Compare Rates and Save on Auto Insurance

widget-location-pin

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.

MoneyGeek Logo IconCheapest + BestCar InsuranceOakland
2023

Cheapest and Best Car Insurance in Oakland, CA

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.

Company
Annual Premium
Monthly Premium

GEICO

$342

$28

GEICO

$345

$29

State Farm

$379

$32

GEICO

$407

$34

CSAA

$473

$39

Progressive

$474

$39

Progressive

$480

$40

CSAA

$483

$40

State Farm

$501

$42

Mercury

$504

$42

Mercury

$517

$43

CSAA

$518

$43

Progressive

$562

$47

Nationwide

$567

$47

Travelers

$570

$47

Travelers

$570

$48

State Farm

$572

$48

Kemper

$583

$49

Nationwide

$590

$49

Capital Insurance Group

$615

$51

Hartford

$616

$51

Mercury

$632

$53

Capital Insurance Group

$638

$53

State National

$639

$53

Farmers

$649

$54

Travelers

$651

$54

State National

$658

$55

Allstate

$666

$56

Farmers

$668

$56

Kemper

$672

$56

Allstate

$673

$56

Hartford

$706

$59

Capital Insurance Group

$715

$60

Allstate

$724

$60

Nationwide

$746

$62

Farmers

$759

$63

Chubb

$776

$65

State National

$780

$65

Chubb

$800

$67

National General

$828

$69

National General

$853

$71

Kemper

$888

$74

Hartford

$916

$76

State Farm

$982

$82

GEICO

$1,014

$85

National General

$1,025

$85

GEICO

$1,054

$88

Chubb

$1,113

$93

Progressive

$1,116

$93

Progressive

$1,118

$93

GEICO

$1,210

$101

Allstate

$1,224

$102

State Farm

$1,256

$105

Allstate

$1,292

$108

Mercury

$1,313

$109

Capital Insurance Group

$1,319

$110

Progressive

$1,345

$112

Mercury

$1,349

$112

National General

$1,365

$114

Hartford

$1,374

$114

National General

$1,386

$116

Nationwide

$1,396

$116

Capital Insurance Group

$1,401

$117

Allstate

$1,433

$119

State Farm

$1,470

$123

State National

$1,482

$123

CSAA

$1,527

$127

Nationwide

$1,528

$127

CSAA

$1,553

$129

Kemper

$1,578

$132

Capital Insurance Group

$1,579

$132

Hartford

$1,579

$132

Travelers

$1,595

$133

State National

$1,601

$133

National General

$1,662

$138

Travelers

$1,681

$140

Farmers

$1,723

$144

CSAA

$1,736

$145

Mercury

$1,755

$146

Farmers

$1,766

$147

Chubb

$1,917

$160

Kemper

$1,944

$162

State National

$1,979

$165

Chubb

$1,979

$165

Nationwide

$2,004

$167

Travelers

$2,007

$167

Hartford

$2,043

$170

Farmers

$2,094

$175

Kemper

$2,350

$196

Chubb

$2,824

$235

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.

