Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Oceanside, WA
We monitor insurance prices, helping the average driver in Oceanside save up to 34.8% on car insurance.
The Cheapest Minimum Coverage in Oceanside
The chart below shows the cheapest car insurance company in Oceanside 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.
| Oceanside Insurer | Monthly Cost |
|---|---|
| Metromile | $47 |
| State Farm | $52 |
| Progressive | $57 |
| Geico | $62 |
Savings for Every Kind of Oceanside Driver
Based on our extensive insurance data, we know the average Oceanside 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 $392 per year by choosing the right vehicle insurance company. Some Oceanside residents are paying out over $1,338 extra every year for auto insurance in Oceanside. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Oceanside, WA Savings / Yr. |
|---|---|
$392 |
|
$692 |
|
$499 |
|
$378 |
|
$1,433 |
|
$271 |
|
$464 |
Oceanside Car Insurance vs. Washington
People living in Oceanside pay an average of 4.67% less than the typical driver in the state. The average driver in Oceanside can expect to pay about $805 per year, or $1,338 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Oceanside for most people.
Car Insurance Prices by Oceanside Neighborhood
Insurance Prices
Where is insurance cheapest within Oceanside?
The map shows insurance prices in and around Oceanside, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $6 per year within the city boundaries, with insurance premiums ranging from a high of $1,340 to a low of $1,334. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Oceanside.Pick the Best Car Insurance Company for You in Oceanside
The best car insurance provider for most drivers in Oceanside
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $392 over the average Oceanside car insurance company.
The best car insurance provider for Oceanside 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 $692 over the competition.
The best car insurance company for Oceanside drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $499 better than other car insurance companies.
The best auto insurance for Oceanside drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $378 less each year.
The least expensive car insurance company for new and young drivers in Oceanside
In Oceanside, State Farm costs young drivers $1,433 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Oceanside
State Farm gave the largest car insurance discounts to married couples, averaging $271 saved each year compared to an average Oceanside couple's premiums.
The cheapest car insurance in Oceanside for drivers with bad credit
The best Oceanside car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Oceanside, which was better than other insurers.
The cheapest large national provider in Oceanside
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Oceanside 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 Oceanside, 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 Oceanside
What Influences the Cost of Car Insurance in Oceanside?
On average, car insurance in Oceanside 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:
- The average commute time in Oceanside is 25 minutes, which is far less than average for a driver in the state.
- 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 Oceanside are among the lowest 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.
- Oceanside is one of the least populated areas 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 Oceanside is $67 per month for minimum coverage and $112 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
- Long Beach: Insurance costs 0.52% more
- Seaview: Insurance costs 0.45% more
- Ocean Park: Insurance costs 5.61% more
- Ilwaco: Insurance costs 1.20% more
- Stringtown: Insurance costs 3.81% more
- Chinook: Insurance costs 3.81% more
- Oysterville: Insurance costs 3.74% more
- Naselle: Insurance costs 0.67% less
- Menlo: Insurance costs 2.24% less
- Bay Center: Insurance costs 1.94% less
Cities with Similar Populations
- Marys Corner: Insurance costs 2.39% more
- Sabinsville: Insurance costs 0.07% more
- Rudd: Insurance costs 8.74% less
- Ruble: Insurance costs 35.65% more
- McVay: Insurance costs 13.38% more
- McMahan: Insurance costs 20.03% more
- Adams: Insurance costs 7.03% more
- Mazie: Insurance costs 26.23% more
- Mayfield: Insurance costs 0.15% less
- Matthews: Insurance costs 32.29% more