Oceanside Auto Insurance Rates, Quotes, Agents & Reviews in CA

Oceanside, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oceanside, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Oceanside, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Oceanside, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Oceanside, CA with that of other cities in and around Oceanside.

Oceanside Bonsall Carlsbad Vista Oceanside-Escondido Camp Pendleton North
Average Insurance Rates $1,277 $1,981 $1,218 $1,313 $1,910 $1,872

Oceanside, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Oceanside, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Oceanside $1,490 $1,259
Camp Pendleton South $2,345 $1,981
Vista $2,539 $2,145
Camp Pendleton North $1,928 $1,629
Carlsbad $2,069 $1,748
Bonsall $1,140 $963
Oceanside-Escondido $1,918 $1,620
Lake San Marcos $1,977 $1,670

Oceanside, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Oceanside, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,144
20 Years $1,641
30 Years $1,264
40 Years $1,216
50 Years $1,126
60 Years $1,142
70 Years $1,329

Oceanside, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Oceanside, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,171 $383
3 Vehicles $3,256 $575
4 Vehicles $4,342 $766

Savings on 2 Vehicles bundle:$383

Savings on 3 Vehicles bundle:$575

Savings on 4 Vehicles bundle:$766

Oceanside, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Oceanside, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Oceanside $1,277 $3,144
Camp Pendleton South $2,277 $5,606
Vista $1,313 $3,233
Camp Pendleton North $1,872 $4,609
Carlsbad $1,218 $2,999
Bonsall $1,981 $4,878
Oceanside-Escondido $1,910 $4,703
Lake San Marcos $1,951 $4,804

Oceanside, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,096
Excellent (740-799) $1,251
Good (670-739) $1,331
Average (580-669) $1,736
Poor (300-579) $2,083

Oceanside, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Kathy Dottore State Farm 250 S Pacific St Ste 103, San Marcos, 92078-2476 760-471-6111
Brubaker & Associates Inc Travelers 2585 PIO PICO DR STE 100, CARLSBAD, 92008 760-729-1800
Mckinzie Insurance Agency Inc Liberty Mutual Independent 6965 EL CAMINO REAL STE 105-515, CARLSBAD, 92009 760-602-9275
Pacific Edge Insurance Agency Travelers 2850 PIO PICO DR STE E, CARLSBAD, 92008 760-547-2622
Lawrence Krell Farmers 310 VIA VERA CRUZ STE 201, San Marcos, 92078 (760) 744-0080
Consumer Insurance Services Inc Travelers 5355 AVENIDA ENCINAS STE 208B, CARLSBAD, 92008 760-434-5050
Suzy Brase State Farm 7040 Avenida Encinas, Carlsbad, 92011-4654 760-431-0844
Britney Oates State Farm 2424 Vista Way Ste 102, Oceanside, 92054-6170 760-754-5101
Michael Charles Piceno Travelers 547 MCMAHR ROAD, SAN MARCOS, 92078 760-891-0741
Mike Ferraro State Farm 8911 Atlanta Ave, Huntingtn Bch, 92646-7121 714-962-6671

Oceanside, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$56 $1,333
Driver's Failure In Showing Documents +$124 $1,401
Driving With An Expired Registration +$132 $1,409
Driving At A Considerably Slow Pace +$277 $1,554
Using A Cellphone While Driving +$292 $1,569
Running A Red Light +$298 $1,575
Speeding +$313 $1,590
Driving A Vehicle Without The Required Permission +$397 $1,674
Driving With An Expired/Suspended License +$861 $2,138

Oceanside, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,226
Active Disabling Device $1,226
Tracking Device $1,200
Passive Disabling Device $1,188

Latest Auto Insurance Reviews in Oceanside, CA | Back to Top

I am completely satisfied with my premium and deductible in comparison to others. My deductible is standard and my premium is cheaper then other companies.
Reasonable deductible, reasonable monthly payment, and an easy to use app that fits my lifestyle better than getting paper documents sent to me all the time. Hard not to like!
Farmer's Insurance
It's a smaller company and not as well recognized as some others. The policy offerings are comparable to the bigger insurance providers.
Lots of options. My car is old now so only carry minimum state required coverage. No need for additional coverage.
Im not totally sure about the offerings. THey seem liek they are accurately priced and i am okay with it
Im not totally sure about the offerings. THey seem liek they are accurately priced and i am okay with it
Geico is available 24 hours a day, 7 days a week either by phone, email, mail or chat. This makes me feel like they are here for me whenever and wherever I'm in need.
I feel GEICO's accessibility is high quality. I never feel that they are making me run around and they are very knowledgeable when it comes to my insurance needs.
Customer support is very accessible, online or on the phone. I experienced great service in person as well at the branch. I was impressed with how quickly I got a response initially when I requested a quote. It was very simple to set up a policy. My last insurance carrier was not as streamlined. I am overall happy with switching.
I like that the company has some really hard working, knowledgeable employees working for them. The agents do work for the customers.
Encompass Insurance
The company is by far the best. Great customer service. Fast compliance. They don't have a physical office that close to us, but we can call our agent or send an email and he is right with us.
There is not much to dislike about Geico as a company. I am not really a fan of the Gecko and the weird commercials, but that has nothing to do with the products and services they provide. They are consistent, no teaser rates, just give you insurance and make the process as smooth as possible.
The price is among the best, and the coverage is good. Accident forgiveness would make them perfect.
Premiums keep rising even though I have never filed a claim.