Oakland Car Insurance

How much does car insurance cost in Oakland, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Oakland?

Oakland is a city located on the east side of the San Francisco Bay in California. Both Victorian and Art Deco architecture abound here. The famous writer Jack London spent a lot of time in Oakland, and there is a square named after him, which features his statue. For those who love animals, there is the Oakland Zoo, home to more than 850 native and exotic animals. If you love the water, there is Lake Merritt, a large tidal lagoon just east of downtown Oakland, where sailboats, canoes and rowboats can be rented. For those interested in history, there is the Oakland Museum of California which showcases California history, art and nature. Love live music? You can catch a show at the historic Fox Theatre, which also houses an art school, bar and restaurant. And if you want to take the whole family away from the city, there is Reinhardt Redwood Regional Park with its trails and play areas for children.

With bus and train service, there are several ways to get around Oakland, but nothing beats driving your own car. Are you happy with your car insurance? Would you like a lower rate? Shopping around with. SmartFinancial is key. SmartFinancial has 200 partner insurance companies and all you need to do is fill out a short form to receive several insurance quotes from insurance providers in your area.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Oakland typically pay around $173.05 per month compared to the national average of $167.23 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $167.23
California $148.27
Oakland, California $173.05

Oakland, CA Best Car Insurance Companies

car insurance in Oakland

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in Oakland coming in around $73.28 per month. Other companies to consider if you live in Oakland is SAFECO with an average cost of $87.70 per month and Kemper Personal Insurance which typically runs around $90.83 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Oakland.

RankCompanyAverage Monthly RateComparison State Average
1 Direct Auto $73.28-50.58%
2 SAFECO $87.70-40.85%
3 Kemper Personal Insurance $90.83-38.74%
4 Kemper Auto Premier $99.80-32.69%
5 Esurance $146.04-1.50%
6 Mercury Insurance Company $151.262.02%
7 21st Century $157.196.02%
8 USAA $159.347.47%
9 California Capital $174.7417.85%
10 Auto Club $175.9418.66%

How Much is Car Insurance in Oakland, CA?

how much is auto insurance in Oakland

Rates can vary from city to city. The residents of Anaheim typically pay $142.42 per month while people who live in Bakersfield will pay $143.55 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Anaheim $142.42
Bakersfield $143.55
Fresno $139.61
Long Beach $154.92
Los Angeles $175.51
Oakland $173.05
Pasadena $147.08
Riverside $145.09
Sacramento $149.13
San Bernardino $146.55
San Diego $130.61
San Francisco $167.62
San Jose $148.07
Santa Barbara $136.03
Stockton $144.08

Cheap Car Insurance in Oakland by Zip Codes

find cheap auto insurance in Oakland

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Oakland, CA ZIP CodeAverage Monthly Rate

Car Insurance Rates by Driver's Age Group in Oakland

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $223.75 per month in Oakland. Compare that to drivers in their 30’s who typically pay around $156.31 per month drivers in their 40s at $146.92 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate

Cheapest Insurance for Teenage Drivers in Oakland

If you are teen in Oakland you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Kemper Personal Insurance typically charges around $71.00 per month. This is likely the most affordable option in Oakland. You might also want to consider SAFECO and Kemper Auto Premier who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Kemper Personal Insurance$71.00
Kemper Auto Premier$96.63
Mercury Insurance Company$212.90

Cheapest Insurance for 20 Year-olds in Oakland

20 year-olds in Oakland might want to consider Direct Auto who, on average, offers car insurance rates around $70.30 per month. Kemper Personal Insurance , SAFECO , Kemper Auto Premier and Mercury Insurance Company are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Direct Auto$70.30
Kemper Personal Insurance$97.50
Kemper Auto Premier$106.82
Mercury Insurance Company$169.67

Cheapest Insurance for 30 Year-olds in Oakland

If you are in your 30s in Oakland our research has found that Direct Auto typically has the most affordable coverage coming in around $74.49 per month, followed by Kemper Personal Insurance at $93.00 and Kemper Auto Premier at $94.72.

CompanyAverage Monthly Rate
Direct Auto$74.49
Kemper Personal Insurance$93.00
Kemper Auto Premier$94.72
Mercury Insurance Company$130.14

Cheapest Insurance for 40 Year-olds in Oakland

On average, Direct Auto offers car insurance for 40 year-olds in Oakland for around $75.56 per month. If you are looking for affordable coverage, you may also want to consider Kemper Auto Premier or Mercury Insurance Company. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$75.56
Kemper Auto Premier$84.48
Mercury Insurance Company$116.27
21st Century$136.67

Cheapest Insurance for 50 Year-olds in Oakland

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Oakland we found that SAFECO generally offers the most affordable coverage at $77.96 per month.

CompanyAverage Monthly Rate
Direct Auto$87.46
Kemper Personal Insurance$93.00
Kemper Auto Premier$101.51
21st Century$113.56

Cheapest Insurance for 60 Year-olds in Oakland

If you live in Oakland and you’re in your 60s, our data indicates that Direct Auto usually has the best rates at $73.76 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Direct Auto$73.76
21st Century$112.99
Auto Club$122.88

Driver's Coverage Auto Insurance Rates in Oakland, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Oakland, the average monthly rate for a driver who is currently insured is $166.16 while drivers who are not currently covered will pay around $177.45.

CoverageAverage Monthly Rate
Not Currently Insured $177.45
Currently Insured $166.16

Compare Recent Car Insurance Quotes in Oakland

auto insurance quotes in Oakland city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Oakland a driver of a 2024 Kia K5 can expect to pay around $179.40 per month while someone that owns a 2021 GMC Sierra may pay around $120.77 per month. Check out the list of recent quotes in Oakland below.

VehicleAverage Monthly Rate
2024 Kia K5$179.40
2021 GMC Sierra$120.77
2024 Toyota Camry$79.76
2012 Bmw 650$258.19
2020 Volkswagen Tiguan$86.77
2012 Toyota Prius Plug-In$170.14
2018 Dodge Charger$111.82
2020 Nissan Versa$104.12
2018 Hyundai Accent$98.67
2022 Hyundai Sonata$109.34

FAQ's for Drivers in Oakland, CA

driver’s frequently asked question in Oakland

Oakland Auto Insurance Requirements

In Oakland, you are required to have auto liability insurance coverage.

What is the Minimum Amount of Liability Coverage Requirement in Oakland?

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

What Is the Blood Alcohol Concentration (BAC) limit in Oakland?

The legal blood alcohol content (BAC) level limit is .08% in California. If you have a BAC limit of .08% and you are driving a motor vehicle, you could be convicted of a DUI. In California, a DUI conviction would mean three years of probation, fines of $300 to $2,000, attending a 30-hour DUI school and a six-month driver's license suspension.

With a DUI conviction on your driving record, you will see your auto insurance rates increase. Just how high your insurance rates will climb depends on your insurer. Some companies charge more than others for DUIs. SmartFinancial can help you find insurance companies that charge lower rates for DUI convictions.

Can I Register My Car Without Insurance in Oakland?

You need to have liability insurance for your car before you can register your car in Oakland. Both items must be current and up-to-date. This is true even if you do not use the car. The car insurance must be issued by an insurance company authorized by the California Department of Insurance and certified by the California State DMV. And the insurance for your car must be issued in the name of the vehicle registrant.

Check Out Other Rates in Oakland, CA Nearby Cities:

Alameda, CA

Berkeley, CA

Richmond, CA

San Francisco, CA

San Leandro, CA


Commute Time in Oakland, CA

31.9 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Oakland, CA


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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