Compare Oceanside, CA Car Insurance Rates (2021)

The average annual car insurance rates in Oceanside, CA are around $3,417 ($284/mo). The cheapest car insurance company in Oceanside, CA is GEICO, although rates will vary for each person. Oceanside, CA car insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Oceanside, California auto insurance rates online to get the best price for you.

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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: Mar 5, 2021

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Here’s What You Need To Know

  • The average annual car insurance rates for Oceanside, CA are $3,417 ($284/mo)
  • The cheapest car insurance company in Oceanside, CA is GEICO, and the second cheapest is Progressive
  • Oceanside, CA rates are affected by the traffic that is shared with Escondido as well as San Diego
  • The average commute time for Oceanside is 28.2 min

Oceanside, CA average annual car insurance rates are slightly cheaper when compared to the state average. They are about the same as Escondido rates, surprisingly, about the same as San Diego rates.

You can save on Oceanside, California car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Oceanside, California for every age, credit history, and driving record.

Ready to find affordable car insurance in Oceanside, CA? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Oceanside, CA?

The cheapest car insurance company in Oceanside, based on average rates, is GEICO which offers car insurance only to military affiliates. Progressive offers the second-cheapest rates.

The top car insurance companies in Oceanside, CA, ranked from cheapest to most expensive are:

  • GEICO – $2,496
  • Progressive – $2,651
  • USAA – $2,918
  • Liberty Mutual – $2,920
  • Travelers – $3,046
  • State Farm – $4,008
  • Farmers – $4,145
  • Allstate – $4,216
  • Nationwide – $4,353

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What car insurance coverage is required in Oceanside, CA?

All Oceanside drivers have to meet the California state law minimum requirements to buy car insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects car insurance rates in Oceanside, CA?

Oceanside is the 28th largest city in California and about a 20 min drive from Escondido and about a 40 min drive from San Diego. Let’s take a look at how Oceanside auto insurance rates compare to other cities in California.

Beverly Hills, CA — $6,188 (most expensive)
Escondido, CA — $3,442
Oceanside, CA — $3,417
San Diego, CA — $3,446
Los Ranchos, CA — $2,731 (cheapest)

INRIX doesn’t rank Oceanside or Escondido but does rank San Diego.

INRIX ranks San Diego as the 17th most congested city in the U.S. Oceanside is east of Escondido and north of San Diego, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Oceanside is 28.2 minutes.

Car theft in Oceanside also affects rates. The FBI’s most recent annual statistics list 496 car thefts in a city population of 176,815. That’s a rate of 281 cars stolen per 100,000 population.

Oceanside, CA car Insurance: The Bottom Line

Oceanside has lower than average car insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy car insurance in Oceanside, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Oceanside, CA car insurance quotes.

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