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Auto Insurance in Oxnard, CA (The Complete Guide)

Oxnard StatisticsDetails
City Density8,297 people per square mile
Average Cost of Insurance in Oxnard$4,944.86
Cheapest Car Insurance CompanyProgressive
Road ConditionsPoor share: 48%
Mediocre share: 31%
Fair share: 12%
Good share: 10%
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Welcome to Oxnard! Henry T. Oxnard, founder of American Crystal Sugar Company, established a sugar beet factory in 1897, and the town grew up around the facility. In 1903, Oxnard was incorporated as a California city, and in the years leading up to World War II, the city became strategically important as a seaside port.

Point Mugu and Port Hueneme were established because they were the only navigable points on the coast between Los Angeles and San Francisco, which in turn grew the area into an aerospace and communications locale.

Whether you’ve come to Oxnard to enjoy some of California’s best-kept secret beaches or the annual Strawberry Festival, its location 60 miles west of Los Angeles makes it perfect for quick getaways or the ideal spot to raise a family.

With so many things to do and sights to see in Oxnard, driving can be tricky. Accidents can happen, and that can make your car insurance go up. Are you prepared? Do you have the right coverage for your current lifestyle?

In this complete guide, we are going to show you rates, company comparisons, and other specific factors that make Oxnard such a great place to live.

Ready to search for insurance? Enter your ZIP code for FREE to compare quotes.

Let’s get started.

Table of Contents

The Cost of Car Insurance in Oxnard

The average cost of car insurance in Oxnard is about $4,945 per year. Car insurance rates are based on many factors, including your age, credit history, marital status, and whether you live in Rose Park or closer to Oxnard Shores.

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Oxnard, CA against other top US metro areas’ auto insurance rates.

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In this section, we’re going to show you the specific rates that folks pay for their car insurance in Oxnard based on some of these factors. Of course, these rates are averages, and your rates can be higher or lower, depending on your circumstances.

Does gender and age affect my car insurance in Oxnard?

California is one of seven states that no longer allows gender to be considered when determining the cost of auto insurance. However, age and marital status are still included when making a cost estimate.

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Oxnard. California does use gender, so check out the average monthly auto insurance rates by age and gender in Oxnard, CA.

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According to DataUSA, the mean age in Oxnard is 31 years old. In the table below, check out the rates for eight different categories and see how your rates compare.

CompanySingle 17-year-old femaleSingle 17-year-old maleSingle 25-year-old femaleSingle 25-year-old maleMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old maleAverage
Liberty Mutual$4,715.71$5,046.11$2,435.78$2,469.31$2,169.92$2,045.40$2,031.97$1,962.79$2,859.62
State Farm$6,244.39$7,754.93$3,736.29$3,851.81$3,375.88$3,375.88$3,019.77$3,019.77$4,297.34
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Oxnard, California auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Mature, married drivers enjoy the cheapest rates with Geico and Progressive.

What are the cheapest ZIP codes in Oxnard?

Where you call home in Oxnard can impact how much you pay for car insurance, as well.

Find more info about the monthly Oxnard, CA car insurance rates by ZIP Code below:

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For example, if you live in a neighborhood with high crime rates, odds are you’re going to pay more for your auto insurance than someone who lives in an area where vehicle theft is a rare occurrence.

Check out the table below to see the average car insurance rates based on ZIP code.

ZipAverage Annual Rate
93033 $5,043.07
93035 $4,803.20
93036 $4,928.52
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Residents who live in the 93035 ZIP code area have the cheapest rates in Oxnard.

What’s the best car insurance company in Oxnard?

Who is the best car insurance company in Oxnard?

The cheapest Oxnard, CA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California auto insurance company rates?” We cover that as well.

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The word best can mean different things to different people. In the sections below, we’ll explain what’s considered best, in various categories, to see if it can help you lower your car insurance rates.

Keep reading to learn more.

Cheapest Car Insurance Rates By Company

Many of us are looking for ways to save money, especially in California, where the cost of living is so high. From brown-bagging to work or skipping the line at Starbucks, saving money is a great way to build a nest egg for your family and prepare for the future.

But what about car insurance?

Have you considered comparison shopping for car insurance? Who’s the best? All of the top providers are licensed in Oxnard. For your convenience, we’ve listed those companies and the average annual cost in the table below.

