Ventura drivers see a short commute and low theft, so it pays to compare quotes from several California carriers before you renew.
How Much Does Car Insurance Cost in Ventura?
Prop 103 says your driving record, yearly mileage and years of experience count most, and Ventura's commute of about 24 minutes is shorter than the state average of 29. Vehicle theft is also low here at 1.3 per thousand residents, compared with 3.2 across the state, which can help keep one pricing factor in check.
| Factor | Ventura | California |
|---|---|---|
| Average commute | 24 min | 29 min |
| Homes with 2+ cars | 64% | 63% |
| Car thefts per 1,000 | 1.3 | 3.2 |
| ZIP codes | 3 |
Why Ventura Drivers Compare Quotes With A1
Each carrier weighs ZIP code, vehicle and coverage choices a little differently, even within Ventura's 93001, 93003 and 93004. A1 is an independent broker that compares quotes from multiple California carriers, so you can see those differences without filling out forms at each company.
About Ventura, California
Ventura is an incorporated city in Ventura County with about 109,900 residents spread over roughly 22 square miles. It sits low, at around 36 feet above sea level, in Southern California. Oxnard is the nearest city over 100,000 people, about 5 miles away.
- County
- Ventura County
- Population
- 109,900 (Census est.)
- Major routes
- US-101, SR-33, SR-126
Driving in Ventura: What to Know
Most Ventura workers, about 74%, drive alone, which is higher than the state figure of 67%. US-101, SR-33 and SR-126 run through or near the city, so many drivers spend time on highways. About 14% work from home, which can lower your yearly mileage and may matter when you answer quote questions. Around 64% of households have two or more vehicles, so many families insure several cars and may want to compare multi-car pricing.
State highways through or near Ventura:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Ventura
The nearest DMV office is Ventura DMV at 4260 Market St., Ventura, CA 93003, about 1.3 miles away. Traffic tickets are handled by the Superior Court of California, County of Ventura.
Nearest DMV: Ventura
4260 Market St., Ventura, CA 93003
About 1.3 miles from Ventura
California Car Insurance Rules for Ventura Drivers
California's minimum liability is 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage, and it does not cover your own car. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and insurers cannot use your credit score or gender to set rates.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Ventura ZIP Codes and Nearby Areas
ZIP codes in Ventura:
Nearby cities and communities:
More About Ventura
Ventura is a laid-back beach town on the Pacific, with a walkable historic downtown and a harbor that opens onto one of California's wildest island parks. Here’s what locals love:
- Ventura Pier. Stroll out on the pier, which dates to 1872, then head to nearby Surfers Point to watch the waves roll in.
- Mission San Buenaventura. Founded in 1782, it was the last mission established by Junípero Serra and still anchors the historic heart of downtown.
- Main Street. Downtown's main drag is packed with thrift and vintage shops, restaurants and breweries, all an easy walk from the beach.
- Gateway to the Channel Islands. Boats leave from Ventura Harbor for Channel Islands National Park, where you'll find sea caves, kelp forests and great whale watching.
Ventura Car Insurance FAQ
Does a short commute lower my insurance in Ventura?
It can, because annual mileage is one of the top factors insurers must weigh. Ventura's average commute is about 24 minutes, shorter than the state average of 29.
Do I need comprehensive coverage for theft in Ventura?
Ventura police reported 141 vehicle thefts in 2025, or 1.3 per thousand residents. That is well below the state average of 3.2, but comprehensive coverage is still what pays for theft, fire, flood and vandalism.
Where do I go if I need to deal with the DMV or a ticket?
Ventura DMV is at 4260 Market St., about 1.3 miles away. Tickets go through the Superior Court of California, County of Ventura, and after a DUI or a suspension you may need an SR-22 filed by your insurer.