Cheap Car Insurance in Oakland, CA

Looking for cheap auto insurance in Oakland, CA? With, it’s only a click away. All you need to do is enter your local zip code in the quote widget down below – it’s so simple!

Oakland makes up the eastern part of the San Francisco Bay and has been a major distribution and trade hub for many years. There are also many business and manufacturing industries which operate within Oakland. This city was one of the first to optimize international trade, and because of its strategic location on the Pacific Ocean, performs a lot of trade with many Asian countries.

  • Fun fact: Oreo won’t have any trouble selling cookies in Oakland, because this city is #4 on the list of “Top 101 cities with the largest percentage of likely homosexual households (counted as self-reported same-sex unmarried-partner households) (population 50,000+)”. Interested in learning more about Oakland? Click here!

Auto Insurance Coverage Requirements in California

Driving legally in Oakland requires:

CoverageRequirementsMost Common
Bodily Injury Liability15,000/30,000100,000/300,000
Property Damage Liability5,000100,000
Uninsured Motorist Bodily InjuryNot required20,000/40,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required250 deductible

California car insurance is handled in a slightly different way in California. They don’t force drivers to purchase very high amounts of coverage, and they only legally require Liability coverage as a minimum. But something closer to the coverages and amounts on the far right of the chart are highly recommended if you can afford them.

Are you aware that most California motorists are having to pay around $164 every month to keep their policy? As little as this rate may seem, that you can do better still if you reside in Oakland. Some providers in your town are providing deals as little as $61/mo*!

Average Monthly Auto Insurance Premiums Legend: Oakland Farmers State Farm Liberty Mutual Nationwide Allstate 10 20 30 40 50 60 $63 $57 $68 $59 $58


State Farm and Allstate all want to provide you with the cheapest rates in Oakland. Try not to hurry to the organization providing the cheapest monthly premium without searching into them first. You need to make certain you are receiving targeted customer support additionally to some low payment.

Those who provide you with insurance coverage consider different factors when figuring out insurance prices, such as marital status, driving violations, occupation, miles driven each year, and theft protection devices. Also, premiums could alter from amongst providers. To find out if you are still receiving the cheapest price, look at cheap Oakland vehicle insurance quotes via the internet.

Major Car Insurance Factors in Oakland

You might feel a little hopeless once your vehicle insurance agency is calculating your insurance quote; after all, most of the factors that they evaluate aren’t items you can easily change or control. Thankfully, however, there are still things which you might be in a position to alter for higher discounts, for example:

Your Zip Code

Insurance agencies must know your home (or the spot where you are going to be driving a motor vehicle frequently) as a way to estimate the probability of a vehicle accident. Everything boils down to a very simple concept: the greater the population, the greater number of automobiles you will encounter on the road, and also the more opportunities you might have to hit or perhaps be get collided into by a different motor vehicle. The populace of Oakland is in fact 406,253 plus the general family income is $54,394.

Auto Insurance by Zip Code Legend: Los Angeles Fresno San Diego San Francisco Oakland Farmers State Farm Liberty Mutual Nationwide Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 $102 $70 $54 $60 $63 $91 $60 $55 $57 $57 $135 $72 $60 $68 $68 $108 $55 $49 $62 $59 $80 $46 $47 $58 $58


Automotive Accidents

There are lots of people living in California, and a higher than average number of residents own a motor vehicle. This means that there are more drivers on the road – and that leads to more serious accidents happening more frequently. This, in turn, leads to higher premiums for drivers who can’t qualify for safe driving discounts.

Fatal Accidents in Oakland, CA Legend: Oakland Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 10 20 30 40 50 60 27 47 9 28 62 12


Auto Thefts in Oakland

Just about all insurance providers are worried regarding auto theft; this runs specifically true for individuals who reside in large areas. The greater the populace, the greater the probability that you will have to submit an automobile robbery claim. In recent years, there were 6,833 stolen cars in Oakland. The per capita rate of theft is so high that you are taking a major risk by not protecting yourself with Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers State Farm Liberty Mutual Nationwide Allstate 20 40 60 80 100 120 140 160 180 200 $63 $187 $57 $113 $68 $215 $59 $71 $58 $131


Your Credit Score

In Oakland, there are several automotive insurance firms who will not ask you for an excessive amount of a greater premium for getting a bad credit score. However the more you track your spending habits, settle payments promptly, and lower your outstanding credit balances, the greater it can save you by raising your score.


