Who Has the Cheapest Oakland Auto Insurance for Welfare Recipients?

Things would sure be easy if we could tell you the one best company that has the best deal on coverage in California. It’s not that easy, however, as there are a whole bunch of unknown elements like how far you drive each year, the amount of liability coverage you want, and the performance level of your vehicle, that all have an effect on the price. We will attempt to cover the best ways to save on auto insurance and hopefully give you enough understanding to have a good start to your coverage search.

The car, truck, or SUV you are insuring is a large factor when looking for the best cheap car insurance for welfare recipients. Vehicles with economical engines, an excellent safety record, or a positive history of liability claims will cost less to insure than fast, unsafe models.

The next list estimates auto insurance premiums for a handful of the most cost-effective vehicles to insure.

Cheapest Vehicles to Insure in Oakland, CA
Vehicle Insured Estimated Cost for Full Coverage
Volkswagen Jetta LE 4-Dr Sedan $1,521
Chevrolet Equinox LS 2WD $1,531
GMC Sierra SLE Regular Cab 2WD $1,521
Dodge Grand Caravan Crew $1,552
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $1,575
Hyundai Elantra GLS Touring Station Wagon $1,578
Honda Accord LX 4-Dr Sedan $1,586
Toyota Tacoma X-Runner 2WD $1,598
Ford Escape Limited 4WD $1,607
Honda CR-V EX 4WD $1,616
Nissan Altima Hybrid 4-Dr Sedan $1,629
Ford F-150 XLT Crew Cab 2WD $1,657
GMC Sierra 3500HD SLE Crew Cab 2WD $1,666
Chevrolet Impala LS $1,714
Honda Civic DX 4-Dr Sedan $1,722
Ford Edge SE 2WD $1,727
Toyota Camry Hybrid $1,740
Toyota RAV4 2WD $1,747
Toyota Prius $1,755
Dodge Ram 2500 Mega Cab Laramie 4WD $1,768
Dodge Ram Crew Cab TRX 4WD $1,778
Dodge Ram 3500 Crew Cab Laramie 2WD $1,778
Ford Explorer Limited 2WD $1,785
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Price information does not factor in specific garaging location which can raise or lower premiums substantially.

Looking at the data, you can figure that cars like the Volkswagen Jetta, Chevrolet Equinox, and GMC Sierra are going to be a few of the cheaper vehicles to insure for drivers on welfare.

Establishing which companies offer the cheapest car insurance rates for welfare recipients requires a tad more effort than just comparing a company or two.

Each insurance company has their own formula for setting prices, so we’ll go over the most budget-friendly car insurance companies in Oakland, CA. It’s important that you understand Oakland, CA car insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Simply having another birthday, having a teenage driver, or having a fender bender can trigger changes in premium that may make certain companies more affordable than others.

Compare Cheap Insurance Quotes in California

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 Wawanesa $1,146
2 USAA $1,155
3 CSAA $1,186
4 Nationwide $1,213
5 Century National $1,214
6 21st Century $1,366
7 Grange $1,433
8 Mercury $1,533
9 Progressive $1,542
10 Allstate $1,543
11 GEICO $1,575
12 Allied $1,603
13 The Hartford $1,623
14 MetLife $1,654
15 Esurance $1,688
16 State Farm $1,699
17 Unitrin $1,750
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $2,006
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Wawanesa generally has some of the lowest car insurance rates in Oakland at around $1,146 each year. This is $505 less than the average price paid by California drivers of $1,651. USAA, CSAA, Nationwide, and Century National would also be considered some of the cheaper Oakland, CA auto insurance companies.

In this example, if you are currently insured with USAA and switched to Wawanesa, you could earn annual savings of about $9. California drivers with CSAA may save as much as $40 a year, and Nationwide insureds might see rate reductions of $67 a year.

If you want to find out if you’re overpaying, click here or visit any of the low-priced companies below.

