Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	15%	B	Customer Service	State Farm
	#2	20%	A++	Competitive Rates	Geico
	#3	25%	A+	Local Agents	Allstate
	#4	18%	A	Family Plans	Farmers
	#5	12%	A+	Flexible Options	Progressive
	#6	22%	A	Personalized Coverage	Liberty Mutual
	#7	17%	A	Affordable Rates	Mercury
	#8	13%	A+	Comprehensive Discounts	Nationwide
	#9	19%	A++	Wide Coverage	Travelers
	#10	16%	A+	AARP Benefits	The Hartford

Get started on comparing full coverage auto insurance rates by entering your ZIP code above.

#1 – State Farm: Best for Customer Service

Pros

• Local Agent Network: In our State Farm auto insurance review, you’ll see how their large network of local agents makes personalized service in Oxnard accessible.
• Safe Driving Discounts: State Farm offers discounts for Oxnard drivers who use the Drive Safe & Save program, rewarding responsible driving habits.
• Broad Policy Options:  State Farm’s comprehensive policy options, including rental car and travel expense coverage can benefit drivers in Oxnard.

Cons

• High Rates for Young Drivers: State Farm’s rates can be significantly higher for young drivers looking for the best Oxnard, CA auto insurance.
• Few Online Discounts: Compared to other providers, State Farm offers fewer discounts for online policy management in Oxnard, CA.

#2 – Geico: Best for Competitive Rates

Pros

• Discounts for Military and Federal: Military and federal employees can get special discounts, making auto insurance affordable in Oxnard..
• Strong Reputation for Affordable Rates: Explore our Geico auto insurance review to know why its consistently low premiums make it a top choice for Oxnard drivers.
• Superior Mobile App: Geico’s exceptional mobile app provides Oxnard drivers with easy-to-manage policies and claims handling.

Cons

• Limited Personalization: There are fewer options for customizing the best Oxnard, CA auto insurance, which is a drawback for drivers.
• Occasional Rate Increases: Some drivers in Oxnard, CA, report increases in their Oxnard insurance rate without an apparent reason.

#3 – Allstate: Best for Local Agents

Pros

• Claim Satisfaction Guarantee: Allstate’s Claim Satisfaction Guarantee gives Oxnard drivers peace of mind, offering a refund if they’re unsatisfied with claims handling.
• Wide Range of Add-Ons: Allstate provides many optional coverages, such as sound system insurance, making it ideal for customizing Oxnard, CA auto insurance.
• Roadside Assistance Programs: Discover our Allstate auto insurance review for more insights on how Roadside Assistance benefits Oxnard drivers with extra security.

Cons

• Complex Discounts: Allstate’s discounts may be harder to qualify for, which can reduce savings for Oxnard, CA drivers.
• Above-Average Premiums: Oxnard’s budget-conscious drivers find Allstate premiums higher than other providers.

#4 – Farmers: Best for Family Plans

Pros

• Outstanding Customer Support: Farmers is well-known for its reliable customer service, making it an excellent choice for drivers in Oxnard who want trustworthy coverage.
• Flexible Payment Plans: Offer flexible payment plans, making it easier for drivers to manage their premiums without the added burden of stress.
• Optional Rideshare Coverage: View our Farmers auto insurance review to learn how their rideshare coverage supports Oxnard residents who drive for companies like Uber.

Cons

• Limited Online Tools: Farmers’ website and mobile app tools are less robust compared to competitors, affecting policy management in Oxnard, CA.
• High Premiums for Older Vehicles: Farmers’ premiums for older vehicles tend to be higher, which may be a drawback for some Oxnard drivers.

#5 – Progressive: Best for Flexible Options

Pros

• Snapshot® Program: Delve into our Progressive auto insurance review to see how Oxnard drivers can save with the Snapshot® program that rewards safe driving.
• Accident Forgiveness: Progressive offers accident forgiveness, which can prevent Oxnard drivers’ premiums from rising after their first at-fault accident.
• Usage-Based Insurance: Progressive’s pay-per-mile insurance is great for low-mileage drivers in Oxnard, helping them save on premiums.

Cons

• Limited Local Agent Access: Progressive has fewer local agents in Oxnard, which may hinder personalized service for some drivers.
• Rate Fluctuations: Progressive’s rates for the best Oxnard, CA auto insurance may vary within a certain period depending on the driving habits, which makes the cost hard to predict.

#6 – Liberty Mutual: Best for Personalized Coverage

Pros

• Better Car Replacement: Liberty Mutual’s Better Car Replacement feature is perfect for Oxnard drivers, offering a better replacement if their car is totaled.
• Twelve Month Rate Guarantee: Based on our Liberty Mutual auto insurance review, you can lock in your rates for 12 months, helping with financial planning in Oxnard.
• Discounts for Homeowners: Liberty Mutual provides big savings for Oxnard residents when bundling auto insurance with home insurance.

