Cheapest Car Insurance Quotes in Ocean Beach

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Ocean Beach Car Insurance

^$ 63

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Ocean Beach

The car insurance rate in Ocean Beach is $1471 for a six-month policy, which is $442 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $789, making it a popular choice for budget-conscious drivers. Rates in Ocean Beach can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Ocean Beach

$1471

Avg. Car Insurance in New York

$1029

National Average

$1140

Cheapest Car Insurance Companies in Ocean Beach

1st place: Kemper

At $789 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: New York Central Mutual Fire

New York Central Mutual Fire offers auto insurance rates at $1045 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1054 for six months, making it the third cheapest auto insurance company in Ocean Beach.

Ocean Beach Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ocean Beach, NY is Kemper, offering policies at just $789 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1045.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2199 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ocean Beach drivers find the best deals.

Cheap Car Insurance Companies in Ocean Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$789	$134
New York Central Mutual Fire	$1045	$174
Progressive	$1054	$177
American Family	$1223	$206
NYCM	$1283	$216
Erie	$1537	$256
Nationwide	$1546	$263
USAA	$1554	$262
State Farm	$1928	$325
Travelers	$2031	$342
Allstate	$2199	$370

Key Takeaways

Way's key takeaways about car insurance in Ocean Beach

The auto insurance costs in Ocean Beach fall around $789 for six months.
The cheapest auto insurance company in Ocean Beach is New York Central Mutual Fire.
Teen drivers pay the highest rate in Ocean Beach at $1121 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Ocean Beach

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Ocean Beach are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Ocean Beach. Their Average 6 Month Premium is $373. Preferred Mutual is the most expensive at $985 for the same period.

Cheapest Liability Coverage in Ocean Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$373	$63
NYCM	$390	$66
Kemper	$459	$76
Progressive	$543	$92
American Family	$552	$93
USAA	$671	$113
Nationwide	$714	$119
Erie	$901	$153
State Farm	$1045	$176
Travelers	$1121	$189
Allstate	$1173	$197
Utica National	$815	$139
Preferred Mutual	$985	$164

Cheapest Full Coverage Car Insurance in Ocean Beach

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Ocean Beach is Kemper at $134 per month and $789 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ocean Beach, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$789	$134
New York Central Mutual Fire	$1045	$174
Progressive	$1054	$177
American Family	$1223	$206
NYCM	$1283	$216
Erie	$1537	$256
Nationwide	$1546	$263
USAA	$1554	$262
State Farm	$1928	$325
Travelers	$2031	$342
Allstate	$2199	$370

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Average Car Insurance in Ocean Beach by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Ocean Beach, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Ocean Beach, New York, may be increasing due to several external factors. New York has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Ocean Beach's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Ocean Beach

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	National Grange Mutual	$805
30s	National Grange Mutual	$573
40s	National Grange Mutual	$552
50s	National Grange Mutual	$561
60s	National Grange Mutual	$603
70s	National Grange Mutual	$828

Cheapest Car Insurance Rates for Teen Drivers in Ocean Beach,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Ocean Beach at $89 per month. At $6660 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$535	$89
American Family	$645	$109
NYCM	$1078	$182
Progressive	$1707	$287
New York Central Mutual Fire	$1860	$310
USAA	$3415	$575
Nationwide	$4460	$744
Travelers	$5521	$930
Allstate	$5972	$1005
State Farm	$6660	$1121

Teen Car Insurance Rates in NY by Age

Way Tip

If you are in your twenties National Grange Mutual is the best choice for car insurance in Ocean Beach.

As young drivers face the highest rates in Ocean Beach, National Grange Mutual offers the cheapest auto insurance rates at $805 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Ocean Beach, Chubb is the cheapest car insurance provider. At $1147 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Ocean Beach is Progressive, offering rates of around $7399 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$1147	$192
Kemper	$1198	$203
Nationwide	$1546	$257
USAA	$2141	$365
NYCM	$2234	$372
Erie	$2421	$412
American Family	$2846	$475
Allstate	$2913	$490
State Farm	$3016	$508
Mercury	$3542	$602
Travelers	$3618	$609
Progressive	$7399	$1246

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Save up to $971/yr on car insurance rates in Ocean Beach.