Company
Annual Premium
Monthly Premium

GEICO

$342

$28

GEICO

$345

$29

State Farm

$379

$32

GEICO

$407

$34

CSAA

$473

$39

Progressive

$474

$39

Progressive

$480

$40

CSAA

$483

$40

State Farm

$501

$42

Mercury

$504

$42

Mercury

$517

$43

CSAA

$518

$43

Progressive

$562

$47

Nationwide

$567

$47

Travelers

$570

$47

Travelers

$570

$48

State Farm

$572

$48

Kemper

$583

$49

Nationwide

$590

$49

Capital Insurance Group

$615

$51

Hartford

$616

$51

Mercury

$632

$53

Capital Insurance Group

$638

$53

State National

$639

$53

Farmers

$649

$54

Travelers

$651

$54

State National

$658

$55

Allstate

$666

$56

Farmers

$668

$56

Kemper

$672

$56

Allstate

$673

$56

Hartford

$706

$59

Capital Insurance Group

$715

$60

Allstate

$724

$60

Nationwide

$746

$62

Farmers

$759

$63

Chubb

$776

$65

State National

$780

$65

Chubb

$800

$67

National General

$828

$69

National General

$853

$71

Kemper

$888

$74

Hartford

$916

$76

State Farm

$982

$82

GEICO

$1,014

$85

National General

$1,025

$85

GEICO

$1,054

$88

Chubb

$1,113

$93

Progressive

$1,116

$93

Progressive

$1,118

$93

GEICO

$1,210

$101

Allstate

$1,224

$102

State Farm

$1,256

$105

Allstate

$1,292

$108

Mercury

$1,313

$109

Capital Insurance Group

$1,319

$110

Progressive

$1,345

$112

Mercury

$1,349

$112

National General

$1,365

$114

Hartford

$1,374

$114

National General

$1,386

$116

Nationwide

$1,396

$116

Capital Insurance Group

$1,401

$117

Allstate

$1,433

$119

State Farm

$1,470

$123

State National

$1,482

$123

CSAA

$1,527

$127

Nationwide

$1,528

$127

CSAA

$1,553

$129

Kemper

$1,578

$132

Capital Insurance Group

$1,579

$132

Hartford

$1,579

$132

Travelers

$1,595

$133

State National

$1,601

$133

National General

$1,662

$138

Travelers

$1,681

$140

Farmers

$1,723

$144

CSAA

$1,736

$145

Mercury

$1,755

$146

Farmers

$1,766

$147

Chubb

$1,917

$160

Kemper

$1,944

$162

State National

$1,979

$165

Chubb

$1,979

$165

Nationwide

$2,004

$167

Travelers

$2,007

$167

Hartford

$2,043

$170

Farmers

$2,094

$175

Kemper

$2,350

$196

Chubb

$2,824

$235

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.

Loading...
  • coins2 icon

    Compare

    Compare minimum and full coverage policies.

  • find icon

    Find a match

    Get matched with an insurer in Oakland.

  • financialPlanning icon

    Save

    Save hundreds of dollars per year.

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.

