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.
|Rank||City||Average Per Year|
|Get a Custom Quote Go|
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.
|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|
|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|
|Get a Custom Quote Go|
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
|Rank||Company||Cost Per Year|
|View More Rates Go|
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
Auto 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.
- American Family offers premium reductions for mySafetyValet, early bird, air bags, accident-free, Steer into Savings, and multi-vehicle.
- Nationwide may offer discounts for business or organization, family plan, Farm Bureau membership, accident-free, and multi-policy.
- MetLife offers discounts including good student, defensive driver, claim-free, accident-free, good driver, multi-policy
- 21st Century policyholders can earn discounts including homeowners, student driver, theft prevention, driver training, and defensive driver.
- Farmers Insurance has discounts for alternative fuel, business and professional, pay in full, distant student, multi-car, electronic funds transfer, and youthful driver.
- Allstate may include discounts for economy car, farm vehicle, resident student, premier discount, and good payer.
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.
- Do not get tickets or violations
- Avoid preventable accidents
- Bundle home and auto and save
- If possible, pay for small claims out-of-pocket
- Improve your credit rating
- Raise comprehensive and collision coverage deductibles
- Shop around once a year for cheaper rates
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 #508 – Oakland, CA 94612 – (510) 452-3366
Fernando Valenzuela – State Farm Insurance
1236 30th Ave – Oakland, CA 94601 – (510) 533-9712
Greater Metrowest Insurance Agency
Oakland, CA 94612 – Oakland, CA 94612 – (510) 444-1404
Farmers Insurance: Patrick Siu
993 Jackson St – Oakland, CA 94607 – (510) 350-7829