bestauto insuranceOakland2022Compare 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.
Compare Auto Insurance Rates
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 7/31/2022
Written By |
Mark Fitzpatrick
The cheapest rates on average for a full and minimum coverage car insurance policy in Oakland are from Esurance and Progressive, respectively. Rates can change by coverage level and driver profile. Drivers with a ticket can get the cheapest average rates from Esurance. AAA and GEICO rank as MoneyGeek’s best companies overall, having a balance between rates and quality service.
bestauto insuranceOakland2022The Cheapest and Best Car Insurance in Oakland
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Oakland
On average, the Oakland insurers that offer drivers the cheapest premiums for a full coverage policy are:
- Esurance: $1,084 per year
- Progressive: $1,097 per year
With an average rate of $1,084 per year, Esurance is cheaper than Allied, which has an annual rate of $1,872 and is the most expensive rate in the city on average.
In this study, the driver has a full coverage policy that provides both liability insurance and comprehensive and collision insurance. Premiums will change based on coverage levels and driver profiles.
Cheapest Car Insurance in Oakland
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,084
- 2.$1,097
- 3.$1,253
- 4.$1,271
- 5.$1,332
Before calculating these averages, MoneyGeek gathered quotes for a 40-year old male driver getting a full coverage policy in Oakland with limits described in the methodology.
With a full coverage policy, you will be covered for liability as well as:
- Collision Insurance: Covers damages resulting from a collision with a stationary object or another vehicle.
- Comprehensive Insurance: Covers for damages that are not collision-related, such as theft, vandalism and natural disasters.
Though full coverage has more expensive rates than a state minimum policy, you’re getting valuable coverage for you and others injured as well as your vehicle.
One scenario where it makes sense to get a state minimum coverage is if you have an older car and the premiums on a full coverage policy are worth more than your vehicle.
Compare Car Insurance Rates in Oakland
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Oakland for Minimum Coverage
Buying minimum car insurance gives you the cheapest rates. On average, the companies offering the cheapest policies in Oakland for minimum coverage are:
- Progressive: $448 per year
- Esurance: $564 per year
For comparison, Allied has the most expensive rates at an average of $796 per year.
A minimum coverage policy lets you save more by having affordable premiums. However, lower premiums also mean lower or limited coverage costs and higher risk. Use the table to see how much a higher liability limit will cost.
Cheapest Minimum Liability Car Insurance in Oakland
State Minimum
- CompanyState Minimumper year
- 1.$448
- 2.$494
- 3.$503
- 4.CSAA$542
- 5.$564
Getting the state minimum coverage comes with risk. When accidents occur, you will have limited coverage and may even end up paying more for damages than what you would have paid in a full coverage policy. As an example, if you get into an accident resulting in $8,000 worth of property damages and you only have a $5,000 coverage limit, the excess $3,000 will be paid out of your pocket.
California Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Oakland if You Have Driving Violations
When you get a ticket, are caught driving under the influence or are involved in an at-fault accident, you can expect your car insurance rates to increase.
On average, these are the cheapest companies in Oakland for drivers with violations:
- Cheapest after a ticket: Esurance, $1,375 per year
- Cheapest after an at-fault accident: Esurance, $1,699 per year
- Cheapest after a DUI: Progressive, $2,589 per year
Military members can get cheaper rates on average if they have a speeding ticket on their record if they choose to get a policy from USAA.
If you wish to lower these rates, try to improve your driving history. In the meantime, when getting car insurance, consider the above companies that give you the cheapest rates after accidents and other violations.
Cheapest Car Insurance in Oakland With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,371
- 2.$1,375
- 3.$1,644
- 4.$1,893
- 5.$1,965
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.
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.
Compare Car Insurance Rates in Oakland
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Oakland
MoneyGeek analyzed car insurance companies in Oakland based on their average rates, customer satisfaction and claims ratings to find the best car insurance providers in the city.
Based on these factors, the best car insurance companies in Oakland are:
- Esurance: MoneyGeek score of 89.6 out of 100
- Progressive: MoneyGeek score of 82.2 out of 100
USAA is excluded from MoneyGeek’s analysis because its policies are only available to veterans or those actively in the military and their families. However, it earned a MoneyGeek score of 85.8 out of 100, which makes USAA the second-best auto insurer in Oakland with a military background.
1
Esurance
Score:100
Esurance earned the highest score for affordability and a good customer satisfaction score, making it the top car insurance company in Oakland, even though its claims score is average. A full coverage policy with Esurance for a 40-year-old costs roughly $1,084 per year. Policyholders can add gap insurance or custom parts coverage.
More About Esurance
Esurance offers a number of add-on coverages to policyholders in Oakland. Gap insurance is great if you have a loan or lease because it pays you up to 25% more than your car’s value if it is totaled so you can pay off your balance. Custom parts coverage is a smart choice if you have installed non-factory items, such as custom wheels or a grill, because, if damaged in a covered claim, it pays up to your chosen amount to fix or replace them (max of $4,000). You can also get rideshare insurance (ShareSmart), which makes your personal policy and your rideshare insurance policy fully integrated, and you pay the lowest comprehensive and collision deductibles.
Read MoneyGeek's Esurance auto Insurance Review2
Progressive
Score:83
Progressive ranks second in Oakland, scoring above average in customer satisfaction and affordability but average for claims. Its full coverage policy for a 40-year-old driver costs an average of $1,097 per year. Policyholders can get add-on coverages like deductible modification.
More About Progressive
Progressive offers a number of add-on coverages to Oakland policyholders to supplement their auto insurance policy. For example, custom parts and equipment (CPE) coverage repairs or replaces custom modifications, like a paint job or navigation system, if damaged in a covered claim. The maximum coverage amount is $5,000. Deductible modification or deductible savings bank from Progressive pays you for not getting into an accident or committing a violation. For every accident- and violation-free six-month auto policy term, you get a deduction of $50 off your comprehensive or collision deductible. If you file a claim, the time period resets.
Read MoneyGeek's Progressive auto Insurance ReviewAverage 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 CodeState Minimumper year
- 94611$1,296
- 94605$1,463
- 94606$1,575
- 94601$1,643
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.
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