Oceanside, CA Car Insurance

On average, Oceanside drivers pay a monthly average rate of around $52 for their car insurance. For more information refer to our guide below.
Are rates in Oceanside higher or lower than those in neighboring areas? How do they compare to the rest of California? What can Oceanside residents expect to pay for their car insurance? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Oceanside?

Area Average Monthly Car Insurance Premium
Oceanside$52
CA$56
United States$80

Based on the chart above, you can see that it's about $4 a month cheaper to insure your vehicle in Oceanside than it is in the rest of California.

Likewise, car insurance rates in Oceanside are more affordable than the national average. The average monthly payment in Oceanside is about $28 less than the rate for the rest of the United States.

These may be the average auto insurance rates for Oceanside, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.

We've done the heavy lifting for you and broken down the average rate for Oceanside so that you can get a more accurate idea of what your monthly bill might be. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$126
18-24$75
25-34$46
35-44$42
45-54Not Enough Data
55-64$41
65+$43

Generally, the older you are, the more experienced you are on the roads, right? When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates rise again in Oceanside.

Average Car Insurance Rates by Gender

Gender Average
Male$53
Female$50

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Oceanside, although women do pay a little bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$62
Multiple Accidents$68
1 Ticket$70
Multiple Tickets$147

Depending on your driving record, your rates can vary quite a lot. Those with clean records will obviously pay much less than those with infractions. In Oceanside, drivers with one accident on their record will experience rates around $62 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $70 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$56
2-3 Years$50
4-5 Years$56
6-7 Years$55
8-10 Years$50
11-14 Years$51
15 Years or Older$51

If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Oceanside, with drivers paying around $46 per month for insurance coverage.

Car owners can expect to pay an average of around $53 a month for their policy, while SUVs usually cost around $50 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. In Oceanside, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$55
Married$49
Divorced$45
Widowed$37

Generally, those who are currently married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Oceanside as well, where the difference is around $6 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$47
Rent$52
Live with parents$75

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $5 a month more than those who own their own home in Oceanside. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Oceanside, CA

Recent trends in car insurance for Oceanside drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

Rates in Oceanside have been mixed recently. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $56 in 2021.

How does Oceanside compare to neighboring areas?

Why are car insurance rates in Oceanside different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live. These include things like:

  • Number of drivers in the region
  • Road Safety (how many accidents each locality has)
  • Regional laws
  • Crime levels
  • Off-street parking availability

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Oceanside?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering auto coverage in Oceanside in no time.

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Oceanside Insurance FAQs

What factors affect car insurance quotes in Oceanside?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Oceanside different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Oceanside?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Oceanside?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Oceanside or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes