How much does car insurance cost in Ventura, CA? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Ventura typically pay around $134.73 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
California | $150.67 |
Ventura, California | $134.73 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Ventura coming in around $71.82 per month. Other companies to consider if you live in Ventura is Kemper Auto Premier with an average cost of $98.56 per month and Esurance which typically runs around $112.08 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Ventura.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Direct Auto | $71.82 | -52.33% |
2 | Kemper Auto Premier | $98.56 | -34.59% |
3 | Esurance | $112.08 | -25.62% |
4 | Mercury Insurance Company | $122.71 | -18.56% |
5 | Mercury | $125.68 | -16.59% |
6 | USAA | $129.72 | -13.90% |
7 | SAFECO | $134.92 | -10.45% |
8 | Allstate | $143.02 | -5.08% |
9 | Grange | $143.94 | -4.47% |
10 | Unitrin | $144.59 | -4.04% |
Rates can vary from city to city. The residents of Anaheim typically pay $147.03 per month while people who live in Bakersfield will pay $144.94 per month on average. See what people pay for car insurance in other cities in California.
California Cities | Monthly Average Rate |
---|---|
Anaheim | $147.03 |
Bakersfield | $144.94 |
Fresno | $142.81 |
Long Beach | $154.77 |
Los Angeles | $175.66 |
Oakland | $179.29 |
Pasadena | $146.97 |
Riverside | $147.07 |
Sacramento | $153.60 |
San Bernardino | $153.37 |
San Diego | $133.07 |
San Francisco | $172.74 |
San Jose | $151.60 |
Santa Barbara | $139.47 |
Stockton | $147.63 |
Ventura | $134.73 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Ventura, CA ZIP Code | Average Monthly Rate |
---|---|
93001 | $125.60 |
93003 | $136.83 |
93004 | $145.72 |
91436 | $189.60 |
93454 | $46.08 |
93002 | $97.82 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $161.08 per month in Ventura. Compare that to drivers in their 30’s who typically pay around $120.22 per month drivers in their 40s at $111.65 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
20s | $161.08 |
30s | $147.59 |
60s | $120.22 |
40s | $111.65 |
70+ | $119.03 |
16-19 | $211.14 |
50s | $118.42 |
If you are teen in Ventura you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Kemper Auto Premier typically charges around $57.98 per month. This is likely the most affordable option in Ventura. You might also want to consider Infinity Special and Dairyland Auto who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Kemper Auto Premier | $57.98 |
Infinity Special | $76.31 |
Dairyland Auto | $125.09 |
21st Century | $229.83 |
USAA | $236.62 |
20 year-olds in Ventura might want to consider Direct Auto who, on average, offers car insurance rates around $67.04 per month. Kemper Auto Premier , Mercury Insurance Company , Esurance and USAA are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Direct Auto | $67.04 |
Kemper Auto Premier | $97.93 |
Mercury Insurance Company | $130.84 |
Esurance | $144.66 |
USAA | $153.09 |
If you are in your 30s in Ventura our research has found that Direct Auto typically has the most affordable coverage coming in around $86.31 per month, followed by Kemper Auto Premier at $94.48 and Esurance at $121.03.
Company | Average Monthly Rate |
---|---|
Direct Auto | $86.31 |
Kemper Auto Premier | $94.48 |
Esurance | $121.03 |
Mercury | $125.09 |
USAA | $130.97 |
On average, Direct Auto offers car insurance for 40 year-olds in Ventura for around $61.96 per month. If you are looking for affordable coverage, you may also want to consider Mercury Insurance Company or Kemper Auto Premier. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Direct Auto | $61.96 |
Mercury Insurance Company | $76.79 |
Kemper Auto Premier | $79.98 |
SAFECO | $90.17 |
Esurance | $94.95 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Ventura we found that Dairyland Auto generally offers the most affordable coverage at $49.71 per month.
Company | Average Monthly Rate |
---|---|
Dairyland Auto | $49.71 |
Esurance | $90.38 |
Mercury | $104.07 |
Mercury Insurance Company | $108.26 |
21st Century | $113.88 |
If you live in Ventura and you’re in your 60s, our data indicates that SAFECO usually has the best rates at $60.83 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
SAFECO | $60.83 |
Allied | $67.58 |
21st Century | $95.18 |
Esurance | $95.25 |
Mercury | $108.25 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Ventura, the average monthly rate for a driver who is currently insured is $135.00 while drivers who are not currently covered will pay around $134.42.
Coverage | Average Monthly Rate |
---|---|
Currently Insured | $134.42 |
Not Currently Insured | $135.00 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Ventura a driver of a 2019 Subaru Crosstrek can expect to pay around $146.99 per month while someone that owns a 2019 Nissan Frontier may pay around $116.43 per month. Check out the list of recent quotes in Ventura below.
Vehicle | Average Monthly Rate |
---|---|
2019 Subaru Crosstrek | $146.99 |
2019 Nissan Frontier | $116.43 |
2024 Honda Civic | $96.60 |
2016 Toyota Camry | $269.47 |
2020 Ram 1500 Classic | $144.11 |
2019 Nissan Sentra | $284.08 |
2017 Chevrolet Colorado | $110.80 |
2010 Honda Civic | $386.71 |
2009 Honda Civic | $360.10 |
2013 Nissan Armada | $637.70 |
What Is the Minimum Liability Coverage Requirement in Ventura, CA?
Every state requires drivers to have a minimum amount of liability coverage. California drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In California, you are legally required to obtain something called liability insurance.* This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!
What Is the Blood Alcohol Concentration (BAC) limit in Ventura, CA?
It is illegal for an individual to operate a motor vehicle in California with the following BAC percentages:
What are the chemical test refusal penalties in California?
According to California’s implied consent law, you are only required to take a breath or blood test upon being arrested. However, if you are not arrested and refuse the test, the officer may identify additional probable causes for driving under the influence and arrest you, thus forcing you into taking the test.
Check Out Other Rates in Ventura, CA Nearby Cities:
Commute Time in Ventura, CA
25.2 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Ventura, CA
141 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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