Table of contents
How much is car insurance in Oceanside?
|Area||Average Monthly Car Insurance Premium|
The cost of coverage in Oceanside is about $25 a month cheaper than it is for the rest of New York.
Compared to the national average cost of auto coverage, Oceanside has higher rates. It's about $93 more expensive for coverage in Oceanside than the average rates for the U.S. as a whole.
While these numbers represent the average monthly payments for coverage in Oceanside, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But worry not, we've done the heavy lifting and broken down the average rate for Oceanside to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
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 lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than someone who is at retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. As you get closer to retirement, however, you may see your rates start to rise again in Oceanside.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. The difference in Oceanside is about $47 a month. As you can see in the chart above, car insurance for women in the area typically costs around $138 each month, while men pay $185 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
|Multiple Tickets||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Oceanside, drivers with one accident on their record will experience rates around $189 a month.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$191|
|15 Years or Older||$118|
In terms of affordable coverage, the cheapest vehicles to insure in Oceanside are typically SUVs, at $130 per month.
Car owners, on the other hand, by and large pay around $174 per month, while truck and van drivers can expect to pay about $236 a month to insure their vehicle.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, if your car is about 5 years old, you can expect to see your rates start dropping 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)||$177|
More often than not, car insurance is slightly cheaper for married policyholders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Oceanside is no exception, with the difference totaling to around $77 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$170|
Your housing status is another factor that affects your monthly rate. Those who own their own home in Oceanside can expect to pay around $78 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Oceanside, NY
Recent trends in car insurance for Oceanside drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an auto insurance policy.
In Oceanside, car insurance rates had been decreasing from 2016-2018, when they reached a low of $116, but began to increase from 2019-2020. They finished down in 2021, at $166.
How does Oceanside compare to neighboring areas?
Why are car insurance rates in Oceanside different from other areas?
Car insurance companies look at numerous factors when they're deciding how much to charge for a policy. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:
- Off-street parking access
- Frequency of car accidents
- Number of drivers in the region
- Community regulations
- Rate of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
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.
Fortunately, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from numerous car insurance companies that offer coverage in Oceanside.
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 age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Oceanside different from other neighboring cities?
Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Oceanside?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Oceanside?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Oceanside or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.