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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 $141.93 per month compared to the national average of $134.00 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 $134.00
California $131.51
Oakland, California $141.93

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, Esurance generally has the most affordable car insurance in Oakland coming in around $133.80 per month. Other companies to consider if you live in Oakland is Unitrin with an average cost of $147.00 per month and Auto Club which typically runs around $152.46 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 Esurance $133.801.74%
2 Unitrin $147.0011.78%
3 Auto Club $152.4615.93%
4 USAA $153.6916.87%
5 California Capital $154.8117.71%
6 Allstate $155.7118.40%
7 SAFECO $158.3720.42%
8 Mercury $174.9133.00%
9 21st Century $187.4742.55%
10 Grange $189.2343.89%

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 Fresno typically pay $114.81 per month while people who live in Los Angeles will pay $174.06 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $114.81
Los Angeles $174.06
Oakland $141.98
Sacramento $129.50
San Diego $110.04
San Francisco $155.58

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
94601$140.24
94602$144.79
94603$169.52
94605$129.06
94606$139.90
94607$134.46
94609$143.12
94610$106.78
94611$125.09
94612$153.53
94618$134.42
94619$176.57
94621$146.36

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 $305.39 per month in Oakland. Compare that to drivers in their 30’s who typically pay around $134.64 per month drivers in their 40s at $119.81 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
16-19$305.39
20s$173.90
30s$134.64
40s$119.81
50s$110.83
60s$107.81
70+$113.87

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, California Capital typically charges around $259.47 per month. This is likely the most affordable option in Oakland. You might also want to consider Unitrin and SAFECO who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
California Capital$259.47
Unitrin$275.33
SAFECO$299.83
USAA$330.93
Mercury$407.34

Cheapest Insurance for 20 Year-olds in Oakland

20 year-olds in Oakland might want to consider Unitrin who, on average, offers car insurance rates around $140.69 per month. Esurance , USAA , California Capital and SAFECO are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Unitrin$140.69
Esurance$159.93
USAA$171.95
California Capital$177.08
SAFECO$179.45

Cheapest Insurance for 30 Year-olds in Oakland

If you are in your 30s in Oakland our research has found that Esurance typically has the most affordable coverage coming in around $111.70 per month, followed by Auto Club at $130.44 and SAFECO at $130.85.

CompanyAverage Monthly Rate
Esurance$111.70
Auto Club$130.44
SAFECO$130.85
USAA$138.92
Unitrin$141.38

Cheapest Insurance for 40 Year-olds in Oakland

On average, Esurance offers car insurance for 40 year-olds in Oakland for around $115.41 per month. If you are looking for affordable coverage, you may also want to consider Auto Club or Allstate. The full list of top companies is below.

CompanyAverage Monthly Rate
Esurance$115.41
Auto Club$121.18
Allstate$129.83
USAA$133.61
SAFECO$139.08

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 Infinity Special generally offers the most affordable coverage at $93.65 per month.

CompanyAverage Monthly Rate
Infinity Special$93.65
Esurance$104.44
Kemper Auto Premier$115.59
Auto Club$122.14
USAA$131.69

Cheapest Insurance for 60 Year-olds in Oakland

If you live in Oakland and you’re in your 60s, our data indicates that Esurance usually has the best rates at $111.27 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Esurance$111.27
Allstate$119.55
Auto Club$119.63
USAA$128.85
California Capital$131.15

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 $142.08 while drivers who are not currently covered will pay around $141.87.

CoverageAverage Monthly Rate
Not Currently Insured $141.87
Currently Insured $142.08

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 2017 Hyundai Sonata can expect to pay around $180.74 per month while someone that owns a 2006 Nissan Sentra may pay around $157.22 per month. Check out the list of recent quotes in Oakland below.

VehicleAverage Monthly Rate
2017 Hyundai Sonata$180.74
2006 Nissan Sentra$157.22
2005 Toyota Tacoma$27.96
1999 Toyota Camry$111.58
2003 Lexus Rx$55.04
2001 Honda Accord$67.43
2019 Mercedes-Benz E$407.69
2017 Jeep Compass$120.70
2021 Nissan Gt-R$634.43
2001 Honda Accord$209.15

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.

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Commute Time in Oakland, CA

31.9 Miles
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Commute Time in United States

26.4 Miles
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Number 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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