How Much is Car Insurance for a Learners Permit in Oakland?

The words “low-cost” and “auto insurance” really don’t belong together, in particular when shopping around for the best coverage prices for a learners permit. Because it’s so expensive, let’s go over a few of the things that have an impact on auto insurance rates, and find out if we can help you reduce the cost of the next policy you buy.

One of the more important criteria that are used to help calculate auto insurance rates is where your residence is. More populated areas likely pay more, whereas areas with fewer weather claims and lower vehicle theft rates have the luxury of lower rates.

The next table lists the highest-priced places in California for a learners permit in which to purchase auto insurance. Oakland shows up at #5 costing $1,687 for car insurance, which is around $141 per month.

Car insurance prices in Oakland
Rank City Average Per Year
1 Los Angeles $2,104
2 Glendale $2,079
3 San Francisco $1,763
4 Sacramento $1,720
5 Oakland $1,687
6 San Bernardino $1,628
7 Long Beach $1,610
8 Stockton $1,603
9 Garden Grove $1,570
10 Santa Clarita $1,548
11 Fontana $1,535
12 Riverside $1,527
13 Modesto $1,502
14 Santa Ana $1,497
15 Moreno Valley $1,491
16 Anaheim $1,474
17 Fresno $1,457
18 San Jose $1,395
19 San Diego $1,381
20 Huntington Beach $1,374
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Information shown are comparative as the specific zip code location can decrease or increase auto insurance rates noticeably.

Deciding which insurers offer the lowest-priced auto insurance rates for a learners permit calls for a tad more effort than just getting one or two price quotes. Each insurance company uses their own method for determining rates, so to begin we’ll rank the most affordable auto insurance companies in Oakland.

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California car insurance ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 Century National $1,214
4 CSAA $1,234
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,447
8 Progressive $1,512
9 GEICO $1,529
10 Mercury $1,533
11 Allied $1,541
12 Allstate $1,559
13 The Hartford $1,639
14 MetLife $1,654
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,739
18 Bristol West $1,831
19 Travelers $1,860
20 Farmers $1,966
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USAA generally has some of the cheapest car insurance rates in Oakland at around $1,121 each year. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the more affordable Oakland, CA car insurance companies.

As the rates illustrate above, if you currently have coverage with Century National and switched to USAA, you could realize an annual savings of approximately $93. California drivers with CSAA could save as much as $113 a year, and Nationwide insureds might realize rate reductions of up to $142 a year.

These estimates are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific zip code for a learners permit. So the insurer that can offer you the lowest price may not even be in the list above. That illustrates why you need to get rate quotes using your own driver information and specific vehicle type.

Types of discounts on Oakland car insurance

Cheaper Oakland, CA auto insurance for new driversInsurers that provide coverage for a learners permit may have price discounts that can reduce rates by as much as 25% or more if you meet eligibility requirements. A few popular companies and a partial list of their discounts are:

The example below shows the comparison of car insurance costs with and without discounts applied to the policy premium. Data assumes a male driver, no violations or accidents, 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 shows the rates with passive restraint, vehicle safety, anti-theft, good student, paid-in-full, and continuous coverage discounts applied. When taking advantage of discounts, theamount saved on auto insurance for a learners permit is 28% or $741.

Irresponsible driving raises your rates

The easiest method to enjoy good auto insurance rates in California for new drivers is to be a cautious driver and avoid getting tickets or having accidents. The chart below illustrates how violations and at-fault fender-benders raise car insurance costs for different categories of driver ages. The costs are based on a married female driver, full coverage, $250 deductibles, and no discounts are taken into consideration.

In the chart above, the average cost of car insurance in California per year with a clean driving record and no accidents is $1,785. Receive two speeding tickets and the average cost jumps to $2,536, an increase of $752 each year. Now add in one accident along with the two speeding tickets and the 12-month cost of auto insurance for a learners permit goes up to an average of $3,288. That’s an increase of $1,503, or $125 per month, just for not being more responsible behind the wheel!

Which auto insurance company is best in California?

Choosing a high-quality auto insurance provider can be challenging considering how many companies there are in Oakland. The company information displayed below can help you analyze which companies you want to consider buying from.

These ratings include large insurance companies, so smaller companies are not included in this list. To get price quotes and find cheaper insurance for a learners permit, just click here.

Top 10 Large Auto Insurers in Oakland Ranked by A.M. Best Rating

  1. USAA – A++
  2. Travelers – A++
  3. State Farm – A++
  4. GEICO – A++
  5. Esurance – A+
  6. Nationwide – A+
  7. Allstate – A+
  8. Mercury Insurance – A+
  9. Progressive – A+
  10. Titan Insurance – A+

How to find cheaper insurance for a learners permit

It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help California drivers find cheaper car insurance.

The last item on the list is highly necessary, as we emphasized in this piece. Insurance rates adjust frequently, so drivers shouldn’t be resistant to switch to a new company if a cheaper rate is available. Having brand loyalty is commendable, but is isn’t recommended if that loyalty ends up costing big bucks every year. Now is a great time to compare rates and find cheaper car insurance for a learners permit in Oakland.

If you aren’t clear which coverage you need and would like to get help from a professional when trying to find lower insurance rates for a learners permit, the insurance agencies below are a good start to provide answers to your questions and help you determine which car insurance company is the best fit. To find an Oakland insurance agent in your neighborhood, click the button at the bottom of the list.

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