Who Has Affordable Auto Insurance for Felons in Oakland?

One of the more important criteria that are looked at to determine auto insurance rates is where you live. More populated areas tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims receive better rates.

The following table sorts the most expensive cities in California for felons to buy an auto insurance policy in. Oakland comes in at #4 with a yearly premium of $1,687 for the average policy, which is approximately $141 monthly.

How much is car insurance in Oakland?
Rank City Average Per Year
1 Los Angeles $2,083
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,687
5 Sacramento $1,669
6 Stockton $1,603
7 Santa Clarita $1,580
8 San Bernardino $1,580
9 Long Beach $1,562
10 Garden Grove $1,524
11 Fontana $1,519
12 Fresno $1,502
13 Riverside $1,497
14 Moreno Valley $1,491
15 Anaheim $1,488
16 Modesto $1,487
17 Santa Ana $1,439
18 Fremont $1,403
19 San Jose $1,395
20 Irvine $1,384
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Table data uses approximated as specific location information can revise insurance rates substantially.

The car, truck, or SUV that needs insurance is probably the largest consideration when shopping for the best insurance for felons. Vehicles with average performance, an excellent safety record, or a low likelihood of liability claims will cost less to insure than high performance models.

The next table shows insurance premiums for some of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Oakland, CA
Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $1,310
Volkswagen Jetta S 2.5 Station Wagon $1,419
Ford Explorer Limited AWD $1,580
Hyundai Elantra Blue 4-Dr Sedan $1,601
Honda CR-V LX 4WD $1,609
Ford Escape Limited 4WD $1,630
Chevrolet Equinox LTZ 2WD $1,661
Toyota Corolla XRS $1,666
Jeep Grand Cherokee Limited 4WD $1,661
Nissan Rogue SL 2WD $1,668
Hyundai Sonata SE 4-Dr Sedan $1,742
Chevrolet Silverado LS Extended Cab 4WD $1,781
Toyota Prius $1,788
Ford F-350 XLT Crew Cab King Ranch Turbo Diesel 2WD $1,801
Ford F-150 Lariat Crew Cab 2WD $1,812
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,822
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,843
Chevrolet Impala LS $1,864
Honda Odyssey EX-L W/Rear Entertainment $1,874
Ford Edge Sport 2WD $1,884
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Table data represents single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Estimates do not factor in specific location information which can affect prices significantly.

Based upon the table data, you can conclude that vehicles like the Honda Accord, Volkswagen Jetta, Ford Explorer, and Hyundai Elantra are going to be a few of the most affordable vehicles to insure for felons.

Locating affordable auto insurance is not the easiest thing to do, and determining which company quotes the cheapest auto insurance rates for felons may require more quotes for comparison. Each auto insurance company uses a slightly different approach to determine rates, so we need to take a look at the most affordable auto insurance companies in Oakland, CA.

It’s important to know that California auto insurance rates are influenced by many factors which can substantially decrease or increase the cost of your policy. This price variation is why California drivers need to compare lots of rates to find the most budget-friendly car insurance rates for felons. Prices are influenced by many factors and can decrease or increase without notice, so the cheapest option six months ago may now be priced much higher than other options.

Best Insurance Companies for Felons

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,157
3 CSAA $1,198
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,379
7 Grange $1,433
8 Allstate $1,497
9 Mercury $1,503
10 Allied $1,541
11 Progressive $1,542
12 GEICO $1,559
13 The Hartford $1,575
14 MetLife $1,638
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,733
18 Travelers $1,806
19 Bristol West $1,849
20 Farmers $2,006
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USAA may have some of the most affordable car insurance rates in Oakland at around $1,109 annually. This is $542 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also rank well as some of the most economical Oakland, CA car insurance companies.

As the example above demonstrates, if you are currently insured with Nationwide and switched to Wawanesa, you may see an annual savings of in the vicinity of $106. Drivers with 21st Century might save as much as $222 a year, and Grange policyholders might see rate reductions of $276 a year.

Bear in mind that those prices are averages across all drivers and vehicles and do not factor in a specific location for felons. So the company that fits your situation best may not even be in the top 24 companies in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.

Discount Oakland insurance

Save on auto insurance for felons in OaklandAuto insurance companies that provide coverage for felons may also offer policy discounts that could reduce prices by 40% or more if you meet the requirements. A list of auto insurance companies and some of the discounts are shown below.

The chart below illustrates the comparison of yearly insurance costs with and without discounts applied to the rates. The rate quotes are based on a male driver, no claims or violations, California state minimum liability limits, full coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second bar shows the rates with passive restraint, defensive driving course, anti-theft, homeowner, claim-free, and safe-driver discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for felons is 28% or $630.

Impact of violations and accidents on rates in Oakland

The recommended way to obtain low auto insurance premiums in California for felons is to drive cautiously and avoid accidents and violations. The diagram below demonstrates how citations and at-fault collisions increase annual premium costs for different ages of insureds. The premium estimates are based on a married male driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of auto insurance in Oakland per year with no accidents and a clean driving record is $1,975. Add in one speeding ticket and the average cost hikes up to $2,269, an increase of $294 each year. Now get two accidents along with the one speeding ticket and the 12-month cost of auto insurance for felons increases to an average of $4,804. That’s an increase of $2,829, or $236 per month, just for a couple of infractions!

How to find low-cost car insurance for felons

The list below details some of the better penny-pinching ideas that can help you locate lower-cost coverage.

The final tip is very significant, as we pointed out in the article above. Auto insurance prices vary greatly, so you should be ready to switch companies if a better deal can be had.

Staying with the same car insurance company is fine, but it’s not a good idea if that devotion results in you overpaying thousands of dollars over several years. In just a couple of minutes you could compare prices and find cheaper auto insurance for felons in Oakland.

If you like to have a little guidance when trying to find lower insurance rates for felons, the agents below can aid you in deciding which coverages and limits you need. To locate an agency closest to you, click the button after the list or click here to compare price quotes.

Travel Insurance Agency
610 16th St #508Oakland, CA 94612(510) 452-3366

Fernando Valenzuela – State Farm Insurance
1236 30th AveOakland, CA 94601(510) 533-9712

Greater Metrowest Insurance Agency
Oakland, CA 94612Oakland, CA 94612(510) 444-1404

Farmers Insurance: Patrick Siu
993 Jackson StOakland, CA 94607(510) 350-7829

Find an Oakland, CA insurance agent near you