Your Age

Regrettably, a youthful driver’s insufficient driving experience can make it a lot more nearly impossible to find an inexpensive insurance plan. You can test to relieve the burden by using for special discount rates, like Good Student discount rates or Driver’s Ed discount rates.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers State Farm Liberty Mutual Nationwide Allstate 30 60 90 120 150 180 210 240 270 300 330 $63 $333 $57 $162 $68 $184 $59 $298 $58 $264


Your Driving Record

Most motorists aren’t perfect. But minor citations, like low-level speeding tickets or minor accidents, can send your insurance costs over the top. Some providers however they are offering motorists a rest by means of an “Accident Forgiveness” discount. Speak to your local agent to find out if your qualify.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers State Farm Liberty Mutual Nationwide Allstate 15 30 45 60 75 90 105 120 135 150 165 180 195 $63 $94 $131 $108 $57 $70 $187 $74 $68 $105 $89 $87 $59 $86 $122 $86 $58 $81 $202 $112


Your Vehicle

The greater costly it will get to correct or replace your automobile, the greater costly your insurance is going to be every month. It’s either that, or else you undertake 100% from the financial burden on your own to exchange or repair your automobile whether it will get stolen or broken.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers State Farm Liberty Mutual Nationwide Allstate 50 100 150 200 250 300 350 400 450 $63 $212 $57 $183 $68 $489 $59 $65 $58 $131


Minor Car Insurance Factors in Oakland

These 5 elements also may help you modify that which you invest in your monthly premium:

Your Marital Status

Married people possess a great chance to reduce multiple insurance plans. It is because, additionally to bundling your automobile insurance plans into one, you can include other guidelines for greater discount rates – as lengthy as the provider offers multiple guidelines, that’s.

Your Gender

You will find very couple of firms that still charge different rates for women and men, other conditions being equal. Individuals that do hardly ever charge greater than a 2-4% difference. Also, whether that greater rates are put on males or women can change in one company to a different.

Your Driving Distance to Work

For such a large California city, Oakland breaks the norm by relying heavily upon mass transit. Only 52% of residents depend upon their own truck or car in order to get around, but they still face massive traffic and an average commute of 30-35 minutes. Around 14% carpool, 5% use the local subway system, and 4% take the bus.

Your insurance professional will probably inquire about the number of miles you drive yearly, and the reason why you drive (be it for college, work, or leisure). Many people think that modifying these 4 elements by driving less might earn them lower premiums. However, a drastic cut of 5,000 miles every year will not help you save greater than 4-5%.

Your Coverage and Deductibles

Raising your deductible is a fast and simple way to reduce your monthly premium. But when you are going to benefit from this method, make certain in order to save up just a little money to pay for that deductible on the wet day. Should you raise it excessive and also you can not afford to pay for it in case your vehicle is broken or stolen, then it may be some time an email psychic reading your automobile fixed or changed.

Education in Oakland, CA

More than a quarter of the population (26%) in Oakland has yet to finish their high school education. Conversely, the next most popular form of education is a bachelor’s degree (18% of the population). For those drivers within this highly educated minority, insurance providers often give out lower rates. Contact your insurance agent for details in order to see what discounts your education has entitled you to receive.

Mills College is an interesting university; their undergraduate student body is exclusively female, yet the institution does admit men to its graduate programs. Additionally, half of the satellite campuses of Peralta Community College are within Oakland city limits. And if you want a religious aspect to your education, you can look into Holy Names College.

You shouldn’t let an unsatisfactory insurance agency persuade you into buying an insurance policy that’s not best for you. Sure, the total amount of related information required in order to determine your own personal risk profile will be overpowering, but comparison web pages such as this might help make your search a lot easier. Just key in just a few specifics below, and then we’ll take over from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


California Department of Insurance

California Division of Financial Institutions

Department of Highway Safety and Motor Vehicles

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