Buy Cheap Oceanside, CA Auto Insurance

The average annual auto insurance rates in Oceanside, CA are around $3,417 ($284/mo). The cheapest auto insurance company in Oceanside, CA is GEICO, although rates will vary for each person. Oceanside, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Oceanside, California, auto insurance rates online to get the best price for you.

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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 overwhelming world o...

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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 15, 2021

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A Concise Overview

  • The average annual auto insurance rates for Oceanside, CA are $3,417 ($284/mo)
  • The cheapest Oceanside, CA auto insurance company is GEICO, and the second cheapest is Progressive
  • Oceanside, CA auto insurance rates are affected by the traffic that is shared with Escondido as well as San Diego
  • The average commute time for Oceanside is 28.2 min

Oceanside, CA average annual auto insurance rates are slightly cheaper when compared to the state average. They are about the same as Escondido rates, surprisingly, about the same as San Diego rates.

You can save on Oceanside, California, auto insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on how to buy auto insurance in Oceanside, California for every age, credit history, and driving record.

By examining rates and companies in Oceanside, CA, weather the storm of finding cheap auto insurance.

Ready to find affordable Oceanside, CA auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Oceanside, CA?

The cheapest auto insurance company in Oceanside, based on average rates, is GEICO which offers car insurance only to military affiliates. Progressive offers the second-cheapest rates.

The top auto insurance companies in Oceanside, CA, ranked from cheapest to most expensive are:

  • GEICO – $2,496
  • Progressive – $2,651
  • USAA – $2,918
  • Liberty Mutual – $2,920
  • Travelers – $3,046
  • State Farm – $4,008
  • Farmers – $4,145
  • Allstate – $4,216
  • Nationwide – $4,353

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

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What auto insurance coverage is required in Oceanside, CA?

All Oceanside drivers have to meet the California state law minimum requirements to buy auto insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Oceanside, CA?

Oceanside is the 28th largest city in California and about a 20 min drive from Escondido and about a 40 min drive from San Diego. Let’s take a look at how Oceanside auto insurance rates compare to other cities in California.

Beverly Hills, CA — $6,188 (most expensive)
Escondido, CA — $3,442
Oceanside, CA — $3,417
San Diego, CA — $3,446
Los Ranchos, CA — $2,731 (cheapest)

INRIX doesn’t rank Oceanside or Escondido but does rank San Diego.

INRIX ranks San Diego as the 17th most congested city in the U.S. Oceanside is east of Escondido and north of San Diego, so traffic heading to a larger city can affect auto insurance rates.

City-Data reports an average commute time for Oceanside is 28.2 minutes.

Car theft in Oceanside also affects rates. The FBI’s most recent annual statistics list 496 car thefts in a city population of 176,815. That’s a rate of 281 cars stolen per 100,000 population.

Oceanside, CA Auto Insurance: The Bottom Line

Oceanside has lower than average auto insurance rates compared to other cities of its size in California, but you can still save by shopping around and comparing.

Before you buy auto insurance in Oceanside, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Oceanside, CA auto insurance quotes.

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