Oceanside Car Insurance

The Zebra
May 30, 2018

Car Insurance in Oceanside

Premiums in Oceanside sit under California's average by 8%, which is why the city is known for its low-cost premiums, so saving while insuring a vehicle in Oceanside is imperative. Let’s go over some ways to save on car insurance in Oceanside.

  • City Average: $1,572
  • State Average: $1,713
  • National Average: $1,427

Oceanside Car Insurance by Age

The most significant decline in premiums for Oceanside drivers happens when they hit their 20s. Once out of the teenage age range, individuals save, on average, 61% annually. Turning 70 triggers an increase in insurance rates, but up until that point drivers can anticipate premium reductions when they move between age groups. Among all age groups, drivers in their 60s have the smallest insurance premiums, with rates of $1,355/year. However, people in their 50s ($1,391) aren’t paying significantly more. Teenage drivers have the most expensive rates of any age group. They have car insurance payments that average $5,779 per year.

  • Teenagers: $5,779
  • 20s: $2,282
  • 30s: $1,545
  • 40s: $1,495
  • 50s: $1,391
  • 60s: $1,355
  • 70s: $1,513

Oceanside Car Insurance by Accident or Violation History

Do you have a history of accidents or violations? That can cost you in terms of premiums. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $2,929 is the additional cost per year for drivers with a DUI or reckless driving violation in Oceanside, compared to the city average of $1,572. No one plans on being in an accident, but things happen, so be aware of what one can do to your rates. In Oceanside, those who are found at-fault in an accident spend $855 more per year to insure their vehicle.

  • DUI: $4,501
  • Reckless Driving: $4,501
  • At-fault Accident (damages less than $1000): $2,427
  • At-fault Accident (damages greater than $2000): $2,427
  • Speeding Ticket (16-20 mph over speed limit): $2,119

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Oceanside Car Insurance by Gender and Marital Status

In Oceanside, numerous driver attributes, including gender and marital status, can play a part in car insurance premiums. However, premiums for women tend to be only a bit more pricey than for men. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being single, as opposed to married, can cost you an average of 4% more per year.

  • Female: $1,577
  • Male: $1,572
  • Single: $1,572
  • Married: $1,505
  • Divorced: $1,572
  • Widowed: $1,512

* Credit score is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance.