Best Cheap Auto Insurance in Oceanside, CA (2021)

The cheapest auto insurance in Oceanside, CA is from GEICO, and drivers are required to carry the state minimum auto insurance coverage of 15/30/5. However, San Bernardino drivers who can’t afford car insurance may qualify for the California Low-Cost Auto (CLCA) program, which offers very low coverage amounts. Compare Oceanside, CA auto insurance rates online to find the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 22, 2021

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Things to Remember

  • GEICO has the cheapest auto insurance in Oceanside, CA
  • California offers low-cost car insurance for low-income drivers who meet certain requirements
  • Auto insurance rates in Oceanside are affected by the young drivers from Camp Pendelton

Auto insurance in Oceanside, CA is lower than average for the state but higher than average for the U.S. California auto insurance is among the highest in the nation, but there are ways to bring down those prices.

The best way to find cheap auto insurance is to shop around and compare auto insurance quotes for Oceanside, CA. Each company will charge different rates so compare multiple companies to find the best deal.

Enter your ZIP code now to find affordable auto insurance in Oceanside, CA.

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

The cheapest auto insurance company in Oceanside, CA is GEICO. This is based on average rates, but your personal information can influence those prices.

The top Oceanside, CA auto insurance companies are:

  • GEICO – $2,496.15
  • Progressive – $2,650.62
  • USAA – $2,918.19
  • Liberty Mutual – $2,920.07
  • Travelers – $3,046.50
  • State Farm – $4,007.91
  • Farmers – $4,144.73
  • Allstate – $4,216.12
  • Nationwide – $4,353.31

The best company for you will depend on many different factors, such as age, marital status, driving record, ZIP code, and credit score. California does not allow gender to be used to calculate auto insurance rates.

There is also low-cost auto insurance available for low-income drivers in California. The California Low-Cost Auto (CLCA) program offers very low coverage that is below the state minimum for drivers who meet certain requirements.

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What auto insurance coverage is required in Oceanside, CA?

Almost every state requires drivers to carry a certain minimum amount of auto insurance to drive legally.

Oceanside drivers must carry these minimum auto insurance coverages in California:

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

These minimums are very low, and drivers should consider carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

What affects auto insurance rates in Oceanside, CA?

Oceanside has a lot of drivers on the road, which can mean a higher chance of an accident.

INRIX reports that Oceanside, CA ranks 56th for the most congested city in the country. With Camp Pendleton nearby, there are a large number of young male drivers on the roads. This can also drive up auto insurance prices.

According to City-Data, most commuters travel 20 minutes or less. Most drivers prefer to spend that time alone.

Oceanside had 496 motor vehicle thefts, according to the FBI. The equals about one theft for every 356 people.

Oceanside, CA Auto Insurance: The Bottom Line

Although auto insurance rates in Oceanside, CA are higher than the national average, you can still get good deals. Shopping around will help you see how companies stack up against each other.

Before you buy auto insurance in Oceanside, CA, enter your ZIP code and compare quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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