Oceanside Car Insurance

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 AverageUnited States Average
$1,720$1,868$1,548

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Oceanside auto insurance rates by insurer


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your 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 CompanyAverage 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 age_60s ($1,540per year). Rates for Oceanside drivers in their age_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 bracketAverage 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 StatusAverage 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
IncidentAverage 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. In fact, Oceanside drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Oceanside, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.


OCEANSIDE CAR INSURANCE PREMIUMS BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$1,720
Fair$1,720
Good$1,720
Very Good$1,720
Exceptional$1,720

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



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.