Cheapest and Best Car Insurance in Oakland, CA (July 2024)


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Updated: October 4, 2024

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In Oakland, California, GEICO offers the cheapest minimum coverage car insurance and is the most affordable for families with teens. Progressive is the most inexpensive provider for full coverage. Chubb stands out for customer service, while Capital Insurance Group provides the best overall value, balancing cost and service. The ideal insurer for you hinges on personal preferences and coverage requirements.

MoneyGeek Logo IconBest & CheapestCar InsuranceOakland
2024

Cheapest and Best Car Insurance in Oakland

Why Trust MoneyGeek? We analyzed 352,910 quotes in California from 18 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Oakland insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Oakland, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Oakland

MoneyGeek found that GEICO is the best option in Oakland for drivers seeking the cheapest car insurance. For budget-conscious drivers, this can mean significant savings on their auto insurance policy.

  • GEICO: $392 per year
  • Mercury: $473 per year

The most expensive policy in Oakland comes from National General, at $811 per year. The $419 difference between the cheapest and most costly options underscores the value of comparing car insurance rates to ensure you're receiving a competitive offer.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$392Monthly Premium$33
MercuryAnnual Premium$473Monthly Premium$39
ProgressiveAnnual Premium$478Monthly Premium$40
CSAAAnnual Premium$495Monthly Premium$41
Capital Insurance GroupAnnual Premium$569Monthly Premium$47
State FarmAnnual Premium$579Monthly Premium$48
KemperAnnual Premium$583Monthly Premium$49
FarmersAnnual Premium$609Monthly Premium$51
State NationalAnnual Premium$658Monthly Premium$55
HartfordAnnual Premium$684Monthly Premium$57
NationwideAnnual Premium$693Monthly Premium$58
AllstateAnnual Premium$709Monthly Premium$59
TravelersAnnual Premium$726Monthly Premium$61
ChubbAnnual Premium$776Monthly Premium$65
National GeneralAnnual Premium$811Monthly Premium$68

State Minimum Liability Requirements

In California, state law sets car insurance coverage minimums. Drivers are required to carry:

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

Suppose you have a minimum coverage policy and are at fault in an accident. In that case, your insurer will cover up to $15,000 for any one person's injuries and a total of $30,000 for all injuries in that accident. If the injured party's medical bills exceed your policy's minimums, you have to pay the excess out of pocket. This is the risk of just having minimum coverage.

Cheapest Full Coverage Car Insurance in Oakland

MoneyGeek found that Progressive offers the cheapest full coverage car insurance in Oakland, providing substantial savings without skimping on coverage. When searching for the cheapest full coverage car insurance, consider these top two affordable options:

  • Progressive: $1,167 per year
  • GEICO: $1,205 per year

Farmers has the most expensive full coverage policy in Oakland, costing $2,273 per year — $1,106 more than Progressive. This price difference emphasizes the importance of comparing rates to secure affordable full coverage car insurance, which ensures broad protection against various incidents on the road. Full coverage policies generally cost more than minimum coverage because they provide comprehensive and collision insurance, offering a wider safety net than basic liability insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,167Monthly Premium$97
GEICOAnnual Premium$1,205Monthly Premium$100
AllstateAnnual Premium$1,390Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,419Monthly Premium$118
MercuryAnnual Premium$1,429Monthly Premium$119
HartfordAnnual Premium$1,557Monthly Premium$130
KemperAnnual Premium$1,578Monthly Premium$132
State NationalAnnual Premium$1,601Monthly Premium$133
State FarmAnnual Premium$1,601Monthly Premium$133
National GeneralAnnual Premium$1,651Monthly Premium$138
CSAAAnnual Premium$1,816Monthly Premium$151
NationwideAnnual Premium$1,888Monthly Premium$157
ChubbAnnual Premium$1,917Monthly Premium$160
TravelersAnnual Premium$2,234Monthly Premium$186
FarmersAnnual Premium$2,273Monthly Premium$189

Do You Need Full Coverage in California?

