Cheap Car Insurance in Oceanside, California ( With 2024 Rates)

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Lowest Premium

$383 / YEAR

Average Premium

$599 / YEAR

Highest Premium

$779 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Oceanside is around $599 and can go upto $779. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Auto Insurance Requirements in California

By law, the state requires a minimum of 15/30/5 for auto insurance as explained below:

$15,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $30,000. The amount is the same for deaths of two or more people caused by one accident
$5,000 for damage to the property of other people.

Car Insurance Companies in California and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Progressive Insurance. But the major players are State Farm, Allstate and Farmers insurance in order.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$313	3.9826% ($566,768,855)	66
Progressive	$533	1.0974% ($156,172,025)	36
Allstate	$544	7.5870% ($1,079,711,625)	50
Nationwide	$693	0.6784% ($96,539,693)	9
Farmers	$723	6.0130% ($855,712,148 )	32
State Farm	$746	14.1983% ($2,020,561,254)	50

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Car Insurance Rates in Oceanside by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Oceanside. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
92018	$
92049	$609
92054	$596
92057	$594
92058	$570

Insurance Agents in Oceanside, CA and Near by

1.34 mi

Gabriela Jimenez-Underwood

206 1/2 N Coast Hwy Ste 302, Oceanside, CA 92054

(760) 439-9323

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1.34 mi

Pacific Choice Auto Registration & Insurance

602 Mission Ave, Oceanside, CA 92054

(800) 840-2464

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1.34 mi

Gateway Insurance Agency

207 N Ditmar St, Oceanside, CA 92054

(760) 439-1323

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1.34 mi

Leading Edge Insurance Services

421 S Coast Hwy Ste B, Oceanside, CA 92054

(760) 433-5196

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1.34 mi

Tecker Insurance Agency

1012 S Coast Hwy Ste J, Oceanside, CA 92054

(760) 757-3334

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1.34 mi

Larry Cavins

1310 Union Plaza Ct Ste 104, Oceanside, CA 92054

(760) 967-2918

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1.34 mi

Fred Loya Insurance Agency

1950 Oceanside Blvd Ste L, Oceanside, CA 92054

(760) 439-4133

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1.34 mi

Angie Diane Holt

1817 S Coast Hwy Ste A, Oceanside, CA 92054

(760) 433-1700

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1.34 mi

Garry Meeker

2110 S Coast Hwy Ste N, Oceanside, CA 92054

(760) 439-9191

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1.34 mi

Marcus O'bannon

2110 S Coast Hwy Ste N, Oceanside, CA 92054

(760) 722-7400

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1.34 mi

Robin House

2110 S Coast Hwy Ste N, Oceanside, CA 92054

(760) 439-9196

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1.34 mi

JMI Insurance

2424 Vista Way Ste 310, Oceanside, CA 92054

(888) 229-3196

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1.34 mi

Luke Dix

2424 Vista Way Ste 101, Oceanside, CA 92054

(760) 754-2636

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1.34 mi

Jerry Myslinski

2424 Vista Way, Oceanside, CA 92054

(888) 229-3196

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1.34 mi

Policy Point Insurance Services

2003 S El Camino Real Ste 102, Oceanside, CA 92054

(760) 650-5547

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1.34 mi

Bashir Nasim

2103 S El Camino Real Ste 102, Oceanside, CA 92054

(760) 434-7200

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1.34 mi

Paul Cassidy

2170 S El Camino Real Ste 222, Oceanside, CA 92054

(760) 966-1200

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1.34 mi

All Access Insurance Services

2216 S El Camino Real Ste 209, Oceanside, CA 92054

(800) 808-2695

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5.16 mi

Stallman Insurance Agency

4462 Summer Dr, Oceanside, CA 92056

(760) 842-1310

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5.16 mi

T L Cheetham Insurance

1820 Peacock Blvd Ste G, Oceanside, CA 92056

(760) 631-2020

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5.16 mi

Allstate Insurance - Brook Daly Insurance Agency

4749 Oceanside Blvd Ste D, Oceanside, CA 92056

(760) 945-0912

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5.16 mi

Sam Williamson

4065 Oceanside Blvd Ste A, Oceanside, CA 92056

(760) 757-0601

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5.16 mi

PMCU Insurance Services

1278 Rocky Point Dr, Oceanside, CA 92056

(844) 788-0280

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5.16 mi

Borna Eftekari

4144 Avenida De La Plata Ste A, Oceanside, CA 92056

(760) 402-9653

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5.16 mi

The Insurance Place

3829 Plaza Dr Ste 603, Oceanside, CA 92056

(760) 643-2100

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5.16 mi

Active Auto Insurance Services

3910 Vista Way Ste 113, Oceanside, CA 92056

(760) 412-5487

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5.16 mi

Dashers Insurance

3809 Plaza Dr Ste 108, Oceanside, CA 92056

(760) 631-5800

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5.16 mi

John Cho

3520 College Blvd Ste 104, Oceanside, CA 92056

(760) 758-4115

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5.16 mi

Barrie Elliott

3520 College Blvd Ste 105, Oceanside, CA 92056

(760) 560-9090

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5.16 mi

Glenn Domingo

3520 College Blvd Ste 105, Oceanside, CA 92056

(866) 486-3276

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5.16 mi

Steven Kress Gibbs

3800 Oceanic Dr Ste 110, Oceanside, CA 92056

(760) 744-2990

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5.16 mi

Double Diamond Financial & Insurance

3548 Seagate Way Ste 110, Oceanside, CA 92056

(760) 757-3554

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5.16 mi

Eric Opdahl

3548 Seagate Way Ste 130, Oceanside, CA 92056

(760) 945-4900

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5.16 mi

AAA Insurance

3330 Vista Way, Oceanside, CA 92056

(760) 433-6261

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5.16 mi

Gregory Pierro

3656 Ocean Ranch Blvd, Oceanside, CA 92056

(858) 799-0978

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5.16 mi

Beau Breese

3650 Ocean Ranch Blvd, Oceanside, CA 92056

(760) 231-7999

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5.16 mi

Michelle McGowan

3602 Ocean Ranch Blvd, Oceanside, CA 92056

(760) 439-4747

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5.68 mi

Freeway Insurance

1919 Mission Ave Ste D, Oceanside, CA 92058

(760) 547-2884

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5.68 mi

George Alves

3815 Mission Ave Ste 201, Oceanside, CA 92058

(760) 433-9001

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6.64 mi

Garry Grace Insurance Agency

4445 San Joaquin St, Oceanside, CA 92057

(760) 967-0861

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6.64 mi

Soliman Insurance Agency

1001 Augusta Cir, Oceanside, CA 92057

(661) 263-6464

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View all agents ↓

Learn More About Car Insurance in Oceanside, CA

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Oceanside, California (With 2024 Rates)