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Get Cheap Car Insurance in Ocean Shores, WA
We monitor insurance prices, helping the average driver in Ocean Shores save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Ocean Shores
The chart below shows the cheapest car insurance company in Ocean Shores for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Progressive, and Geico.
| Ocean Shores Insurer | Monthly Cost |
|---|---|
| Metromile | $48 |
| State Farm | $53 |
| Progressive | $58 |
| Geico | $63 |
Savings for Every Kind of Ocean Shores Driver
Based on our extensive insurance data, we know the average Ocean Shores driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $402 per year by choosing the right vehicle insurance company. Some Ocean Shores residents are paying out over $1,372 extra every year for auto insurance in Ocean Shores. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Ocean Shores, WA Savings / Yr. |
|---|---|
$402 |
|
$709 |
|
$511 |
|
$387 |
|
$1,468 |
|
$277 |
|
$476 |
Ocean Shores Car Insurance vs. Washington
People living in Ocean Shores pay an average of 2.31% less than the typical driver in the state. The average driver in Ocean Shores can expect to pay about $825 per year, or $1,372 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Ocean Shores for most people.
Car Insurance Prices by Ocean Shores Neighborhood
Insurance Prices
Where is insurance cheapest within Ocean Shores?
The map shows insurance prices in and around Ocean Shores, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $230 per year within the city boundaries, with insurance premiums ranging from a high of $1,489 to a low of $1,259. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Ocean Shores.Pick the Best Car Insurance Company for You in Ocean Shores
The best car insurance provider for most drivers in Ocean Shores
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $402 over the average Ocean Shores car insurance company.
The best car insurance provider for Ocean Shores drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $709 over the competition.
The best car insurance company for Ocean Shores drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $511 better than other car insurance companies.
The best auto insurance for Ocean Shores drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $387 less each year.
The least expensive car insurance company for new and young drivers in Ocean Shores
In Ocean Shores, State Farm costs young drivers $1,468 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Ocean Shores
State Farm gave the largest car insurance discounts to married couples, averaging $277 saved each year compared to an average Ocean Shores couple's premiums.
The cheapest car insurance in Ocean Shores for drivers with bad credit
The best Ocean Shores car insurance company for customer service
Nationwide was the best company for customer service in Ocean Shores according to the NAIC.
Recent price drops
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The cheapest large national provider in Ocean Shores
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Ocean Shores driver can expect to pay about $98 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Ocean Shores, USAA has the best prices for young drivers, married couples, drivers with bad credit, drivers with accidents, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Ocean Shores
What Influences the Cost of Car Insurance in Ocean Shores?
On average, car insurance in Ocean Shores is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Washington state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Ocean Shores are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Ocean Shores is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Ocean Shores is $69 per month for minimum coverage and $114 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Westport: Insurance costs 2.99% less
- Ocosta: Insurance costs 6.56% more
- Newton: Insurance costs 3.94% more
- Copalis Beach: Insurance costs 3.86% less
- Grays Harbor City: Insurance costs 1.02% less
- New London: Insurance costs 0.73% less
- Markham: Insurance costs 6.56% more
- Hoquiam: Insurance costs 0.73% more
- Grayland: Insurance costs 3.28% less
- Bay City: Insurance costs 0.66% less
Cities with Similar Populations
- Neptune Beach: Insurance costs 82.07% more
- Nolanville: Insurance costs 17.49% more
- Nitro: Insurance costs 12.03% more
- Nicholls: Insurance costs 18.15% more
- New Tazewell: Insurance costs 0.07% more
- New Lexington: Insurance costs 16.69% less
- New Lebanon: Insurance costs 20.85% less
- New Freedom: Insurance costs 4.59% less
- New Castle: Insurance costs 30.83% more
- New Boston: Insurance costs 27.41% more