Cheapest and Best Car Insurance Companies in Oceanside, CA


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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The cheapest options may vary based on your driving record and personal circumstances. National General is the most affordable company for full coverage policies and military drivers. It’s also the cheapest option for those with a speeding ticket, at-fault accident or DUI on their record. Farmers is the cheapest for teens, and Chubb is our top recommendation if you’re looking for quality customer service.

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2024

Cheapest and Best Car Insurance in Oceanside, CA

Why Trust MoneyGeek? We based our rankings on data and information we gathered from the California Department of Insurance and Quadrant Information Services.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Oceanside

The cheapest car insurance companies for a minimum coverage policy in Oceanside are:

  • GEICO: $361 per year
  • Progressive: $435 per year

The most expensive company is Chubb, with an average premium of $758 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$361Monthly Premium$30
ProgressiveAnnual Premium$435Monthly Premium$36
MercuryAnnual Premium$468Monthly Premium$39
AAA CaliforniaAnnual Premium$486Monthly Premium$41
State FarmAnnual Premium$506Monthly Premium$42
KemperAnnual Premium$516Monthly Premium$43
TravelersAnnual Premium$522Monthly Premium$43
National GeneralAnnual Premium$541Monthly Premium$45

A minimum coverage policy in California must cover bodily injury liability and property damage liability with the following limits:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

Bodily injury liability covers the expenses incurred by another person injured in an accident. Your insurance will cover up to $15,000 per person but only $30,000 per accident. If costs exceed $30,000, you are responsible for paying the rest out of pocket.

Cheapest Full Coverage Car Insurance in Oceanside

The cheapest car insurance companies for a full coverage policy in Oceanside are:

  • National General: $943 per year
  • GEICO: $945 per year

The most expensive company is Chubb, at $1,777 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$943Monthly Premium$79
GEICOAnnual Premium$945Monthly Premium$79
ProgressiveAnnual Premium$971Monthly Premium$81
MercuryAnnual Premium$1,097Monthly Premium$91
AAA CaliforniaAnnual Premium$1,107Monthly Premium$92
AllstateAnnual Premium$1,124Monthly Premium$94
State FarmAnnual Premium$1,188Monthly Premium$99
NationwideAnnual Premium$1,335Monthly Premium$111

A full coverage policy includes comprehensive and collision insurance. Both cover repairs and replacement of your vehicle in the following instances:

  • Collision Insurance: Applies when you're in an at-fault accident, whether you collided with another vehicle or object.
  • Comprehensive Insurance: Pays for expenses if your car is damaged in a non-collision event, such as vandalism or flooding.

Full coverage policies may not be worth the added cost if you have an older or low-value car.

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Cheapest Car Insurance in Oceanside After a Driving Offense

National General is the cheapest car insurance company in Oceanside after a driving violation.

  • Speeding ticket: National General ($989 per year)
  • At-fault accident: National General ($1,394 per year)
  • DUI: National General ($989 per year)

The most expensive companies are Chubb after a speeding ticket ($2,328 per year), Kemper after an at-fault accident ($2,957 per year) and Hartford after a DUI ($5,058 per year).

Violations can significantly impact the cost of car insurance. Even the cheapest premiums will cost more for drivers with offenses than for those with clean records.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$989Monthly Premium$82
GEICOAnnual Premium$1,415Monthly Premium$118
AAA CaliforniaAnnual Premium$1,427Monthly Premium$119
MercuryAnnual Premium$1,444Monthly Premium$120
AllstateAnnual Premium$1,631Monthly Premium$136
Capital Insurance GroupAnnual Premium$1,659Monthly Premium$138
State FarmAnnual Premium$1,768Monthly Premium$147
KemperAnnual Premium$1,784Monthly Premium$149

Rates can increase after a driving violation, but the difference in rates may depend on the severity of your offense. For example, your annual premium can cost $1,772 more after a DUI, but it will only cost $507 more after a speeding ticket.

