Compare the Cheapest Car Insurance Quotes in Oakland, CA

Car insurance in Oakland costs an average of $1,494 per year, which is 4.6% more than the state average. The insurer with the lowest car insurance rates in the city is Esurance, at an average of $1,084 per year. To help you secure the best rates, MoneyGeek rated the cheapest insurance carriers in Oakland based on driving history and the coverage amount. If you are looking for quality service and affordable car insurance coverage, MoneyGeek recommends the best options in Oakland.

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The Cheapest and Best Car Insurance in Oakland

The Cheapest Car Insurance Companies in Oakland

Oakland insurers that offer drivers the cheapest premiums for a full coverage policy are:

  • Esurance: $1,084 per year
  • Progressive: $1,097 per year

MoneyGeek utilized a sample 40-year-old male driver profile to estimate the average car insurance costs in Oakland. In this study, the driver has a full coverage policy that provides both liability insurance and comprehensive and collision insurance.

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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 Car Insurance Companies in Oakland

MoneyGeek rated the best auto insurance companies in Oakland to ensure that you can easily find high-quality, affordable coverage. According to our exclusive rating system, the best car insurance in the city is from:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Oakland by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek analyzed multiple factors when coming up with these scores, including user satisfaction, financial stability and affordability scores from J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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.

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

Cheapest Car Insurance in Oakland by Coverage Amount

In Oakland and elsewhere in California, the cost of car insurance depends on the amount of coverage you purchase. A minimum liability policy, for instance, costs roughly $652 per year, while a full coverage policy that provides higher limits costs an average of $1,494 per year. That is $843 more than the minimum coverage.

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: Liability-Only vs. Full Coverage

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

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.
    Esurance
    $1,375
    $1,699
    $2,703
  • 2.
    Progressive
    $2,086
    $2,259
    $2,589
  • 3.
    USAA
    $1,371
    $2,188
    $3,554
  • 4.
    GEICO
    $1,965
    $2,220
    $3,101
  • 5.
    Mercury
    $2,117
    $2,790
    $2,647
  • 6.
    Allstate
    $1,893
    $2,393
    $4,221
  • 7.
    Farmers
    $2,412
    $3,015
    $3,015
  • 8.
    State Farm
    $2,138
    $2,228
    $4,464
  • 9.
    Travelers
    $2,663
    $2,940
    $3,707
  • 10.
    CSAA
    $2,059
    $2,059
    $5,863
  • 11.
    Allied
    $2,626
    $3,020
    $4,544
  • 12.
    MetLife
    $1,644
    $2,136
    $7,947
  • 13.
    Hartford
    $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
handcuffs2 icon
Most Car Thefts262nd/300
uninsured icon
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

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.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.