For a 40-year-old driver with a clean record, car insurance across all 22 ZIP codes we price in Ventura County, including Oxnard, Thousand Oaks and Ventura, averages about $317 a month ($3,807 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the California average of $332 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, Auto Club of Southern California, Farmers, GEICO and State Farm), at about $185 a month.
The three cities in this guide’s name are priced differently for our benchmark driver: Ventura averages about $291 a month for full coverage, Oxnard $319 and Thousand Oaks $337. Ventura County as a whole is about $15 a month below the statewide average on our California car insurance rates page.
We price 22 ZIP codes in the county, from about $288 a month in 93003 to $361 in 91377.
Cost data comes from the auto rates insurers file with state regulators, priced across the 22 Ventura County ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Oxnard–Thousand Oaks–Ventura, CA?
Full coverage in Oxnard–Thousand Oaks–Ventura averages $3,807 a year, or about $317 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,505 a year ($125 a month), and 50/100/50 liability with comprehensive and collision averages $3,500 ($292 a month).
- Full coverage (100/300/100, $500 deductibles): $3,807 a year ($317 a month)
- 50/100/50 with $500 deductibles: $3,500 a year ($292 a month)
- Liability only (15/30/5): $1,505 a year ($125 a month)
- Ventura County: $3,807 a year ($317 a month) for full coverage
- California average: $3,979 a year ($332 a month) for full coverage
- ZIP code range: $288 (93003) to $361 (91377) a month for full coverage
Cheap Car Insurance in Oxnard–Thousand Oaks–Ventura: Companies Compared
- Lowest average in our data, full coverage: GEICO, at about $185 a month ($2,223 a year).
- Next lowest among the five major insurers we compared: Auto Club of Southern California, at about $285 a month, then State Farm at $305.
- Liability only (15/30/5): about $55 to $181 a month across the five insurers.
- Also on our list: USAA at about $199 a month, Mercury at $229, Progressive at $234, Travelers at $311 and Nationwide at $323 (USAA sells only to military families).
- Most expensive in our data: Allstate and Farmers, effectively tied at about $406 and $405 a month.
GEICO has the lowest full-coverage average among the five insurers in our Oxnard–Thousand Oaks–Ventura rate data. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families, and a sixth ties GEICO with Progressive. That’s why we name GEICO, though its lead in our data is wider than in those studies. For liability-only coverage at 15/30/5 limits, averages run from about $55 to $181 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Oxnard–Thousand Oaks–Ventura
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $661 | $55 | $2,223 | $185 |
| Auto Club of Southern California | $1,213 | $101 | $3,420 | $285 |
| State Farm | $1,569 | $131 | $3,663 | $305 |
| Farmers | $1,916 | $160 | $4,860 | $405 |
| Allstate | $2,168 | $181 | $4,868 | $406 |
| USAA (military families)* | $1,004 | $84 | $2,393 | $199 |
| Mercury Insurance* | $1,225 | $102 | $2,743 | $229 |
| Progressive* | $1,093 | $91 | $2,809 | $234 |
| Travelers* | $1,778 | $148 | $3,735 | $311 |
| Nationwide* | $1,658 | $138 | $3,876 | $323 |
| Oxnard–Thousand Oaks–Ventura average | $1,505 | $125 | $3,807 | $317 |
This table uses Ventura County ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Oxnard–Thousand Oaks–Ventura Car Insurance Rates by ZIP Code
Across the 22 ZIP codes we price in Ventura County, full coverage for our driver ranges from about $288 a month in 93003 to $361 in 91377, a gap of $874 a year. Ventura’s 93003 and 93004 and Ojai’s 93023 are the least expensive ZIP codes in our data, and the east county ZIP codes near the Los Angeles County line, Westlake Village’s 91361, Thousand Oaks’ 91362 and Oak Park’s 91377, the most expensive. In Oxnard, 93036 averages about $318 a month and 93033, on the south side, $329.
Lowest-priced Oxnard–Thousand Oaks–Ventura ZIP codes
Highest-priced Oxnard–Thousand Oaks–Ventura ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below the area average.
| ZIP Code: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. Area Average: |
|---|---|---|---|---|---|
| 91320 | $1,597 | $133 | $3,895 | $325 | +3% |
| 91360 | $1,578 | $132 | $3,890 | $324 | +2% |
| 91361 | $1,681 | $140 | $4,202 | $350 | +10% |
| 91362 | $1,697 | $141 | $4,204 | $350 | +10% |
| 91377 | $1,791 | $149 | $4,326 | $361 | +14% |
| 93001 | $1,387 | $116 | $3,533 | $294 | -7% |
| 93003 | $1,367 | $114 | $3,452 | $288 | -9% |
| 93004 | $1,379 | $115 | $3,477 | $290 | -9% |
| 93010 | $1,509 | $126 | $3,772 | $314 | -1% |
| 93012 | $1,511 | $126 | $3,711 | $309 | -3% |
| 93015 | $1,447 | $121 | $3,755 | $313 | -1% |
| 93021 | $1,555 | $130 | $3,877 | $323 | +2% |
| 93022 | $1,366 | $114 | $3,512 | $293 | -8% |
| 93023 | $1,262 | $105 | $3,479 | $290 | -9% |
| 93030 | $1,430 | $119 | $3,759 | $313 | -1% |
| 93033 | $1,540 | $128 | $3,944 | $329 | +4% |
| 93035 | $1,464 | $122 | $3,773 | $314 | -1% |
| 93036 | $1,499 | $125 | $3,821 | $318 | About average |
| 93041 | $1,418 | $118 | $3,753 | $313 | -1% |
| 93060 | $1,308 | $109 | $3,507 | $292 | -8% |
| 93063 | $1,685 | $140 | $4,092 | $341 | +8% |
| 93065 | $1,640 | $137 | $4,020 | $335 | +6% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Oxnard–Thousand Oaks–Ventura?
Raising liability limits from 50/100/50 to 100/300/100 adds about $307 a year on average in our Oxnard–Thousand Oaks–Ventura data, with the same $500 deductibles. That’s about $26 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Is Car Insurance Going Up in Oxnard–Thousand Oaks–Ventura?
For our benchmark driver, full coverage isn’t going up. Comparing the four insurers that are in both sets of rates, in the same Oxnard–Thousand Oaks–Ventura ZIP codes, their full-coverage average fell from $3,645 a year nine months earlier to $3,544 in rates as of Aug. 31, 2026, a 2.8% drop. State Farm cut its Oxnard–Thousand Oaks–Ventura average 10.0%, while Allstate’s, Auto Club of Southern California’s and GEICO’s averages were unchanged. Farmers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Oxnard–Thousand Oaks–Ventura average above. Liability-only coverage at 15/30/5 limits rose 6.1%, led by State Farm, which raised its liability-only average 25.7%.
Where Car Insurance Costs Most in Ventura County
Ventura County averages about $317 a month for full coverage, the seventh-most expensive of the 55 California counties we price: less than Los Angeles County, to the east, at $420, and more than Santa Barbara County, to the northwest, at $277.
Prices climb toward the Los Angeles County line. Ojai averages about $290 a month, Ventura $291 and Santa Paula $292, while Simi Valley, Westlake Village and Oak Park, next to Los Angeles County, average $338, $350 and $361. California insurers price by location as well as by driver and car, so your ZIP code can move your price.
Ventura County Car Insurance Rates by City
Across the 14 cities and towns we price in Ventura County, full coverage runs from about $290 a month in Ojai to $361 in Oak Park. Camarillo averages $312, Newbury Park $325, Moorpark $323 and Port Hueneme $313.
| City or Town: | ZIP Codes in Our Data: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Oak Park | 1 | $1,791 | $149 | $4,326 | $361 |
| Westlake Village | 1 | $1,681 | $140 | $4,202 | $350 |
| Simi Valley | 2 | $1,663 | $139 | $4,056 | $338 |
| Thousand Oaks | 2 | $1,638 | $137 | $4,047 | $337 |
| Newbury Park | 1 | $1,597 | $133 | $3,895 | $325 |
| Moorpark | 1 | $1,555 | $130 | $3,877 | $323 |
| Oxnard | 4 | $1,483 | $124 | $3,824 | $319 |
| Fillmore | 1 | $1,447 | $121 | $3,755 | $313 |
| Port Hueneme | 1 | $1,418 | $118 | $3,753 | $313 |
| Camarillo | 2 | $1,510 | $126 | $3,741 | $312 |
| Oak View | 1 | $1,366 | $114 | $3,512 | $293 |
| Santa Paula | 1 | $1,308 | $109 | $3,507 | $292 |
| Ventura | 3 | $1,378 | $115 | $3,488 | $291 |
| Ojai | 1 | $1,262 | $105 | $3,479 | $290 |
| Ventura County average | 22 | $1,505 | $125 | $3,807 | $317 |
| California average | 1121 | $1,460 | $122 | $3,979 | $332 |
How Oxnard–Thousand Oaks–Ventura Car Insurance Compares With Other California Cities
More California cities and towns are in the California rates by city table, and you can compare states on our car insurance rates by state page.