Company
Annual Premium
Monthly Premium

GEICO

$520

$43

GEICO

$526

$44

State Farm

$576

$48

CSAA

$588

$49

CSAA

$588

$49

CSAA

$600

$50

CSAA

$600

$50

State Farm

$602

$50

GEICO

$614

$51

GEICO

$619

$52

GEICO

$620

$52

CSAA

$645

$54

CSAA

$645

$54

Mercury

$648

$54

Mercury

$665

$55

Capital Insurance Group

$679

$57

Capital Insurance Group

$705

$59

Capital Insurance Group

$714

$60

GEICO

$730

$61

Capital Insurance Group

$741

$62

State Farm

$761

$63

Kemper

$775

$65

Capital Insurance Group

$791

$66

State Farm

$795

$66

Mercury

$811

$68

Mercury

$816

$68

GEICO

$819

$68

GEICO

$828

$69

Mercury

$832

$69

Capital Insurance Group

$833

$69

Progressive

$848

$71

Progressive

$862

$72

State Farm

$869

$72

National General

$875

$73

National General

$875

$73

Travelers

$875

$73

Nationwide

$876

$73

Travelers

$878

$73

Farmers

$883

$74

Farmers

$883

$74

Hartford

$889

$74

Hartford

$889

$74

Kemper

$895

$75

Mercury

$903

$75

National General

$903

$75

National General

$903

$75

State National

$905

$75

State National

$905

$75

State Farm

$908

$76

Farmers

$910

$76

Farmers

$910

$76

Nationwide

$911

$76

Mercury

$926

$77

Allstate

$932

$78

State National

$934

$78

State National

$934

$78

Progressive

$935

$78

Allstate

$941

$78

Progressive

$951

$79

Travelers

$972

$81

Travelers

$973

$81

GEICO

$975

$81

Nationwide

$976

$81

Chubb

$999

$83

Travelers

$1,011

$84

Nationwide

$1,015

$85

Progressive

$1,019

$85

Allstate

$1,019

$85

Progressive

$1,020

$85

Mercury

$1,021

$85

Chubb

$1,023

$85

Farmers

$1,033

$86

Farmers

$1,033

$86

Hartford

$1,033

$86

Hartford

$1,033

$86

Progressive

$1,040

$87

Capital Insurance Group

$1,066

$89

Allstate

$1,074

$90

National General

$1,084

$90

National General

$1,084

$90

Allstate

$1,085

$90

Farmers

$1,104

$92

Capital Insurance Group

$1,105

$92

State National

$1,110

$92

State National

$1,110

$92

Travelers

$1,123

$94

Progressive

$1,126

$94

Farmers

$1,137

$95

Mercury

$1,138

$95

Nationwide

$1,159

$97

Allstate

$1,177

$98

Travelers

$1,177

$98

Travelers

$1,180

$98

Kemper

$1,185

$99

State Farm

$1,186

$99

Chubb

$1,213

$101

Progressive

$1,232

$103

Chubb

$1,238

$103

Capital Insurance Group

$1,243

$104

National General

$1,250

$104

National General

$1,289

$107

Farmers

$1,291

$108

Nationwide

$1,292

$108

Kemper

$1,322

$110

Kemper

$1,322

$110

Chubb

$1,336

$111

Travelers

$1,367

$114

Hartford

$1,370

$114

Hartford

$1,370

$114

National General

$1,434

$120

National General

$1,434

$120

State Farm

$1,451

$121

National General

$1,457

$121

National General

$1,457

$121

Capital Insurance Group

$1,512

$126

GEICO

$1,515

$126

State Farm

$1,521

$127

Nationwide

$1,550

$129

Chubb

$1,550

$129

National General

$1,551

$129

Capital Insurance Group

$1,552

$129

State Farm

$1,568

$131

Chubb

$1,573

$131

GEICO

$1,573

$131

Chubb

$1,595

$133

Capital Insurance Group

$1,608

$134

Kemper

$1,608

$134

Kemper

$1,608

$134

Nationwide

$1,614

$134

CSAA

$1,632

$136

State National

$1,641

$137

Capital Insurance Group

$1,653

$138

CSAA

$1,667

$139

GEICO

$1,682

$140

State National

$1,692

$141

Mercury

$1,736

$145

GEICO

$1,742

$145

National General

$1,746

$146

National General

$1,746

$146

Allstate

$1,782

$149

Mercury

$1,783

$149

State Farm

$1,791

$149

CSAA

$1,795

$150

GEICO

$1,808

$151

Capital Insurance Group

$1,815

$151

State Farm

$1,859

$155

Capital Insurance Group

$1,863

$155

Allstate

$1,886

$157

Chubb