CompanySingle 17-year-old femaleSingle 17-year-old maleSingle 25-year-old femaleSingle 25-year-old maleMarried 35-year-old femaleMarried 35-year-old maleMarried 60-year-old femaleMarried 60-year-old maleAverage
Liberty Mutual$4,715.71$5,046.11$2,435.78$2,469.31$2,169.92$2,045.40$2,031.97$1,962.79$2,859.62
State Farm$6,244.39$7,754.93$3,736.29$3,851.81$3,375.88$3,375.88$3,019.77$3,019.77$4,297.34
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The bad news for Farmers customers is that they have the most expensive rates for teen drivers.

Best Car Insurance for Commute Rates

In California, according to the Federal Highway Administration, drivers average more than 13,414 miles driven each year, which is less than the national average of 14,312. How far do you commute?

Did you know your daily commute has an impact on your car insurance rate?

We partnered with Quadrant Data Solutions to understand the impact of an above-average commute on your insurance. Check out the chart below to see how your commute stacks up against what others pay.

Company10-miles commute / 6,000 annual mileage25-miles commute / 12,000 annual mileageAverage
Liberty Mutual$2,624.05$3,095.19$2,859.62
State Farm$4,139.87$4,454.81$4,297.34
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State Farm and Progressive and have the cheapest rates when it comes to your daily commute, offering savings of $300 and $500, respectively.

Best Car Insurance for Coverage Level Rates

Have you considered that the state minimum coverage in Oxnard is the best way to make sure you and your family are protected in the case of an accident? Sometimes that’s not the case, because the differences in coverage are less than you think.

Your coverage level will play a significant role in your Oxnard, CA auto insurance rates. Find the cheapest Oxnard, California auto insurance rates by coverage level below:

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Check out the table below to see the difference in cost from low to high coverage.

Liberty Mutual$2,646.21$2,885.02$3,047.64$2,859.62
State Farm$3,842.15$4,373.99$4,675.88$4,297.34
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Liberty Mutual will only charge customers around $400 to increase from low to high coverage.

You might ask, what is high or low coverage?

Low coverage is the state-mandated minimum coverage required to drive legally in the state of California. The minimum auto insurance coverage needed in California is:

  • Bodily injury liability: $15,000 for one person
  • Property damage liability: $30,000 per accident
  • Personal injury protection: $5,000 per person

However, you should consider adding important coverages for increased protection.

For high coverage, you can consider increasing your liability limits and opting for the following relevant coverages:

  • Collision
  • Comprehensive
  • MedPay
  • Uninsured/Underinsured Motorist

Best Car Insurance for Credit History Rates

California has banned setting insurance rates based on credit history. Hawaii and Massachusetts have also outlawed the practice.

Best Car Insurance for Driving Record Rates

If you get a speeding ticket, have an accident, or get a DUI, your rates will probably increase in most situations.

Your driving record will affect your {CITY} auto insurance rates. For example, a Oxnard, California DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Oxnard, CA auto insurance rates by driving record.

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The table below shows rates with these three violations compared to the rate for a clean record.

CompanyClean recordWith 1 speeding violationWith 1 accidentWith 1 DUIAverage
Liberty Mutual$2,482.57$2,630.59$3,323.49$3,001.85$2,935.97
State Farm$3,068.38$3,559.94$3,658.26$6,902.78$4,543.14
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If you’re a customer with Liberty Mutual and get a speeding ticket, your rates will increase by less than $200. However, if you get a DUI and have coverage through State Farm, your rates can increase by $4,000.

What are some car insurance factors in Oxnard?

Auto insurance rates are based on more than just the factors listed above. Prices are also determined based on city-specific factors, such as your ZIP code, economic prosperity in your city, and average income levels.

Factors affecting auto insurance rates in Oxnard, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Oxnard, California auto insurance.

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In this section, we’ll discuss how these external factors influence your car insurance rates in Oxnard.

Oxnard Metro Report

How’s the economy doing? Oxnard didn’t make the list as an individual city but is grouped with neighboring cities Thousand Oaks and Ventura.

According to the Brookings Institute, the Oxnard-Thousand Oaks-Ventura area ranked 17th in growth and 61st in prosperity between 2007–2017.

It ranked 96th overall in prosperity.

  • Productivity: -1.2 percent (96th of 100)
  • Standard of living: -0.7 percent (93rd of 100)
  • Average annual wage: -0.3 percent (95th of 100)

It ranked 92nd in growth.

