Who Has the Cheapest Oakland Auto Insurance Quotes for Ride Shares?

The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, especially when you are trying to find the cheapest coverage for state employees. Because it’s so expensive, let’s open your eyes to some of the things that significantly impact insurance rates, and figure out some ways to reduce the price of the next policy you buy.

The make and model of vehicle requiring insurance is probably the largest consideration when quoting the best cheap car insurance for state employees. Vehicles with economical engines, excellent safety ratings, or a track record of few liability claims will cost quite a bit less to insure than high performance models. The data below illustrates insurance costs for a number of the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in Oakland, CA
Vehicle Estimated Cost for Full Coverage
Ford Escape XLT 2WD $1,331
Hyundai Elantra GLS Touring Station Wagon $1,456
Honda CR-V EX-L 4WD $1,490
Honda Odyssey EX W/Rear Entertainment $1,544
Jeep Grand Cherokee Laredo 2WD $1,573
Chevrolet Silverado LS Extended Cab 4WD $1,578
Dodge Grand Caravan SXT $1,604
Toyota Tacoma Double Cab 4WD $1,611
Toyota Prius $1,620
Volkswagen Jetta S 2.5 Station Wagon $1,622
Jeep Wrangler Sahara 4WD 2-Dr $1,633
Ford F-350 XL Super Cab 2WD $1,641
Chevrolet Impala LTZ $1,659
Toyota Corolla LE $1,668
Nissan Rogue S 2WD $1,685
GMC Sierra 2500HD SLE Regular Cab 4WD $1,690
GMC Sierra 3500HD SLE Extended Cab 2WD $1,719
Find Cheaper Rates Go

Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Premium amounts do not factor in zip code location which can decrease or increase insurance rates considerably.

Based on these rates, you can assume that makes and models like the Ford Escape, Hyundai Elantra, and Honda CR-V are likely to be some of the cheapest vehicles to insure for state workers.

For state workers, one of the largest factors that help determine the annual cost of car insurance is where your car is garaged. Areas with more people or even just a higher incidence of claims tend to have higher auto insurance costs, whereas more rural areas can boast about having cheaper rates.

The next table ranks the highest-priced places in California for state employees to purchase a policy in. Oakland shows up at #4 with a yearly cost of $1,755 on average, which is around $146 per month.

How much is car insurance in Oakland?
Rank City Annual Rate
1 Los Angeles $2,168
2 Glendale $2,121
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,669
6 San Bernardino $1,628
7 Long Beach $1,610
8 Stockton $1,588
9 Garden Grove $1,570
10 Santa Clarita $1,533
11 Modesto $1,532
12 Riverside $1,527
13 Fontana $1,519
14 Moreno Valley $1,506
15 Fresno $1,502
16 Santa Ana $1,483
17 San Jose $1,437
18 Anaheim $1,430
19 Huntington Beach $1,374
20 Bakersfield $1,353
Quote Best Rates Go

Annual rates are comparative as vehicle location can alter premiums significantly.

Finding good, cheap auto insurance is confusing at best, and figuring out which companies quote the best car insurance rates for state employees requires more quotes for comparison. Each insurance company has a different process for determining rates, so let’s begin by taking a look at the overall cheapest car insurance companies in Oakland, CA.

It’s a good idea to be aware that California car insurance rates are impacted by many factors that will increase or decrease the price you have to pay for coverage. Simply improving your credit score, buying a home, or getting a few speeding tickets may prompt premium changes that may make certain companies less affordable than competitors.

Find the Best Cheap Insurance in California

Click to Compare Rates Now

Who has the cheapest car insurance in California?
Rank Company Cost Per Year
1 USAA $1,143
2 Wawanesa $1,192
3 Nationwide $1,213
4 Century National $1,214
5 CSAA $1,234
6 21st Century $1,325
7 Grange $1,447
8 Progressive $1,496
9 Mercury $1,548
10 Allied $1,556
11 GEICO $1,559
12 Allstate $1,559
13 MetLife $1,606
14 The Hartford $1,623
15 State Farm $1,733
16 Esurance $1,739
17 Unitrin $1,750
18 Travelers $1,806
19 Bristol West $1,831
20 Farmers $2,006
Find Your Rate Go

USAA may have some of the lowest car insurance rates in Oakland at around $1,143 annually. Wawanesa, Nationwide, Century National, and CSAA also are some of the best Oakland, CA insurance companies.

As the example above demonstrates, if you currently buy coverage from Century National and switched to USAA, you might achieve yearly savings of in the vicinity of $71. Customers with CSAA could save as much as $91 a year, and 21st Century customers might realize rate reductions of up to $182 a year.

To see how much you can save, click here to start a quote or visit several of the following companies.

These rates are averages for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for state employees. So the auto insurance company that fits your situation best may not even be in the top 24 companies in the list above. That affirms the importance of why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Should you buy full coverage?

Saving on car insurance should be important to most drivers, and one of the best ways to lower the cost of insurance for state employees is to not buy full coverage. The illustration below illustrates the difference between insurance premiums with full physical damage coverage compared to only buying liability only. The data is based on no claims or driving violations, $100 deductibles, drivers are not married, and no discounts are taken into consideration.

If averaged for all ages, physical damage insurance costs $2,525 per year more than insuring for liability only. Many drivers will wonder when is it safe to stop buying full coverage. There is no clear-cut formula to exclude physical damage insurance, but there is a general guideline you can use. If the yearly cost of full coverage is about 10% or more of the vehicle’s replacement cost less your deductible, then you may want to consider only buying liability coverage.

For example, let’s say your vehicle’s replacement cost is $10,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $9,500 after paying your deductible. If you are currently paying more than $950 annually for physical damage coverage, then you may need to consider dropping full coverage.

Poor driving habits will raise your car insurance rates

In a perfect world, the ideal way to earn cheap car insurance premiums in Oakland for state workers is to drive attentively and avoid accidents and violations. The information below shows how violations and at-fault claims drive up insurance costs for different age groups of insureds. Data assumes a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.

The chart shows that the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,975. Add in one speeding ticket and the average cost jumps to $2,296, an increase of $321 each year. Then add one accident along with the one speeding ticket and the 12-month cost of car insurance for state employees jumps again to an average of $3,206. That’s an increase of $1,231, or $103 per month, just for not paying attention while driving!

How to find the cheapest insurance for state employees

Here are many penny-pinching ideas that can help Oakland drivers buy lower-cost coverage.

The last suggestion is certainly significant, as was stressed in this piece. Car insurance rates adjust often, so drivers shouldn’t be reluctant to buy from a new company if you find a cheaper price. We understand brand loyalty, but it’s not a good idea if that dedication is costing hundreds of dollars year after year. If you have a few minutes, compare prices and find cheaper insurance for state employees in Oakland.

If you aren’t sure which coverage to buy and prefer to have some advice when shopping for cheaper insurance for state workers, the insurance agencies listed below can most likely help you make a decision which coverages you need. To find an agent nearest to you, click the button at the bottom of the list or click here to get price quotes now.

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

Larry Sneed – State Farm Insurance Agent
11881 Skyline Blvd cOakland, CA 94619(510) 336-9909

Film Casualty Insurance Agency
3246 Ettie St #23Oakland, CA 94608(619) 578-3048

Fernando Valenzuela – State Farm Insurance
1236 30th AveOakland, CA 94601(510) 533-9712

View more Oakland, CA insurance agencies