$1,908

$159

Allstate

$1,931

$161

CSAA

$1,934

$161

CSAA

$1,934

$161

State Farm

$1,945

$162

Allstate

$1,953

$163

CSAA

$1,964

$164

CSAA

$1,964

$164

GEICO

$2,005

$167

State National

$2,023

$169

Kemper

$2,027

$169

Kemper

$2,027

$169

National General

$2,033

$169

Hartford

$2,050

$171

Hartford

$2,050

$171

Nationwide

$2,061

$172

National General

$2,065

$172

Kemper

$2,096

$175

Allstate

$2,099

$175

Progressive

$2,105

$175

State National

$2,108

$176

State National

$2,108

$176

Progressive

$2,111

$176

Allstate

$2,123

$177

Hartford

$2,135

$178

Nationwide

$2,165

$180

Mercury

$2,169

$181

State Farm

$2,174

$181

CSAA

$2,193

$183

CSAA

$2,193

$183

Allstate

$2,218

$185

Mercury

$2,231

$186

State Farm

$2,276

$190

State National

$2,277

$190

State National

$2,277

$190

Progressive

$2,293

$191

Progressive

$2,294

$191

Mercury

$2,313

$193

Mercury

$2,325

$194

Allstate

$2,358

$197

Capital Insurance Group

$2,362

$197

Hartford

$2,367

$197

Hartford

$2,367

$197

Mercury

$2,370

$198

Nationwide

$2,373

$198

Farmers

$2,380

$198

Farmers

$2,380

$198

GEICO

$2,393

$199

Nationwide

$2,414

$201

Travelers

$2,420

$202

Farmers

$2,441

$203

Farmers

$2,441

$203

National General

$2,477

$206

GEICO

$2,484

$207

Capital Insurance Group

$2,513

$209

Chubb

$2,514

$210

Hartford

$2,520

$210

Travelers

$2,542

$212

Progressive

$2,550

$212

Chubb

$2,576

$215

Kemper

$2,582

$215

Progressive

$2,616

$218

Progressive

$2,619

$218

Allstate

$2,634

$220

Nationwide

$2,647

$221

Travelers

$2,685

$224

Progressive

$2,776

$231

Travelers

$2,815

$235

State National

$2,818

$235

State National

$2,818

$235

Capital Insurance Group

$2,839

$237

GEICO

$2,857

$238

Farmers

$2,895

$241

Farmers

$2,895

$241

Mercury

$2,909

$242

Farmers

$2,974

$248

State Farm

$3,009

$251

Farmers

$3,049

$254

Travelers

$3,062

$255

Mercury

$3,084

$257

Hartford

$3,088

$257

Hartford

$3,088

$257

Chubb

$3,095

$258

Nationwide

$3,122

$260

Kemper

$3,125

$260

Chubb

$3,155

$263

Progressive

$3,173

$264

Travelers

$3,381

$282

Travelers

$3,396

$283

Chubb

$3,424

$285

Hartford

$3,428

$286

Kemper

$3,470

$289

Kemper

$3,470

$289

Nationwide

$3,489

$291

Travelers

$3,562

$297

Farmers

$3,618

$302

Nationwide

$3,846

$321

State Farm

$3,852

$321

Allstate

$3,898

$325

State National

$3,936

$328

Chubb

$4,002

$334

Chubb

$4,059

$338

Chubb

$4,119

$343

Allstate

$4,141

$345

Nationwide

$4,223

$352

State National

$4,261

$355

Travelers

$4,321

$360

Kemper

$4,393

$366

Kemper

$4,393

$366

State Farm

$4,504

$375

Allstate

$4,626

$386

Hartford

$4,935

$411

Chubb

$4,967

$414

Kemper

$5,186

$432

Kemper

$5,186

$432

State National

$5,289

$441

CSAA

$5,469

$456

CSAA

$5,559

$463

Nationwide

$5,581

$465

Hartford

$5,748

$479

CSAA

$6,223

$519

Hartford

$7,622

$635

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,286

$2,120

GEICO

$1,311

$2,353

GEICO

$1,316

$2,169

GEICO

$1,333

$2,277

GEICO

$1,347

$2,417

GEICO

$1,348

$2,223

GEICO

$1,365

$2,549

GEICO

$1,383

$2,482

GEICO

$1,522

$2,336

GEICO

$1,562

$2,625

Capital Insurance Group

$1,827

$2,247

Capital Insurance Group

$1,827

$2,247

Allstate

$1,853

$3,060

Allstate

$1,853

$3,060

Progressive

$1,885

$2,721

Progressive

$1,885

$2,721

Allstate

$1,937

$3,199

Allstate

$1,937

$3,199

GEICO

$1,953

$3,377

Allstate

$1,986

$3,552

Allstate

$1,986

$3,552

Allstate

$2,003

$3,309

Allstate

$2,003

$3,309

GEICO

$2,014

$3,828

Progressive

$2,041

$2,946

Progressive