Be aware that those policy prices are averages for all ages of drivers and types of vehicles and are not factoring in a vehicle location for welfare recipients. So the company that can offer the best rates for your situation may not even be in the top 24 companies shown above. That illustrates why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

For drivers on welfare, one of the big criteria that determine the price you pay for insurance is your address. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas that tend to be more rural have the benefit of cheaper auto insurance prices.

The information below sorts the most expensive places in California for welfare recipients to purchase a policy in. Oakland is listed at #5 with an annual premium of $1,687 for the average policyholder, which is about $141 monthly.

Car insurance prices in Oakland
Rank City Annual Premium
1 Los Angeles $2,168
2 Glendale $2,121
3 San Francisco $1,745
4 Sacramento $1,703
5 Oakland $1,687
6 San Bernardino $1,644
7 Stockton $1,588
8 Long Beach $1,562
9 Moreno Valley $1,551
10 Riverside $1,542
11 Fontana $1,535
12 Santa Clarita $1,533
13 Garden Grove $1,524
14 Fresno $1,517
15 Modesto $1,487
16 Anaheim $1,474
17 Santa Ana $1,453
18 San Jose $1,423
19 Bakersfield $1,394
20 Irvine $1,384
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Rate quotes are estimated as the specific geographic location can affect premium rates greatly.

The example below illustrates how your deductible choice can increase or decrease insurance rates when getting quotes for cheap insurance for welfare recipients. Data assumes a married male driver, comp and collision included, and no discounts are taken into consideration.

The chart above illustrates that a 40-year-old driver could reduce rates by $416 a year by switching from a $100 deductible up to a $500 deductible, or save $626 by selecting a $1,000 deductible. Young drivers, like the Age 20 chart data, could drop their prices $1,398 or more by using higher deductibles when buying full coverage. When using a larger deductible, it will be important to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.

Insurance rate increases from tickets or accidents

A great way to get the cheapest car insurance prices for drivers on welfare is to pay attention while driving and have a clean driving record. The information below highlights how traffic violations and accident claims can raise car insurance costs for different age categories. The data assumes a single female driver, full coverage, $250 deductibles, and no other discounts are factored in.

The chart shows that the average cost of auto insurance in Oakland per year with no accidents or violations is $2,987. Get two speeding tickets and the average cost rises to $4,016, an increase of $1,029 each year. Next add one accident along with the two speeding tickets and the 12-month cost of car insurance for welfare recipients increases to an average of $5,052. That’s an increase of $2,065, or $172 per month, just for not being a responsible driver!

How to find a good Oakland car insurance company

Finding a highly-rated insurer can be rather challenging considering how many companies sell insurance in Oakland. The information in the next section may help you pick which insurers to look at buying from.

These rankings only include companies with a national presence, so smaller companies are not taken into consideration for this list. To get price quotes and find cheaper insurance for welfare recipients, just click here.

Top 10 Large Car Insurance Companies 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+

Why are you paying too much for car insurance?

Oakland car insurance rates are impacted by many factors that may substantially change your annual premium. Turning one year older, having a teen driver, or getting a ticket for running a stop sign can trigger price changes that can cause some rates to be cheaper than before.

In addition, companies file new rates as needed to ensure their profitability. A period of increased losses may result in increased policy costs, while a profitable period may cause lower-priced Oakland car insurance rates.

To illustrate this point, the bar chart below analyzes the cheapest car insurance in Oakland, CA for a 30-year-old male driver with no prior claims, no tickets, and excellent credit. If we look at prices based on his personal risk profile, USAA offers the lowest car insurance rates in Oakland at $1,471 annually. This is $180 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the most affordable Oakland, CA auto insurance companies.

The chart below compares rates after we give the driver in the first chart a claim surcharge, a lower credit rating, and a few blemishes on his driving record. Since every insurance provider has a different formula to set premium rates, comparing prices could result in a different list of the cheapest companies as shown below.

Grange now has the best car insurance rate in Oakland with Allstate, Mercury, Progressive, and GEICO completing the list. This example illustrates why consumers need to shop around to find the best car insurance quotes for welfare recipients. Car insurance prices can be altered by many things and change dramatically, so the most economical option a year ago may now not even be in the top five.