Car Insurance Rates with An Accident in Ocean Beach

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Ocean Beach, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Beach

The cheapest car insurance companies after an at-fault accident in Ocean Beach include Kemper and American Family, offering $662 and $679, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $824.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$662	$110
American Family	$679	$114
NYCM	$824	$139
Erie	$901	$153
Chubb	$994	$166
Progressive	$1087	$183
New York Central Mutual Fire	$1257	$210
USAA	$1350	$227
Nationwide	$2031	$339
Allstate	$2048	$345
State Farm	$2472	$416
Travelers	$2514	$423
Utica National	$815	$139
Preferred Mutual	$824	$137

Ocean Beach Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ocean Beach NY. For example, the car insurance in Ocean Beach after a DUI increases to $1019 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

Ocean Beach auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1792	$299
One Med/PIP claim	$1792	$305
One comp claim	$1809	$302
Two comp claims	$1826	$310
Two Med/PIP claims	$1826	$305
Not-at-fault accident	$1835	$312
Failure to show documents	$1860	$310
Failure to wear a seat belt	$1869	$317
Driving with expired registration	$1886	$315
At-fault accident - less than $1000	$1895	$322
Cell phone violation	$1895	$316
Child safety restraint	$1895	$322
Driving without lights	$1895	$316
Failure to stop at a red light	$1895	$322
Failure to yield	$1895	$316
Following too closely	$1895	$322
Illegal turn	$1895	$316
Improper passing	$1895	$322
Passing school bus	$1895	$316
Texting while driving	$1895	$322
Wrong way/wrong lane	$1895	$316
Driving too slowly	$1912	$325
Speeding in school zone	$1912	$319
At-fault accident - $1000-$2000	$1919	$326
Speeding 11 - 15 MPH over limit	$1953	$326
Speeding 6 - 10 MPH over limit	$1953	$332
Operating a vehicle without permission	$1988	$332
Open container	$2013	$342
In 65 MPH zone	$2098	$350
Speeding 16 - 20 MPH over limit	$2124	$362
Speeding 21 - 25 MPH over limit	$2199	$366
At-fault accident - greater than $2000	$2370	$403
Reckless driving	$2531	$422
Racing	$2633	$448
Driving with a suspended license	$2727	$455
Refusal to submit to a chemical test	$2786	$473
DUI	$2811	$469
Leaving scene of an accident/hit and run	$2854	$485

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Ocean Beach after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Ocean Beach.

The cheapest car insurance premiums in Ocean Beach are offered by American Family at $645 for a six-month policy. However, it can be as expensive as $2880 with companies like State Farm.

Ocean Beach car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$645	$109
Kemper	$679	$116
Progressive	$824	$139
NYCM	$1037	$174
New York Central Mutual Fire	$1529	$255
USAA	$1630	$275
Allstate	$2421	$408
Travelers	$2488	$419
Nationwide	$2523	$420
State Farm	$2880	$485

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Ocean Beach are offered by American Family at $569. However, it can be as expensive as $2921 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Ocean Beach after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$569	$97
Kemper	$569	$94
Progressive	$705	$119
NYCM	$942	$157
USAA	$1283	$219
Nationwide	$1767	$295
State Farm	$1912	$325
Travelers	$2794	$466
Allstate	$2921	$496

Car Insurance Price Trends in Ocean Beach, New York

Car insurance rates in Ocean Beach have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Ocean Beach dipped by $353 in December compared to $355 of November. In other words, there has been an decrease by $2 when you compare December and November.

The average cost of liability insurance in the Ocean Beach dipped to $122 in December, compared to $126 in November. This represents an decrease of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Ocean Beach?

The car insurance in Ocean Beach is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Ocean Beach?

The cheapest car insurance in Ocean Beach is $134 per month for full coverage.

How much is car insurance in Ocean Beach for teenagers?

Car insurance for teenagers costs $535 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Ocean Beach?

The average cost of car insurance is $1029 for a six-month policy. It will cost around $247 per month to insure your car in Ocean Beach.

Is car insurance expensive in Ocean Beach?

Car insurance can be expensive in Ocean Beach if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Ocean Beach can be affordable.

Cheapest Car Insurance Quotes in Ocean Beach

Why you can trust Way?

How Much Is Car Insurance in Ocean Beach

Avg. Car Insurance in Ocean Beach

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Ocean Beach

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Ocean Beach Car Insurance Rates by Company

Cheap Car Insurance Companies in Ocean Beach, NY

Way's key takeaways about car insurance in Ocean Beach

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ocean Beach

Cheapest Liability Coverage in Ocean Beach, NY

Cheapest Full Coverage Car Insurance in Ocean Beach

Cheapest Full Coverage Car Insurance Quotes in Ocean Beach, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ocean Beach by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Ocean Beach, NY increasing?

Car Insurance Premiums by Age in Ocean Beach

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ocean Beach,NY

If you are in your twenties National Grange Mutual is the best choice for car insurance in Ocean Beach.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Ocean Beach

Cheapest Car Insurance Companies after an At-Fault Accident in Ocean Beach

Ocean Beach Car Insurance Rates by Violation

Ocean Beach auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ocean Beach after a DUI

Ocean Beach car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ocean Beach after Speeding ticket

Car Insurance Price Trends in Ocean Beach, New York

Average Car Insurance Cost in Ocean Beach by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ocean Beach, NY

Car Insurance Rates by State in the USA (2025 Update)

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