Cheap Car Insurance in Oakland, CA

How to find cheaper Oakland car insurance rates

The best way to save money on auto insurance in Oakland, California is to spend a few minutes once a year comparing rates from top companies.

  1. The first step is to gain an understanding of car insurance and the things you can change to lower rates. Making small changes in your driving habits can have a huge impact on your car insurance price.
  2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. This step ensures you have a wide selection of rates from which to compare.
  3. Compare the price quotes to the price on your current policy to see if switching to a new carrier will save money.
  4. If you can save some money and decide to switch, ensure there is no coverage lapse between policies. Submit a down payment along with a completed application to your new company or agent. Immediately store the certificate verifying proof of insurance with your auto registration paperwork.

A crucial key to this process is that you use similar deductibles and liability limits on each price quote and and to get price estimates from many insurance companies. Doing this guarantees an accurate price comparison and a more complete rate analysis.

The cost of auto insurance depends on a lot of factors, but the average car insurance price in Oakland is right around $1,400 each year. On average, the rest of the U.S. pays approximately $1,220, so Oakland drivers pay around $220 more each year than drivers who live in other states.

One of the largest factors impacting price is the type of car, SUV, or truck you drive. The rate tables below shows insurance cost for many of the more popular vehicles sold in Oakland.

Insurance Rates for Popular Cars in Oakland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Fusion SE 4-Dr Sedan $1,690 $845 $141
Honda Civic SI 2-Dr Coupe $2,052 $1,026 $171
Hyundai Elantra Blue 4-Dr Sedan $1,608 $804 $134
Hyundai Sonata Limited 4-Dr Sedan $1,792 $896 $149
Kia Optima EX $1,792 $896 $149
Toyota Camry XLE $1,648 $824 $137
Toyota Corolla XRS $1,690 $845 $141
Volkswagen Jetta S 2.5 Station Wagon $1,450 $725 $121
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Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in zip code location which can increase or decrease coverage rates significantly.

Auto Insurance Rates for Popular Pickup Trucks in Oakland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD $1,998 $999 $167
Chevrolet Silverado 3500HD LT Crew Cab 4WD $2,010 $1,005 $168
Chevrolet Silverado LS Extended Cab 2WD $1,668 $834 $139
Dodge Ram 2500 Crew Cab Laramie 2WD $1,876 $938 $156
Dodge Ram Quad Cab TRX4 Off Road 4WD $1,832 $916 $153
Ford F-150 Lariat Crew Cab 4WD $1,608 $804 $134
Ford F-250 Lariat Crew Cab Turbo Diesel 4WD $2,050 $1,025 $171
GMC Sierra SLE Regular Cab 4WD $1,690 $845 $141
Toyota Tacoma 2WD $1,526 $763 $127
Toyota Tundra SR/5 Double Cab 4WD $1,710 $855 $143
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Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can modify coverage rates significantly.

Car Insurance Rates for Popular SUVs and Crossovers in Oakland
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $1,450 $725 $121
Chevrolet Traverse LS 2WD $1,368 $684 $114
Ford Escape XLS 2WD $1,328 $664 $111
Ford Explorer XLT 2WD $1,484 $742 $124
GMC Acadia SLT 2WD $1,566 $783 $131
Honda CR-V EX 4WD $1,368 $684 $114
Honda Fit Sport $1,298 $649 $108
Honda Pilot EX 2WD $1,526 $763 $127
Jeep Grand Cherokee Laredo 4WD $1,566 $783 $131
Jeep Wrangler Unlimited Sport 4WD 4-Dr $1,596 $798 $133
Nissan Pathfinder LE 4WD $1,608 $804 $134
Toyota 4Runner Limited 4WD $1,614 $807 $135
Toyota Highlander Limited 2WD $1,730 $865 $144
Toyota RAV4 Sport 2WD $1,566 $783 $131
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in zip code location which can modify coverage prices noticeably.

Verify you're getting every discount

The chart below visualizes the comparison of insurance premiums with and without some available policy discounts. The rates are based on a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

AUTO INSURANCE FACT
The average driver is overpaying for car insurance by almost $900 a year. Compare rates now and save.

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Oakland, California Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
AAA of Southern California 91 94 97 92% A+ 94.1
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Mercury Insurance 88 91 90 85% A+ 89.4
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Top 10 cheapest vehicles to insure in Oakland, CA
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Top 10 most expensive vehicles to insure in Oakland, CA
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Mercedes-Benz CL600
Audi R8
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Porsche 911
Top 10 safest vehicles to insure in Oakland, CA
Chevrolet Silverado
Chevrolet Colorado
GMC Sierra
Nissan Titan
Audi Q7
Chevrolet Tahoe
Toyota FJ Cruiser
Jeep Wrangler
GMC Acadia
Ford F-150