Take note, however, that this is not always the case. Other personal factors and circumstances can affect the cost of car insurance. It’s best to compare rates to find the cheapest car insurance for those with bad driving records.

Cheapest Car Insurance in Oceanside for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Oceanside are:

  • Farmers: $2,718 per year for males and females
  • GEICO: $2,745 per year for females
  • State Farm: $2,767 per year for males

The most expensive company is Nationwide, with an average premium of $4,886 per year for males and females. Some insurers charge male teens higher rates because they are viewed as high-risk. However, the gender-based cost difference evens out in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
FarmersFamily Plan Annual Premium$2,718Individual Plan Monthly Premium$5,484
GEICOFamily Plan Annual Premium$2,745Individual Plan Monthly Premium$5,043
State FarmFamily Plan Annual Premium$2,767Individual Plan Monthly Premium$5,410
AllstateFamily Plan Annual Premium$2,959Individual Plan Monthly Premium$5,922
ProgressiveFamily Plan Annual Premium$3,037Individual Plan Monthly Premium$6,140
Capital Insurance GroupFamily Plan Annual Premium$3,497Individual Plan Monthly Premium$4,356
TravelersFamily Plan Annual Premium$3,547Individual Plan Monthly Premium$4,999
KemperFamily Plan Annual Premium$4,102Individual Plan Monthly Premium$9,221

Adding a teenager to the family policy is more affordable than purchasing an individual policy. In Oceanside, you can add a 16-year-old male to a parent's policy for only $3,825 per year. A separate policy would cost $4,498 per year, a difference of $673. In addition, always compare quotes to find the cheapest car insurance for teens.

Cheapest Car Insurance in Oceanside for Military Drivers

The following companies offer the cheapest full coverage car insurance for active or veteran military families in Oceanside:

  • National General: $943 per year
  • GEICO: $945 per year

USAA also offers cheap car insurance for military drivers at $1,014 annually. Its services cater to drivers with a military background. The cheapest companies may differ if you're seeking a minimum coverage policy. You'll find the lowest rates at GEICO ($361 per year) and Progressive ($435 per year). You can also take advantage of military discounts to lower costs further.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$943Monthly Premium$79
GEICOAnnual Premium$945Monthly Premium$79
ProgressiveAnnual Premium$971Monthly Premium$81
USAAAnnual Premium$1,014Monthly Premium$84
MercuryAnnual Premium$1,097Monthly Premium$91
AAA CaliforniaAnnual Premium$1,107Monthly Premium$92
AllstateAnnual Premium$1,124Monthly Premium$94
State FarmAnnual Premium$1,188Monthly Premium$99

How to Compare Cheap Oceanside Car Insurance Quotes Online

You can spend more than 15 minutes getting an online car insurance quote in Oceanside, and you’ll probably need to provide a lot of personal information. If you need an easier and faster way to get car insurance estimates, use MoneyGeek’s car insurance calculator. It can give you a ballpark estimate of your premiums based on just your age, car type, coverage level and driving record.

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Jun 18, 2024

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Best Car Insurance in Oceanside: Summary

The best insurance will depend on your customer service, affordability and coverage needs. The best companies in Oceanside, California, for these categories are:

  • Best overall: GEICO (MoneyGeek score of 75 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s MoneyGeek score can change based on the weightings for each category. CSAA offers the best car insurance in California. Our top recommendation for military drivers is USAA, with a MoneyGeek score of 82 out of 100.

Best Overall Car Insurance in Oceanside

The best car insurance companies in Oceanside are:

  • GEICO: MoneyGeek score of 75 out of 100 ($945 per year)
  • Progressive: MoneyGeek score of 73 out of 100 ($971 per year)

GEICO scored best for affordability and customer satisfaction. Its customers won’t need to sacrifice good service for a lower cost.

