Oceanside Insurance Rates:

Oceanside, CA home insurance is approximately $530 to $718, about $44-$59/month. Our in depth research shows customers can save as much as $249 by comparing many quotes

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Oceanside Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $200/9 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

2 Beds, 2 Bath 980 sqft Rental Property Constructed In 1979 with Wood Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Brick Frame. Home Features Include Central Air Conditioning, Copper Water Pipes, Fire Extinguisher, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Divorced Male who has a Full Time Job with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $400/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $455,000

4 Beds, 4 Baths 2500 sqft Vacation Property Constructed In 1992 with Hardwood Flooring, Slate Shingles Roof, Piers Foundation, Fiber-Cement Siding, Brick Frame. Home Features Include Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Divorced Male who is Retired and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $280/6 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $275,000

2 Beds, 2 Bath 1300 sqft Rental Property Constructed In 1978 with Ceramic Tile Flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Male who is a Freelancer with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 700-749 Credit Score

  • Seniors staying at home

Home Insurance Rate of $150/1 month for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $775,000

5 Beds, 5 Baths 4160 sqft Seasonal Residence Constructed In 2002 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

69 Years old Married Male who is Retired with household income of $25-50,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $140/4 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $205,000

3 Beds, 3 Baths 1340 sqft Rental Property Constructed In 1972 with Wood Flooring, Composition Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fireplace, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Divorced Female who is Unemployed and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $1050/5 months for $500,000-$600,000 Coverage
Policy Holder Home Details :

Home Value : $435,000

2 Beds, 2 Baths 1250 sqft Primary Residence Constructed In 1973 with Stone Flooring, Wood Shake Roof, Crawl Space Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

38 Years old Married Female who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Guests at home

Oceanside, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
92054 $445,200 $650
92056 $362,800 $640
92057 $349,600 $630

Oceanside Rates & Quotes Analysis:

Oceanside Area Estimated House Insurance
Ave Vista Labera, Partridge Ln, Genine Dr, Broken Hitch Rd, Picnic View Ln, Napoli St, S Myers St, Aztec St, Cassidy St, Debra Cir$626
Bells Dr, Monterey Dr, Columbia Dr, Westerly Ct, Candia Ct, Prado Ct, McKinley St, S Nevada St, Mesa Vista Way, Concord St$620
Celeste Dr, San Luis Rey Mission Expy, Via de la Paz, Golden Trails Way, Park Hill Rd, Sophia Way, Avery St, Krim Pl, Via Costa Rica, Macario Dr$629
Neptune Way, Pso de Brisas, Victoria Way, Oak Leaf Ct, Candice Pl, Poumele Way, Annette St, Appaloosa Way, Escala Cove, Ave de Louisa$638
Morning Dove Way, Ocean Hills Dr, Royal Tern Way, Madison St, Laguna St, Woodrail Dr, Missouri Ave, Langford St, Clydesdale Ct, Mandarin Dr$640
Soft Wind Rd, Terry St, Hollowtree Dr, Bodega Bay Way, Madrid Dr, Loretta St, Seafarer Dr, Gold Dr, Jamboree St, Sea Breeze Walk$618
Havenwood Dr, Hollins Rd, Trieste Way, San Remo Dr, Serrano St, Cam Parque, Big Sur St, Amberwood Dr, Lookout Ct, Via Maria Ave$638
Forster St, Monte Vista Way, Stiles Ct, Carmelo Dr, Pso de Dolores, Krug Ct, Tinamou Pl, Masters Dr, Osborne St, Cll Hacienda$632
Turquoise Ln, Penguin Cir, Winchester St, Broadway St, Andrews Ct, Carey Rd, Sorrento Dr, Barbara Ln, Via Astuto, Timberline Rd$620
Southgate Dr, Harbor Crest Way, Echo Pl, Southgate Ct, Nighthawk Ct, Silverwood St, Thibodo Rd, Judilyn Dr, Vera Cruz, Tyson St$631

Insurance rates are influenced by a number of factors including:

