Who Has the Cheapest Oakland Auto Insurance Quotes for Drivers Under 25?

You have seen the captivating ads from auto insurance companies like Progressive, State Farm, and Farmers that make promises of enormous savings, so drivers just need to select the one with the best jingle, right?

Unfortunately, it’s just not that easy, as there are a ton of unknown elements such as if you have ever let your policy lapse, what coverage limits you need, the annual mileage you drive, and whether or not you own a home. This article will detail the best ways to save money and will hopefully give you a good start to your coverage search.

Shopping around for reasonably-priced car insurance is not the easiest thing to accomplish, and figuring out which company offers the most affordable auto insurance rates for drivers under 25 takes even more rate comparisons. Every car insurance company uses slightly different criteria for setting rates, so we need to take a look at the overall cheapest auto insurance companies in Oakland.

It’s important to understand that Oakland auto insurance rates are impacted by many factors that control the cost of a policy. Simply turning a year older, increasing deductibles, or getting a couple of tickets may generate price changes that can now make some companies less affordable than competitors.

Lowest Insurance Price Quotes for Young Drivers

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 CSAA $1,198
4 Century National $1,214
5 Nationwide $1,263
6 21st Century $1,325
7 Grange $1,491
8 Progressive $1,512
9 Mercury $1,548
10 Allstate $1,559
11 GEICO $1,575
12 Allied $1,588
13 MetLife $1,590
14 The Hartford $1,623
15 State Farm $1,733
16 Esurance $1,739
17 Unitrin $1,750
18 Bristol West $1,795
19 Travelers $1,860
20 Farmers $2,006
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Wawanesa has some of the most affordable car insurance rates in Oakland at around $1,146 a year. This is $505 less than the average rate paid by California drivers of $1,651. USAA, CSAA, Century National, and Nationwide also make the cut as some of the cheapest Oakland, CA car insurance companies.

As shown above, if you currently have a policy with Century National and switched to USAA, you could realize an annual premium reduction of upwards of $59. Customers with Nationwide might save as much as $108 a year, and 21st Century insureds might lower prices by $170 a year.

Bear in mind that those estimates are averaged across all drivers and vehicles in California and and are not figured with an exact location for drivers under 25. So the auto insurance company that can offer you the best price may not even be in the list above. That’s why you need to get auto insurance quotes using your own driver data and vehicle information.

The type of vehicle driven is probably the most important factor in finding low-priced car insurance for drivers under 25. Vehicles with limited top-end speed, good crash test ratings, or a low likelihood of liability claims will cost quite a bit less to insure than higher performance models. The list below illustrates insurance prices 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
Honda CR-V EX 2WD $2,917
Honda Accord LX 4-Dr Sedan $2,923
Ford Escape Limited 4WD $3,149
Toyota Prius $3,194
Ford F-150 XL Super Cab 4WD $3,272
Dodge Grand Caravan CV $3,278
Volkswagen Jetta 2.0T Station Wagon $3,379
Honda Odyssey EX W/Rear Entertainment $3,416
Honda Civic DX 4-Dr Sedan $3,423
Ford Edge SEL 2WD $3,416
Toyota Tacoma 2WD $3,426
Chevrolet Malibu LS $3,460
Toyota RAV4 2WD $3,468
Ford Explorer Limited 4WD $3,505
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,604
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Prices above based on single female driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rate information does not factor in vehicle location which can affect price quotes substantially.

Looking at the rates, we can assume that cars like the Honda CR-V, Honda Accord, Ford Escape, Toyota Prius, and Ford F-150 are most likely to be some of the cheapest vehicles to insure for drivers age 25 and younger. Auto insurance rates will tend to be more expensive because there is more claim risk for drivers under 25, but overall those makes and models will have the lowest prices compared to other vehicles.

Finding the right auto insurance company is difficult considering how many companies sell insurance in California. The rank data in the lists below can help you choose which companies to look at comparing price quotes from. These ratings include companies with a national presence, so companies that focus mainly on California business are not included in these rankings.

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
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

Cost comparison with and without full coverage

Finding the cheapest auto insurance should be important to most people, and one good way to buy cheaper insurance for drivers under 25 is to only buy liability coverage. The example below compares auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums assume no claims or driving citations, $500 deductibles, single status, and no policy discounts are applied.

On average, comprehensive and collision coverage on your policy costs an extra $2,075 per year more than just buying liability insurance. At some point, almost every driver questions if paying for full coverage is a waste of money. There is no definitive guideline to eliminate physical damage insurance, but there is a broad guideline. If the annual cost of comprehensive and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s say your vehicle’s book value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If you are currently paying more than $700 annually for physical damage coverage, then it may be the right time to buy liability only.

Discount Oakland car insurance rates

Discounts on auto insurance for drivers under 25Insurance companies that provide policies for drivers under 25 may also give you discounts that could reduce prices by as much as 40% or more if you meet specific eligibility requirements. A list of companies and a selection of discounts can be found below.

The diagram below illustrates the difference between insurance prices with and without discounts applied. The premiums are based on a female driver, no claims or driving citations, California state minimum liability limits, full physical damage coverage, and $250 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with good student, passive restraint, continuous coverage, anti-theft, paperless filing, and vehicle safety discounts applied. When discounts are factored in, theamount saved on auto insurance for drivers under 25 is 21% or $513.

How to find economical car insurance for drivers under 25

Below you’ll find some of the recommended thrifty suggestions that can help drivers get lower-cost auto insurance.

The last suggestion is highly valuable, as we hit on in the prior information. Prices can change considerably in a year, so don’t be unwilling to switch companies if a more affordable price is available. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that devotion results in you overpaying thousands of dollars over the life of your policy. If you have a few minutes, compare rates and find cheaper insurance for drivers under 25 in Oakland.

If you prefer to have some professional guidance when comparing insurance rates for drivers age 25 and younger, the professional agents shown below can help you make a decision which coverage meets your needs best.

To find an Oakland insurance agent in your neighborhood, click the button following the list.

Greater Metrowest Insurance Agency
Oakland, CA 94612Oakland, CA 94612(510) 444-1404

Farmers Insurance – Lorraine Yip Yung
1168 Franklin StOakland, CA 94607(510) 832-5113

Farmers Insurance – Mahir Abdul-Haqq
4267 Masterson StOakland, CA 94619(510) 530-8502

More insurance agents in Oakland, CA