Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Oxnard

Our Recommended Top 8

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Oxnard Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

125

Reviewed

78

Curated

8

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
2219 E Thousand Oaks Boulevard, Thousand Oaks, CA 91362
  • Multiple Carriers
  • Motorcyle & ATV
  • Boats
  • RV & Motorhome

Why choose this provider?

Kehl Insurance Services is an independent car insurance provider that serves Oxnard and the entire state of California. Representing multiple companies, the agency is dedicated to providing different options to clients that will suit their needs and lifestyle. Its auto insurance policies include coverage for collisions, comprehensive risks, liabilities, and personal injuries protection. Drivers and vehicle owners also have the option to include additional coverage such as rental reimbursements and towing services.

License Verified:

License: 0E08610

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (12)
Google
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2829 Townsgate Road, Westlake Village, CA 91361
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Founded in 1981, Integrity First Insurance Services, Corp. offers auto insurance options and products to individuals in Oxnard. The business creates personalized auto insurance plans to protect clients and their vehicles from theft, fire, and car accidents. Its agents also offer GAP coverage, rental car benefits, medical expenses, and liabilities. Owner Jayson Mayling and his team have partnered with Dave Ramsay, one of America's most well-known financial advisors. The company works with him to give financial and insurance solutions to customers.

License Verified:

License: 0616379

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Yelp
4.5 / 5 (9)
Google
5.0 / 5 (4)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
344 South 5th Street, Oxnard, CA 93030
  • Bundling Option
  • Boats

Why choose this provider?

Smart Buy Insurance Center is a team of agents based in Oxnard. Included in the areas they handle is auto insurance. The professionals create insurance policies that may include collision, comprehensive, liability, and uninsured motorist coverage. They can also furnish protection plans for owners of classic and antique cars. Smart Buy Insurance Center is a family-operated business that has been in service for more than two decades. Its team has a combined industry experience of over 60 years.

License Verified:

License: 0G83993

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
5.0 / 5 (4)
Yelp
5.0 / 5 (4)
Facebook
4.3 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
––
Detail

Website
3525 Old Conejo Road, Thousand Oaks, CA 91320
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Thousand Oaks Insurance Agency is an independent insurance provider serving the people of Oxnard and the entire state of California. Its professional agents work with a wide range of reputable carriers to help motorists find insurance policies that will protect them in the event of an automotive emergency. They ensure that clients are provided with the maximum benefit and protection that match their needs and preferences. Thousand Oaks Insurance Agency also insures other vehicles, such as motorcycles, boats, and RVs.

License Verified:

License: 0D73802

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (116)
Yelp
5.0 / 5 (19)
Facebook
4.4 / 5 (17)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2535 Townsgate Road, Westlake Village, CA 91361

Why choose this provider?

Vahan Grigoryan is a State Farm insurance agent that serves clients in and around Oxnard. He provides auto insurance plans to protect cars from damage caused by weather, criminal acts, or collision. He meets with clients either in-person or virtually to discuss their concerns, including paperwork and policy change requests. He also helps them pick out specific coverages for their car, such as hail damage. Vahan's office is wheelchair-accessible and caters to clients that speak Spanish, Armenian, or Russian.

License Verified:

License: 0F22222

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
99 Long Court, Thousand Oaks, CA 91360
  • Multiple Carriers
  • RV & Motorhome

Why choose this provider?

ISU Insurance Services - The F & I Agency is an independent insurance agency located in Thousand Oaks that services the Oxnard metro and nearby areas. The agency in its current form was established in 1986 and in 2003 joined ISU, the largest franchise organization for independent insurance agencies. The company writes auto insurance policies for clients that cover unexpected financial losses caused by collisions, traffic accidents, natural disasters, and other uncontrolled damages.

License Verified:

License: 0600531

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1000 Town Center Drive, Oxnard, CA 93036
  • Bundling Option

Why choose this provider?

Vista West Insurance Services is an independent car insurance agency located in Oxnard. It offers a line of insurance for vehicles such as motorcycles, cars, watercraft, and antique cars. Aside from covering medical payments and liabilities, the company also offers roadside assistance and rental reimbursement coverage. It partners with carriers such as the Berkshire Hathaway Homestate Companies and Bristol West Insurance Group. The company is driven to give its clients a positive experience and educate them on the options that best fit their needs.

License Verified:

License: 0I66851

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Facebook
5.0 / 5 (6)
Yelp
4.0 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.0
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
25 West Rolling Oaks Drive, Thousand Oaks, CA 91361
  • Multiple Carriers
  • Motorcyle & ATV

Why choose this provider?

Weeks & Associates Insurance Services help individuals acquire car insurance protection beyond the state-mandated minimum. Its agents assist clients in adhering to the minimum amount of insurance required by the California law for auto owners and offer additional coverage that will provide more benefits in case of more costly accidents. They work with clients to find suitable plans from the 20 insurance carriers they represent. Since 1982, the company has been focused on building long-term clients near Oxnard.

License Verified:

License: 0G58193

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (4)
Yelp
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Are there minimum car insurance requirements in Oxnard?

    Yes, there are minimum car insurance requirements in Oxnard because it is under an "at-fault" state. Drivers at fault who have been involved in an accident need to pay their own medical bills and property damage. They must carry minimum liability coverage, including $5,000 per accident for property damage liability, $15,000 per person for bodily injury liability, and $30,000 for bodily injury liability.

  • What is the average rate of car insurance in Oxnard?

    In Oxnard, the average rate of car insurance depends on the liability coverage. If drivers purchase minimum coverage liability insurance, they pay $89 per month, and if they have full coverage insurance, they pay $148 per month. However, insurance premiums still depend on drivers' type of vehicle, age, marital status, and driving records and claims history.

  • What are the possible penalties for driving without car insurance in Oxnard?

    Drivers in Oxnard who are caught using vehicles without car insurance will pay fines. For first-time offenders, they will pay a minimum fine of $100, and for second-time offenders, they will pay higher fees and face assessments. Drivers need to be aware that every fine comes with a penalty assessment that adds a certain amount to the fine per $10, depending on the penalty code used.

  • Can you purchase car insurance if you have a DUI record in Oxnard?

    Yes, you can still purchase car insurance if you have a DUI record in Oxnard. However, it can affect your insurance premium. Your record can make the rate of your insurance higher by hundreds of dollars each year. In some cases, insurance companies do not insure individuals who have multiple DUI violations.

  • If someone breaks the door of your vehicle, can your car insurance in Oxnard cover the damage?

    Yes, your comprehensive coverage in your car insurance in Oxnard can cover the damage if someone breaks the door of your vehicle. However, keep in mind that you need to pay the deductible at the time of the insurance claim. Comprehensive coverage also pays for damage resulting from vandalism, civil commotion, and accidents involving animals.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.