Full coverage policies have increased liability limits and integrate both comprehensive and collision coverages:

  • Collision Insurance: This insurance type pays for damage to your automobile caused by a crash, whether with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This coverage compensates you for your vehicle's damage due to incidents other than collisions, such as theft, vandalism, fires, extreme weather conditions or being struck by an animal like a deer.

Opting for full coverage is generally advisable when you own a new vehicle to protect your substantial investment. However, the added coverage may not justify the extra cost for older vehicles. Understanding how much car insurance you need requires a careful evaluation of the risks of being underinsured against the cost of higher premiums.

Cheapest Car Insurance in Oakland After a Driving Offense

MoneyGeek found that Capital Insurance Group offers the most affordable full coverage policies for drivers with a poor driving record in Oakland. Annual premiums vary based on the specific infraction:

  • Speeding Ticket: Capital Insurance Group ($1,637 per year)
  • At-Fault Accident: Capital Insurance Group ($1,678 per year)
  • DUI: National General ($1,732 per year)

CSAA presents the most expensive rate after a DUI, charging an annual premium of $6,517. The difference in annual rates between the cheapest after a speeding ticket and the cheapest following a DUI is $95, underscoring how premiums can increase with the severity of the violation.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Capital Insurance GroupAnnual Premium$1,637Monthly Premium$136
National GeneralAnnual Premium$1,732Monthly Premium$144
GEICOAnnual Premium$1,784Monthly Premium$149
MercuryAnnual Premium$1,892Monthly Premium$158
AllstateAnnual Premium$2,027Monthly Premium$169
KemperAnnual Premium$2,096Monthly Premium$175
ProgressiveAnnual Premium$2,205Monthly Premium$184
State NationalAnnual Premium$2,277Monthly Premium$190
CSAAAnnual Premium$2,300Monthly Premium$192
HartfordAnnual Premium$2,334Monthly Premium$195
State FarmAnnual Premium$2,363Monthly Premium$197
ChubbAnnual Premium$2,514Monthly Premium$210
FarmersAnnual Premium$3,151Monthly Premium$263
NationwideAnnual Premium$3,271Monthly Premium$273
TravelersAnnual Premium$3,379Monthly Premium$282

Driving offenses in cities like Oakland can sharply increase insurance rates to reflect the higher risk and potential costs associated with more severe infractions. For instance, drivers with a DUI offense face an average annual rate of $3,962, compared to $2,331 for those with a speeding ticket — a substantial difference of $1,631. These increased rates make it essential for drivers with offenses to diligently compare insurance quotes, ensuring they secure the most financially advantageous coverage for their situation.

Cheapest Car Insurance in Oakland for Teens and Their Families

MoneyGeek found that GEICO offers the most affordable full coverage car insurance for male and female teens in Oakland. This is a valuable insight to consider for those searching for the cheapest car insurance for teens.

  • GEICO: $2,877 per year for female teens and $3,006 per year for male teens
  • State Farm: $3,083 per year for female and male teens

Kemper has the priciest family policy for teens in Oakland, with an annual premium of $6,561 for female teens. The significant rate difference between the cheapest and most expensive policies underscores the importance of comparing insurance quotes, especially for those who need to insure a teenager — a demographic often associated with elevated risk on the road.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,877Individual Plan Monthly Premium$3,349
State FarmFamily Plan Annual Premium$3,083Individual Plan Monthly Premium$3,145
AllstateFamily Plan Annual Premium$3,408Individual Plan Monthly Premium$3,725
Capital Insurance GroupFamily Plan Annual Premium$3,447Individual Plan Monthly Premium$3,216
FarmersFamily Plan Annual Premium$3,661Individual Plan Monthly Premium$4,755
ProgressiveFamily Plan Annual Premium$3,936Individual Plan Monthly Premium$3,920
TravelersFamily Plan Annual Premium$4,743Individual Plan Monthly Premium$3,971
NationwideFamily Plan Annual Premium$6,057Individual Plan Monthly Premium$7,849
KemperFamily Plan Annual Premium$6,561Individual Plan Monthly Premium$6,400

In Oakland, as well as other urban areas, the financial burden of car insurance weighs heavily on teens seeking individual policies. The average annual premium for a teen buying independently stands at a hefty $4,538, compared to $4,211 if they opt into a joint family plan. The stark premium difference is attributed to the heightened risks insurers associate with teenage drivers—lack of experience, higher accident propensity, and a statistical likelihood of filing claims. Consequently, this high-risk demographic often faces challenges in securing individual coverage, as insurers may be hesitant to underwrite policies for them without the buffer of a more balanced family insurance risk profile.