  • Jobs: +0.9 percent (65th of 100)
  • Gross metropolitan product (GMP): -0.3 percent (96th of 100)
  • Jobs at young firms: +1.4 percent (72nd of 100)

What does a healthy economy mean to you as a consumer? For starters, it means car insurance providers are competing for your business, which translates to better rates for you when you set out to purchase your policy.

Median Household Income in Oxnard

According to DataUSA, the median household income in Oxnard is $64,837, while the national median household income is $60,336.

The average cost of car insurance in Oxnard is $4,944.86. This means residents spend an average of about 7.6 percent of their total income on car insurance alone.

If you want to determine how much of your income is going toward your car insurance payment, use our handy calculator tool below.



Homeownership in Oxnard

Homeownership rates can tell us a lot about the general health of local economies, and insurance providers usually charge lower rates to customers that own their own homes.

Homeowners may also qualify for discounts with their insurance companies if they choose to bundle their policies, so be sure to mention this to your agent when purchasing a new home.

In 2017, about 53.5 percent of homes in Oxnard were owner-occupied. If you’re thinking of buying a home in the Oxnard area, you may be interested to know that the median property value is around $390,000.

Education in Oxnard

Higher education is something a lot of us dream about, and being close to colleges and universities can be a determining factor when relocating to a new city. The largest schools of higher learning in Oxnard by degrees awarded are:

  • Oxnard College (1,455 degrees awarded)
  • CET-Oxnard (137 degrees awarded)
  • Modern Beauty Academy (28 degrees awarded)

The most popular majors in the city are liberal arts and biological and physical sciences.

Wage by Race and Ethnicity in Common Jobs

According to DataUSA, Asians are the highest-paid ethnicity in Oxnard, followed by whites and two or more races. The following table lists the average salaries for the demographics mentioned above.

Two or More Races$49,289
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Asian workers are paid more than 1.1 times more than white workers in California.

Wage by Gender in Common Jobs

For every dollar a man earns, a woman earns just 79 cents. Although the wage gap is closing among male and female workers, there is still room for improvement.

According to DataUSA, the average male salary in Oxnard is $72,235, while the average female wage is $57,252.

Poverty by Age and Gender

In Oxnard, 15.6 percent of the city’s population lives below the poverty line, while the national average is 13.4 percent.

Females aged 25-34 are the largest demographic living below the poverty line, followed by females 35-44.

Males in several age groups face similar challenges when it comes to poverty.

Poverty by Race and Ethnicity

Hispanics constitute the largest share (46 percent) of people living below the poverty line. Whites are next in line at 42.6 percent, followed by Other at 4.94 percent.

Employment by Occupations

What about job opportunities in Oxnard? From 2017 to 2018, employment in Oxnard grew at a rate of 2.38 percent, from 95,100 employees to 97,316 employees.

The following occupations are the most common in Oxnard:

  • Farming, fishing, and forestry: 13.3 percent
  • Office and administrative support: 12.8 percent
  • Sales and related occupations: 9.49 percent

The highest-paying jobs in Oxnard are in law enforcement.

Driving in Oxnard

Since Oxnard is only 60 miles from Los Angeles, you might be wondering how bad the traffic is, since the City of Angels has some of the most congested roads in the country.

In this section, we’re going to look at road conditions, crime reports, and other factors car insurance companies use to determine insurance rates.

What are the major roads in Oxnard?

Oxnard is considered part of Greater Los Angeles and is the 19th-most populous city in California. The city is also a major transportation hub for Southern California, and Greyhound, Amtrak, Union Pacific, and MetroLink all have stations in the area.

If you’re new to town, you might find some roads confusing or disorienting. Your GPS wants you to turn left, but somehow, you’ve managed to turn into a dead-end street, and your device goes into “recalculating mode.” It can be very frustrating.

In this section, we’ll cover the highways, interstates, and popular tourist spots to make it easier for you to get around the city.

Major Highways

Twelve major highways run throughout California, covering 2,457.34 miles of roadway.

U.S. Highway 101 runs along the eastern border of Oxnard, while California Highway 1 connects to Hwy 101 in the city. California Route 34 is a major artery that connects the city from the east.

Popular Road Trips/Sites

Residents in Oxnard have easy access to some of southern California’s best destination spots without all of that L.A. congestion. Check out the video below to see what’s happening in Oxnard.

For more fun things to do in Oxnard, check out visitoxnard.com for a thorough roundup that makes the seaside city such a great place to visit.

