Ventura, CA Car Insurance

What should residents of Ventura expect to pay for their car insurance? How does Ventura compare to the surrounding area and the rest of California? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

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How much is car insurance in Ventura?

The cost of coverage in Ventura is about $9 a month cheaper than it is for the rest of California.

Similarly, when compared to the national average, the cost for auto insurance in Ventura is lower. On average, it's about $34 less to insure your vehicle in Ventura than it is in the rest of the U.S.

While these are the average car insurance rates for Ventura, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

Don't sweat it however, we've broken down average rates for Ventura residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay $35 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement in Ventura.

Average Car Insurance Rates by Gender

Male drivers pay, on average. slightly more than female drivers for auto insurance. The price for car insurance in Ventura, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Your rates can change quite drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Ventura with a single accident on their record will usually see rates around $58 a month. Likewise, drivers with one ticket will be looking at a rate of around $53 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Ventura are usually trucks and vans, with each type typically costing about $41 per month.

Car owners will see a monthly premium of about $48, while SUV owners by and large pay around $46 a month.

Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Ventura, vehicles two-to -three years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

More often than not, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Ventura, with married couples paying about $6 less per month.

Average Car Insurance Rates by Housing Situation

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Ventura, expect to pay around $3 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Ventura, CA

Recent trends in car insurance for Ventura drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.

In Ventura, the rates for car insurance dropped from 2017-2019, before leveling out in 2020. Policy premiums finished up in 2022, at $62 per month

How does Ventura compare to neighboring areas?

Why are car insurance rates in Ventura different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

• Regional laws
• Crime rates
• Number of drivers in the community
• Off-street parking access
• Rate of car accidents

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Ventura?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Enter your ZIP Code below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Ventura.

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Ventura Insurance FAQs

What factors affect car insurance quotes in Ventura?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Ventura different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Ventura?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Ventura?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Ventura or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.