Cheapest Car Insurance in Oakland for Military Drivers

MoneyGeek found that Progressive is the cheapest option in Oakland for full coverage car insurance tailored for those with military backgrounds. Those looking for the cheapest car insurance for military backgrounds can consider the following providers:

  • Progressive: $1,167 per year
  • GEICO: $1,205 per year

Although USAA is the third cheapest provider, it has a competitive annual premium of $1,285. It provides services specifically tailored to the needs of active-duty military insurance. USAA's specialized services might make it a valuable option for military personnel looking for car insurance despite slightly higher rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
ProgressiveAnnual Premium$1,167Monthly Premium$97
GEICOAnnual Premium$1,205Monthly Premium$100
USAAAnnual Premium$1,285Monthly Premium$107
AllstateAnnual Premium$1,390Monthly Premium$116
Capital Insurance GroupAnnual Premium$1,419Monthly Premium$118
MercuryAnnual Premium$1,429Monthly Premium$119
HartfordAnnual Premium$1,557Monthly Premium$130
KemperAnnual Premium$1,578Monthly Premium$132
State NationalAnnual Premium$1,601Monthly Premium$133
State FarmAnnual Premium$1,601Monthly Premium$133
National GeneralAnnual Premium$1,651Monthly Premium$138
CSAAAnnual Premium$1,816Monthly Premium$151
NationwideAnnual Premium$1,888Monthly Premium$157
ChubbAnnual Premium$1,917Monthly Premium$160
TravelersAnnual Premium$2,234Monthly Premium$186
FarmersAnnual Premium$2,273Monthly Premium$189

How to Compare Cheap Oakland Car Insurance Quotes Online

Securing the best car insurance rates in Oakland is key to savings. However, manually comparing rates is a lengthy process — it often takes up to 15 minutes per company. For a thorough comparison of at least three companies, expect to invest over an hour.

MoneyGeek's car insurance calculator simplifies this task, delivering instant estimates by concentrating on the crucial elements that influence Oakland's car insurance costs. To receive your tailored rate estimate, provide details such as your age, driving history, credit score, desired coverage levels and other relevant factors.

Car Insurance Calculator

MoneyGeek'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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Rates updated:

Oct 11, 2024

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Best Car Insurance in Oakland: Overview

Finding the right auto insurance depends on your priorities, whether it be service quality, cost, coverage options or a combination of these and other factors. With MoneyGeek's unique scoring for various categories, we've identified Oakland's best insurers to suit different needs:

  • Best overall: Capital Insurance Group (MoneyGeek score 84 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Capital Insurance Group (MoneyGeek score 77 out of 100)

Those looking for an insurance provider that excels in service without compromising on cost should consider Chubb, which is recognized for exceptional service. Meanwhile, Capital Insurance Group is the best overall option in Oakland, balancing high-quality service and affordability. Additionally, if saving money is a top priority, Capital Insurance Group is also the best in affordability, making it an excellent choice for budget-conscious consumers seeking good service.

Overall Best Car Insurance in Oakland

MoneyGeek found that Capital Insurance Group provides the best car insurance in Oakland.

  • Capital Insurance Group: MoneyGeek score of 84 out of 100 ($1,419 per year)
  • Chubb: MoneyGeek score of 83 out of 100 ($1,917 per year)

Capital Insurance Group distinguishes itself by excelling in the areas customers care about most: satisfaction and affordability. Its well-rounded offerings provide high-quality coverage that meets the needs of Oakland drivers, making it the top choice for those seeking peace of mind on the road.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
84/ of 100

Overview

Capital Insurance Group's high MoneyGeek score is primarily due to its top-rated satisfaction and strong claims handling. Although it doesn't provide rental car and/or travel reimbursement, it does offer roadside assistance. Despite lacking some coverages, Capital Insurance Group is an excellent choice given its high customer satisfaction and claims service scores.

