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Get Cheap Car Insurance in El Rio, Oxnard, CA
We monitor insurance prices, helping the average driver in El Rio save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in El Rio
The chart below shows the cheapest car insurance company in El Rio for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| El Rio Insurer | Monthly Cost |
|---|---|
| Metromile | $54 |
| Geico | $60 |
| Progressive | $65 |
| Travelers | $67 |
Savings for Every Kind of El Rio Driver
Based on our extensive insurance data, we know the average El Rio driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $682 per year by choosing the right vehicle insurance company. Some El Rio residents are paying out over $2,133 extra every year for auto insurance in El Rio. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
El Rio, Oxnard, CA Savings / Yr. |
|---|---|
$682 |
|
$1,249 |
|
$988 |
|
$1,736 |
|
$891 |
|
$387 |
|
$0 |
El Rio Car Insurance vs. Oxnard
People living in El Rio pay an average of 6.22% more than the typical driver in the state. The average driver in El Rio can expect to pay about $998 per year, or $2,133 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in El Rio for most people.
Car Insurance Prices by El Rio Neighborhood
Insurance Prices
Where is insurance cheapest within El Rio?
The map shows insurance prices in and around El Rio, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $148 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,199 to a low of $2,051. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of El Rio.Pick the Best Car Insurance Company for You in El Rio
The best car insurance provider for most drivers in El Rio
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $682 over the average El Rio car insurance company.
The best car insurance provider for El Rio drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,249 over the competition.
The best car insurance company for El Rio drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $988 better than other car insurance companies.
The best auto insurance for El Rio drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,736 less each year.
The least expensive car insurance company for new and young drivers in El Rio
In El Rio, State Farm costs young drivers $891 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in El Rio
Progressive gave the largest car insurance discounts to married couples, averaging $387 saved each year compared to an average El Rio couple's premiums.
The cheapest car insurance in El Rio for drivers with bad credit
The best El Rio car insurance company for customer service
Recent price drops
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The cheapest large national provider in El Rio
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average El Rio driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In El Rio, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around El Rio
What Influences the Cost of Car Insurance in El Rio?
On average, car insurance in El Rio is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in El Rio are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- El Rio is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in El Rio is $83 per month for minimum coverage and $178 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Rio Lindo: Insurance costs 0.98% less
- Town Center: Insurance costs 3.38% less
- South Bank: Insurance costs 0.89% more
- Orchard: Insurance costs 0.80% less
- East Village Oxnard: Insurance costs 2.86% less
- West Village: Insurance costs 0.94% more
- Sierra Linda: Insurance costs 4.97% more
- Carriage Square: Insurance costs 3.75% more
- La Colonia: Insurance costs 5.02% more
- Wilson: Insurance costs 6.61% more
Neighborhoods with Similar Populations
- South Alum Creek: Insurance costs 42.66% less
- Harwood Lane: Insurance costs 33.52% less
- Highlands Park: Insurance costs 19.83% less
- Indian Hill: Insurance costs 14.58% less
- Kamala Park: Insurance costs 4.13% more
- Kendrick Lake: Insurance costs 5.34% less
- Lake Balboa: Insurance costs 21.52% more
- Lower Beaver: Insurance costs 36.52% less
- Magnolia Place: Insurance costs 8.25% less
- Ballast Point: Insurance costs 28.97% more