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.
Last Updated: 5/16/2022
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Mark Fitzpatrick
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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 rated the best auto insurance companies in Oakland to ensure that you can easily find high-quality and 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 based on 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
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:87.5
5
State Farm
Score:87.5
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:82.5
9
Allstate
Score:82.5
10
Safeco
Score:80
11
CSAA
Score:77.5
12
Liberty Mutual
Score:77.5
13
Farmers
Score:77.5
14
Mercury
Score:77.5
15
Nationwide
Score:75
16
Kemper
Score:70
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 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.
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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