What You Should Know About Car Insurance in Oxnard, CA

Known as the Strawberry Capital of California, Oxnard lies along the Pacific Coast with miles of beautiful beaches. Oxnard was founded in 1898 on the back of the sugar beet industry, and the city continues to maintain a strong agricultural presence as part of Ventura County’s fertile Oxnard Plain.

Just about 60 miles north of Los Angeles and less than 40 miles from Santa Barbara, Oxnard has a lot to offer on its own. Shop at the Collection at Riverpark, take a boat ride to the famous Channel Islands National Park, and enjoy fresh local produce at one of the many farmer’s markets around town.

With a bustling economy and so much to do around town, Oxnard residents spend a lot of time on local streets. Protect your vehicle from accidents while you are out on the road. Expert agents are waiting to help you find the best auto insurance at the best price in California.

How Much Does Car Insurance Cost in Oxnard, California?

It is a bit more costly to obtain car insurance in California than in other states. On average, yearly premiums for the highest level of protection, known as full coverage, are $2,291, while a state-required minimum liability policy costs an average of $636. This is in contrast to the national average pricing of $2,014 for full coverage and $622 for minimum liability.

Auto Insurance
Ready to Get a Quick Quote?

What Does It Mean If Oxnard, California Is an At-Fault City?

At-fault laws are dictated by individual states. Since California is an at-fault state, Oxnard is subject to the same regulations. In at-fault states, a person who is determined to have caused an incident must pay for the other party’s medical bills and property damages.

In no-fault states, regardless of who is determined to have caused a crash, each party involved in the accident must file personal injury claims with their own insurer and cannot sue the other party. However, there are stipulations for major injuries. Even in a no-fault state, the driver who caused the accident must cover all resulting property damages.

Affordable Car Insurance Rates Comparison by Cities in California

The following chart shows the average policy rates in Oxnard compared to other Californian cities.

City Full Coverage Insurance Liability Insurance Coverage
Oxnard $150 $97
Los Angeles $305 $114
San Diego $179 $61
San Francisco $150 $114
$214 $76

How Bundling Your Car and Homeowners Insurance Can Save You Money in Oxnard

Bundling is when you get more than one type of coverage, such as homeowners insurance and an auto policy from the same insurer. While there are several advantages to bundling your home and auto coverage, the primary benefit is that you can save money. In fact, your rates can potentially be reduced by as much as 25% for each of your policies.

Exactly how much you will save depends on various factors, including the type of policies you are bundling. InsureOne’s expert agents will compare quotes from several carriers and customize a cost-efficient package that will meet your coverage needs.

What Types of Car Insurance Discounts Are Available in Oxnard?

Among other ways of lowering your premiums, insurers offer numerous discounts, each with the potential to reduce your policy costs if you qualify. These are some examples of discounts that might apply to you:

  • Military discount
  • Low mileage discount
  • Student discount
  • Multi-car discount
  • Safe driver discount
Auto Insurance
Ready to Get a Quick Quote?

Notable Car Insurance Laws in Oxnard

Oxnard’s insurance laws fall under the umbrella of California’s requirements. There are no notable local regulations that affect your coverage. Below are some of the laws that affect every municipality in the state.

What Are the Mandatory Car Insurance Requirements in Oxnard?

In the Golden State, every driver must obtain minimum liability coverage before operating a vehicle. Insurers must issue a 15/30/5 policy consisting of at least the following:

  • $15,000 bodily injury protection per person
  • $30,000 bodily injury per accident if multiple people are injured
  • $5,000 for property damage

What Is the Penalty for Driving Without Insurance in Oxnard?

It is illegal to drive if you are uninsured, and without at least a state minimum liability auto policy, you cannot register your vehicle in California. If you have a policy and stop paying your premiums, your insurer will notify the DMV, which will then revoke your registrations.

Drivers caught on the road without car insurance are subject to a fine between $100 to $250 as a first-time offender and between $200 and $500 for a repeat offense. Additionally, your vehicle might be impounded, your license suspended, and you may face additional penalties.

Do Oxnard-Specific Laws Play a Role in Determining Your Insurance Premiums?

Insurers in the Golden State look at many details about you and the vehicle you are insuring before determining your premiums. The following are some examples:

  • Where you live: Every zip code has unique theft and accident rates, and insurers use these to determine their probability of getting hit with a claim.
  • Your driving record: Drivers who do not have any moving violations or accidents on their record pay less than those who do.
  • Your make and model: Every type of vehicle has a different repair or replacement cost, which affects how much a carrier might have to pay if you file a claim.
  • Your deductible amount: If you choose a higher deductible, you might file fewer claims, each costing slightly less for your insurer, so they charge you less for coverage.
  • Your age: New, inexperienced drivers pay the highest rates, which decrease with experience and increase again for drivers who are 55 or 60.
Find an Office Near You

What Happens If I Damage Property in Oxnard?

If you cause an accident in California and other people are involved, you must call 911 immediately in case someone is injured. You will have to file a police report within 24 hours if anyone is hurt. State law also requires you to report to the DMV within 10 days any injuries or damages above $1,000 you cause. You may be subject to penalties, depending on the nature of the accident, and you might also be required to file an SR-22.

Your insurer will assess the police report. If you are at fault, they will employ an adjustor to determine the damages and reimburse the other party up to the limits of your policy. If the total exceeds your coverage limits, you will have to pay the balance out of pocket. After the insurer pays the claim, there is a good chance they will increase your premiums.

At InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs. They will get you top-level carriers who will simplify the claims process for you.

Typical Driving Conditions in Oxnard

Parts of California are subject to flooding, sandstorms, and excessive heat spells. These conditions can affect road conditions and a driver’s state of mind.

Oxnard overall has decent roads and driving conditions. Temperatures do not typically exceed the mid-80s in the summer and do not usually dip much below 40 degrees in the winter. Snow is an unusual occurrence, and there is very little rainfall in Oxnard. The many tourist attractions and hot spots in town do cause congestion sometimes in the city.

How Many Car Accidents Happen in Oxnard Per Year?

According to the California Office of Traffic Safety, 1,490 people were injured or killed in crashes in Oxnard in 2021. Here is how some of the major California cities fared the same year:

City Injuries or Fatalities Resulting from Crashes, 2021
Oxnard 1,490
Los Angeles 11,202
Sacramento 4,296
San Diego 5,056
San Francisco 3,435

How Many Uninsured/Underinsured Motorists Are in Oxnard?

In 2022, California ranked 11th in the country with 17% of motorists lacking car insurance. Washington, D.C., topped the charts at 25.2%, and Wyoming was the lowest, with only 5.9% of its drivers not carrying any auto policy.

These statistics underscore the importance of considering uninsured driver coverage in the Golden State. This would protect you if a driver crashes into you and does not have an adequate policy since your insurer would cover your losses in such instances.

Get Covered by the Best Car Insurance in Oxnard, California, Today

InsureOne has a team of experienced agents who are ready to help you get the best coverage for your needs. We will gather your information and get you several quotes so you can compare prices and coverage options. Stop by one of our offices, call us at (800) 836-2240, or visit our website for a quote.

Auto Insurance Info by City