Compare Oceanside, CA Car Insurance Rates (2021)

Car insurance in Oceanside, CA averages $285 a month. Oceanside, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Oceanside car insurance rates, compare quotes from the top car insurance companies in Oceanside, 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

  • The cheapest car insurance company in Oceanside for teen drivers is GEICO
  • The cheapest ZIP code in Oceanside is 92058
  • The cheapest car insurance company in Oceanside is GEICO

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

You’ll find Oceanside car insurance rates, the cheapest Oceanside, CA car insurance companies, and information on California car insurance laws. You can also compare Oceanside, California car insurance rates to Sacramento car insurance rates, Long Beach car insurance rates, and San Jose car insurance rates.

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

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

How do age, gender, and marital status affect Oceanside, CA car insurance rates? Every Oceanside, 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 Oceanside, 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 $2,704 $2,703 $1,980 $1,995 $7,578 $9,532 $3,453 $3,784
Farmers $2,261 $2,261 $2,046 $2,046 $7,178 $11,708 $2,677 $2,980
GEICO $1,547 $1,547 $1,455 $1,455 $4,703 $4,775 $2,221 $2,266
Liberty Mutual $2,209 $2,089 $2,061 $1,997 $4,845 $5,163 $2,487 $2,509
Nationwide $3,051 $2,910 $2,678 $2,522 $7,811 $8,612 $3,646 $3,596
Progressive $1,662 $1,711 $1,411 $1,675 $4,442 $5,351 $2,387 $2,566
State Farm $3,149 $3,149 $2,816 $2,816 $5,823 $7,229 $3,486 $3,594
Travelers $2,272 $2,197 $2,016 $1,996 $4,716 $5,352 $2,945 $2,878
USAA $2,089 $1,975 $2,042 $2,048 $4,757 $4,795 $2,902 $2,738

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Minimum Car Insurance in Oceanside, CA

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

Minimum Required Car Insurance Coverage in Oceanside, 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 Oceanside, 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 Oceanside, CA to rates for a clean record with top companies.

Annual Oceanside, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,546 $4,274 $6,706 $3,338
Farmers $3,068 $4,175 $5,194 $4,143
GEICO $1,744 $2,698 $3,379 $2,163
Liberty Mutual $2,535 $3,395 $3,064 $2,686
Nationwide $3,040 $3,896 $6,582 $3,896
Progressive $1,738 $2,951 $3,410 $2,503
State Farm $2,862 $3,412 $6,438 $3,320
Travelers $2,037 $3,316 $3,837 $2,996
USAA $1,937 $2,888 $4,725 $2,123

Cheapest Oceanside, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oceanside, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,578 $9,532
Farmers $7,178 $11,708
GEICO $4,703 $4,775
Liberty Mutual $4,845 $5,163
Nationwide $7,811 $8,612
Progressive $4,442 $5,351
State Farm $5,823 $7,229
Travelers $4,716 $5,352
USAA $4,757 $4,795

Cheapest Oceanside, CA Car Insurance for Seniors

Take a look at Oceanside, 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 Oceanside, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,980 $1,995
Farmers $2,046 $2,046
GEICO $1,455 $1,455
Liberty Mutual $2,061 $1,997
Nationwide $2,678 $2,522
Progressive $1,411 $1,675
State Farm $2,816 $2,816
Travelers $2,016 $1,996
USAA $2,042 $2,048

Cheapest Oceanside, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oceanside, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,706
Farmers $5,194
GEICO $3,379
Liberty Mutual $3,064
Nationwide $6,582
Progressive $3,410
State Farm $6,438
Travelers $3,837
USAA $4,725

Cheapest Oceanside, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oceanside, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,804 $4,628
Farmers $3,760 $4,529
GEICO $2,267 $2,725
Liberty Mutual $2,683 $3,157
Nationwide $3,843 $4,864
Progressive $2,403 $2,898
State Farm $3,862 $4,154
Travelers $2,745 $3,348
USAA $2,691 $3,146

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Cheapest Oceanside, CA Car Insurance Rates by ZIP Code

Oceanside car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Oceanside, CA.

Annual Car Insurance Rates by ZIP Code in Oceanside, California

ZIP Code Average Annual Rates
92054 $4,731
92056 $4,688
92057 $4,629
92058 $4,600

The Best Cheap Car Insurance Companies in Oceanside, CA

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

Average Annual Car Insurance Rates by Company in Oceanside, California

Insurance Company Average Annual Rates
Allstate $4,216
Farmers $4,145
GEICO $2,496
Liberty Mutual $2,920
Nationwide $4,353
Progressive $2,651
State Farm $4,008
Travelers $3,046
USAA $2,918

Category Winners: Cheapest Car Insurance in Oceanside, California

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

Best Annual Car Insurance Rates by Company in Oceanside, California

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

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Cheapest Oceanside, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oceanside, California

Insurance Company Low Medium High
Allstate $3,996 $4,252 $4,400
Farmers $3,841 $4,178 $4,415
GEICO $2,238 $2,527 $2,724
Liberty Mutual $2,717 $2,948 $3,095
Nationwide $3,901 $4,432 $4,727
Progressive $2,381 $2,733 $2,838
State Farm $3,591 $4,080 $4,353
Travelers $2,633 $3,135 $3,371
USAA $2,660 $2,973 $3,122

What affects car insurance rates in Oceanside, California?

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

Car Theft in Oceanside

High levels of vehicle theft can make car insurance more expensive. Oceanside, CA car theft statistics from the FBI indicate 465 vehicle thefts a year.

Commute Time in Oceanside

The more time you spend in your car the higher the risk of an accident. The average commute length in Oceanside, CA is 29.9 minutes according to City-Data.

Traffic in Oceanside

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Oceanside, CA traffic data from INRIX ranks Oceanside as the 411th-most congested in the world.

Compare Car Insurance Quotes in Oceanside, CA

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

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