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Average Cost of Car Insurance in Oakland

Oakland$1,494
California$1,429
U.S.$1,424

Drivers living in Oakland tend to pay more than what other drivers in California pay. The average car insurance rate in Oakland is $1,494, which is 4.6% more expensive than the state average. It is also 4.9% more expensive than what most drivers in the country pay.

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The Best Cheap Car Insurance Companies in Oakland

For many drivers, the most affordable car insurance in Oakland city would be Esurance, which offers an average premium of $1,084 per year. That is 72.8% much cheaper than the most expensive rate from Allied, which is $1,872 a year. Esurance’s annual premium is also $411 more affordable than the city average.

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Personalized Quotes to Get You the Cheapest Car Insurance in Oakland

If you are looking to buy an auto insurance policy in Oakland, you must request personalized quotes from car insurance companies. Doing so will give you better chances of securing a deal that is best for you because there are a lot of factors that affect the insurance rate, such as your ZIP code, age, driving record, driving experience, coverage level and more. You may also want to request quotes as your circumstances change, as you might be eligible for a much cheaper rate from other providers, as well as discounts or rebates.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Oakland by Coverage Amount

How much car insurance coverage you purchase in Oakland also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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California Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.

The average car insurance rates in Oakland for state minimum liability coverage can go as low as $448, which is what Progressive offers. For some drivers, that may be enough. If you add a bit more, you can get 50/100/50 for $614 from Progressive, which means that for one person’s injury, you can claim up to $50,000; for all the injuries in the accident, you can claim $100,000; and another $50,000 for damages in your car. For a 50/100/50 full-coverage plan, it will cost $1,019 for Progressive customers in Oakland.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Oakland if You Have Tickets

What goes into your driving record can also impact the costs of car insurance you can buy. Esurance provides Oakland residents the most affordable rate for drivers who have no traffic violations: $1,084 a year. If you have speeding tickets, though, you need to pay an extra $292. If you are at fault in an accident you may end up paying $1,699. Likewise, DUI may result in a $1,619 premium.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,375
    $1,699
    $2,703
  • $2,086
    $2,259
    $2,589
  • 3. USAA
    $1,371
    $2,188
    $3,554
  • $1,965
    $2,220
    $3,101
  • $2,117
    $2,790
    $2,647
  • $1,893
    $2,393
    $4,221
  • $2,412
    $3,015
    $3,015
  • $2,138
    $2,228
    $4,464
  • $2,663
    $2,940
    $3,707
  • 10. CSAA
    $2,059
    $2,059
    $5,863
  • 11. Allied
    $2,626
    $3,020
    $4,544
  • $1,644
    $2,136
    $7,947
  • $2,702
    $3,780
    $6,309

Average Cost of Car Insurance by Postal Code

Car insurance companies in Oakland also consider your ZIP when determining your premium. Companies make that rate decision based on the number of accidents in the area, car-theft incidents, the condition of the roads and traffic density among others. Car insurance rates in the city based on ZIP code ranges from $1,296 to $1,643. That’s a $347 difference between the cheapest and most expensive ZIP code.

  • Zip Code
    State Minimumper year
  • 94611
    $1,296
  • 94605
    $1,463
  • 94606
    $1,575
  • 94601
    $1,643
iconribbontop ratedCar Insurance agentsOakland2021

Top Agents Offering Affordable Car Insurance in Oakland

1. Farmers Insurance - Mike Clauson859 Clay St, Oakland, CA, 94607
35 ratings
2. Stephanie Canessa - State Farm Insurance Agent6228 Merced Ave, Fl 2, Oakland, CA, 94611
32 ratings
3. Avail Insurance Solutions6023 College Ave, Oakland, CA, 94618
28 ratings
4. Mancheno Insurance1955 Mountain Blvd, Ste 105, Oakland, CA, 94611
15 ratings
5. Marlon Bradford - State Farm Insurance Agent1201 Franklin St, Oakland, CA, 94612
7 ratings

Factors That Impact Insurance Costs in Oakland

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Oakland. How Oakland ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities199th/300
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Most Car Thefts262nd/300
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Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall194th/300
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Most Rainy Days211th/300

Shopping around for car insurance in Oakland could save you $411, which is enough to buy:


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137Cups of Coffee
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32Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Oakland are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Oakland

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.