Santa Clarita, about 40 miles northeast, averages $344 a month, and Los Angeles, about 55 miles east, $476. Up the coast, San Luis Obispo–Paso Robles, which covers San Luis Obispo County, averages $261.
What Car Insurance Is Required in Oxnard–Thousand Oaks–Ventura?
Drivers in Oxnard–Thousand Oaks–Ventura follow California’s rules. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least:
- Bodily injury liability of $30,000 per person and $60,000 per crash
- Property damage liability of $15,000 per crash
Our California requirements guide covers uninsured motorist coverage, proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Oxnard–Thousand Oaks–Ventura
- Compare GEICO and Auto Club of Southern California first. They have the two lowest full-coverage averages among the five major insurers we compared in Oxnard–Thousand Oaks–Ventura, about $185 and $285 a month.
- Quote several insurers. In our Oxnard–Thousand Oaks–Ventura data, the lowest and highest insurer averages are about $221 a month apart for the same driver and car.
- Check that you get the Good Driver discount. If you’ve been licensed for at least three years in a row and have no more than one point on your record, California law requires your rate to be at least 20% lower than a non-Good Driver’s, according to the California Department of Insurance.
- Compare at every renewal. Over the past nine months, State Farm has cut its Oxnard–Thousand Oaks–Ventura average 10.0%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in California, then compare free home insurance quotes.
Ready to compare
How We Calculated Oxnard–Thousand Oaks–Ventura Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 110 full-coverage premiums from five insurers across all 22 ZIP codes we price in Ventura County, plus the same number of liability-only and 50/100/50 premiums.
- Area: this page covers all 22 ZIP codes we price in Ventura County, including Oxnard, Thousand Oaks, Ventura, Simi Valley, Camarillo and Moorpark.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 15/30/5 limits, with 15/30 uninsured motorist coverage and no comprehensive or collision. California’s minimum has been 30/60/15 since Jan. 1, 2025, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. In Oxnard–Thousand Oaks–Ventura, GEICO’s full-coverage average is 35% below Auto Club of Southern California’s, a wider lead than that, but we name GEICO because most of the published 2026 statewide California rate studies we reviewed also rank it cheapest. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. Farmers is new in our rates since November 2025, so it’s left out of rate-change comparisons; the other four insurers, Allstate, Auto Club of Southern California, GEICO and State Farm, are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 California rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from California law and the California Department of Insurance. We refresh these figures when new rate data is released.
Oxnard–Thousand Oaks–Ventura Car Insurance FAQ
For our benchmark driver, full coverage in Oxnard–Thousand Oaks–Ventura averages about $317 a month ($3,807 a year) and liability-only coverage at 15/30/5 limits about $125 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% below the California average of $332 a month.
GEICO has the lowest full-coverage average in our Oxnard–Thousand Oaks–Ventura rate data, at about $185 a month, followed by Auto Club of Southern California at $285 among the five major insurers we compared. For liability-only coverage at 15/30/5 limits, averages run from about $55 to $181 a month. Five of the eight published 2026 statewide California rate studies we reviewed also rank GEICO cheapest for full coverage, apart from USAA, and a sixth ties GEICO with Progressive. Rates vary by driver, so compare quotes for your own car and ZIP code.
Ventura, for our benchmark driver. Full coverage averages about $291 a month in Ventura, $319 in Oxnard and $337 in Thousand Oaks, so Thousand Oaks costs about $46 a month more than Ventura for the same driver and car. GEICO has the lowest full-coverage average in all three.
In our data, 93003 has the lowest full-coverage average in Oxnard–Thousand Oaks–Ventura, at about $288 a month, and 91377 the highest, at about $361. The ZIP code table on this page lists all 22.
In our Oxnard–Thousand Oaks–Ventura data, full coverage (100/300/100 with $500 deductibles) averages about $317 a month and liability-only coverage at 15/30/5 limits about $125, a difference of about $192 a month ($2,302 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. California law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the four insurers in both sets of rates (Farmers is new over the past nine months), their Oxnard–Thousand Oaks–Ventura full-coverage average fell 2.8%, from about $3,645 to $3,544 a year. That’s lower than the Oxnard–Thousand Oaks–Ventura average of $3,807 because it leaves out Farmers. State Farm cut its Oxnard–Thousand Oaks–Ventura average 10.0%. Liability-only coverage at 15/30/5 limits rose 6.1%.
For our benchmark driver, full coverage in Oxnard–Thousand Oaks–Ventura averages about $317 a month. Nearby, Santa Clarita averages about $344, Los Angeles about $476 and Long Beach about $358. Oxnard–Thousand Oaks–Ventura is the least expensive of these; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
