13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Cheapest recent rates near Oakland, California
Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $107/mo for full coverage in Oakland and other California cities.
*Quotes generated for Insurify users in and around Oakland, California within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Oakland, California within the last 10 days. Last updated on April 25, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Oakland’s overall average cost of car insurance is $178 per month, compared to the national overall average of $158 per month. The city’s proximity to San Francisco, combined with the higher risk of natural disasters in the state, could contribute to its higher car insurance costs. The risk of accidents is greater in larger cities, so insurers raise rates to account for the increased likelihood of drivers filing a claim.
If you want to find the best price for your situation, here’s what you need to know about comparing quotes and how different factors affect your premiums.
Quick Facts
Mile Auto, Sun Coast, and Mercury have the cheapest car insurance in Oakland.
Oakland drivers pay an average of $138 per month for liability coverage and $218 per month for full coverage.
Full-coverage car insurance costs drivers in Oakland an average of $2,613 per year.
3 of the cheapest car insurance companies in Oakland
When searching for the ideal car insurance company in Oakland, it’s crucial to assess your unique requirements and specific needs. The right policy for you may differ based on factors like your driving record, vehicle type, and desired coverage. One way to find better prices is to compare the best car insurance companies in Oakland.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Mile Auto
3.5
$117
$63
Teens and young drivers
Sun Coast
2.3
$181
$73
Drivers with a DUI
Clearcover
3.2
$137
$67
Drivers with a speeding ticket
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Best insurer for teens and young drivers: Mile Auto
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$63/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$117/mo
Mile Auto is an excellent choice for teen drivers who spend limited time on the road. With its pay-per-mile insurance model, low-mileage drivers may save between 30% and 40% on their current premiums. You only pay for the miles you drive, making it a simple and cost-effective option.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
Not rated
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$70/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$163/mo
For drivers with a DUI, Sun Coast offers affordable car insurance. It caters to customers with various driving records, including clean records, accidents, tickets, suspended licenses, and foreign driver’s licenses. Sun Coast also provides discounts for good drivers, prior insurance holders, multiple cars, and homeowners.
Pros
Flexible billing options
Low down payments possible
Cons
No home or life policies
No mobile app
Best insurer for drivers with a speeding ticket: Clearcover
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$88/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$144/mo
Clearcover stands out as one of the most affordable options for drivers with a speeding ticket on their record. Its streamlined process allows customers to get a custom quote quickly, and filing a claim takes an average of just seven minutes.
They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.
Linda - April 7, 2024
Verified
No
The cost is too high considering how little I drive. I haven't had any tickets in 10 years and I'm a senior.
Larry - February 9, 2024
Verified
Excellent
No problems.
How to get the cheapest car insurance in Oakland
Getting affordable car insurance isn’t possible without a little work. When searching for cheap car insurance in Oakland, keep these tips in mind:
Ask for discounts. Inquire about available discounts, such as for having features like antilock brakes and passive restraint systems in your vehicle.
Research insurance companies. Get free quotes from different companies for the same coverage levels and compare them. Once you find a better price with an insurer, research its customer service and financial strength ratings.
Consider a higher deductible. Selecting a higher deductible can lower your premium. But make sure you have sufficient savings to cover it in case of a claim.
Bundle your policies. Ask about multi-policy discounts when bundling your car insurance with other policies, like renters or homeowners insurance.
Find Cheap Car Insurance in Oakland
Liability rates start as low as $63 per month
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Cheapest liability-only car insurance in Oakland: Mile Auto
Liability-only coverage provides financial security for damages or injuries to other parties in an accident you cause. It doesn’t include repairs for your own vehicle. This insurance type pays for the medical expenses and property damage of the other party, up to the policy limits. Liability-only insurance is usually the most affordable auto insurance policy type because it only covers other parties’ expenses, not your own.
Oakland drivers pay an average of $138 per month for liability coverage.
Here are the average quotes for liability-only insurance from the cheapest insurers in Oakland, California.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
63
Sun Coast
70
Mercury
85
Anchor
90
Safeco
92
USAA
100
Dairyland
112
National General
123
GEICO
134
Allstate
138
Farmers
142
Direct Auto
146
State Farm
153
Travelers
161
Bristol West
175
21st Century
176
Nationwide
216
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Oakland: Mile Auto
Liability-only doesn’t provide coverage for your vehicle. For more protection, consider full-coverage car insurance. It typically includes liability insurance, plus comprehensive and collision coverages, which cover damages to your car. Full-coverage insurance is a good idea for drivers with valuable vehicles, people living in areas prone to accidents or theft, or anyone seeking extensive coverage for personal and third-party damages.
Full-coverage policies in Oakland cost an average of $218 per month.
The table below shows the cheapest car insurance companies for full-coverage policies in Oakland, California.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
117
Mercury
157
Sun Coast
163
Safeco
166
Anchor
194
USAA
215
Dairyland
260
National General
262
GEICO
287
Allstate
297
Farmers
306
State Farm
331
Travelers
348
Direct Auto
352
21st Century
379
Bristol West
390
Nationwide
466
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in California
The state of California imposes a mandatory minimum car insurance requirement known as 15/30/5. This translates to the following requirements:[1]
Coverage
Minimum Requirements
Bodily injury liability
$15,000 per person / $30,000 per accident
Property damage liability
$5,000 per accident
Important Information
California liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[2]
Because minimum liability insurance is the most basic auto policy, you may want more protection for yourself and your vehicle. Consider enhancing your insurance coverage with these optional add-ons:
Collision coverage
Collision insurancecovers damages to your vehicle from collisions with other vehicles or objects, regardless of fault.
