Compare Oceano, CA Car Insurance Rates (2021)

Car insurance in Oceano, CA averages $241 a month. Oceano, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Oceano car insurance rates, compare quotes from the top car insurance companies in Oceano, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Oceano, CA are $2,898/year
  • The cheapest car insurance company in Oceano for teen drivers is Progressive
  • Average car insurance rates in Oceano, CA after a DUI are $4,067/year

If you need to buy Oceano, California car insurance, the options can be confusing. Everything you need to know about car insurance in Oceano, CA is right here.

You’ll find Oceano car insurance rates, the cheapest Oceano, CA car insurance companies, and information on California car insurance laws. You can also compare Oceano, California car insurance rates to Fresno car insurance rates, San Jose car insurance rates, and Los Angeles car insurance rates.

Ready to find affordable Oceano, CA car insurance today? Enter your ZIP code for fast, free Oceano car insurance quotes.

Cheapest Oceano, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oceano, CA car insurance rates? Every Oceano, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oceano, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,229 $2,231 $1,639 $1,655 $6,202 $7,800 $2,854 $3,137
Farmers $2,039 $2,039 $1,845 $1,845 $6,480 $10,570 $2,414 $2,688
GEICO $1,672 $1,673 $1,572 $1,572 $5,092 $5,181 $2,402 $2,456
Liberty Mutual $1,792 $1,693 $1,670 $1,617 $3,849 $4,115 $2,012 $2,037
Nationwide $2,662 $2,541 $2,341 $2,207 $6,755 $7,455 $3,172 $3,129
Progressive $1,281 $1,316 $1,088 $1,286 $3,338 $4,013 $1,825 $1,957
State Farm $2,238 $2,238 $2,000 $2,000 $4,101 $5,090 $2,475 $2,552
Travelers $1,993 $1,931 $1,773 $1,756 $4,059 $4,620 $2,572 $2,515
USAA $1,815 $1,719 $1,770 $1,776 $4,158 $4,180 $2,510 $2,371

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Minimum Car Insurance in Oceano, CA

Every driver must carry the minimum car insurance in Oceano, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Oceano, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Oceano, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oceano, CA to rates for a clean record with top companies.

Annual Oceano, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,102 $3,522 $5,501 $2,750
Farmers $2,769 $3,767 $4,686 $3,738
GEICO $1,889 $2,920 $3,658 $2,343
Liberty Mutual $2,038 $2,729 $2,465 $2,160
Nationwide $2,644 $3,388 $5,712 $3,388
Progressive $1,328 $2,237 $2,579 $1,907
State Farm $2,022 $2,413 $4,563 $2,348
Travelers $1,792 $2,880 $3,332 $2,606
USAA $1,687 $2,512 $4,104 $1,847

Cheapest Oceano, CA Car Insurance for Teen Drivers

Teen car insurance in Oceano, CA can be expensive. Take a look at rates from the top car insurance companies in Oceano for teenagers.

Annual Car Insurance Rates for Teen Drivers in Oceano, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,202 $7,800
Farmers $6,480 $10,570
GEICO $5,092 $5,181
Liberty Mutual $3,849 $4,115
Nationwide $6,755 $7,455
Progressive $3,338 $4,013
State Farm $4,101 $5,090
Travelers $4,059 $4,620
USAA $4,158 $4,180

Cheapest Oceano, CA Car Insurance for Seniors

Take a look at Oceano, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Oceano, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,639 $1,655
Farmers $1,845 $1,845
GEICO $1,572 $1,572
Liberty Mutual $1,670 $1,617
Nationwide $2,341 $2,207
Progressive $1,088 $1,286
State Farm $2,000 $2,000
Travelers $1,773 $1,756
USAA $1,770 $1,776

Cheapest Oceano, CA Car Insurance Rates After a DUI

A DUI in Oceano, CA increases car insurance rates. Compare Oceano, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oceano, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,501
Farmers $4,686
GEICO $3,658
Liberty Mutual $2,465
Nationwide $5,712
Progressive $2,579
State Farm $4,563
Travelers $3,332
USAA $4,104

Cheapest Oceano, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Oceano, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Oceano, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,135 $3,802
Farmers $3,393 $4,087
GEICO $2,455 $2,950
Liberty Mutual $2,157 $2,539
Nationwide $3,344 $4,222
Progressive $1,827 $2,199
State Farm $2,733 $2,940
Travelers $2,395 $2,910
USAA $2,338 $2,737

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The Best Cheap Car Insurance Companies in Oceano, CA

Take a look at a side-by-side comparison of the top car insurance companies in Oceano, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Oceano, California

Insurance Company Average Annual Rates
Allstate $3,469
Farmers $3,740
GEICO $2,702
Liberty Mutual $2,348
Nationwide $3,783
Progressive $2,013
State Farm $2,837
Travelers $2,653
USAA $2,537

Category Winners: Cheapest Car Insurance in Oceano, California

Find the cheapest car insurance companies in Oceano, CA for each category right here.

Best Annual Car Insurance Rates by Company in Oceano, California

Category Insurance Company
Teenagers Progressive
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Oceano, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Oceano car insurance rates. Find the cheapest Oceano, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oceano, California

Insurance Company Low Medium High
Allstate $3,304 $3,496 $3,606
Farmers $3,468 $3,770 $3,982
GEICO $2,441 $2,732 $2,934
Liberty Mutual $2,179 $2,369 $2,496
Nationwide $3,385 $3,851 $4,113
Progressive $1,815 $2,074 $2,151
State Farm $2,565 $2,881 $3,064
Travelers $2,311 $2,724 $2,923
USAA $2,298 $2,587 $2,727

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What affects car insurance rates in Oceano, California?

What factors can have an impact on Oceano, CA car insurance? There are several reasons why Oceano car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oceano, California.

Commute Time in Oceano

The more time you spend in your car the higher the risk of an accident. The average commute length in Oceano, CA is 20.9 minutes according to City-Data.

Compare Car Insurance Quotes in Oceano, CA

Ready to find affordable Oceano, California car insurance today? Enter your ZIP code for fast, free Oceano, CA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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