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Cheap Car Insurance in Oxnard, California

Learn more about Oxnard to help you find cheap car insurance. With more than 20 miles of beaches, the Southern California City of Oxnard is known as quiet and scenic, a combination of urban development, neighborhoods and harbor areas. Home to an estimated at 208,000, the city is a key manufacturing center of the Los Angeles area. It is also a transportation hub, home to the busy, deep sea commercial Port of Hueneme, a leading U.S. port for autos and fresh produce. Speaking of produce, Oxnard is the state’s largest producer of strawberries, annually hosting the California Strawberry Festival.

Cheap Car Insurance wants to help you get the best car insurance to fit your needs in Oxnard. Come get your free customized auto insurance quote today!

Driving Conditions in Oxnard

U.S. 101 or the Ventura Freeway runs through Oxnard, running northwest to Ventura and Santa Barbara and southeast into Los Angeles. The average commute time for the city is just under 24 minutes, a bit shorter than the U.S. average of 24.8 minutes.

Live traffic cams and maps can be found online at

Unique Laws in Oxnard

California state laws prohibit motorists or cyclists from wearing earphones or earbuds in both ears while driving. Also, Drivers who smoke with a minor in the car can be fined up to $100.

“Pedestrian scrambles” are a series of crisscross, diagonal cross walks that allow pedestrians to cross in any direction, including diagonally, at the same time while signals stop all traffic.

On mountain roads, when two vehicles meet on a steep road where neither vehicle can pass, law dictates that the one facing downhill must yield the right-of-way by backing up until the car going uphill can pass.

Also note that California drivers who smoke with a minor 17 and under in the car can be fined up to $100, according to the California Health and Safety Code.

Oxnard Crime Statistics

Since 2015, both violent and property crime rates in Oxnard are slightly above the national average, according to FBI data. In 2013, when crime rates were well below average, Business Insider ranked Oxnard the 16th safest city in America.

The Oxnard-Thousand Oaks-Ventura metro area had 2,054 cases of auto theft in 2015, according to the National Insurance Crime Bureau, or a rate of 257 incidents per 100,000 people. The national average for the same year was a rate of 220.2 per 100,000 people.

Oxnard Safety Requirements

California requires children younger than 2 to be secured in a rear-facing safety seat, unless he or she is over 40 pounds or at least 40 inches tall. All children under age 8 or less than 4 feet 9 inches tall must ride in a federally-approved restraint system.

As of 2017, drivers may not use a hand-held device while driving even to access GPS; GPS systems must be mounted within the car. Minors may not use cellphones while driving unless in an emergency.

According to the California Office of Traffic Safety, the “Click It Or Ticket” program ensures drivers they will receive a ticket if they or their passengers do not wear safety belts.

Oxnard Impaired Driving Laws

Drivers with a blood alcohol concentration of .08 or higher are charged with driving under the influence, according to the California Department of Motor Vehicles. For those driving vehicles requiring a commercial driver’s license, the BAC is .04, whether they have a CDL or not. The BAC drops to .01 for those under 21 or those on DUI probation. If arrested, a driver may immediately lose his license and be issued a temporary one for 30 days.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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