Compare the Cheapest Car Insurance Quotes in Oceanside, CA

Oceanside's average annual car insurance price is $1,260, which is lower than the state average in California. According to MoneyGeek’s ratings, Esurance is the cheapest widely available insurer in Oceanside. For drivers looking for a good mix of affordability and great service, MoneyGeek offers recommendations for additional auto insurers below.

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Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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Last Updated: 7/31/2022
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Esurance is the most affordable company in Oceanside for full coverage insurance and for drivers with tickets, while Progressive is the cheapest for liability insurance. If you're in the military, USAA may be the most cost-effective option. Regardless, MoneyGeek named AAA the city's best auto insurance company in terms of customer service and pricing.

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The Cheapest and Best Car Insurance in Oceanside

The Cheapest Car Insurance Companies in Oceanside

The following insurance companies in Oceanside provide the most affordable full coverage car insurance policies:

  • Esurance: $983 per year
  • Progressive: $1,009 per year

Allied is the most expensive full coverage insurer in the city, with Esurance’s annual premium for a comparable policy at nearly 64% less. Comprehensive and collision coverages are combined in a full coverage insurance policy. The amount of liability coverage you choose is one of the determining factors in how much your premium will cost.

Cheapest Car Insurance in Oceanside
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $983
  • 2.
    Progressive
    $1,009
  • 3.
    USAA
    $1,114
  • 4.
    GEICO
    $1,117
  • 5.
    MetLife
    $1,117
  • 6.
    AAA
    $1,149
  • 7.
    Allstate
    $1,189
  • 8.
    Mercury
    $1,286
  • 9.
    State Farm
    $1,343
  • 10.
    Hartford
    $1,388
  • 11.
    Farmers
    $1,454
  • 12.
    Travelers
    $1,477
  • 13.
    Allied
    $1,610

For this MoneyGeek analysis, average insurance rates were based on a 40-year-old male driver with a full coverage insurance policy.

The inclusion of the following two coverages makes full coverage auto insurance more expensive than liability-only insurance:

  • Collision Coverage: Compensates you for losses in the event of a collision with another vehicle or property.
  • Comprehensive Coverage: Covers non-crash-related damages or losses caused by theft, fire, storm or vandalism.

Suppose the cost of full coverage insurance exceeds the replacement value of your car, which can happen, especially if it’s an older model. In that case, you may wish to choose liability-only coverage or state minimum insurance.

Compare Car Insurance Rates in Oceanside

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Oceanside for Minimum Coverage

Oceanside's cheapest insurance may only offer you the least amount of coverage. The following companies provide the city's cheapest minimum liability insurance:

  • Progressive: $448 per year
  • GEICO: $477 per year

Progressive's average quote is $284 lower than Allied's of $732 per year. USAA's state minimum liability-only insurance, which costs $458 and is the second-lowest in the city, is available only for military members and their families.

Minimum insurance policies provide the least coverage and are hence the most affordable. Without comprehensive and collision coverage, however, you may be underinsured if you have an accident.

The table below illustrates how insurance premiums rise with increasing coverage limits.

Cheapest Minimum Liability Car Insurance in Oceanside
State Minimum

Drivers in California must carry a minimum of 15/30/5 liability insurance by law. While this insurance may be the most affordable in Oceanside, you should also expect it to offer the lowest level of protection. Without adequate coverage, you may face substantial out-of-pocket costs if you cause an accident.

For instance, if you cause another driver $15,000 property damage in an accident, your insurance will cover only $5,000, leaving you to pay the balance of $10,000.

California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Oceanside if You Have Driving Violations

Traffic offenses, such as speeding, at-fault accidents or DUIs, can raise your auto insurance rates in Oceanside. The following are the city's cheapest insurance premiums based on the most common traffic offenses:

  • Cheapest after a ticket: Esurance, $1,241 per year
  • Cheapest after an at-fault accident: Esurance, $1,533 per year
  • Cheapest after a DUI: Mercury, $2,103 per year

USAA’s rate is the cheapest for drivers with a speeding ticket. However, the policy is only available to military members.

