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In This Article:
How much is car insurance in Oceanside?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Oceanside is about $19 a month cheaper than it is for the rest of New York.
On the other hand, Oceanside residents should prepare to pay higher rates for coverage than the rest of the country. You can expect to pay about $99 more for your policy in Oceanside.
While these are the average car insurance rates for Oceanside, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Oceanside residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. That experience can turn into some real savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement, your rates may begin to go back up in Oceanside.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in average rates in Oceanside totals about $14 a month. As illustrated in the table above, female drivers in the area pay about $170 on average, while male drivers pay around $184 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Oceanside, a driving record with one accident will usually get you a rate around $193 a month.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$191|
|15 Years or Older||$127|
According to the first table above, SUVs are typically the cheapest vehicles to insure in Oceanside, with drivers paying around $139 per month for insurance.
Truck and van drivers will see rates of about $236, while the rates for car owners average out to about $183 per month.
Vehicle age can also affect your monthly bill. 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, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$176|
More often than not, married policyholders will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
The difference in rates based on relationship status in Oceanside can be as much as $76 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$165|
One other element taken into consideration is your living accommodations. If you rent your home or apartment, expect to pay around $88 a month more than if you own your own home in Oceanside. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Oceanside, NY
Recent trends in car insurance for Oceanside drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The rates for auto insurance in Oceanside declined from 2016-2018, when they reached a low of $116. This changed in 2019, when rates began to increase. This trend has continued through the present, where rates recently hit $225.
How does Oceanside compare to neighboring areas?
Why are car insurance rates in Oceanside different from other areas?
Car insurance companies will take into account a variety of factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Local regulations
- Number of car accidents
- Crime levels
- Off-street parking availability
- Number of drivers in the area
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Oceanside?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Oceanside.
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Oceanside Insurance FAQs
What factors affect car insurance quotes in Oceanside?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Oceanside different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Oceanside?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Oceanside?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Oceanside or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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