Compare Oceanside, NY Car Insurance Rates (2021)

Car insurance in Oceanside, NY averages $578 a month. Oceanside, New York car insurance requirements are 25/50/10, 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, NY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Oceanside, NY are $6,932/year
  • The cheapest car insurance company in Oceanside for teen drivers is GEICO
  • Average car insurance rates in Oceanside, NY after a DUI are $9,327/year

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

You’ll find Oceanside car insurance rates, the cheapest Oceanside, NY car insurance companies, and information on New York car insurance laws. You can also compare Oceanside, New York car insurance rates to Rochester car insurance rates, Schenectady car insurance rates, and Yonkers car insurance rates.

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

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

How do age, gender, and marital status affect Oceanside, NY car insurance rates? Every Oceanside, New York 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, New York

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 $4,661 $4,286 $4,438 $4,484 $14,274 $15,210 $4,399 $4,353
GEICO $2,989 $2,874 $2,905 $2,862 $6,513 $9,679 $2,684 $2,751
Liberty Mutual $7,108 $7,108 $6,620 $6,620 $13,964 $20,178 $7,108 $7,545
Nationwide $5,363 $5,363 $5,034 $5,034 $10,129 $15,322 $5,363 $6,993
Progressive $4,300 $3,887 $3,339 $3,419 $14,538 $15,848 $5,423 $5,075
State Farm $4,545 $4,545 $3,992 $3,992 $13,496 $16,552 $5,033 $5,288
Travelers $5,680 $5,562 $5,195 $5,452 $13,510 $16,051 $5,936 $6,040
USAA $2,752 $2,701 $2,514 $2,510 $11,374 $13,456 $3,536 $3,915

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Minimum Car Insurance in Oceanside, NY

Every driver must carry the minimum car insurance in Oceanside, NY. Take a look at the New York car insurance requirements.

Minimum Required Car Insurance Coverage in Oceanside, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Oceanside, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Oceanside, NY. Compare credit history car insurance rates in Oceanside from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Oceanside, New York

Insurance Company Poor Fair Good
Allstate $10,302 $5,817 $4,920
GEICO $5,211 $3,826 $3,434
Liberty Mutual $13,368 $8,717 $6,510
Nationwide $7,325 $7,325 $7,325
Progressive $11,388 $5,557 $3,991
State Farm $10,142 $6,357 $5,043
Travelers $11,248 $6,774 $5,764
USAA $8,164 $4,184 $3,687

Cheapest Oceanside, NY 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, NY to rates for a clean record with top companies.

Annual Oceanside, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,863 $5,863 $8,799 $7,528
GEICO $3,194 $3,485 $6,756 $3,194
Liberty Mutual $7,481 $7,481 $15,684 $7,481
Nationwide $5,490 $5,490 $12,697 $5,624
Progressive $6,773 $6,773 $7,547 $6,822
State Farm $6,816 $6,816 $7,545 $7,545
Travelers $6,679 $8,518 $8,635 $7,880
USAA $4,756 $4,836 $6,951 $4,836

Cheapest Oceanside, NY Car Insurance for Teen Drivers

Teen car insurance in Oceanside, NY 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, New York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,274 $15,210
GEICO $6,513 $9,679
Liberty Mutual $13,964 $20,178
Nationwide $10,129 $15,322
Progressive $14,538 $15,848
State Farm $13,496 $16,552
Travelers $13,510 $16,051
USAA $11,374 $13,456

Cheapest Oceanside, NY Car Insurance for Seniors

Take a look at Oceanside, NY 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, New York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,438 $4,484
GEICO $2,905 $2,862
Liberty Mutual $6,620 $6,620
Nationwide $5,034 $5,034
Progressive $3,339 $3,419
State Farm $3,992 $3,992
Travelers $5,195 $5,452
USAA $2,514 $2,510

Cheapest Oceanside, NY Car Insurance Rates After a DUI

A DUI in Oceanside, NY increases car insurance rates. Compare Oceanside, New York DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oceanside, New York

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,799
GEICO $6,756
Liberty Mutual $15,684
Nationwide $12,697
Progressive $7,547
State Farm $7,545
Travelers $8,635
USAA $6,951

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Cheapest Oceanside, NY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oceanside, New York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,913 $7,114
GEICO $4,034 $4,280
Liberty Mutual $9,255 $9,808
Nationwide $7,325 $7,325
Progressive $6,979 $6,979
State Farm $6,915 $7,446
Travelers $7,928 $7,928
USAA $5,290 $5,399

The Best Cheap Car Insurance Companies in Oceanside, NY

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

Average Annual Car Insurance Rates by Company in Oceanside, New York

Insurance Company Average Annual Rates
Allstate $7,013
GEICO $4,157
Liberty Mutual $9,531
Nationwide $7,325
Progressive $6,979
State Farm $7,181
Travelers $7,928
USAA $5,345

Category Winners: Cheapest Car Insurance in Oceanside, New York

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

Best Annual Car Insurance Rates by Company in Oceanside, New York

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

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Cheapest Oceanside, NY 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, NY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oceanside, New York

Insurance Company Low Medium High
Allstate $6,341 $6,970 $7,728
GEICO $3,885 $4,132 $4,455
Liberty Mutual $9,004 $9,504 $10,087
Nationwide $6,783 $7,248 $7,945
Progressive $6,530 $6,921 $7,485
State Farm $6,746 $7,231 $7,565
Travelers $7,366 $7,807 $8,612
USAA $5,135 $5,306 $5,593

What affects car insurance rates in Oceanside, New York?

What factors can have an impact on Oceanside, NY 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, New York.

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, NY is 39.4 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, NY traffic data from INRIX ranks Oceanside as the 411th-most congested in the world.

Compare Car Insurance Quotes in Oceanside, NY

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

Free Car Insurance Comparison

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