Buy Cheap Oceano, CA Auto Insurance (2021)

Oceano, CA auto insurance rates average $241 a month. Minimum auto insurance requirements in Oceano, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Oceano, CA, compare Oceano auto insurance quotes from top companies.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Oceano after a DUI is Nationwide
  • Average auto insurance rates in Oceano, CA after a DUI are $4,067/year
  • Average auto insurance rates in Oceano, CA are $241/month

Finding affordable Oceano, California auto insurance can be challenging, but everything you need to know to buy cheap Oceano, CA auto insurance with confidence is right here. Auto insurance rates in Oceano are affected by local factors as well as personal ones like your driving record.

See how Oceano, CA car insurance rates compare to San Diego auto insurance rates, Bakersfield auto insurance rates, and Anaheim auto insurance rates before you read more about the cost of auto insurance in Oceano.

Don’t buy Oceano, CA auto insurance until you’ve compared rates. Get free Oceano, California auto insurance quotes when you enter your ZIP code above.

Oceano, CA Minimum Auto Insurance Requirements

The required auto insurance in Oceano, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Oceano, California is outlined here.

Minimum Required Auto Insurance Coverage in Oceano, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Oceano, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Oceano, California auto insurance rates? Find out how car insurance rates in Oceano, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Oceano, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,229 $2,231 $1,639 $1,655 $6,202 $7,800 $2,854 $3,137
Farmers $2,039 $2,039 $1,845 $1,845 $6,480 $10,570 $2,414 $2,688
GEICO $1,672 $1,673 $1,572 $1,572 $5,092 $5,181 $2,402 $2,456
Liberty Mutual $1,792 $1,693 $1,670 $1,617 $3,849 $4,115 $2,012 $2,037
Nationwide $2,662 $2,541 $2,341 $2,207 $6,755 $7,455 $3,172 $3,129
Progressive $1,281 $1,316 $1,088 $1,286 $3,338 $4,013 $1,825 $1,957
State Farm $2,238 $2,238 $2,000 $2,000 $4,101 $5,090 $2,475 $2,552
Travelers $1,993 $1,931 $1,773 $1,756 $4,059 $4,620 $2,572 $2,515
USAA $1,815 $1,719 $1,770 $1,776 $4,158 $4,180 $2,510 $2,371

Buy Cheap Oceano, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Oceano can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Oceano, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Oceano, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,202 $7,800
Farmers $6,480 $10,570
GEICO $5,092 $5,181
Liberty Mutual $3,849 $4,115
Nationwide $6,755 $7,455
Progressive $3,338 $4,013
State Farm $4,101 $5,090
Travelers $4,059 $4,620
USAA $4,158 $4,180

Buy Cheap Oceano, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Oceano, California by comparing Oceano senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Oceano, CA here.

Annual Auto Insurance Rates for Senior Drivers in Oceano, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,639 $1,655
Farmers $1,845 $1,845
GEICO $1,572 $1,572
Liberty Mutual $1,670 $1,617
Nationwide $2,341 $2,207
Progressive $1,088 $1,286
State Farm $2,000 $2,000
Travelers $1,773 $1,756
USAA $1,770 $1,776

Find Cheap Auto Insurance Rates in Oceano, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Oceano, California auto insurance. Compare Oceano, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Oceano, California

Insurance Company Low Medium High
Allstate $3,304 $3,496 $3,606
Farmers $3,468 $3,770 $3,982
GEICO $2,441 $2,732 $2,934
Liberty Mutual $2,179 $2,369 $2,496
Nationwide $3,385 $3,851 $4,113
Progressive $1,815 $2,074 $2,151
State Farm $2,565 $2,881 $3,064
Travelers $2,311 $2,724 $2,923
USAA $2,298 $2,587 $2,727

Find Cheap Oceano, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Oceano. Compare auto insurance rates in Oceano, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Oceano, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,135 $3,802
Farmers $3,393 $4,087
GEICO $2,455 $2,950
Liberty Mutual $2,157 $2,539
Nationwide $3,344 $4,222
Progressive $1,827 $2,199
State Farm $2,733 $2,940
Travelers $2,395 $2,910
USAA $2,338 $2,737

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Find Cheap Oceano, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Oceano, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Oceano, CA, take a look at the average cost for various violations versus rates for a clean driving record in Oceano.

Annual Oceano, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,102 $3,522 $5,501 $2,750
Farmers $2,769 $3,767 $4,686 $3,738
GEICO $1,889 $2,920 $3,658 $2,343
Liberty Mutual $2,038 $2,729 $2,465 $2,160
Nationwide $2,644 $3,388 $5,712 $3,388
Progressive $1,328 $2,237 $2,579 $1,907
State Farm $2,022 $2,413 $4,563 $2,348
Travelers $1,792 $2,880 $3,332 $2,606
USAA $1,687 $2,512 $4,104 $1,847

Find Cheap Oceano, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Oceano, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Oceano for less when you shop around and compare rates from multiple Oceano, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Oceano, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,501
Farmers $4,686
GEICO $3,658
Liberty Mutual $2,465
Nationwide $5,712
Progressive $2,579
State Farm $4,563
Travelers $3,332
USAA $4,104

Winners by Category: Where to Buy Cheap Auto Insurance in Oceano, CA

Compare rates from the cheapest auto insurance companies in Oceano, CA for your needs. Take a look at how Oceano, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Oceano, California

Category Insurance Company
Teenagers Progressive
Seniors Progressive
Clean Record Progressive
With 1 Accident Progressive
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Find Cheap Oceano, California Auto Insurance Companies

If you’re looking for the cheapest Oceano, CA auto insurance companies overall, you can compare them here. Find the best price for Oceano, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Oceano, California

Insurance Company Average Annual Rates
Allstate $3,469
Farmers $3,740
GEICO $2,702
Liberty Mutual $2,348
Nationwide $3,783
Progressive $2,013
State Farm $2,837
Travelers $2,653
USAA $2,537

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What affects Oceano, California auto insurance rates?

Local factors affect auto insurance rates in Oceano, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Oceano auto insurance rates.

Commute Times in Oceano

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Oceano, CA is 20.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Oceano, CA

You can buy cheap Oceano, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Oceano, California auto insurance quotes from top companies.

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