How Much Does Renters Insurance Cost in Oxnard, CA?
Oxnard pricing is 22% above the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Oxnard's diversified economy.See our methodology
Renters Insurance Pricing in Oxnard, CA
Oxnard is a high-cost market where renters insurance runs about 22% above the national average. The city's diversified economy supports higher wages, which translates to elevated contractor rates. With a population of 205K, competition among providers exists but demand keeps prices firm.
Local climate plays a direct role in renters insurance costs here. Varied climate depending on location; earthquake considerations in some areas.
Market-specific factors matter in Oxnard: higher cost of living in coastal areas; more affordable inland.
Oxnard has moderate permitting requirements. Depending on the scope of your renters insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Oxnard vs National Average
What Affects Renters Insurance Cost in Oxnard?
Coverage
$20K personal property: $12-$20/mo. $50K: $18-$30/mo. $100K: $25-$45/mo
Location
Low-crime area: $10-$20/mo. High-crime urban: $20-$40/mo
Oxnard Market Conditions
higher cost of living in coastal areas; more affordable inland
Local Climate Impact
varied climate depending on location; earthquake considerations in some areas
📐 Renters Insurance in Oxnard Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Renters Insurance Pros in Oxnard, CA
4 providersPremier Electrical
✅ VERIFIEDReliable Property Services
✅ VERIFIEDAll-Pro HVAC Solutions
Are You a Renters Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for renters insurance in Oxnard, CA.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Renters Insurance in Oxnard
- 1.Bundle with auto insurance for 10-20% discount
- 2.Raise your deductible to $1,000 to lower premiums
- 3.Most people overestimate coverage needs — inventory your belongings first
- 4.Security features (deadbolts, alarms) can earn discounts
📈 Renters Insurance in Oxnard Cost Trends (2020–2024)
Prices have increased +22.2% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $18 | — |
| 2021 | $19 | +5.6% |
| 2022 | $20 | +5.3% |
| 2023 | $21 | +5.0% |
| 2024 | $22 | +4.8% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Renters Insurance in Oxnard
Recent Reports
Frequently Asked Questions
Is renters insurance worth it?
At $15-25/month, it's one of the best insurance values. A single theft or fire could cost thousands to replace your belongings.
Why does renters insurance cost different in Oxnard than other cities?
Oxnard's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Renters Insurance Cost in Nearby Cities
Related Cost Guides for Oxnard
Popular Services in Oxnard
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.