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 the Cheapest Car Insurance Quotes in Oceanside, CA
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
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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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 CodeState Minimumper year
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.
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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