  • Year Built: 17,545 Homes (27% of total homes ) built between 1980 to 1989 in Oceanside are paying home insurance between $931-$940. Places close to Oceanside, CA such as Carlsbad, Bonsall, Oceanside-Escondido are more expensive by $63, $64, $10 respectively while Camp Pendleton and Temecula are cheaper by $10 and $11 respectively for similar homes.
  • Bedrooms: 19,021 3 bedrooms homes (30% of total homes ) in Oceanside are paying about $238. Areas near to Oceanside such as Carlsbad, Lake San Marcos, Hidden Meadows are costlier by $16, $5, $11 respectively whereas Camp Pendleton and Escondido are more economical by $3, $8 respectively for similar homes.
  • Auto Insurance Bundling: 9,910 Households (29% of all households) in Oceanside have 3 or more vehicles available and when it is bundled with home insurance you can save $156. Discounts for similar bundling in close by locations such as Vista, Carlsbad, Bonsall come to $155, $166, $166 respectively.
  • Senior Discounts: 17,766 seniors (more than 55 years) occupied housing units (52% of total) in Oceanside get discounts between $93 to $95. The comparative concessions in proximate regions such as Vista, Carlsbad and Bonsall are $93, $99 and $100 respectively.
  • New Homes discounts: New homes such as the 21,272 homes built between 2000 to 2009 in Oceanside can save $124 and similar new home insurance discounts in nearby towns and cities like Vista, Camp Pendleton North and Carlsbad are $124, $124 and $133 respectively.

Oceanside Homeowners insurance Facts

  • Oceanside, CA has 33,642 owner occupied houses which is 58.0% of all units whereas Camp Pendleton South, Vista and Camp Pendleton North have 0.0%, 50.4% and 2.62% respectively.
  • Oceanside, CA homeowners yearly insurance price at $624 is 0.18% of the typical house value of $356,500 which is in contrast with 0.18% in Vista, 0.19% at Camp Pendleton North & 0.11% in Carlsbad.
  • Homeowners in Oceanside, CA pay 1.09% of their income ($45,000 to $49,999) in insurance whereas homeowners in Camp Pendleton South, Vista and Camp Pendleton North pay 0.99%, 1.08% and 1.08% respectively.
  • Oceanside, CA’s insurance is 2.3% of monthly housing costs of $2,312/month, for owners with a mortgage compared to 2.35% in Vista, 1.88% at Carlsbad & 1.73% in Bonsall. But, for households without a mortgage, insurance is 11.0% of costs ($471 in Oceanside, CA) in contrast with 11.19% in Vista, 9.17% at Carlsbad & 7.42% in Bonsall.

Oceanside, CA Home Values & Insurance rates

For example, insurance for 2,701 Homes (13.0% of total homes ) valued between $200,000 to $249,999 in Oceanside, CA is about $393. Rates in nearby areas in such as Carlsbad, Bonsall, Oceanside-Escondido are cheaper by $154, $153, $40 respectively while Vista and Escondido are costlier by $5 and $23 respectively for similar homes.

Oceanside, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,078 5.0% $43
$50,000 to $59,999 363 1.0% $87
$70,000 to $79,999 293 1.0% $131
$80,000 to $89,999 242 1.0% $143
$100,000 to $124,999 504 2.0% $187
$125,000 to $149,999 577 2.0% $237
$150,000 to $174,999 1,382 6.0% $280
$175,000 to $199,999 861 4.0% $324
$200,000 to $249,999 2,701 13.0% $393
$250,000 to $299,999 3,347 16.0% $480
$300,000 to $399,999 9,027 43.0% $611

Renters Insurance in Oceanside

  • Average Renters Insurance in Oceanside :  $147($12/month)

  • Median Gross Rent in Oceanside :  $1,362

  • Oceanside Renters Insurance to Median Rent Ratio:  0.88%

  • Average household size of renter-occupied unit :  2.99

Oceanside Renters Insurance as a Percentage of Rent

Oceanside Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 319 1.0% $786
$300 to $499 348 1.0% $1236
$500 to $749 952 4.0% $1911
$750 to $999 3,223 13.0% $2661
$1,000 to $1,499 10,070 42.0% $3786
$1,500 or more 8,846 37.0% $5436

Rent Affordability in Oceanside:

Approximately 52.0% (12,752) of households are spending more than 35% of their income on gross rent in Oceanside

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,135 4.0%
15.0 to 19.9 percent 1,590 6.0%
20.0 to 24.9 percent 3,009 12.0%
25.0 to 29.9 percent 3,313 13.0%
30.0 to 34.9 percent 2,556 10.0%
35.0 percent or more 12,752 52.0%

Oceanside Renters Insurance Discounts:

Oceanside Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Oceanside, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,801 40.0% $14.7
2 vehicles available 8,897 36.0% $22.05
3 or more vehicles available 3,504 14.0% $29.4

Protective device discount in Oceanside Up to :  $22

Claims-free discount in Oceanside Up to :  $29