Get Cheap Car Insurance in Oceanside CA

  1. Residents of Oceanside Can Save Up To $490 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Oceanside

 

What's the Cost of Car Insurance in Oceanside?

We have been able to help several drivers in Oceanside CA locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Oceanside California, the annual rates had a difference of up to $1111. Specifically, this means that the cheapest price was $836 and the most expensive was $1947.

Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of Oceanside is important in getting the cheapest car insurance rates.

Lowest Average Highest
$836 $1216 $1947

Insurance Prices: Oceanside vs. National/State Averages

Oceanside has low-cost car insurance premiums that are below the state's average. It costs $603 less per year than California's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in Oceanside. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1216 $1819 $1479

Oceanside CA Average Car Insurance Savings by Neighborhood

If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of Oceanside to give you a sense of where you can find the lowest costs.

The difference was -$32 between the cheapest neighborhood in Oceanside CA with a rate of $1184 on average and a +$1084 difference between the priciest area in Oceanside CA with an average price of $2300.

# Neighborhood Average Rate
  Oceanside $1216
1 National City +$1084
2 El Cajon +$82
3 Escondido +$78
4 La Mesa +$28
5 Poway +$27
6 Chula Vista +$22
7 Santee -$1
8 Encinitas -$32

Let's go over some ways to save on car insurance in Oceanside

Oceanside Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Oceanside. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $55 more per year compared to being married, and being a man can typically cost up to $365 more per year in Oceanside CA as opposed to being a woman.

Oceanside Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Oceanside CA is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $2650 a year for insurance on average. This is far higher than the state average of $1819, and $1434 higher than Oceanside' average. When gender is taken into account the difference between male and female teens in Oceanside CA is $12.

The effect of DUIs on insurance premiums in Oceanside CA

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Oceanside then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1216 all the way up to $2261. That means that on average the cost for conviction in Oceanside CA can be an increase of $1045.

DUI City Average
$2261 $1216

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Find Local Oceanside Agents

Allstate Insurance: Beau Breese

3650 Ocean Ranch Blvd Oceanside CA 92056 United States

Gateway Insurance Agency Inc

207 N Ditmar St Oceanside CA 92054 United States

Leading Edge Insurance Services Inc.

421 S Coast Hwy Oceanside CA 92054 United States

Oceanside in Brief

  • $1216

    the average Oceanside resident's annual cost of coverage

  • $490

    our customer's average savings after comparing insurance

  • 15/30/5

    minimum insurance requirements in Oceanside CA

Area We Serve

92003, 92049, 92051, 92052, 92054, 92056, 92057, 92058

Oceanside Map

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