Road Conditions

The roads in Oxnard are in rough shape, according to the data below. You can always check the CA 511 app for real-time traffic and road closure updates.

We also want to show you specific information about conditions in Oxnard compiled by Tripnet.org. Here’s how the percentages break down:

  • Poor share: 48 percent
  • Mediocre share: 31 percent
  • Fair share: 12 percent
  • Good share: 10 percent

Poor road conditions cost the average Oxnard driver over $852 yearly in vehicle operating costs.

Does Oxnard use speeding or red-light cameras?

California is one of the states that use automated enforcement laws. Also, California is one of three states that consider red-light camera violations to be assessed as moving violations, thus resulting in the accumulation of points on a driver’s license.

The best way to avoid this type of violation is not to run red lights. This could result in fines and points on your record, plus a higher insurance premium.

What types of vehicles are in Oxnard?

Your auto insurance provider will also want to know what car you drive, and your rate might be higher if your make and model is a favorite among thieves. Let’s take a closer look at cars in Oxnard.

Most Popular Vehicles Owned

So, what do people drive in Oxnard? It’s California, where it’s usually sunny and always warm. Is everyone driving around with the top down? Not according to an article by Your Mechanic, which says the Toyota Camry is the most popular vehicle in Oxnard.

This video explains why they’re a favorite of Oxnard residents:

Drivers in Southern California loved the Toyota Camry for its sleek design, technology interface, and fuel economy. The midrange (MSRP starting at $24,428) compact car averages 29 mpg in the city and 41 mpg on the highway. As a four-door sedan, it allows plenty of room for cargo and passengers.

The Camry comes standard with 10 airbags and offer additional safety options such as the Blind Spot Monitor with Real-Time Traffic Alert for an added cost.

How Many Cars Per Household

How many vehicles do you own? In Oxnard, the average household has two vehicles, which is on par with the national average. The second-most common number of vehicles per household is three. If you own more than one vehicle, make sure you ask your insurance provider if they offer a discount for a multi-vehicle policy.

Not everyone in Oxnard owns a vehicle. According to our research, 4.6 percent of residents don’t own a vehicle. If you don’t own a car, that doesn’t necessarily mean you don’t need insurance. Many providers offer non-owner car insurance for people who drive on occasion, even if they don’t personally own a vehicle.

Speed Traps in Oxnard

According to the website Speedtrap.org, residents report that Oxnard has numerous speed traps throughout the city.

If you’re not sure what a speed trap is or how it works, watch the video below.

We mentioned previously that moving violations can have an impact on your car insurance rates and could increase your premium by hundreds of dollars. The best way to avoid a ticket is always to obey posted speed limit signs.

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Vehicle Theft in Oxnard

The Federal Bureau of Investigation (FBI) reports that in 2017, 779 motor vehicle thefts occurred in Oxnard. When considering your next car purchase, one thing to consider is that certain vehicles are stolen more often than others. As previously mentioned, this factor could raise your insurance rates.

Another thing that could impact your car insurance rates is the safety of your neighborhood. The safest communities in Oxnard, according to Neighborhood Scout, are as follows:

  1. El Rio
  2. Hollywood Beach / Hollywood by the Sea
  3. Lombard Street / East Gonzales Road
  4. East Pleasant Valley Road / South Wolff Road
  5. West Gonzales Road / North Ventura Road
  6. Nyland
  7. West 5th St / South Ventura Rd
  8. South Rice Avenue / East Channel Islands Boulevard
  9. East Hueneme Road / Casper Road
  10. Terrace Drive / L

Another statistic NeighborhoodScout looked at is the violent crime index. Oxnard is ranked as being safer than only 17 percent of other cities in the country.

The table below shows the incidents of violent crime in Oxnard, California, in 2018.

Report Total14 67 327 397
Rate Per 1,0000.07 0.32 1.56 1.89
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Regardless of what neighborhood you live in, it’s always a good idea to have extra coverage on your vehicles to protect yourself and your investment.

How is traffic in Oxnard?

Aggressive drivers. Road construction. California has some of the worst traffic in the country. We’ve all been frustrated by these things at one point or another.

It’s the worst. All of us would rather be doing anything else besides wasting time stuck in a traffic jam. So, how’s the traffic in Oxnard?

Traffic Congestion in Oxnard

According to TomTom, Oxnard residents spent 71 hours stuck in congestion in 2019. It ranks as the 323rd-most congested city in the world.

