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.

Compare Auto Insurance Rates

Insurance Rates

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

widget-location-pin
Last Updated: 5/16/2022
Advertising & Editorial Disclosure
By     |  

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.

iconribbonbestauto insuranceOceanside2022

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.

widget-location-pin
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.

widget-location-pin
Insurance Rates

The Best Car Insurance Companies in Oceanside

MoneyGeek evaluated auto insurance companies based on their service quality and pricing. The two best insurers in Oceanside, according to our ranking system, are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Oceanside by MoneyGeek's rating system, receiving 100 out of 100. However, because USAA is only available to military members, veterans and their families, it is not best overall.

MoneyGeek ranked these car insurance companies using several factors, including insurer financial stability, customer satisfaction and affordability. We used multiple resources to perform this study, including findings by data analytics and consumer intelligence company J. D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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
rain icon
Most Annual Rainfall283rd/300
umbrella icon
Most Rainy Days248th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Oceanside are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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.