Cheapest and Best Car Insurance Companies in Oakland, CA

GEICO offers the cheapest rates for full coverage and minimum coverage car insurance in Oakland. It is also the most affordable insurer for drivers with speeding tickets, military members and teens. Drivers with DUIs can find the cheapest insurance with National General, while those with at-fault accidents should opt for Allstate. Chubb offers the best customer service, and GEICO is the best overall.

In Oakland, these companies have the cheapest minimum policies:

• GEICO: $345 per year
• CSAA: $473 per year

The most expensive insurance in Oakland is National General, which charges $828 a year.

The following are California's minimum insurance limits for bodily injury and property damage as required by law:

• $15,000 bodily injury liability per person
• $30,000 bodily injury liability per accident
• $5,000 property damage liability per accident

Liability-only auto insurance covers damages to others but does not cover you if you are hurt. If you carry the minimum coverage (15/30/5), your insurer will pay up to $15,000 for medical expenses and up to $30,000 per accident. Any costs over this amount are your responsibility.

In Oakland, the following companies offer the cheapest full coverage policies:

• GEICO: $1,054 per year
• Progressive: $1,118 per year

Chubb offers Oakland's most expensive full coverage insurance at $1,917.

Full coverage policies include collision and comprehensive coverage.

• Collision Insurance: Pays to repair or replace your car if it’s damaged by vandalism, theft or a natural disaster.
• Comprehensive Insurance: Pays to repair or replace your car if you hit another vehicle or object.

Full coverage may not be cost-effective for older vehicles, as the cost of the premiums could exceed the vehicle’s value.

The following companies are the cheapest in Oakland after a driving violation:

• Speeding ticket: National General ($1,434 per year)
• At-fault accident: Capital Insurance Group ($1,653 per year)
• DUI: National General ($1,434 per year)

Nationwide is the priciest after a speeding ticket ($2,647), The Hartford after a DUI ($5,748) and Kemper after an at-fault accident ($3,470).

Your insurance rates will be higher if you have a poor driving record. Even the cheapest policy will cost more than if you have a clean record.

You will likely see a rate increase after a violation, and the more serious the offense, the higher the increase. For example, rates in Oakland increase by an average of $641 after a speeding ticket but by $2,194 after a DUI. Always compare rates to find the cheapest car insurance for drivers with poor driving records.

The following companies offer the cheapest coverage for families adding a teen to their policy in Oakland:

• GEICO: $2,877 for female teens, $3,083 for male teens
• State Farm: $3,083 for female and male teens

The most expensive option is Kemper, costing an average of $6,561. The cost of insurance for young men is generally higher than that for young women since the former are considered higher risk. The gender-based discrepancy in rates drops off in early adulthood.

Adding a teen driver to a family policy is generally more cost-effective than purchasing a separate policy. For example, adding a teen in Oakland costs $673 less than purchasing an individual policy for them. The best way to obtain the lowest rate on teen car insurance is to shop around.

Our analysis reveals that the following companies offer the cheapest full coverage auto insurance for active military and veterans in Oakland:

• USAA: $914 per year
• GEICO: $1,054 per year

GEICO offers the cheapest minimum coverage policy for military personnel at $345 per year.

Getting an online car insurance quote in Oakland will require you to provide a great deal of personal information and can take 15 minutes or longer per company.

You can simplify and speed up the process by using MoneyGeek's car insurance calculator. You can get a quick estimate of your car insurance costs just by providing your age, vehicle type, level of coverage and driving record.

Choosing the right car insurance company depends on what's important to you, like cost and service quality. Here are the best Oakland car insurance companies in several categories:

• Best Overall: GEICO (MoneyGeek score of 75 out of 100)
• Best Cheap: GEICO (MoneyGeek score of 75 out of 100)
• Best for Service: Chubb (MoneyGeek score of 76 out of 100)

A company’s score can change depending on how each category is weighted. AAA California is the best car insurance company in California. With a rate of $914 per year, USAA is a great option for those in the military.

The following are the top car insurance companies in Oakland, each offering a balance of affordability and customer satisfaction:

• GEICO: MoneyGeek score of 75 out of 100 ($1,054 per year)
• Progressive: MoneyGeek score of 72 out of 100 ($1,118 per year)

GEICO ranked high in customer satisfaction and first in affordability. Based on these factors, you can expect quality customer service at an affordable rate.

The following companies will provide you with excellent service and quality regardless of their prices:

• Chubb: MoneyGeek score of 76 out of 100 ($1,917 per year)
• Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,401 per year)

Chubb has an almost perfect customer satisfaction rating and a high claims management score. It is the most expensive option in Oakland, so policyholders pay a premium for quality service with this company.

Based on a comparison of affordability and service quality among policies that meet the minimum coverage requirements in California, the following companies rank highest in Oakland:

• GEICO: MoneyGeek score 75 out of 100 ($345 per year)
• Progressive: MoneyGeek score 66 out of 100 ($474 per year)

A minimum coverage policy is the cheapest option in Oakland, but such policies don’t cover liability or vehicle damage.

The average cost of full coverage auto insurance in Oakland is $1,469 per year, $82 higher than the state average of $1,387 and $122 higher than the national average of $1,265 as of October 2022. These rates are for a full coverage policy with $100,000 for bodily injury liability per person, $300,000 for accident compensation and $100,000 for property damage. Insurance rates can vary depending on your location.