Maintaining a clean driving record in the future can help reduce your insurance premiums, regardless of the traffic offense you have committed. In the meantime, you can compare rates from multiple insurers and find the best cheap car insurance for drivers with bad records.

Cheapest Car Insurance in Oceanside With a Violation
Speeding Ticket

Average Cost of Car Insurance in Oceanside

Oceanside$1,260
California$1,429
U.S.$1,424

The cost of car insurance in Oceanside is lower than the state and national averages.

The average car insurance rate in Oceanside is $1,260. This price is 11.5% cheaper than the national average and 11.8% less than the state average.

Personalized Quotes to Get You the Cheapest Car Insurance in Oceanside

Insurers consider multiple factors such as age, gender, vehicle make and model, marital status and more when calculating car insurance premiums in Oceanside.

For example, a 40-year-old male driver in Oceanside pays an average of $983 per year for a policy with Esurance. This rate may change as the driver gets older.

It’s a good idea to regularly compare car insurance quotes to find the best coverage and rates for your current life circumstances.

Compare Car Insurance Rates in Oceanside

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Oceanside

MoneyGeek found the best car insurance companies in Oceanside by analyzing providers for their claims ratings, user satisfaction and average rates.

Based on these factors, the top-rated companies in Oceanside are:

  • Esurance: MoneyGeek Score of 90.2 out of 100
  • AAA: MoneyGeek Score of 86.2 out of 100

MoneyGeek excluded USAA from this analysis, as their policies are only available for active-duty military members, veterans and their eligible family members. However, USAA received a MoneyGeek score of 87.8 out of 100, making it the second best auto insurance option for military members.


1
Esurance
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

In Oceanside, Esurance ranks first in affordability and above-average in financial stability. A full coverage policy costs $983 per year, on average. However, it can cost more if you add their optional coverages like rideshare insurance.

More About Esurance

The company offers rideshare insurance, or ShareSmart, to Oceanside drivers. This ensures that the coverage included in your personal auto insurance policy is still in effect even while you’re working with a ridesharing company. Beyond having affordable policies and great service, Esurance also offers policyholders a unique custom parts coverage. This coverage helps cover the costs to repair any of your after-market upgrades.

Read MoneyGeek's Esurance auto Insurance Review
2
AAA
Score:100
There are no ratings for this company
Geek Quick Take
Geek Quick Take

AAA was ranked first in customer satisfaction and claims ratings, earning the second best auto insurance ranking in Oceanside. On average, AAA policies cost $1,149 per year, but you may pay more if you add optional coverages like roadside assistance coverage. The insurer offers one rare coverage option, identity theft coverage.

More About AAA

AAA policyholders can benefit from the company’s identity theft coverage, which is automatically included with your AAA membership. Roadside assistance provides coverage for fuel delivery, flat tire or battery replacements, jump-starts, vehicle lockout service or trip continuation coverage. If your car is unusable due to a covered accident, you can also get car rental reimbursement coverage, which can help cover the costs of a car rental or expense for public transportation.

Read MoneyGeek's AAA auto Insurance Review

Average Cost of Car Insurance by Postal Code

Your ZIP code also influences your auto insurance prices. This is because accident rates, numbers of uninsured motorists and theft can vary between communities.

In Oceanside, drivers living in ZIP code 92056 could pay $23 less in annual vehicle insurance premiums compared to drivers in the 92058 neighborhood.

  • Zip Code
    State Minimumper year
  • 92056
    $1,245
  • 92057
    $1,268
  • 92058
    $1,268

Factors That Impact Insurance Costs in Oceanside

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Oceanside. How Oceanside ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities232nd/300
handcuffs2 icon
Most Car Thefts178th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall283rd/300
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Most Rainy Days248th/300

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.