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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The Cheapest and Best Car Insurance in Oceanside

The Cheapest Car Insurance Companies in Oceanside

For a full coverage auto insurance policy in Oceanside, the two cheapest insurance providers are:

  • Esurance: $983 yearly
  • Progressive: $1,009 yearly

MoneyGeek used a sample driver profile for this research. In this scenario, the driver is a 40-year-old male who has a full coverage policy that includes liability and comprehensive collision coverage.

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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.

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The Best Car Insurance Companies in Oceanside

MoneyGeek used a scoring system to rate the best insurance providers in Oceanside and help drivers find one that offers a good mix of affordable price and quality service. The two best insurers, according to our ranking system, are:

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

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

MoneyGeek used a number of factors for this scoring system, including data from J.D. Power's affordability, financial security and customer satisfaction scores.


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:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

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:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

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

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.

Shopping around for car insurance in Oceanside could save you $277, which is enough to buy:


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92Cups of Coffee
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21Months of Your Favorite Streaming Service

Cheapest Car Insurance in Oceanside by Coverage Amount

Regardless of where you live, the amount of coverage you purchase has a significant impact on your insurance rates. A state minimum liability policy covering physical injury and property damages costs an average of $605 yearly, while a full coverage policy with higher liability limits costs $1,260. That’s a significant difference of $655.

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.

The insurance type and coverage limits you choose impact your premiums. Liability-only coverage pays for the other driver's expenses in an at-fault accident, but not your costs. Full coverage will pay for the expenses of both you and the other driver if you cause an accident.

In Oceanside, Progressive provides cheap car insurance for both liability-only and full coverage policies. A full-coverage plan with 50/100/50 limits costs $313 more than a liability-only policy. These limits mean you can receive up to $50,000 in medical payments per person, totaling no more than $100,000 per accident and $50,000 in property damage reimbursements.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Oceanside if You Have Driving Violations

To get the lowest car insurance rates, it’s advisable to have a clean driving record. This is because you’ll be charged higher auto insurance rates if you have violations on your driving record.

In Oceanside, Esurance policyholders with a DUI could pay $1,454 more per year on average than drivers with a clean record. Similarly, the average annual premium may be $550 more for those who have caused an at-fault accident and $258 higher for drivers with a speeding ticket on their record.

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

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.

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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.