How much does car insurance cost in Oakland, CA? Check out the average rates that drivers pay below.
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.
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 $164.35 per month compared to the national average of $144.94 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.
Area | Average Monthly Rate |
---|---|
National | $144.94 |
California | $148.93 |
Oakland, California | $164.35 |
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, Kemper Personal Insurance generally has the most affordable car insurance in Oakland coming in around $100.83 per month. Other companies to consider if you live in Oakland is Kemper Auto Premier with an average cost of $124.81 per month and Esurance which typically runs around $148.85 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Oakland.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Kemper Personal Insurance | $100.83 | -32.29% |
2 | Kemper Auto Premier | $124.81 | -16.20% |
3 | Esurance | $148.85 | -0.05% |
4 | SAFECO | $154.58 | 3.79% |
5 | USAA | $167.40 | 12.40% |
6 | Auto Club | $171.80 | 15.36% |
7 | Clearcover | $173.28 | 16.35% |
8 | California Capital | $173.78 | 16.69% |
9 | Grange | $182.61 | 22.62% |
10 | Mercury Insurance Company | $182.84 | 22.77% |
Rates can vary from city to city. The residents of Anaheim typically pay $150.38 per month while people who live in Bakersfield will pay $136.02 per month on average. See what people pay for car insurance in other cities in California.
California Cities | Monthly Average Rate |
---|---|
Anaheim | $150.38 |
Bakersfield | $136.02 |
Fresno | $134.22 |
Long Beach | $155.73 |
Los Angeles | $189.14 |
Oakland | $164.21 |
Pasadena | $164.75 |
Riverside | $146.78 |
Sacramento | $145.88 |
San Bernardino | $146.79 |
San Diego | $129.78 |
San Francisco | $164.98 |
San Jose | $139.91 |
Santa Barbara | $127.65 |
Stockton | $140.16 |
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 Code | Average Monthly Rate |
---|---|
92369 | $99.18 |
94501 | $204.00 |
94508 | $286.89 |
94569 | $138.31 |
94572 | $116.62 |
94601 | $189.72 |
94602 | $147.24 |
94603 | $174.26 |
94604 | $109.11 |
94605 | $150.56 |
94606 | $177.01 |
94607 | $154.76 |
94608 | $134.38 |
94609 | $142.71 |
94610 | $132.69 |
94611 | $130.23 |
94612 | $170.82 |
94615 | $156.38 |
94618 | $125.13 |
94619 | $157.68 |
94621 | $174.49 |
94705 | $215.23 |
94806 | $152.77 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $302.85 per month in Oakland. Compare that to drivers in their 30’s who typically pay around $154.85 per month drivers in their 40s at $143.32 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 Group | Average Monthly Rate |
---|---|
16-19 | $302.85 |
20s | $223.73 |
30s | $154.85 |
40s | $143.32 |
50s | $136.36 |
60s | $127.29 |
70+ | $138.70 |
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 Auto Premier typically charges around $97.96 per month. This is likely the most affordable option in Oakland. You might also want to consider Mercury Insurance Company and California Capital who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Kemper Auto Premier | $97.96 |
Mercury Insurance Company | $237.13 |
California Capital | $288.61 |
SAFECO | $299.83 |
USAA | $312.80 |
20 year-olds in Oakland might want to consider Kemper Auto Premier who, on average, offers car insurance rates around $111.47 per month. Kemper Personal Insurance , SAFECO , Esurance and Clearcover are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Kemper Auto Premier | $111.47 |
Kemper Personal Insurance | $124.00 |
SAFECO | $171.08 |
Esurance | $202.76 |
Clearcover | $203.83 |
If you are in your 30s in Oakland our research has found that Kemper Auto Premier typically has the most affordable coverage coming in around $107.77 per month, followed by SAFECO at $130.85 and Esurance at $138.77.
Company | Average Monthly Rate |
---|---|
Kemper Auto Premier | $107.77 |
SAFECO | $130.85 |
Esurance | $138.77 |
Mercury Insurance Company | $142.23 |
Direct Auto | $157.83 |
On average, Esurance offers car insurance for 40 year-olds in Oakland for around $133.02 per month. If you are looking for affordable coverage, you may also want to consider SAFECO or Auto Club. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Esurance | $133.02 |
SAFECO | $139.08 |
Auto Club | $151.93 |
Mercury Insurance Company | $153.13 |
USAA | $156.56 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Oakland we found that Kemper Personal Insurance generally offers the most affordable coverage at $93.00 per month.
Company | Average Monthly Rate |
---|---|
Kemper Personal Insurance | $93.00 |
Kemper Auto Premier | $104.81 |
Esurance | $122.23 |
Auto Club | $135.53 |
SAFECO | $136.80 |
If you live in Oakland and you’re in your 60s, our data indicates that Kemper Personal Insurance usually has the best rates at $97.00 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
Kemper Personal Insurance | $97.00 |
Esurance | $116.08 |
Auto Club | $122.51 |
USAA | $135.03 |
Allstate | $138.39 |
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 $157.33 while drivers who are not currently covered will pay around $171.12.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $171.12 |
Currently Insured | $157.33 |
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 2017 Hyundai Sonata can expect to pay around $57.36 per month while someone that owns a 2019 Mitsubishi Mirage may pay around $107.48 per month. Check out the list of recent quotes in Oakland below.
Vehicle | Average Monthly Rate |
---|---|
2017 Hyundai Sonata | $57.36 |
2019 Mitsubishi Mirage | $107.48 |
2018 Jeep Renegade | $109.70 |
2005 Honda Accord | $53.05 |
2018 Audi A4 | $147.02 |
2017 Ford Fusion | $239.87 |
2016 Chevrolet Malibu | $97.60 |
2003 Chevrolet Blazer | $96.29 |
2013 Kia Optima | $56.78 |
2014 Kia Forte | $69.76 |
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?
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:
Commute Time in Oakland, CA
31.9 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Oakland, CA
184 Methodology
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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