Who Has the Cheapest Auto Insurance Rates for Nurses in Oakland?

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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Who has the cheapest car insurance in California?
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.

How much does car insurance cost in Oakland, CA?
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.

Cheapest Vehicles to Insure in Oakland, CA
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

Discounts on insurance for nursesAuto 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.

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.