$2,041

$2,946

Capital Insurance Group

$2,079

$2,660

Capital Insurance Group

$2,079

$2,660

Nationwide

$2,106

$4,001

Nationwide

$2,106

$4,001

State Farm

$2,131

$2,876

State Farm

$2,131

$2,876

GEICO

$2,136

$3,278

Allstate

$2,138

$3,580

Allstate

$2,138

$3,580

Capital Insurance Group

$2,163

$2,660

Capital Insurance Group

$2,163

$2,660

Capital Insurance Group

$2,163

$2,660

Capital Insurance Group

$2,163

$2,660

Progressive

$2,185

$3,642

Progressive

$2,185

$3,642

GEICO

$2,203

$3,703

State Farm

$2,216

$2,991

State Farm

$2,216

$2,991

State Farm

$2,254

$3,244

State Farm

$2,254

$3,244

State Farm

$2,267

$3,060

State Farm

$2,267

$3,060

Progressive

$2,289

$3,303

Progressive

$2,289

$3,303

Nationwide

$2,306

$4,381

Nationwide

$2,306

$4,381

Nationwide

$2,379

$5,000

Nationwide

$2,379

$5,000

State Farm

$2,415

$3,310

State Farm

$2,415

$3,310

Capital Insurance Group

$2,422

$2,993

Capital Insurance Group

$2,422

$2,993

Allstate

$2,458

$4,585

Allstate

$2,458

$4,585

Nationwide

$2,474

$4,701

Nationwide

$2,474

$4,701

Allstate

$2,497

$4,181

Allstate

$2,497

$4,181

Farmers

$2,498

$3,144

Farmers

$2,498

$3,144

Capital Insurance Group

$2,510

$2,993

Capital Insurance Group

$2,510

$2,993

State Farm

$2,561

$3,680

State Farm

$2,561

$3,680

State Farm

$2,582

$3,539

State Farm

$2,582

$3,539

Travelers

$2,627

$3,311

Travelers

$2,627

$3,311

Capital Insurance Group

$2,687

$3,321

Capital Insurance Group

$2,687

$3,321

GEICO

$2,690

$4,878

Progressive

$2,712

$3,990

Progressive

$2,712

$3,990

Travelers

$2,720

$3,428

Travelers

$2,720

$3,428

Nationwide

$2,771

$5,459

Nationwide

$2,771

$5,459

Travelers

$2,779

$3,692

Travelers

$2,779

$3,692

GEICO

$2,797

$5,568

Kemper

$2,799

$4,117

Kemper

$2,799

$4,117

Farmers

$2,803

$3,656

Farmers

$2,803

$3,656

Travelers

$2,840

$3,579

Travelers

$2,840

$3,579

State Farm

$2,848

$4,665

State Farm

$2,848

$4,665

GEICO

$2,877

$5,422

Farmers

$2,904

$3,656

Farmers

$2,904

$3,656

Farmers

$2,904

$3,656

Farmers

$2,904

$3,656

GEICO

$2,951

$5,349

Kemper

$2,956

$4,347

Kemper

$2,956

$4,347

GEICO

$3,006

$6,258

State Farm

$3,017

$4,944

State Farm

$3,017

$4,944

GEICO

$3,079

$6,129

State Farm

$3,083

$5,543

State Farm

$3,083

$5,543

Travelers

$3,108

$3,879

Travelers

$3,108

$3,879

Kemper

$3,109

$5,101

Kemper

$3,109

$5,101

Farmers

$3,141

$4,199

Farmers

$3,141

$4,199

Kemper

$3,211

$4,723

Kemper

$3,211

$4,723

Allstate

$3,289

$6,613

Allstate

$3,289

$6,613

Travelers

$3,379

$4,489

Travelers

$3,379

$4,489

Progressive

$3,393

$5,677

Progressive

$3,393

$5,677

Farmers

$3,395

$4,837

Farmers

$3,395

$4,837

Allstate

$3,408

$6,971

Allstate

$3,408

$6,971

Nationwide

$3,417

$7,555

Nationwide

$3,417

$7,555

Farmers

$3,428

$4,583

Farmers

$3,428

$4,583

Travelers

$3,433

$4,284

Travelers

$3,433

$4,284

Capital Insurance Group

$3,447

$4,107

Capital Insurance Group

$3,447

$4,107

Capital Insurance Group

$3,447

$4,107

Capital Insurance Group

$3,447

$4,107

Capital Insurance Group

$3,447

$4,107

Capital Insurance Group

$3,447

$4,107

Allstate

$3,468

$6,971

Allstate

$3,468

$6,971

Farmers

$3,573

$6,233

Farmers

$3,573

$6,233

Kemper

$3,592

$5,401

Kemper

$3,592

$5,401

Progressive

$3,608

$5,307

Progressive

$3,608

$5,307

Nationwide

$3,644

$7,179

Nationwide

$3,644

$7,179

Farmers

$3,661

$6,518

Farmers

$3,661

$6,518

Farmers

$3,672

$6,405

Farmers

$3,672

$6,405

Kemper

$3,880

$5,834

Kemper

$3,880

$5,834

Progressive

$3,913

$7,211

Progressive

$3,913

$7,211

