Cheap Car Insurance in Oakland, CA

How to find cheaper Oakland car insurance rates

The best way to save money on auto insurance in Oakland, California is to spend a few minutes once a year comparing rates from top companies.

1. The first step is to gain an understanding of car insurance and the things you can change to lower rates. Making small changes in your driving habits can have a huge impact on your car insurance price.
2. Request rate estimates from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can give quotes from a single company like GEICO and State Farm, while agents who are independent can give you price quotes for a wide range of insurance providers. This step ensures you have a wide selection of rates from which to compare.
3. Compare the price quotes to the price on your current policy to see if switching to a new carrier will save money.
4. If you can save some money and decide to switch, ensure there is no coverage lapse between policies. Submit a down payment along with a completed application to your new company or agent. Immediately store the certificate verifying proof of insurance with your auto registration paperwork.

A crucial key to this process is that you use similar deductibles and liability limits on each price quote and and to get price estimates from many insurance companies. Doing this guarantees an accurate price comparison and a more complete rate analysis.

The cost of auto insurance depends on a lot of factors, but the average car insurance price in Oakland is right around $1,400 each year. On average, the rest of the U.S. pays approximately $1,220, so Oakland drivers pay around $220 more each year than drivers who live in other states.

One of the largest factors impacting price is the type of car, SUV, or truck you drive. The rate tables below shows insurance cost for many of the more popular vehicles sold in Oakland.

Data rating is based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Information does not factor in zip code location which can increase or decrease coverage rates significantly.

Prices based on single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-vehicle, safe-driver, and multi-policy. Prices do not factor in the specific area where the vehicle is garaged which can modify coverage rates significantly.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Rates do not factor in zip code location which can modify coverage prices noticeably.

Verify you’re getting every discount

The chart below visualizes the comparison of insurance premiums with and without some available policy discounts. The rates are based on a male driver, no violations or accidents, California state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, marriage, homeowner, safe-driver, multi-car, and multi-policy discounts applied.

AUTO INSURANCE FACT
The average driver is overpaying for car insurance by almost $900 a year. Compare rates now and save.

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