Cheapest Car Insurance Quotes in Oceanside

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Oceanside Car Insurance

^$ 77

/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 Oceanside

The car insurance rate in Oceanside is $2027 for a six-month policy, which is $869 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $966, making it a popular choice for budget-conscious drivers. Rates in Oceanside 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 Oceanside

$2027

Avg. Car Insurance in New York

$1158

National Average

$1278

Cheapest Car Insurance Companies in Oceanside

1st place: Kemper

At $966 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 $1279 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Progressive

Progressive offers auto insurance rates at $1362 for six months, making it the third cheapest auto insurance company in Oceanside.

Oceanside Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oceanside, NY is Kemper, offering policies at just $966 for a six-month term. This is followed by New York Central Mutual Fire, which has an average six-month premium of $1279.

At the higher end of the spectrum, Chubb is the most expensive, with rates reaching $3108 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oceanside drivers find the best deals.

Cheap Car Insurance Companies in Oceanside, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$966	$165
New York Central Mutual Fire	$1279	$214
Progressive	$1362	$229
American Family	$1496	$252
NYCM	$1810	$305
USAA	$2006	$338
Erie	$2048	$345
Nationwide	$2235	$373
Travelers	$2277	$383
State Farm	$2713	$457
Allstate	$3035	$511
Chubb	$3108	$518

Key Takeaways

Way's key takeaways about car insurance in Oceanside

The auto insurance costs in Oceanside fall around $966 for six months.
The cheapest auto insurance company in Oceanside is New York Central Mutual Fire.
Teen drivers pay the highest rate in Oceanside at $1563 per month.

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Cheapest Minimum Liability Car Insurance in Oceanside

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 Oceanside are given below.

New York Central Mutual Fire provides the cheapest minimum car insurance coverage in Oceanside. Their Average 6 Month Premium is $457. Preferred Mutual is the most expensive at $1206 for the same period.

Cheapest Liability Coverage in Oceanside, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New York Central Mutual Fire	$457	$77
NYCM	$541	$89
Kemper	$562	$96
American Family	$676	$114
Progressive	$697	$117
USAA	$894	$151
Erie	$1103	$187
Travelers	$1185	$198
Allstate	$1269	$215
State Farm	$1351	$226
Nationwide	$873	$145
Utica National	$998	$170
Preferred Mutual	$1206	$201

Cheapest Full Coverage Car Insurance in Oceanside

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 Oceanside is Kemper at $165 per month and $966 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oceanside, NY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$966	$165
New York Central Mutual Fire	$1279	$214
Progressive	$1362	$229
American Family	$1496	$252
NYCM	$1810	$305
USAA	$2006	$338
Erie	$2048	$345
Nationwide	$2235	$373
Travelers	$2277	$383
State Farm	$2713	$457
Allstate	$3035	$511
Chubb	$3108	$518

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Average Car Insurance in Oceanside 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 Oceanside, NY increasing?

Despite maintaining a clean driving record, your car insurance rates in Oceanside, 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, Oceanside's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oceanside

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

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Cheapest Car Insurance Rates for Teen Drivers in Oceanside,NY

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Oceanside at $112 per month. At $9282 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$655	$112
American Family	$789	$133
NYCM	$1747	$294
Progressive	$2153	$362
New York Central Mutual Fire	$2277	$387
Erie	$4377	$730
USAA	$4813	$810
Travelers	$6330	$1066
Nationwide	$6591	$1120
Chubb	$6902	$1150
Allstate	$7942	$1337
State Farm	$9282	$1563

Teen Car Insurance Rates in NY by Age

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 Oceanside, Kemper is the cheapest car insurance provider. At $1467 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 Oceanside is Progressive, offering rates of around $8783 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1467	$245
Nationwide	$2235	$380
Chubb	$2651	$446
USAA	$3222	$548
Erie	$3430	$578
American Family	$3483	$592
NYCM	$3899	$649
Allstate	$4251	$716
Mercury	$4335	$723
State Farm	$4480	$754
Travelers	$5187	$873
Progressive	$8783	$1479

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Car Insurance Rates with An Accident in Oceanside

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 Oceanside, NY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oceanside

The cheapest car insurance companies after an at-fault accident in Oceanside include Kemper and American Family, offering $810 and $831, respectively. Preferred Mutual is an expensive provider with an average six-month premium of $1008.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$810	$135
American Family	$831	$140
Progressive	$1279	$215
NYCM	$1300	$219
New York Central Mutual Fire	$1538	$257
USAA	$1747	$294
Erie	$2235	$376
Chubb	$2536	$427
Allstate	$2734	$460
Travelers	$2818	$474
Nationwide	$2952	$492
State Farm	$3451	$581
Utica National	$998	$170
Preferred Mutual	$1008	$168

Oceanside Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oceanside NY. For example, the car insurance in Oceanside after a DUI increases to $1248 for a six month policy. While the rate increases by $198 for a six-month policy in the case of a speeding ticket.

