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What's the average cost of car insurance in Oceanside?

 

The average cost of auto insurance in Oceanside is $1,720 per year. That's less expensive than the average across California ($1,868) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Oceanside.

 
OCEANSIDE CAR INSURANCE RATES
Oceanside Average (yearly) California Average United States Average
$1,720 $1,868 $1,548
 
Jump to Oceanside car insurance premiums by:

 

Oceanside auto insurance rates by insurer

 

The company-by-company differences in car insurance rates can be substantial, so it's important to analyze quotes thoroughly and choose your auto insurer carefully. In Oceanside, GEICO provides the most affordable rates for the typical insurance customer. We've listed the best cheap car insurance companies in Oceanside below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

 
OCEANSIDE CAR INSURANCE RATES BY COMPANY
Insurance Company Average Annual Rate
GEICO $1,159
Mercury $1,371
AAA $1,610
Infinity $1,696
Farmers $1,721
 

Consult our expert guide to finding the best cheap car insurance.

 

Oceanside car insurance premiums by age

The age group that pays the least for car insurance in Oceanside are drivers in their 60s ($1,540 per year). Rates for Oceanside drivers in their 50s are also relatively affordable, at just $1,548 per year.

Teenage drivers pay Oceanside's most expensive car insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Oceanside is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Oceanside is $3,729. That's the biggest gap in premiums between any pair of age brackets.

 
OCEANSIDE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracket Average Annual Rate
Teenagers $6,251
20s $2,522
30s $1,675
40s $1,619
50s $1,548
60s $1,540
70s $1,790
 

Learn more about the impact of age on car insurance premiums.

 

Oceanside auto insurance rates by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Oceanside pay $71 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Oceanside, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Oceanside, female drivers pay $4 per year more than do male drivers for car insurance.

 
OCEANSIDE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital Status Average Annual Rate
Female $1,724
Male $1,720
Single $1,649
Married $1,649
Divorced $1,720
Widowed $1,672
 

Read more about the relationships between gender, marital status and insurance rates.

 

Oceanside auto insurance costs by accident and citation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Oceanside drivers found guilty of reckless driving face insurance rate increases of $2,980 per year, compared to the citywide average. A DUI violation may lead to a $2,893 increase, while a citation for speeding leads to a $693 rate hike.

 
OCEANSIDE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident Average Annual Rate
DWI/DUI $4,613
Reckless Driving $4,700
At-fault Accident (damages less than $1,000) $1,727
At-fault Accident (damages greater than $2,000) $3,002
Speeding Ticket (16-20 mph over speed limit) $2,413
 

Learn more about how citations can raise your auto insurance rates.

 

Oceanside car insurance costs by credit score

 

In many cases, a driver's credit level is closely correlated with their auto insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance.

California, however, is one of a few states that has outlawed the practice of using credit score as a rating factor. In Oceanside, drivers with poor credit pay the same rate as drivers with excellent credit.

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 

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Ava Lynch photo
Ava LynchSenior Analyst

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior analyst, providing insights and data analysis as one of The Zebra's property and casualty insurance experts.

Ava’s insurance career began as an agent with Farmers Insurance. Over the years, she has become an authority in all things property and casualty insurance, helping her to write informative guides for shoppers.

Ava’s work has been cited in publications such as InvestopediaThe BalanceMoney.comLiberty Mutual, U.S. News & World Report, GasBuddy, Car and Driver and Yahoo! Finance.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.