Oxnard Insurance Rates:

Oxnard, CA home insurance is nearly $528 to $715, about $44-$59/month. Our extensive analysis reveals consumers can save upto $248 by comparing different quotes

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Oxnard Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $100/2 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $285,000

2 Beds, 2 Bath 1530 sqft Vacation Property Constructed In 2013 with Wood Flooring, Wood Shake Roof, Chainwall Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Fire Extinguisher, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

56 Years old Married Male who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $520/6 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $465,000

4 Beds, 4 Bath 2770 sqft Seasonal Residence Constructed In 1968 with Ceramic Tile Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Indoor Sprinklers, Swimming Pool, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $240/8 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $260,000

2 Beds, 2 Bath 1340 sqft Vacation Property Constructed In 2010 with Linoleum, Asphalt Shingles Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

44 Years old Married Male who is Unemployed with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $90/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

3 Beds, 3 Bath 1480 sqft Seasonal Residence Constructed In 1974 with Linoleum, Tile Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

71 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $620/9 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $325,000

3 Beds, 3 Bath 2210 sqft Primary Residence Constructed In 1970 with Stone Flooring, Metal Roof, Chainwall Foundation, Vinyl siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Divorced Female who is Unemployed and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Home Insurance Rate of $120/1 month for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $400,000

3 Beds, 3 Baths 2010 sqft Primary Residence Constructed In 1990 with Linoleum, Wood Shake Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Divorced Male who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $760/6 months for $400,000-$500,000 Coverage
Policy Holder Home Details :

Home Value : $440,000

3 Beds, 3 Baths 1762 sqft Primary Residence Constructed In 2007 with Stone Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Stucco Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

30 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 750-799 Credit Score

Oxnard, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
93035 $413,600 $640
93030 $366,500 $630
93033 $274,100 $620

Oxnard Rates & Quotes Analysis:

Oxnard Area Estimated House Insurance
Lanyard Way, King St, Clover Dr, Cleveland Dr, Dunes Cir, M St, Little Farms Rd, San Mateo Pl, Dunsmuir St, Arcadian Shores Trl$610
E 1st St, S M St, W Hueneme Rd, Sycamore St, Gracia Dr, Gloriosa Ct, Terrier St, Dock Rd, E Date St, Napoli Dr$602
Lavanda Dr, N Garfield Ave, Olga St, Saratoga St, el Greco Dr, E Thompson Blvd, Conner Dr, E Bard Rd, Seashore Ct, Talos Ave$629
Junewood Ct, Vessel Way, Yucca St, Diaz Ave, Ivory Way, Borrego Way, la Canada Ave, el Dorado Ave, Spur Dr, Crawford St$609
Howell Rd, Redwood St, Myrna Dr, Sutter Pl, Vaquero Creek, Fairmont Ln, Lassen St, Jerry Dr, Ivywood Dr, San Simeon Dr$623
Anchorage St, W 3rd St, Blackberry Cir, Sunfish Way, W Alta Green, Oarfish Ct, Hughes Dr, San Tropez Creek, Brucker Rd, Dupont St$616
Tulare Pl, Lobelia Dr, Seamist Ct, Minna St, Elder St, Jefferson Sq, S Victoria Service Ave, Beachcomber St, Daffodil Way, Tulipan Dr$682
Oarfish Ln, Yale Ct, Althea Ct, San Gorgonio St, Portola Rd, Belleza Dr, Wilson Ave, E Juniper St, S N St, M Ct$631
Phoenix Cir, 4th Pl, Moraine Way, Posada Dr, Yukonite Pl, Olds Rd, E 3rd St, Claremont Dr, Trinity Pl, N Grant Ave$606
Meta St, Eva St, Lemon Grove Ave, Napa St, Chesapeake Dr, Joyce Pl, W Roderick Ave, Balboa St, Richmond Ave, W Dorris Ave$634

Insurance rates are influenced by a number of factors including:

  • Year Built: 14,097 Homes (20% of total homes ) built between 1970 to 1979 in Oxnard are paying home insurance between $1,008-$1,017. Places close to Oxnard, CA such as Camarillo, Channel Islands Beach, Triunfo Pass-Point Mugu are more expensive by $39, $113, $171 respectively while El Rio and Saticoy are cheaper by $13 and $25 respectively for similar homes.
  • Bedrooms: 13,332 4 bedrooms homes (20% of total homes ) in Oxnard are paying about $380 in contrast with Port Hueneme (+$3), Camarillo (+$21), Channel Islands Beach (+$43), El Rio (-$5) and Saticoy (-$3).
  • Auto Insurance Bundling: 12,656 Households (37% of all households) in Oxnard have 3 or more vehicles available and when it is bundled with home insurance you can save $155 and differs from Port Hueneme ($154), Camarillo ($161), Channel Islands Beach ($173).
  • Senior Discounts: 14,964 seniors (more than 55 years) occupied housing units (44% of total) in Oxnard get discounts between $93 to $95. The comparative concessions in proximate regions such as Port Hueneme, Camarillo and Channel Islands Beach are $92, $96 and $103 respectively.
  • New Homes discounts: New homes such as the 25,218 homes built between 2000 to 2009 in Oxnard can save $124 and similar new home insurance discounts in nearby towns and cities like Port Hueneme, Camarillo and Channel Islands Beach are $123, $129 and $138 respectively.

Oxnard Homeowners insurance Facts

  • Oxnard, CA has 33,494 owner occupied houses which is 53.9% of all units whereas Port Hueneme, Camarillo and Channel Islands Beach have 45.78%, 69.7% and 49.21% respectively.
  • Oxnard, CA homeowners yearly insurance price at $622 is 0.18% of the typical house value of $342,800 which is in contrast with 0.2% in Port Hueneme, 0.13% at Camarillo & 0.09% in Channel Islands Beach.
  • Homeowners in Oxnard, CA pay 3.55% of their income ($15,000 to $19,999) in insurance whereas homeowners in Port Hueneme, Camarillo and El Rio pay 3.53%, 3.69% and 3.51% respectively.
  • Oxnard, CA’s insurance is 2.3% of monthly housing costs of $2,239/month, for owners with a mortgage compared to 2.53% in Port Hueneme, 2.0% at Camarillo & 1.68% in Channel Islands Beach. But, for households without a mortgage, insurance is 12.6% of costs ($413 in Oxnard, CA) in contrast with 10.78% in Port Hueneme, 11.38% at Camarillo & 10.22% in Channel Islands Beach.

Oxnard, CA Home Values & Insurance rates

For example, insurance for 4,542 Homes (20.0% of total homes ) valued between $250,000 to $299,999 in Oxnard, CA is about $497. Rates in nearby areas in such as Camarillo, Casa Conejo, San are cheaper by $142, $113, $108 respectively while Port Hueneme and El Rio are costlier by $39 and $80 respectively for similar homes.

Oxnard, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,289 5.0% $43
$70,000 to $79,999 267 1.0% $130
$80,000 to $89,999 237 1.0% $149
$100,000 to $124,999 414 1.0% $199
$125,000 to $149,999 477 2.0% $248
$150,000 to $174,999 722 3.0% $292
$175,000 to $199,999 991 4.0% $335
$200,000 to $249,999 3,446 15.0% $404
$250,000 to $299,999 4,542 20.0% $497
$300,000 to $399,999 9,196 41.0% $634

Renters Insurance in Oxnard

  • Average Renters Insurance in Oxnard :  $153($12/month)

  • Median Gross Rent in Oxnard :  $1,310

  • Oxnard Renters Insurance to Median Rent Ratio:  0.92%

  • Renter occupied housing units in Oxnard :  28,697

Oxnard Renters Insurance as a Percentage of Rent

Oxnard Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 710 2.0% $788
$300 to $499 1,000 3.0% $1238
$500 to $749 1,698 6.0% $1913
$750 to $999 3,779 13.0% $2663
$1,000 to $1,499 10,220 36.0% $3788
$1,500 or more 10,219 36.0% $5438

Rent Affordability in Oxnard:

Approximately 53.0% (15,378) of households are spending more than 35% of their income on gross rent in Oxnard

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,533 5.0%
15.0 to 19.9 percent 2,174 7.0%
20.0 to 24.9 percent 3,179 11.0%
25.0 to 29.9 percent 3,537 12.0%
30.0 to 34.9 percent 2,896 10.0%
35.0 percent or more 15,378 53.0%

Oxnard Renters Insurance Discounts:

Oxnard Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Oxnard, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 10,915 38.0% $15.3
2 vehicles available 9,694 33.0% $22.95
3 or more vehicles available 5,354 18.0% $30.6

Protective device discount in Oxnard Up to :  $22

Claims-free discount in Oxnard Up to :  $30