Oxnard drivers can compare car insurance quotes from multiple California carriers with A1, whether you commute on US-101 or just run errands around town.
How Much Does Car Insurance Cost in Oxnard?
In Oxnard, rates start with your driving record, annual mileage and years of experience, and ZIP code (93030, 93033, 93035 or 93036) can also play a part. Vehicle theft is a local factor too, since Oxnard police logged about 2.5 thefts per thousand residents in 2025, below the state average of 3.2.
| Factor | Oxnard | California |
|---|---|---|
| Average commute | 25 min | 29 min |
| Homes with 2+ cars | 70% | 63% |
| Car thefts per 1,000 | 2.5 | 3.2 |
| ZIP codes | 4 |
Why Oxnard Drivers Compare Quotes With A1
Each carrier weighs those factors differently, so the same Oxnard driver can get quite different quotes from company to company. A1 is independent, so it can line up quotes from several California carriers at once, free of charge.
About Oxnard, California
Oxnard is an incorporated city in Ventura County with about 201,000 residents spread over roughly 26.5 square miles. It sits close to the coast at about 52 feet above sea level. Nearby places include Channel Islands Beach, Port Hueneme, El Rio and Ventura, which is the closest city over 100,000 people at about 5 miles.
- County
- Ventura County
- Population
- 201,014 (Census est.)
- Major routes
- US-101, SR-1, SR-232
Driving in Oxnard: What to Know
Most Oxnard workers drive alone, about 75% compared with 67% statewide, so your own car matters a lot here. The average commute is about 25 minutes, shorter than the state average of 29 and 18th of 24 in Ventura County. US-101, SR-1 and SR-232 run through or near the city, so highway miles can add up if you head to Ventura or Camarillo. About 70% of households have two or more vehicles, which means many families should look at multi-car quotes and think about comprehensive coverage.
State highways through or near Oxnard:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Oxnard
The nearest DMV office is Oxnard DMV at 4050 South Saviers Rd., Oxnard, CA 93033, about 3 miles away.
Nearest DMV: Oxnard
4050 South Saviers Rd., Oxnard, CA 93033
About 3.1 miles from Oxnard
California Car Insurance Rules for Oxnard Drivers
California's minimum liability limits are 30/60/15, which pay for injuries and property damage you cause but not repairs to your own car. Drivers with a clean record may qualify for a Good Driver Discount of at least 20%, and credit scores can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Oxnard ZIP Codes and Nearby Areas
ZIP codes in Oxnard:
Nearby cities and communities:
More About Oxnard
Oxnard sits on a wide, flat coastal plain between the Pacific and fields that stretch toward the mountains, and it mixes beach days with deep farming roots. Don’t miss:
- Beaches and Channel Islands Harbor. Hollywood Beach and Silver Strand Beach are good for sunsets and long walks. The harbor nearby has boat rentals, waterfront dining and a laid-back village feel.
- The California Strawberry Festival. Held each May, this beloved festival celebrates the strawberry fields that surround town, with live music, food booths and plenty of strawberry treats.
- Heritage Square. Restored Victorian houses give a peek at Oxnard's early days, which began with a sugar beet factory in the 1890s that gave the city its name.
- Carnegie Art Museum. Housed in a 1906 library building downtown, this small museum shows works by regional artists and is an easy stop before a stroll through the nearby shops.
Oxnard Car Insurance FAQ
Does my Oxnard ZIP code change my insurance rate?
It can, because ZIP code is an optional rating factor in California. Your driving record, annual mileage and years of experience count more under Prop 103.
Is comprehensive coverage worth it in Oxnard?
Comprehensive covers theft, fire, flood and vandalism, and Oxnard police reported 498 vehicle thefts in 2025. That is a lower rate than the state average, but liability-only still won't pay to fix or replace your own car.
Do I need an SR-22 after a DUI in Oxnard?
Yes, an SR-22 is a form your insurer files with the DMV after a DUI, driving uninsured or a suspension. A1 can compare carriers that offer it, and you can call, text or use the form to start.