Oakland Car Insurance

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 $165.73 per month compared to the national average of $141.72 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.

Oakland, CA Best Car Insurance Companies

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 $97.00 per month. Other companies to consider if you live in Oakland is Kemper Auto Premier with an average cost of $131.80 per month and Esurance which typically runs around $149.79 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Oakland.

How Much is Car Insurance in Oakland, CA?

Rates can vary from city to city. The residents of Anaheim typically pay $151.96 per month while people who live in Bakersfield will pay $136.15 per month on average. See what people pay for car insurance in other cities in California.

Cheap Car Insurance in Oakland by Zip Codes

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.

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 $306.56 per month in Oakland. Compare that to drivers in their 30’s who typically pay around $156.04 per month drivers in their 40s at $144.53 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.

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 Auto Premier typically charges around $79.84 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.

Cheapest Insurance for 20 Year-olds in Oakland

20 year-olds in Oakland might want to consider Kemper Auto Premier who, on average, offers car insurance rates around $121.85 per month. SAFECO , Clearcover , Esurance and USAA are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Oakland

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 $113.48 per month, followed by SAFECO at $130.85 and Esurance at $140.26.

Cheapest Insurance for 40 Year-olds in Oakland

On average, Esurance offers car insurance for 40 year-olds in Oakland for around $133.49 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.

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 Kemper Auto Premier generally offers the most affordable coverage at $106.27 per month.

Cheapest Insurance for 60 Year-olds in Oakland

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.

Driver's Coverage Auto Insurance Rates in Oakland, CA

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 $157.47 while drivers who are not currently covered will pay around $174.19.

Compare Recent Car Insurance Quotes in Oakland

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 2020 Mercedes-Benz CLA can expect to pay around $175.40 per month while someone that owns a 2017 Toyota Rav4 may pay around $111.54 per month. Check out the list of recent quotes in Oakland below.

FAQ's for Drivers in Oakland, CA

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.

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