If you’re a member of the military, consider USAA. It has a MoneyGeek score of 82 out of 100, making it the top-ranking company in our analysis.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Offers affordable premiums

checkmark

Has good customer service

checkmark

Provides mechanical breakdown insurance (MBI) and roadside assistance

cons

close

Received a low claims management rating

close

Does not have OEM coverage and gap insurance

COMPANY HIGHLIGHTS

GEICO may have limited coverage options, but it offers essential ones. For example, MBI and roadside assistance protect you in case your car encounters problems.

MBI covers the cost to repair or replace your car’s mechanical parts. It’s like your vehicle warranty — but better. A regular warranty’s coverage may be limited to specific parts and shops. MBI covers the expenses for all your car parts and systems, wherever you want to have your car repaired.

If your car breaks down while you’re on the road, GEICO also has you covered. GEICO’s emergency roadside service and assistance can provide towing, battery jumpstarts, tire changing, winching, fuel delivery and lockout services. You can access this service 24/7 through the GEICO mobile app.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Oceanside for Customer Service

We excluded affordability from the criteria and found that the best companies for customer service in Oceanside are:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,777 per year)
  • Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,449 per year)

Chubb received the highest ratings for customer satisfaction and claims management. This means you can get the best customer service from this company, especially during a stressful time when you need to file a claim.

Chubb is the most expensive option of all the companies we analyzed, so its customers pay more for quality service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

High customer satisfaction rating

checkmark

Good claims management

checkmark

Offers original equipment manufacturer (OEM) coverage and rental car reimbursement

cons

close

Doesn’t have roadside assistance and gap insurance

close

Only has a few coverages

COMPANY HIGHLIGHTS

Chubb customers can add OEM coverage and rental car reimbursement to their policies. These add-ons help cover your expenses for repairs and transportation while your car is in the shop.

OEM coverage pays to repair your car with original factory parts versus aftermarket parts. Using OEM parts protects your investment, ensuring your car performs, looks and feels as originally intended. Rental car reimbursement pays for your car rental expenses while your car is in the shop after a covered incident. It will pay up to $15,000 in transportation costs, which can help you rent a car similar to your own.

With Chubb’s agreed value coverage, you and the insurer agree on a value for your care when the policy is written. If your car is stolen or totaled, Chubb will write a check for the agreed-upon value, potentially saving you thousands.

Best Cheap Car Insurance in Oceanside

The top-ranking companies in Oceanside based on affordability and service quality for policies that only meet California’s minimum coverage requirements are:

  • GEICO: MoneyGeek score of 78 out of 100 ($361 per year)
  • Progressive: MoneyGeek score of 70 out of 100 ($435 per year)

Minimum coverage policies in Oceanside have the lowest premiums. However, they may not cover all the costs in case of an injury or damage to your car during an accident.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $361 per year

checkmark

Bundling, safe driving and seat belt use discounts

checkmark

Has good customer service

cons

close

Filing a claim could be easier

close

No discount if you pay in full

COMPANY HIGHLIGHTS

GEICO scored best for affordability and customer satisfaction. With an average premium of $361 per year, GEICO offers the cheapest rates for minimum coverage policies. It also has good customer service, so you’re not paying extra for smooth transactions and customer engagement.

You can make your premium even more affordable by taking advantage of bundling, good student, multiple-car and safe driving discounts. The bundling discount applies if you pair your car insurance policy with other types of insurance policies from GEICO. You can also get discounts if you insure more than one car with this company and stay accident-free for five years. If you’re a student, you can get a discount by maintaining good grades.

GEICO’s seat belt use discount is unique. It allows you to save money on medical payments or personal injury protection if you regularly use your seat belt.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Oceanside

The average cost of car insurance in Oceanside is $1,246 per year as of October 2022. This is based on a full coverage policy with 100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Costs in Oceanside are $141 cheaper than the average cost of car insurance in California and $122 more expensive than the average cost of car insurance in the U.S.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.