Oceanside auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2193	$366
One Med/PIP claim	$2193	$373
One comp claim	$2214	$369
Two comp claims	$2235	$380
Two Med/PIP claims	$2235	$373
Not-at-fault accident	$2245	$382
Failure to show documents	$2277	$380
Failure to wear a seat belt	$2287	$389
Driving with expired registration	$2308	$385
At-fault accident - less than $1000	$2319	$394
Cell phone violation	$2319	$387
Child safety restraint	$2319	$394
Driving without lights	$2319	$387
Failure to stop at a red light	$2319	$394
Failure to yield	$2319	$387
Following too closely	$2319	$394
Illegal turn	$2319	$387
Improper passing	$2319	$394
Passing school bus	$2319	$387
Texting while driving	$2319	$394
Wrong way/wrong lane	$2319	$387
Driving too slowly	$2340	$397
Speeding in school zone	$2340	$390
At-fault accident - $1000-$2000	$2349	$399
Speeding 11 - 15 MPH over limit	$2391	$399
Speeding 6 - 10 MPH over limit	$2391	$406
Operating a vehicle without permission	$2433	$406
Open container	$2464	$418
In 65 MPH zone	$2567	$429
Speeding 16 - 20 MPH over limit	$2599	$443
Speeding 21 - 25 MPH over limit	$2692	$448
At-fault accident - greater than $2000	$2900	$494
Reckless driving	$3098	$516
Racing	$3222	$548
Driving with a suspended license	$3337	$557
Refusal to submit to a chemical test	$3409	$579
DUI	$3441	$574
Leaving scene of an accident/hit and run	$3493	$593

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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 Oceanside 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 Oceanside.

The cheapest car insurance premiums in Oceanside are offered by American Family at $789 for a six-month policy. However, it can be as expensive as $3899 with companies like Chubb.

Oceanside car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$789	$133
Kemper	$831	$142
Progressive	$1071	$180
NYCM	$1622	$273
New York Central Mutual Fire	$1871	$312
USAA	$2132	$359
Travelers	$2786	$469
Allstate	$3295	$555
Erie	$3399	$567
Nationwide	$3691	$628
State Farm	$3878	$653
Chubb	$3899	$663

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 Oceanside are offered by American Family at $697. However, it can be as expensive as $4438 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Oceanside after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$697	$116
Kemper	$697	$119
Progressive	$1008	$170
NYCM	$1633	$278
USAA	$1892	$315
Erie	$2214	$376
Nationwide	$2235	$373
Travelers	$2578	$438
State Farm	$3119	$520
Chubb	$3691	$628
Allstate	$4438	$740

Car Insurance Price Trends in Oceanside, New York

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

The average cost of full coverage in the Oceanside rose by $481 in January compared to $432 of December. In other words, there has been an increase by $49 when you compare January and December.

The average cost of liability insurance in the Oceanside dipped to $140 in January, compared to $149 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Oceanside?

The car insurance in Oceanside is $77 per month, which is lower than the national average.

What is the cheapest car insurance in Oceanside?

The cheapest car insurance in Oceanside is $165 per month for full coverage.

How much is car insurance in Oceanside for teenagers?

Car insurance for teenagers costs $655 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 Oceanside?

The average cost of car insurance is $1158 for a six-month policy. It will cost around $340 per month to insure your car in Oceanside.

Is car insurance expensive in Oceanside?

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

Cheapest Car Insurance Quotes in Oceanside

Why you can trust Way?

How Much Is Car Insurance in Oceanside

Avg. Car Insurance in Oceanside

Avg. Car Insurance in New York

National Average

Cheapest Car Insurance Companies in Oceanside

1st place: Kemper

2nd place: New York Central Mutual Fire

3rd place: Progressive

Oceanside Car Insurance Rates by Company

Cheap Car Insurance Companies in Oceanside, NY

Way's key takeaways about car insurance in Oceanside

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oceanside

Cheapest Liability Coverage in Oceanside, NY

Cheapest Full Coverage Car Insurance in Oceanside

Cheapest Full Coverage Car Insurance Quotes in Oceanside, NY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oceanside by Rating Factor

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

Car Insurance Premiums by Age in Oceanside

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oceanside,NY

If you are in your twenties N/A is the best choice for car insurance in Oceanside.

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 Oceanside

Cheapest Car Insurance Companies after an At-Fault Accident in Oceanside

Oceanside Car Insurance Rates by Violation

Oceanside auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oceanside after a DUI

Oceanside car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oceanside after Speeding ticket

Car Insurance Price Trends in Oceanside, New York

Average Car Insurance Cost in Oceanside by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oceanside, NY

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

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