Trying to buy budget auto insurance is easier said than done, and deciding which companies have the cheapest insurance rates for nurses involves even more diligence.
Every car insurance company has a unique formula to determine rates, so let’s begin by taking a look at the insurance companies with the overall best prices in Oakland. It’s important to know that Oakland, CA insurance rates are based on many factors which can substantially decrease or increase the cost of a policy. Improving your credit score, moving to a new city, or having an at-fault accident can trigger price changes that can now make some companies cheaper than competitors.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,447 |
| 8 | Mercury | $1,503 |
| 9 | Progressive | $1,512 |
| 10 | GEICO | $1,529 |
| 11 | Allstate | $1,559 |
| 12 | MetLife | $1,590 |
| 13 | Allied | $1,603 |
| 14 | The Hartford | $1,623 |
| 15 | Esurance | $1,688 |
| 16 | Unitrin | $1,699 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,806 |
| 20 | Farmers | $1,946 |
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USAA has some of the cheapest car insurance rates in Oakland at around $1,121 annually. This is $530 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide would also be considered some of the lowest-priced Oakland, CA auto insurance companies.
In this example, if you are currently insured with Wawanesa and switched to USAA, you might achieve a yearly savings of in the neighborhood of $25. Insureds with Century National may save as much as $69 a year, and CSAA insureds might see rate reductions of $101 a year.
To find out how your current rates compare, click here or quote rates from the companies below.
Understand that those premiums are averages for all drivers and vehicles in California and and are not calculated with an exact location for nurses. So the auto insurance company that can offer you the best rate may not even be in the top 24 companies shown above. That emphasizes why you need to get quotes using your own specific driver information and vehicle.
One of the many criteria that are looked at to help calculate the amount you pay for auto insurance is your zip code. Regions with more people or even just more weather-related claims will most likely have higher rates, whereas more rural areas tend to receive cheaper rates.
The information below rates the most expensive places in California for nurses to buy an auto insurance policy in. Oakland is listed at #5 with an annual rate of $1,687 for the average policy, which is approximately $141 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | Sacramento | $1,703 |
| 4 | San Francisco | $1,693 |
| 5 | Oakland | $1,687 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,603 |
| 8 | Fontana | $1,581 |
| 9 | Long Beach | $1,578 |
| 10 | Santa Clarita | $1,548 |
| 11 | Garden Grove | $1,524 |
| 12 | Fresno | $1,502 |
| 13 | Moreno Valley | $1,491 |
| 14 | Modesto | $1,487 |
| 15 | Santa Ana | $1,483 |
| 16 | Riverside | $1,482 |
| 17 | Anaheim | $1,430 |
| 18 | Fremont | $1,403 |
| 19 | San Jose | $1,395 |
| 20 | Bakersfield | $1,394 |
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Annual rates are approximated as specific location information can increase or decrease price quotes significantly.
The car, truck, or SUV that is being insured is a significant factor that determines whether or not you find low-priced insurance for nurses. Vehicles with higher performance characteristics, poor safety features, or a track record of large liability claims will cost significantly more to insure than safer, lower-performance models.
The table below features car insurance prices for a selection of the most cost-effective automobiles to insure in California.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,379 |
| Toyota Prius | $1,495 |
| Honda Accord EX 4-Dr Sedan | $1,548 |
| Ford Escape XLS 4WD | $1,553 |
| Chevrolet Equinox LS AWD | $1,598 |
| Toyota RAV4 4WD | $1,606 |
| Ford F-150 Lariat Super Cab 2WD | $1,630 |
| Ford Explorer Eddie Bauer 4WD | $1,636 |
| Toyota Corolla XLE | $1,680 |
| Ford Edge SE 2WD | $1,701 |
| Kia Optima LX | $1,712 |
| GMC Sierra SLE Crew Cab 4WD | $1,717 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,796 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,807 |
| Honda Odyssey LX | $1,814 |
| Chevrolet Silverado LS Crew Cab 2WD | $1,825 |
| Chevrolet Impala LT | $1,830 |
| Ford Fusion S 4-Dr Sedan | $1,836 |
| Jeep Wrangler Sahara 4WD 2-Dr | $1,854 |
| Dodge Ram 2500 Crew Cab SLT 2WD | $1,909 |
| Ford Focus S 4-Dr Sedan | $1,920 |
| Dodge Grand Caravan Hero | $1,960 |
| Jeep Grand Cherokee Limited 2WD | $1,965 |
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Prices 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 homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Prices do not factor in your specific Oakland, CA location which can change auto insurance rates greatly.
Based upon these rates, cars like the Honda CR-V, Toyota Prius, Honda Accord, Ford Escape, and Chevrolet Equinox are likely to be the most economical vehicles to insure for health professionals.
Safe drivers pay less for insurance
A great way to obtain cheap insurance premiums in California for health professionals is to drive carefully and avoid accidents and traffic citations. The illustration below illustrates how speeding tickets and accident claims drive up annual premium costs for different age categories. The costs are based on a single male driver, comp and collision included, $1,000 deductibles, and no discounts are applied to the premium.
In the chart above, the average cost of a car insurance policy in Oakland per year with a clean driving record and no accidents is $1,849. Get two speeding tickets and the average cost increases to $2,435, an increase of $585 each year. Then throw in two accidents along with the two speeding tickets and the annual cost of insurance for nurses goes up to an average of $4,884. That’s an increase of $3,035, or $253 per month, just for not driving attentively!
The information below shows how choosing a deductible can change insurance premiums when quoting cheap insurance for nurses. The rates are based on a single female driver, comp and collision included, and no policy discounts are applied.
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 using a $1,000 deductible. Young drivers, like the age 20 example, could roll back prices $1,068 or even more by using a higher deductible. When using a larger deductible, it is a good idea to have additional funds in a savings account to offset the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Get discounts on Oakland insurance rates
Auto insurance companies that offer quotes for nurses may also give you rate discounts that can lower rates by 25% or more if you meet eligibility requirements. The best insurance companies and a summarized list of policyholder discounts are outlined below.
- Farm Bureau may include discounts for safe driver, youthful driver, multi-policy, good student, driver training, multi-vehicle, and renewal discount.
- MetLife includes discounts for accident-free, multi-policy, good student, defensive driver, claim-free, good driver
- Progressive discounts include continuous coverage, online signing, multi-vehicle, homeowner, and online quote discount.
- AAA may have discounts that include education and occupation, good driver, multi-policy, pay-in-full, AAA membership discount, and good student.
- American Family offers discounts for good driver, bundled insurance, air bags, good student, accident-free, multi-vehicle, and Steer into Savings.
- GEICO policyholders can earn discounts including multi-policy, anti-theft, membership and employees, seat belt use, multi-vehicle, emergency military deployment, and driver training.
- State Farm offers premium reductions for multiple policy, Drive Safe & Save, driver’s education, good driver, and defensive driving training.
The example below shows the difference between insurance rates with and without discounts. Data assumes a female driver, no claims or driving violations, California state minimum liability limits, full physical damage coverage, and $100 deductibles.
The first bar for each age group shows insurance cost with no discounts. The second shows the rates with safe-driver, accident-free, passive restraint, marriage, defensive driving course, and multiple policy discounts applied. When drivers take advantage of discounts, the average savings per year on insurance for nurses is 28% or $661.