Kemper

$3,915

$6,422

Kemper

$3,915

$6,422

Progressive

$3,936

$7,270

Progressive

$3,936

$7,270

Progressive

$3,951

$7,280

Progressive

$3,951

$7,280

Travelers

$4,526

$5,672

Travelers

$4,526

$5,672

Travelers

$4,731

$5,929

Travelers

$4,731

$5,929

Travelers

$4,743

$6,228

Travelers

$4,743

$6,228

Nationwide

$5,218

$10,252

Nationwide

$5,218

$10,252

Nationwide

$5,869

$11,531

Nationwide

$5,869

$11,531

Kemper

$5,920

$8,773

Kemper

$5,920

$8,773

Nationwide

$6,057

$13,915

Nationwide

$6,057

$13,915

Kemper

$6,502

$9,635

Kemper

$6,502

$9,635

Kemper

$6,561

$10,762

Kemper

$6,561

$10,762

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.

Company
Annual Premium
Monthly Premium

GEICO

$342

$28

GEICO

$345

$29

USAA

$378

$31

USAA

$378

$32

State Farm

$379

$32

GEICO

$407

$34

USAA

$458

$38

CSAA

$473

$39

Progressive

$474

$39

Progressive

$480

$40

CSAA

$483

$40

State Farm

$501

$42

Mercury

$504

$42

Mercury

$517

$43

CSAA

$518

$43

Progressive

$562

$47

Nationwide

$567

$47

Travelers

$570

$47

Travelers

$570

$48

State Farm

$572

$48

Kemper

$583

$49

Nationwide

$590

$49

Capital Insurance Group

$615

$51

Hartford

$616

$51

Mercury

$632

$53

Capital Insurance Group

$638

$53

State National

$639

$53

Farmers

$649

$54

Travelers

$651

$54

State National

$658

$55

Allstate

$666

$56

Farmers

$668

$56

Kemper

$672

$56

Allstate

$673

$56

Hartford

$706

$59

Capital Insurance Group

$715

$60

Allstate

$724

$60

Nationwide

$746

$62

Farmers

$759

$63

Chubb

$776

$65

State National

$780

$65

Chubb

$800

$67

National General

$828

$69

National General

$853

$71

Kemper

$888

$74

USAA

$890

$74

USAA

$914

$76

Hartford

$916

$76

State Farm

$982

$82

GEICO

$1,014

$85

National General

$1,025

$85

GEICO

$1,054

$88

USAA

$1,095

$91

Chubb

$1,113

$93

Progressive

$1,116

$93

Progressive

$1,118

$93

GEICO

$1,210

$101

Allstate

$1,224

$102

State Farm

$1,256

$105

Allstate

$1,292

$108

Mercury

$1,313

$109

Capital Insurance Group

$1,319

$110

Progressive

$1,345

$112

Mercury

$1,349

$112

National General

$1,365

$114

Hartford

$1,374

$114

National General

$1,386

$116

Nationwide

$1,396

$116

Capital Insurance Group

$1,401

$117

Allstate

$1,433

$119

State Farm

$1,470

$123

State National

$1,482

$123

CSAA

$1,527

$127

Nationwide

$1,528

$127

CSAA

$1,553

$129

Kemper

$1,578

$132

Capital Insurance Group

$1,579

$132

Hartford

$1,579

$132

Travelers

$1,595

$133

State National

$1,601

$133

National General

$1,662

$138

Travelers

$1,681

$140

Farmers

$1,723

$144

CSAA

$1,736

$145

Mercury

$1,755

$146

Farmers

$1,766

$147

Chubb

$1,917

$160

Kemper

$1,944

$162

State National

$1,979

$165

Chubb

$1,979

$165

Nationwide

$2,004

$167

Travelers

$2,007

$167

Hartford

$2,043

$170

Farmers

$2,094

$175

Kemper

$2,350

$196

Chubb

$2,824

$235

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

California
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

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

Ranked #1 in affordability

High customer satisfaction rating

Offers mechanical breakdown add-on

cons

Average rating for coverages

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

Ranked #1 for claims management

Scored high for customer satisfaction among other insurers

cons

Doesn’t have extensive coverage options

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

High customer satisfaction score

Cheapest minimum coverage policy at $345 per year

cons

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.