Cons

• Higher Deductibles:  Higher deductibles may require some coverage options, which could impact Oxnard drivers seeking the best coverage.
• Limited Discount Variety: Discounts are more limited than those offered by other insurers, which might limit the amount of savings for drivers in Oxnard.

#7 – Mercury: Best for Affordable Rates

Pros

• Affordable Rates for High-Risk Drivers: Offers competitive rates for high-risk drivers, making it a great option for those in Oxnard looking for affordable auto coverage.
• Local Agent Availability: Mercury’s local agents in Oxnard drivers can benefit from personalized service and one-on-one support, making it easier to get the help they need when it matters most.
• Quick Repair Shop Access: Within our Mercury auto insurance review, you’ll find how Mercury partners with repair shops for fast, convenient repairs in Oxnard.

Cons

• Basic Mobile App: Mercury’s mobile app lacks some of the advanced features found in other insurance providers’ apps, affecting policy management for Oxnard drivers.
• Limited National Discounts: Mercury may not provide as many nationwide discounts as some larger companies, so drivers in Oxnard may lose out on certain savings options.

#8 – Nationwide: Best for Comprehensive Discounts

Pros

• SmartRide® Program: Nationwide’s SmartRide® program rewards Oxnard drivers for safe driving behavior, helping them save on the best Oxnard, CA auto insurance.
• Vanishing Deductible: Nationwide offers a vanishing deductible option, allowing Oxnard drivers to lower their deductibles for accident-free years.
• On Your Side® Review: See our Nationwide auto insurance review to learn how they’re On Your Side® Review helps Oxnard drivers optimize their auto policies.

Cons

• Limited Policy Customization: Nationwide offers fewer customization options, which may limit flexibility for Oxnard drivers seeking specialized auto insurance.
• Above-Average Premiums: Nationwide’s premiums can be higher than other providers, particularly for full coverage in Oxnard, CA.

#9 – Travelers: Best for Wide Coverage

Pros

• Gap Insurance: According to our Travelers auto insurance review, Gap Insurance offers Oxnard drivers financial protection if their car is totaled.
• Accident Forgiveness: Travelers’ accident forgiveness program ensures that Oxnard drivers won’t face premium increases after their first accident.
• Responsible Driver Discount: Travelers offers a discount for responsible driving, helping Oxnard drivers lower their costs on the best Oxnard, CA auto insurance.

Cons

• Prolonged Online Claims Processing: Travelers’ online claims filing can be slow compared to other insurance companies, which may be inconvenient for drivers in Oxnard.
• Limited Local Offices: The number of local Travelers’ branches in Oxnard is small, which may affect assistance to drivers who prefer face-to-face help at the offices.

#10 – The Hartford: Best for AARP Benefits

Pros

• New Car Replacement: The Hartford has an innovative car replacement benefit that helps Oxnard drivers who want to upgrade to a brand-new vehicle without hassle.
• Lifetime Renewability: Our The Hartford auto insurance review  explores the lifetime renewability clause, which brings extra security to Oxnard residents as it promises coverage for a long period of time.
• Specialized Senior Discounts: The Hartford offers exclusive discounts for AARP members to make auto insurance more manageable for seniors in Oxnard..

Cons

• AARP Requirement: The Hartford’s best discounts and perks are limited to AARP members, which can leave younger drivers in Oxnard without access to those savings.
• Higher Rates for Younger Drivers: The Hartford’s premiums a bit steeper compared to other providers, which could make it harder for younger drivers in Oxnard to find affordable coverage.

Comprehensive Comparison for Best Auto Insurance in Oxnard

When looking at the best insurance companies, drivers in Oxnard can find a plan that is suitable for them and is budget-friendly. Quite a number of businesses provide affordable rates and efficient services, assuring the people of good all-inclusive protection on the roads.

The table presents monetary values attached to the minimum and maximum coverage rate on a monthly basis. This table illustrates different providers, presenting the major companies in the auto insurance industry.

Oxnard, CA Auto Insurance Monthly Rates by Provider & Coverage Level

Insurance Company	Minimum Coverage	Full Coverage
	$80	$260
	$78	$255
	$70	$240
	$74	$248
	$76	$252
	$71	$243
	$72	$245
	$75	$250
	$77	$254
	$73	$249

State Farm stands out as one of the best options available mainly due to its excellent customer service and varied coverage plans. Other notable, affordable and reliable providers include Geico as well as Farmers who have great coverage alternatives for both minimum and whole policies.

Other providers like Liberty Mutual, Mercury, Nationwide, Progressive, The Hartford and Travelers, have also made useful contributions in terms of services and insurance to the residents of Oxnard.

Carefully comparing these providers, Oxnard residents can identify the best auto insurance policy in Oxnard, CA that provides the greatest benefits and coverage available. To gain further insights, consult our comprehensive guide titled “Minimum Car Insurance Requirements.”

