Who Has Cheap Car Insurance Quotes for College Graduates in Oakland?

For college grads, one of the more important things that are used to help calculate the amount you pay for auto insurance is where you live in Oakland. More populated areas tend to have more expensive car insurance rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.

The table below shows the most expensive cities in California for college graduates in which to buy car insurance. Oakland makes the list at #3 costing $1,738 for car insurance, which is about $145 per month.

How much does car insurance cost in Oakland, CA?
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,121
3 Oakland $1,738
4 San Francisco $1,711
5 Sacramento $1,652
6 Stockton $1,603
7 San Bernardino $1,596
8 Long Beach $1,562
9 Riverside $1,542
10 Santa Clarita $1,533
11 Garden Grove $1,524
12 Fontana $1,519
13 Moreno Valley $1,491
14 Anaheim $1,488
15 Modesto $1,487
16 Fresno $1,472
17 Santa Ana $1,453
18 San Jose $1,423
19 Irvine $1,384
20 Bakersfield $1,381
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Prices are estimated as zip code location can influence premiums significantly.

Determining which company quotes the best auto insurance rates for college graduates involves more time than just comparing rates from one or two companies. Every auto insurer has a unique formula for determining prices, so let’s look at the rankings for the auto insurance companies that tend to have lower prices in California.

It’s a good idea to know that Oakland, CA auto insurance rates are impacted by many factors that may substantially change the cost of having a policy. Simply having another birthday, buying higher coverage limits, or having an accident can trigger price changes that can now make some companies more affordable than others.

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USAA may offer some of the best car insurance rates in Oakland at around $1,109 a year. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the lowest-priced Oakland, CA car insurance companies.

In the rate table above, if you currently buy coverage from Century National and switched to Wawanesa, you might realize yearly savings of around $45. Drivers with Nationwide could save as much as $69 a year, and 21st Century insureds might see rate reductions of $157 a year.

To find the cheapest coverage for you, click here to get quotes or quote rates from the companies below.

Remember that these premium estimates are averaged across all insureds and vehicles and do not take into consideration an exact zip code location for college graduates. So the insurer that has the lowest price for you may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from many companies using your own driver information and specific vehicle type.

The make and model of vehicle to be insured is probably the most important factor when consumers are trying to find the most affordable insurance for college graduates. Vehicles with higher performance characteristics, poor crash test ratings, or high incidents of liability claims will cost more to insure than safer, lower-performance models.

The next table presents insurance rates for a selection of the cheaper vehicles to buy insurance for.

Cheapest Vehicles to Insure in Oakland, CA
Vehicle Insured Estimated Cost for Full Coverage
Toyota Prius $1,408
Ford Focus S 4-Dr Sedan $1,477
Chevrolet Malibu LS $1,505
Toyota RAV4 4WD $1,512
Honda CR-V LX 2WD $1,559
Honda Accord EX-L 4-Dr Sedan $1,579
Ford Edge Sport AWD $1,582
Ford Fusion SE 4-Dr Sedan $1,610
GMC Sierra 2500HD SLE Extended Cab 4WD $1,617
Nissan Rogue SL 2WD $1,615
Dodge Ram Quad Cab ST 4WD $1,643
Chevrolet Silverado Crew Cab Hybrid 2WD $1,690
Ford Escape Limited 4WD $1,695
Volkswagen Jetta 2.0T Station Wagon $1,702
Ford F-150 STX Super Cab 2WD $1,710
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, homeowner, and safe-driver. Estimates do not factor in Oakland, CA location which can revise prices considerably.

By looking at the data, you can figure that makes and models like the Toyota Prius, Ford Focus, and Chevrolet Malibu are most likely to be the cheapest vehicles to insure for college grads.

The chart below demonstrates how deductible levels can change annual premium costs when researching cheap insurance for college graduates. The prices are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

The chart above illustrates that a 50-year-old driver could lower rates by $362 a year by switching from a $100 deductible to a $500 deductible, or save $546 by choosing a $1,000 deductible. Younger drivers, like the Age 20 category, could roll back prices up to $1,190 each year by selecting a higher deductible.

When increasing deductibles, it’s a good idea to have additional savings on hand to offset the extra out-of-pocket expense that deters many people from opting for higher deductibles.

Finding the highest-rated company can be difficult considering how many choices drivers have in California. The ranking information displayed below can help you choose which coverage providers you want to consider comparing price quotes from. The rankings below include large nationwide companies, so smaller companies will not be included in the list.

Oakland, CA Auto 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
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Data Source: Insure.com Best Car Insurance Companies

How to find cheaper auto insurance for college graduates

The list below summarizes some of the better penny-pinching ideas that can help California drivers find more affordable auto insurance.

The last tip in the list is very important, as was pointed out in the prior information. Rates can change significantly in a year, so drivers shouldn’t be reluctant to switch carriers if you find a better deal.

Staying with the same car insurance company is fine, but we do not recommend it if it’s costing you a wad of cash every year. Now is a great time to shop around to find cheaper insurance for college graduates in Oakland.

If you aren’t sure which coverage you need and prefer to get some professional input when trying to find lower insurance rates for college graduates, the agents 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 near you, click the button following the list or click here to get price quotes now.

Farmers Insurance – Sam Cheng
388 9th St #259Oakland, CA 94607(510) 893-3978

Maria Wong – State Farm Insurance Agent
1000 Broadway #270Oakland, CA 94607(510) 834-3634

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

More Oakland, CA insurance agents