Capital Insurance Group caters to diverse needs with full glass coverage, ensuring convenient auto glass repairs that can be invaluable after minor incidents. Moreover, it offers custom parts coverage, which is highly beneficial for drivers who customize their vehicles as it guarantees replacement with name-brand components. These offerings underscore the adaptability of Capital Insurance Group's car insurance to both everyday and specific customer requirements.

Best Car Insurance in Oakland for Customer Service

MoneyGeek found that Chubb is the best option in Oakland for customer service in car insurance, with exceptional scores in overall satisfaction, claims handling and coverage options, without considering rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($1,917 per year)
  • Capital Insurance Group: MoneyGeek score of 82*out of 100 ($1,419 per year)

Chubb distinguishes itself with its top-tier claims process and broad coverage features, which are significant factors in its high MoneyGeek score. Its dedication to client satisfaction is also evident, protecting its policyholders in Oakland.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb's high MoneyGeek score is predominantly due to its exceptional satisfaction and claims performance. The company offers rental car and/or travel reimbursement, ensuring thorough protection for drivers. However, Chubb doesn't offer roadside assistance, which is a slight drawback. Its robust selection of other coverages compensates for this, providing customers with valuable security.

Drivers can benefit from Chubb's antique/classic car insurance, a rare option that caters to the needs of vintage car enthusiasts by safeguarding their treasured vehicles. The OEM coverage is equally advantageous and widely applicable, essential for maintaining a car's integrity with manufacturer-specific parts after an accident. These offerings enhance Chubb's robust portfolio, adding to its high MoneyGeek scores in satisfaction and claims — further testament to its reliability and customer-first approach.

Best Cheap Car Insurance in Oakland

MoneyGeek found that Capital Insurance Group is the best option for affordable car insurance in Oakland. This company offers competitive rates and upholds a strong track record in claims handling and customer satisfaction. Here are the top two providers:

  • Capital Insurance Group: MoneyGeek score of 77 out of 100 ($569 per year)
  • Mercury: MoneyGeek score of 77 out of 100 ($473 per year)

Capital Insurance Group distinguishes itself by achieving an exceptional balance between cost and service quality. The company's high MoneyGeek score is a testament to its affordability, particularly for minimum coverage policies, while maintaining excellent claims service and customer satisfaction.

Company logo for Capital Insurance Group
Best Cheap CompanyCapital Insurance Group
MoneyGeek Score:
77/ of 100

Overview

Capital Insurance Group leads the ranks due to exceptional satisfaction and robust claims handling. With an average annual premium of approximately $569, drivers enjoy minimal coverage costs by paying less than $50 per month. Customers benefit from rare discounts like the good student discount, which rewards achieving students with lower premiums. However, Capital Insurance Group does not carry the most common discounts such as bundling, multiple car or safe driving. Still, the company’s exceptional affordability is evident.

Capital Insurance Group's solid MoneyGeek score is significantly influenced by its impressive affordability, superior satisfaction score and strong claims score. These factors ensure that customers receive excellent service without compromising on cost-effectiveness or claims support.

Average Cost of Car Insurance in Oakland

In Oakland, California, the average car insurance cost is $1,657 per year. This figure is higher than the average car insurance cost in California, which is $1,562, indicating that Oakland residents tend to pay $95 more for their auto insurance. Compared to the national average, California's average is less expensive by $219, with the national average costing $1,781 per year.

Car insurance premiums hinge on various factors, with location playing a significant role. Factors such as local traffic conditions, accident rates, theft statistics and weather patterns can significantly impact insurance costs in different places. For instance, Santa Maria has the cheapest premium at $1,251 per year, which is $311 less than the state average. On the other hand, Glendale has the most expensive annual premium of $2,433, which is $871 more than what Californians generally pay. These examples illustrate how dramatically premiums can differ even within the same state. Rates can be even more favorable in less populated areas with fewer cars on the road and, thus, lower traffic density.