You can stay ahead of traffic by using the CA 511 app or websites like localconditions.com, especially if you need to commute into the downtown area where congestion can be a significant issue.


According to DataUSA, the average commute time in Oxnard is 25 minutes, which is lower than the national average of 25.1 minutes. Additionally, 2.42 percent of Oxnard residents have super commutes of over 90 minutes.

In Oxnard, more than 78.5 percent of commuters drive alone on their daily commute, while 17.7 percent choose to carpool. Around 2.8 percent have no commute at all because they work from home.

Busiest Highways

The busiest highway in Oxnard is Highway 101 at Route 1 South, where tens of thousands of cars pass daily.

How safe are Oxnard streets and roads?

To understand the safety of roads in Oxnard, we can refer to data provided by the National Highway Traffic Safety Administration. However, the data from NHTSA is at the county level. Oxnard is in Ventura County, so we’ll show you data from that county only.

Below are the total crash deaths for Ventura County in 2018:

  • Fatalities (all crashes) = 46 total
  • Fatalities in crashes involving an alcohol-impaired driver (BAC = .08+) = 14
  • Single-vehicle crash fatalities = 25
  • Fatalities in crashes involving speeding = 10
  • Fatalities in crashes involving a roadway departure = 22
  • Fatalities in crashes involving an intersection (or intersection related) = 14
  • Passenger car occupant fatalities = 20
  • Pedestrian fatalities = 12
  • Pedal cyclist fatalities = 1

Total fatalities decreased from 52 in 2017 to 46 deaths in 2018.

Now, let’s look at the number of fatalities by road type and function class in Oxnard.

Interstate (Rural)135
Interstate (Urban)296
Freeway and Expressway459
Other Principal Arterial972
Minor Arterial685
Collector Arterial480
Total Fatal Crashes3,304
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From the data, you can see that more fatalities occurred on urban roadways, which makes sense, as there is generally more traffic and congestion on city streets.

Allstate America’s Best Drivers Report

In 2019, Allstate created a list of the cities where drivers are least likely to get into a car accident. Oxnard drivers are doing pretty well, as the city ranks 55th out of 200 cities.

Needless to say, more accidents equal more insurance claims, and more claims translate to higher premiums.

An average driver in Oxnard files an accident claim every 10.1 years. The national average for years between claims is 10.6.


According to RideGuru, the following rideshare services are available in Oxnard:

  • Uber
  • Taxi

If you’re flying into Oxnard Airport and want a ride to the coast, it will cost between $10-$15 based on which provider you choose.

E-Star® Repair Shops

Has your car broken down, and you’re not sure where to take it? Esurance created the E-Star® repair shop network to make it easier for you to find reputable and top-quality repair shops in your area.

Shop Name AddressContact Information
Caliber - Oxnard
3101 Sturgis Rd
Oxnard CA 93030
email: [email protected]
P: (805) 278-6688
F: (805) 278-7719
Caliber - Ventura6200 King St Ventura CA 93001P: (805) 339-0561
F: (805) 639-0217
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Using one of these recommended shops could save you a great deal of time and money.

What is the weather like in Oxnard?

California is known for having beautiful weather, which is why it’s a popular spot for tourists. So what’s the weather like in Oxnard? Let’s take a look.

  • Annual high temperature: 69 degrees
  • Annual low temperature: 52 degrees
  • Average rainfall: 15.64 inches

Ventura County has been hit with 33 natural disasters, which is considerably higher than the national average of 13. The majority of these disasters (15) have been fires and floods.

Is public transit available in Oxnard?

The Oxnard Transportation Center is the city’s public transportation center where Amtrak and Greyhound have service. Gold Coast Transit operates 21 bus routes throughout western Ventura County. Ventura Intercity Service Transit Authority — VISTA (1-800-438-1112) — provides service to cities along Highway 101.

Bus passes can be purchased at Gold Coast Transit Customer Service, at authorized retail outlets, by mail order, and through the Gold Coast Transit app.

Is other alternate transportation available in Oxnard?

No major bike or scooter rental companies, such as Lime and Bird, currently operate in Oxnard. However, several hotels along the coast do rent bicycles out for visitors to enjoy.

Is parking easy in Oxnard?

Oxnard has 2,800 free on and off-street parking spaces. The city also has a parking structure with 440 parking stalls at 3rd and B streets, which is home to a police community storefront station.

