Cheapest and Best Car Insurance Companies in Oakland, CA


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ByMark Fitzpatrick
Edited byMargarita Barresi
ByMark Fitzpatrick
Edited byMargarita Barresi

Updated: May 20, 2024

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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.

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2024

Cheapest and Best Car Insurance in Oakland, CA

Why Trust MoneyGeek? MoneyGeek analyzed data from the California Department of Insurance and Quadrant Information Services.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Oakland

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$345Monthly Premium$29
CSAAAnnual Premium$473Monthly Premium$39
ProgressiveAnnual Premium$474Monthly Premium$39
State FarmAnnual Premium$501Monthly Premium$42
MercuryAnnual Premium$504Monthly Premium$42
TravelersAnnual Premium$570Monthly Premium$48
KemperAnnual Premium$583Monthly Premium$49
NationwideAnnual Premium$590Monthly Premium$49

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.

Cheapest Full Coverage Car Insurance in Oakland

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
GEICOAnnual Premium$1,054Monthly Premium$88
ProgressiveAnnual Premium$1,118Monthly Premium$93
State FarmAnnual Premium$1,256Monthly Premium$105
AllstateAnnual Premium$1,292Monthly Premium$108
MercuryAnnual Premium$1,349Monthly Premium$112
National GeneralAnnual Premium$1,365Monthly Premium$114
Capital Insurance GroupAnnual Premium$1,401Monthly Premium$117
NationwideAnnual Premium$1,528Monthly Premium$127

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.

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Cheapest Car Insurance in Oakland After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$1,434Monthly Premium$120
GEICOAnnual Premium$1,573Monthly Premium$131
Capital Insurance GroupAnnual Premium$1,608Monthly Premium$134
MercuryAnnual Premium$1,783Monthly Premium$149
State FarmAnnual Premium$1,859Monthly Premium$155
AllstateAnnual Premium$1,886Monthly Premium$157
CSAAAnnual Premium$1,964Monthly Premium$164
KemperAnnual Premium$2,096Monthly Premium$175

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.

Cheapest Car Insurance in Oakland for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,877Individual Plan Monthly Premium$5,422
State FarmFamily Plan Annual Premium$3,083Individual Plan Monthly Premium$5,543
AllstateFamily Plan Annual Premium$3,408Individual Plan Monthly Premium$6,971
Capital Insurance GroupFamily Plan Annual Premium$3,447Individual Plan Monthly Premium$4,107
FarmersFamily Plan Annual Premium$3,661Individual Plan Monthly Premium$6,518
ProgressiveFamily Plan Annual Premium$3,936Individual Plan Monthly Premium$7,270
TravelersFamily Plan Annual Premium$4,743Individual Plan Monthly Premium$6,228
NationwideFamily Plan Annual Premium$6,057Individual Plan Monthly Premium$13,915

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.

Cheapest Car Insurance in Oakland for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$914Monthly Premium$76
GEICOAnnual Premium$1,054Monthly Premium$88
ProgressiveAnnual Premium$1,118Monthly Premium$93
State FarmAnnual Premium$1,256Monthly Premium$105
AllstateAnnual Premium$1,292Monthly Premium$108
MercuryAnnual Premium$1,349Monthly Premium$112
National GeneralAnnual Premium$1,365Monthly Premium$114
Capital Insurance GroupAnnual Premium$1,401Monthly Premium$117

How to Compare Cheap Oakland Car Insurance Quotes Online

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.

Car Insurance Calculator

MoneyGeeks's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Jun 23, 2024

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Best Car Insurance in Oakland: Summary

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.

Best Overall Car Insurance in Oakland

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.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

Ranked #1 in affordability

checkmark

High customer satisfaction rating

checkmark

Offers mechanical breakdown add-on

cons

close

Average rating for coverages

close

Below-average claims handling score

COMPANY HIGHLIGHTS

GEICO stands out against its rivals as the best auto insurer in Oakland, offering high customer satisfaction and affordable policies.

GEICO’s Mechanical Breakdown Insurance (MBI) is similar to a typical dealer extended warranty but offers better coverage at a lower price. It includes all the car’s parts and systems and is available for new or leased vehicles under five years old and with less than 15,000 miles on the odometer.

Policyholders can also purchase GEICO’s roadside assistance add-on, which pays for flat tires, lockout services, jumpstarting and towing. In addition, the rental car/travel reimbursement coverage pays a preset amount for a rental vehicle if yours is not driveable for more than 24 hours after an accident.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Oakland for Customer Service

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.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Ranked #1 for claims management

checkmark

Scored high for customer satisfaction among other insurers

cons

close

Doesn’t have extensive coverage options

close

Has higher premiums than its competitors

COMPANY HIGHLIGHTS

Chubb provides excellent claims management and customer service based on J.D. Power reports and data from the National Association of Insurance Commissioners. While Chubb doesn’t have an extensive list of add-on coverages, it does offer some rare options.

Chubb’s OEM coverage pays for original parts if your vehicle needs repairs after a covered incident. The company wants to ensure your car’s safety systems perform properly in case of a subsequent accident. With Chubb’s Agreed Value coverage, you and the insurer agree on the value of your car when you sign the policy. If your car is totaled or stolen, the company gives you a check for the agreed-upon amount, which can save you thousands.

The company’s rental car reimbursement, while not rare, enables you to rent a car like yours if you need transportation after a covered incident. This add-on has a cap of $5K with no daily limits.

Best Cheap Car Insurance in Oakland

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.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

High customer satisfaction score

checkmark

Cheapest minimum coverage policy at $345 per year

cons

close

Below-average claims management score

COMPANY HIGHLIGHTS

Based on our research, GEICO offers the best cheap auto insurance in Oakland. It provides affordable policies and scores well for customer satisfaction. In addition, GEICO offers several discounts to help policyholders save even more.

The company rewards safety by providing discounts for airbags, anti-lock brakes, anti-theft systems, daytime running lights, using seat belts, taking a defensive driving course and remaining accident-free for three consecutive years. You also qualify for a discount if you bundle policies or insure multiple vehicles.

A young safe driver discount is available to unmarried drivers under 21 residing with their parents. In addition, teachers, federal employees, students with good grades, senior drivers and military members qualify for discounts.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Oakland

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.