Who Has Cheap Oakland Car Insurance for Single Moms?

One of the many factors that determine the cost of insurance is where you keep your vehicle. Regions with larger populations or more claims are more likely to pay higher prices, whereas areas that tend to be more rural have the luxury of cheap car insurance rates.

The table below lists the most expensive cities in California for single moms to purchase a policy in. Oakland is listed at #5 with an annual cost of $1,687 for car insurance, which is about $141 each month.

How much is auto insurance in Oakland, CA?
Rank City Annual Premium
1 Los Angeles $2,146
2 Glendale $2,142
3 San Francisco $1,745
4 Sacramento $1,703
5 Oakland $1,687
6 Long Beach $1,626
7 San Bernardino $1,596
8 Stockton $1,588
9 Garden Grove $1,570
10 Santa Clarita $1,548
11 Fontana $1,535
12 Moreno Valley $1,506
13 Modesto $1,502
14 Anaheim $1,488
15 Santa Ana $1,483
16 Riverside $1,482
17 Fresno $1,472
18 San Jose $1,437
19 Huntington Beach $1,374
20 Irvine $1,371
21 Fremont $1,361
22 Chula Vista $1,350
23 San Diego $1,340
24 Bakersfield $1,340
25 Oxnard $1,318
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Rate quotes are estimated as specific location information can decrease or increase coverage prices significantly.

The vehicle you are buying coverage for is a large factor when comparing cheaper insurance for single moms. Vehicles with high performance features, poor safety ratings, or a history of substantial liability claims will cost substantially more to insure than more economical and safe models.

The list below illustrates coverage premiums for the cheaper automobiles to insure in California.

Cheapest Vehicles to Insure in Oakland, CA
Make, Model, and Trim Level Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,325
Honda CR-V EX 4WD $1,356
Toyota Prius $1,466
Chevrolet Impala LT $1,571
Jeep Wrangler Sport 4WD 2-Dr $1,576
Ford Escape Limited 4WD $1,644
Honda Odyssey EX-L W/Navigation $1,654
Jeep Grand Cherokee Limited 2WD $1,683
Toyota Corolla XRS $1,689
GMC Sierra 3500HD SLE Extended Cab 2WD $1,714
Dodge Ram 3500 Crew Cab ST 2WD $1,743
Ford Focus S 4-Dr Sedan $1,764
Chevrolet Silverado LS Crew Cab 2WD $1,795
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Price information does not factor in specific zip code location which can increase or decrease coverage rates noticeably.

Looking at the numbers, we can assume that vehicles like the Hyundai Elantra, Honda CR-V, and Toyota Prius should be a few of the most economical vehicles to insure for single parents.

Trying to find cheap insurance is not the easiest thing to accomplish, and deciding which insurers offer the cheapest car insurance rates for single moms will take a little more work. Every insurance provider uses a little different formula to determine rates, so we need to take a look at the car insurance companies with the most affordable rates in Oakland.

Keep in mind that Oakland, CA car insurance rates are impacted by many factors which can substantially decrease or increase the policy price. This price variation is why it is important to shop around when trying to find the best insurance quotes for single moms. Rates are influenced by many things and can change substantially, so the lowest-price company the last time you compared rates may now be wasting a lot of money.

Compare Cheap Insurance Quotes for Single Moms

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Rankings for the cheapest car insurance companies in California
Rank Company Cost Per Year
1 USAA $1,109
2 Wawanesa $1,146
3 CSAA $1,222
4 Nationwide $1,226
5 Century National $1,226
6 21st Century $1,338
7 Grange $1,433
8 Mercury $1,488
9 Progressive $1,496
10 GEICO $1,513
11 Allstate $1,513
12 Allied $1,588
13 MetLife $1,606
14 The Hartford $1,623
15 Unitrin $1,699
16 State Farm $1,750
17 Esurance $1,756
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $1,966
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USAA generally has some of the most affordable car insurance rates in Oakland at around $1,109 annually. Wawanesa, CSAA, Nationwide, and Century National also qualify as some of the best Oakland, CA auto insurance companies.

As the example above demonstrates, if you currently have a policy with Century National and switched to Wawanesa, you might achieve annual savings of about $80. Insureds with 21st Century could save as much as $192 a year, and Grange insureds might cut rates by $287 a year.

To see if you’re overpaying, click here to start your free quote or click through to the companies below.

Understand that those premium estimates are averaged for all drivers and vehicles in California and do not factor in a specific zip code for single moms. So the company that is most affordable for your situation may not even be in the list above. That affirms the importance of why you need to get quotes using your own specific driver and vehicle information.

Picking a good quality insurance provider can be rather challenging considering how many companies are available to choose from in California. The ranking information in the next section can help you analyze which coverage providers to look at purchasing a policy from. The rankings below are only comprised of companies who write in the majority of U.S. states, so companies with more of a regional focus are not factored into this list.

Top 10 Major Auto Insurance Providers 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+

Top 10 Major Auto Insurance Providers in Oakland Ranked by Value

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

The information below shows how choosing a deductible can impact premium costs when searching for cheap insurance for single moms. The premiums are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

The chart above illustrates that a 50-year-old driver could lower their policy premium by $420 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $632 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, could possibly save as much as $1,068 each year just by choosing larger deductibles. If you do decide to increase your deductibles, it will be important to have plenty of money set aside to offset the extra out-of-pocket expense, which is the one shortcoming of high deductibles.

How to get discounts on Oakland car insurance rates

Discounts on car insurance for single momsInsurance companies that provide policies for single moms could also offer discounts that could potentially reduce rates by as much as 25% or more if you are eligible to receive them. Companies and the discounts they provide can be read below.

The example below compares insurance prices with and without policy discounts. The rates are based on a female driver, no accidents or driving violations, California state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The second bar shows the rates with anti-theft, safe-driver, defensive driving course, multiple policy, homeowner, and vehicle safety discounts applied. When discounts are applied, theaverage amount saved on car insurance for single moms is 28% or $661.