Exploring  Discounts for the Best Auto Insurance in Oxnard, CA

Many insurance providers have implemented a variety of discounts that help one to save costs while still making sure that your car is adequately protected. Learn how to take advantage of available discounts to simplify your search for car insurance in Oxnard.

The table below shows the discounts available from the leading providers in the area. By taking the time to explore your options, you’ll have a better sense of which policy fits both your budget and coverage needs.

Auto Insurance Discounts From the Top Providers in Oxnard, CA

Insurance Company	Available Discounts
	Safe Driver, New Car, Bundling, Anti-Theft Device
	Bundling, Homeowner, Business Insurance, Good Student
	Multi-Vehicle, Good Driver, Military, Federal Employee
	New Car, Safe Driver, Homeowner, Eco-Friendly Vehicle
	Claim-Free, Good Student, Multi-Car, Early Sign-Up
	Family Plan, Safe Driver, Good Student, Anti-Lock Brakes
	Snapshot, Continuous Insurance, Student Away At School, Bundling
	Bundling, Safe Driver, Good Student, Vehicle Safety
	Good Student, Bundling, Safe Driving Courses
	Bundling, Homeowner, Vehicle Safety Features

State Farm provides discounts for vehicle safety features and multi-policies, encouraging both safety and efficiency. Farmers also offer multi-policy and good student discounts, recognizing customers for bundling their insurance and for their academic success.

Meanwhile, Geico offers discounts tailored for military members and safe drivers with an appreciation of the hurdles faced by both groups. At the same time, Liberty Mutual incentivizes drivers who use environmentally friendly cars as well as those who drive new cars embracing clean and responsible practices.

Taking advantage of these discounts is more than just saving money. Here are some other ways in which auto insurance costs can be lowered:

• Low Mileage Discount: Insurance companies provide savings for drivers who travel fewer than 7,500 miles annually, since less time on the road means a lower chance of accidents.
• Bundling Discounts: Get more value from your insurance by covering multiple vehicles or combining different policies under one plan. It’s a practical way to ease the management burden and also reduce your insurance costs.
• Multi-Policy Discount: If you pair your auto insurance with homeowners and renters insurance, it can unlock additional savings that can benefit you as well as the pleasure of dealing your coverage in one place
• Eco-Friendly Vehicle Discount: Many providers offer discounts to encourage environmentally friendly choices while helping you save on premiums.

When looking for an affordable auto insurance provider in Oxnard, CA, you should aim to find one that best satisfies your insurance needs. Provider should not only meet your coverage requirements but also align with your budget.

Factors Influencing Auto Insurance in Oxnard, CA

Living in Oxnard, like other parts of California, brings a few specific factors that can influence car insurance rates. That’s why it’s helpful for residents to understand these elements early on to find the right coverage for their needs.

Oxnard’s temperate coastal climate produces minimal weather-related risks, positively influencing insurance premiums, which is one factor that affects your car insurance premium.

Fewer severe weather events mean drivers are less likely to file weather damage claims. Here’s a summary of the key factors that affect insurance premiums in Oxnard:

Oxnard, California Report Card: Auto Insurance Premiums

Average claim sizes are moderate due to California’s labor costs, and the lower accident rate helps manage them. In addition, here’s an overview of accident and claim statistics specific to Oxnard:

Oxnard, California Auto Accident & Insurance Claim Statistics

Vehicle theft is slightly above the national average but lower than in Los Angeles, impacting insurance rates. Traffic in and around Oxnard is generally moderate, and the rush hour traffic congestion during peak hours is not that profound when compared with other bigger cities.

Nevertheless, due to a higher percentage of uninsured motorists in the region, the necessity of selecting sufficient liability coverage for enhanced safety cannot be overemphasized.

They are considering weather risks, claim sizes, theft rates, traffic conditions, and uninsured driver percentages so Oxnard residents can choose the best auto insurance that meets their needs.

Ultimate Guide to Auto Insurance in Oxnard, CA

Finding the right auto insurance in Oxnard, CA, means striking a balance between coverage, affordability, and good customer service.

Every driver has different needs—whether it’s liability-only protection, full coverage, or discounts for safe driving—so it’s important to figure out what matters most to you. Familiarizing yourself with the various types of coverage will enable you to make more informed choices.

Comparing quotes from well-known providers like State Farm, Progressive, and Geico can point you in the right direction. These companies offer a variety of plans, making it easier to find one that suits your budget and driving habits.

Reading customer reviews and checking out how each company handles claims can also give you a better sense of which insurer will be the most reliable when it counts. With careful research and thoughtful planning, Oxnard drivers can find cheap auto insurance. that not only fits their budget but also provides the protection and peace of mind they need on the road

Explore your auto insurance options by entering your ZIP code into our free comparison tool below today.