In Oakland, State Farm offers the best home insurance, balancing affordability, customer service and coverage options. For those focused on price, State Farm also provides the lowest premium at $81 per month.
Cheap Home Insurance in Oakland
Updated: November 3, 2025
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Key Takeaways
The best overall home insurance company in Oakland is State Farm, which also offers the cheapest rate at $976 per year.
Home insurance in Oakland costs an average of $148 per month, or approximately $1,778 annually, for most residents.
To find the best and cheapest home insurance in Oakland, assess your coverage needs, research providers and compare multiple quotes.
Best Cheap Home Insurance Companies in Oakland
| State Farm | 92 | $81 | $976 |
| Travelers | 75 | $127 | $1,528 |
| Allstate | 73 | $110 | $1,325 |
| Chubb | 68 | $176 | $2,115 |
| Nationwide | 55 | $190 | $2,283 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Oakland Home Insurance Cost?
Home insurance costs in Oakland vary based on personal profile, coverage level and home details. Rates range from $44 to $581 per month. Below, you can compare personalized rates based on your home's age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $44 | $530 |
How to Get the Best Cheap Home Insurance in Oakland
Finding affordable home insurance in Oakland can be challenging. We've created a step-by-step guide to help you discover the best cheap homeowners insurance tailored to your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Researching average home insurance costs in California for your city and profile can help you gauge savings opportunities. To find top-rated statewide options, review the best homeowners insurance in California.
- 3Compare Company Offerings and Reputations
In addition to cost research, understand what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit, and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis helps you identify the best option for you. Pricing also varies depending on where you get your quote. We recommend getting quotes using online tools, independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in Oakland: Bottom Line
The top three best and cheapest home insurance providers in Oakland are State Farm, Travelers and Allstate. To explore more affordable options across the state, visit MoneyGeek's guide to cheap homeowners insurance in California. MoneyGeek also reviewed home insurance rates in San Francisco, San Jose and Sacramento, helping Bay Area homeowners find the best local options.
Oakland Home Insurance: FAQ
Below, we’ve answered some frequently asked questions about home insurance in Oakland.
Who offers the best home insurance in Oakland?
Our top pick for home insurance in Oakland is State Farm, offering low rates, excellent customer service and a wide range of optional coverages. Additionally, consider getting quotes from Travelers, Allstate, Chubb and Nationwide.
Who has the cheapest home insurance in Oakland?
State Farm has the cheapest home insurance in Oakland, costing about $81 per month or $976 annually. Rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Oakland?
Oakland home insurance costs range from $530 to $6,968 annually, depending on the coverage level and age of the home.
How We Decided the Best Cheap Home Insurance Companies in Oakland
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Oakland. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500-square-foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.