How is the air quality in Oxnard?

A lot of cars on the road means more pollution, which leads to poor air quality. The Environmental Protection Agency (EPA) tracked the air quality in the Oxnard area from 2018. Take a look at the table below.

Ventura County, CA8377616010.224
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Oxnard had 76 moderate air quality days in 2018.


DataUSA figures show that a large population of military personnel in Oxnard served in Vietnam, 1.57 times more than any other conflict. Veterans of the recent Gulf wars follow them.

Here are the military bases located near Oxnard:

  • Naval CBC Port Hueneme
  • Navy United States Department-NCIS
  • U.S. Coast Guard Station Channel Islands

Many insurance companies offer discounts to active duty military personnel, their families, and veterans. Below is a list of known providers who give military discounts. We excluded those who offer military discounts only to certain states.

Military Discounts by Provider
Insurance CompanyPercentage Saved with Discount
Liberty Mutual (must be active duty)4%
USAA60% off when deployed
15% for garaging on base
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Geico offers a 15 percent discount for military personnel.

But who has the cheapest insurance for those serving in the military? According to our data, USAA is generally the cheapest insurance provider for military members in the country. See the table below to see what rates are compared to those not in the military.

GroupAnnual PremiumCompared to State Average (+/-)Compared to State Average (%)
Liberty Mutual$3034.42-$654.51-0.1774
State Farm$4202.28$513.350.1392
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USAA has the cheapest rates for military personnel, followed by Geico.

Unique City Laws

If you’re new to Oxnard, there may be some laws you’re unfamiliar with. Here are some other laws that may help you navigate around the city:

  • Handheld devices: It is illegal in California to text or operate a phone while driving. As a primary enforcement law, police officers can pull you over if you are seen texting or talking on the telephone.
  • Food trucks: Food trucks are regulated by the city of Oxnard. Vendors must purchase liability and commercial auto insurance to operate legally.
  • Tiny homes: A tiny house is often considered a mobile home and must comply with the same laws. Oxnard city codes include standards for manufactured homes and limits on the location and parking of mobile homes or recreational vehicles.
  • Parking laws: In Oxnard, no car can remain on a city street for over 72 hours. If it is to remain on the street, it must be moved 150 feet.

Oxnard Car Insurance FAQs

Still have a few questions? Let’s see if we can answer them.

How much is auto insurance in Oxnard?

The average cost of car insurance in Oxnard is $4,945. However, your exact rate will depend on many factors, including your driving record, credit score, coverage level, and demographic details.

Are red-light cameras used in Oxnard?

Red-light cameras are allowed in Oxnard and treated the same as other moving violations.

Is it expensive to live in Oxnard?

According to a study by Sperling’s Best Places, the cost of living in Oxnard is higher than the national average.

The median home price in Oxnard is $309,100.

Which company offers the cheapest car insurance in Oxnard?

USAA is the cheapest insurance carrier in Oxnard, followed by State Farm. The average premium from USAA is $2,619 per year, while Progressive charges an average of $2,677. Remember, USAA only services members of the military and their families.

What is the minimum car insurance required in California?

The minimum coverage required to drive legally in California is:

  • $15,000 for bodily injury or death of one person in an accident the owner of the insured vehicle caused
  • $30,000 for total bodily injury or fatality in an accident the owner of the insured vehicle caused
  • $5,000 for property damage per accident the owner of the insured vehicle caused

What else do I need to know about Oxnard?

Oxnard is a seaside city located on California’s Gold Coast. It’s an agriculture hotspot known for strawberries and as the lima bean capital of the world. Its location on the West Coast provides easy access to many vacation destinations throughout the southwest.

What part of this guide was the most helpful? Was there something we could explain better so that you can make a more informed car insurance decision?

If you’re ready to find the best car insurance rates in Oxnard for you and your family, enter your ZIP code to get started.


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  14. https://www.speedtrap.org/california/oxnard/
  15. https://www.neighborhoodscout.com/ca/oxnard/crime
  16. https://www.tomtom.com/en_gb/traffic-index/oxnard-thousand-oaks-ventura-traffic#statistics
  17. https://www.allstate.com/americas-best-drivers/index.htm
  18. http://www.goldcoasttransit.org/support/faqs
  19. https://www.li.me/
  20. https://www.bird.co/
  21. https://www.epa.gov/outdoor-air-quality-data/air-quality-index-report

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