AnaheimAnnual Premium$1,632
AntiochAnnual Premium$1,573
ArdenAnnual Premium$1,592
BakersfieldAnnual Premium$1,394
BerkeleyAnnual Premium$1,489
BurbankAnnual Premium$1,968
CarlsbadAnnual Premium$1,364
Chula VistaAnnual Premium$1,331
ClovisAnnual Premium$1,395
ConcordAnnual Premium$1,473
CoronaAnnual Premium$1,525
Costa MesaAnnual Premium$1,501
Daly CityAnnual Premium$1,712
DowneyAnnual Premium$1,749
East Los AngelesAnnual Premium$1,800
El CajonAnnual Premium$1,438
El MonteAnnual Premium$1,784
Elk GroveAnnual Premium$1,535
EscondidoAnnual Premium$1,382
FairfieldAnnual Premium$1,392
FontanaAnnual Premium$1,565
FremontAnnual Premium$1,446
FresnoAnnual Premium$1,442
FullertonAnnual Premium$1,661
Garden GroveAnnual Premium$1,679
GlendaleAnnual Premium$2,433
HaywardAnnual Premium$1,549
Huntington BeachAnnual Premium$1,523
InglewoodAnnual Premium$1,963
IrvineAnnual Premium$1,585
Jurupa ValleyAnnual Premium$1,507
LancasterAnnual Premium$1,670
Long BeachAnnual Premium$1,685
Los AngelesAnnual Premium$2,138
ModestoAnnual Premium$1,577
Moreno ValleyAnnual Premium$1,546
MurrietaAnnual Premium$1,415
NorwalkAnnual Premium$1,661
OaklandAnnual Premium$1,657
OceansideAnnual Premium$1,396
OntarioAnnual Premium$1,565
OrangeAnnual Premium$1,462
OxnardAnnual Premium$1,436
PalmdaleAnnual Premium$1,722
PasadenaAnnual Premium$1,798
PomonaAnnual Premium$1,630
Rancho CucamongaAnnual Premium$1,503
RialtoAnnual Premium$1,577
RichmondAnnual Premium$1,562
RiversideAnnual Premium$1,543
RosevilleAnnual Premium$1,458
SacramentoAnnual Premium$1,494
SalinasAnnual Premium$1,346
San BernardinoAnnual Premium$1,567
San DiegoAnnual Premium$1,349
San FranciscoAnnual Premium$1,670
San JoseAnnual Premium$1,429
San MateoAnnual Premium$1,385
Santa AnaAnnual Premium$1,577
Santa ClaraAnnual Premium$1,420
Santa ClaritaAnnual Premium$1,634
Santa MariaAnnual Premium$1,251
Santa RosaAnnual Premium$1,479
Simi ValleyAnnual Premium$1,528
StocktonAnnual Premium$1,594
SunnyvaleAnnual Premium$1,413
TemeculaAnnual Premium$1,432
Thousand OaksAnnual Premium$1,589
TorranceAnnual Premium$1,518
VallejoAnnual Premium$1,547
VenturaAnnual Premium$1,341
VictorvilleAnnual Premium$1,598
VisaliaAnnual Premium$1,333
VistaAnnual Premium$1,355
West CovinaAnnual Premium$1,667
Local Insurance Companies Near You
Company
Address
Phone
Website

Abdumhmood Insurance Agency

3937 Martin Luther King Jr Way, Oakland, CA 94609

(510) 227-6520

Farmers Insurance - Norman Garcia

8105 Edgewater Dr Ste 118, Oakland, CA 94621

(510) 878-7555

All Purpose Insurance Agency

5857 MacArthur Blvd, Oakland, CA 94605

(510) 382-1900

Rightworks Insurance Services

3018 Foothill Blvd, Oakland, CA 94601

(510) 534-9203

CCR Insurance Services, Inc

5035 International Blvd, Oakland, CA 94601

(510) 436-9114

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.