Who Has Affordable Auto Insurance Rates for High School Students in Oakland?

The words “low-priced” and “insurance” really shouldn’t be used together, specifically when comparison shopping for the cheapest coverage for high school students. Let’s lead off by showing you some of the factors that influence insurance premiums, and see how we can help you lower the cost of the next policy you buy.

The vehicle needing coverage is a significant factor when comparing quotes for economical coverage for high school students. Vehicles with more horsepower, a lack of advanced safety features, or an increased likelihood of liability claims will cost much more to insure than more economical and safe models. The information below shows auto insurance premiums for a selection of the cheaper automobiles to insure in California.

Cheapest Vehicles to Insure in Oakland, CA
Make and Model Estimated Cost for Full Coverage
Honda CR-V LX 4WD $5,129
Ford Escape Limited 2WD $5,187
Hyundai Elantra SE Touring Station Wagon $5,531
Toyota Prius $5,589
Ford Edge SE 2WD $5,684
Ford F-150 XL Super Cab 2WD $5,692
Toyota Tacoma 4WD $5,742
Ford Focus SE 4-Dr Sedan $6,028
Jeep Grand Cherokee Laredo 2WD $6,086
Volkswagen Jetta S 4-Dr Sedan $6,094
Chevrolet Equinox LT AWD $6,086
Toyota RAV4 4WD $6,092
Chevrolet Silverado LT Extended Cab 4WD $6,086
Chevrolet Malibu Hybrid $6,095
Ford Explorer Eddie Bauer 4WD $6,144
Dodge Grand Caravan SXT $6,151
Jeep Wrangler Unlimited Sport 2WD 4-Dr $6,271
Toyota Camry XLE $6,428
Chevrolet Impala LTZ $6,434
Honda Odyssey EX-L W/Rear Entertainment $6,428
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Price data assumes single male driver age 18, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in the specific area where the vehicle is garaged which can modify rates greatly.

By looking at the data, models like the Honda CR-V, Ford Escape, and Hyundai Elantra will be a few of the most budget-friendly vehicles to insure for teenagers. The price of auto insurance will trend higher because there is more inherent risk for high school students, but generally speaking those vehicles will most likely have the best rates possible.

Establishing which companies offer the lowest-priced car insurance rates for high school students involves a little more sweat in order to find the lowest price.

Every auto insurer used slightly different criteria to determine rates, so let’s examine the car insurance companies with the overall best prices in Oakland. It’s important to understand that Oakland car insurance rates are calculated based on many things which can substantially change the cost of having a policy. Simply improving your credit, having a teenage driver, or getting a driving violation can cause premium changes resulting in some companies being much cheaper than others.

Lowest Insurance Price Quotes for Students

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California auto insurance company rankings
Rank Company Cost Per Year
1 USAA $1,143
2 CSAA $1,186
3 Wawanesa $1,192
4 Nationwide $1,226
5 Century National $1,226
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,503
9 Allstate $1,513
10 Progressive $1,542
11 GEICO $1,575
12 Allied $1,603
13 The Hartford $1,639
14 MetLife $1,654
15 State Farm $1,699
16 Esurance $1,705
17 Unitrin $1,733
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $1,946
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USAA may offer some of the best car insurance rates in Oakland at around $1,143 a year. CSAA, Wawanesa, Nationwide, and Century National also rank well as some of the cheaper Oakland, CA car insurance companies.

As shown above, if you are a customer of Wawanesa and switched to USAA, you may realize savings of approximately $49. Policyholders with Nationwide might save as much as $83 a year, and Century National insureds might see rate reductions of $83 a year.

If you want to find out if you’re overpaying, click here to begin a quote or click through to the companies below.

It’s important to note that these premium estimates are averaged across all types of insureds and vehicles and and are not figured with a vehicle location for high school students. So the car insurance company that fits your age and vehicle best may not even be in the top 24 companies in the list above. That point stresses why you need to get auto insurance quotes using your own specific driver information and vehicle.

Drive safe and save

In a perfect world, the best way to earn cheap car insurance rates in Oakland for teenagers is to drive safely and not receive tickets or have accidents. The information below highlights how speeding tickets and at-fault accidents can influence insurance costs for each age group. The information is based on a single male driver, comp and collision included, $100 deductibles, and no other discounts are factored in.

In the previous example, the average cost of an auto insurance policy in California per year with no accidents or violations is $2,525. Get two speeding tickets and the average cost swells to $3,354, an increase of $829 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of car insurance for high school students increases to an average of $6,291. That’s an increase of $3,766, or $314 per month, just for being a less-than-perfect driver!

Selecting the highest-rated insurer can be difficult considering how many companies there are to choose from in Oakland. The rank data displayed below may help you choose which providers you want to consider when looking for cheaper rates. The rankings below are for companies with a national presence, so companies that have a smaller presence are not included in this list.

Top 10 Major Auto Insurance Providers Overall in Oakland

  1. USAA
  2. American Family
  3. AAA of Southern California
  4. State Farm
  5. The Hartford
  6. AAA Insurance
  7. GEICO
  8. The General
  9. Titan Insurance
  10. Progressive

The benefits of price comparisons

Oakland, CA car insurance rates are impacted by many things which can significantly increase or decrease the price you have to pay for coverage. Simply having another birthday, buying a new vehicle, or getting a DUI may cause policy rate changes resulting in some rates now being cheaper than others.

Additionally, insurers change their prices without warning in order to maintain liquidity for claims. Heavier than normal losses can cause high rates, while profitable underwriting may result in lower-priced Oakland car insurance rates.

As an example, the chart below compares the cheapest car insurance in Oakland, CA for a 35-year-old female driver with a good driving record, no prior claims, and solid credit. If we compare prices based on her current rating profile, USAA might quote the lowest car insurance rates in Oakland at $1,527 per year. This is $124 less than the average premium paid by California drivers of $1,651. Century National, Wawanesa, CSAA, and Nationwide are the remaining cheapest Oakland, CA auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example an accident surcharge, a lower credit rating, and a speeding ticket. Because each company uses their own formula for filing rates in each state, comparing insurance quotes could now result in a different set of the cheapest car insurance companies in Oakland as shown below.

Grange now has the cheapest car insurance in Oakland with Progressive, Mercury, Allied, and Allstate now rounding out the top five. This example proves why it is critical to perform an extensive rate comparison to get the lowest insurance rates for high school students.

Auto insurance prices are influenced by many things and change substantially, so the best price when you last compared rates may now cost much more than other companies.

The professional agents shown below can answer your questions and help you decide which insurance coverage will be best for you, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when shopping around for cheaper insurance for high school students. It can be challenging to find the best policy yourself, so insurance agents licensed in the state of California can give satisfaction knowing your coverage gives you enough coverage if you have a claim.

To find an agent by location nearest to you, click the button at the bottom.

Farmers Insurance – Pamela Spikes
3410 Lakeshore Ave #204Oakland, CA 94610(510) 832-1005

Farmers Insurance – Norman Garcia
8105 Edgewater Dr #118Oakland, CA 94621(510) 878-7555

Jessica Hebert – State Farm Insurance Agent
490 Grand Ave #210Oakland, CA 94610(510) 653-2900

Farmers Insurance: Howard Ruud
5956 MacArthur BlvdOakland, CA 94605(510) 635-0608

State Farm Insurance – Oakland – Mat Dahms Agency
4400 Keller Ave #260Oakland, CA 94605(510) 636-1440

View more Oakland, CA insurance agents