Comprehensive coverage
Comprehensive insurance offers protection against theft and damages resulting from non-collision incidents, like fire, vandalism, falling objects, and natural disasters.
Glass coverage
This includes coverage for windshield and glass damage, with some policies providing no-deductible coverage for side windows, rear windows, and glass sunroofs.
Gap coverage
Ideal for financed or leased vehicles, gap insurance covers the difference between your auto loan balance and the insurance payout in case of a total loss.
Cheapest car insurance for drivers with an incident
Drivers with incidents like at-fault accidents, speeding tickets, driving under the influence (DUI), or other moving violations on their records need to prioritize finding cost-effective auto insurance. Marks on your driving record often result in higher premiums because insurance companies take on an increased risk of potential future claims.[3]
California may even require high-risk drivers to file SR-22 insurance, which can increase rates for at least three years. Here are the most affordable car insurance companies for drivers with incidents on their records.
Shop for Car Insurance in Oakland, CA
Monthly rates start at $89 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Oakland reported 251 fatalities and injuries in speeding-related crashes in 2020.[4] If you receive a speeding ticket, you can anticipate higher auto insurance premiums because of the increased risk of loss. But it’s still possible to find comparatively cheap car insurance coverage, even with a speeding ticket.
Drivers in Oakland with a speeding ticket pay monthly averages of $193 for liability coverage and $304 for full coverage.
Here are the cheapest insurers for drivers with a speeding ticket in Oakland, California.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
63
89
Mercury
85
125
Safeco
92
127
USAA
100
127
Dairyland
112
147
National General
123
157
GEICO
134
170
Allstate
138
175
Farmers
142
181
Direct Auto
146
191
State Farm
153
191
Travelers
161
208
Bristol West
175
227
21st Century
176
233
Nationwide
216
277
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
An at-fault accident on your driving record often leads to an increase in your auto insurance premiums. Insurance companies adjust prices to minimize potential financial liabilities from future accidents.
Liability policies for Oakland drivers with an accident cost an average of $180 per month, and full-coverage policies cost $284 per month.
For Oakland residents with an at-fault accident history, the table below highlights the cheapest insurers.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
63
90
Mercury
85
124
Anchor
90
118
Safeco
92
128
USAA
100
127
Dairyland
112
145
National General
123
159
GEICO
134
170
Allstate
138
175
Farmers
142
180
Direct Auto
146
192
State Farm
153
192
Travelers
161
207
Bristol West
175
222
21st Century
176
231
Nationwide
216
277
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
DUIs are serious driving offenses, leading to significant hikes in car insurance premiums. Insurance companies deem a history of DUIs as a substantial financial liability, resulting in increased premiums. Oakland reported 232 DUI arrests in 2020 and 306 in 2019.[4] If you have a DUI conviction, California may even require you to purchase SR-22 insurance, which is typically more expensive.
Oakland drivers with a DUI pay a monthly average of $185 for liability coverage. Full-coverage policies increase to an average of $293 per month.
Here are the cheapest auto insurers in Oakland for drivers with a DUI on their record.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
63
95
Mercury
85
127
Anchor
90
130
Safeco
92
133
USAA
100
145
Dairyland
112
162
National General
123
178
GEICO
134
194
Allstate
138
200
Farmers
142
205
Direct Auto
146
211
State Farm
153
221
Travelers
161
233
Bristol West
175
253
21st Century
176
255
Nationwide
216
313
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Age significantly influences car insurance costs. As drivers gain experience, premiums typically decrease, especially around age 35, provided they maintain clean driving records. But as older drivers approach their 70s, premiums may increase slightly due to changes in vision and hearing.[5]
Senior drivers in Oakland pay $179 per month, on average, for a full-coverage policy.
The table below shows the cheapest car insurance companies for senior drivers in Oakland.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
48
90
Mercury
69
128
Safeco
78
141
USAA
80
172
Dairyland
90
210
National General
99
212
GEICO
106
227
Allstate
111
239
Farmers
111
240
Direct Auto
113
272
State Farm
118
256
Travelers
127
274
21st Century
133
286
Bristol West
140
313
Nationwide
163
351
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
Teens generally pay higher premiums than older drivers.
“Teens pay more for car insurance because there is a lack of experience behind the wheel, as well as a tendency to have poor decision-making skills,” says Steve Rivera, partner at The Liberty Company Insurance Brokers.
Oakland teens pay $214 per month for liability coverage and $337 per month for full coverage, according to Insurify data.
If you’re a young adult or teen, here are some tips for finding lower prices:
Look for student-away-at-school, defensive driving courses, and good student discounts.
Choose a car with highly rated safety features.
Here are the cheapest car insurance companies for teens and young drivers in Oakland.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
114
212
Mercury
146
270
Anchor
151
325
Safeco
154
278
USAA
154
331
Dairyland
169
393
GEICO
196
420
National General
220
468
Allstate
227
489
Farmers
231
499
State Farm
245
530
Direct Auto
250
602
Bristol West
271
605
Travelers
272
588
21st Century
274
591
Nationwide
346
746
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Oakland?
The average monthly cost of full-coverage car insurance across the U.S. is $213 per month. Oakland drivers pay similar rates, with an average monthly premium of $218 for full coverage.
Insurance prices can fluctuate substantially depending on the ZIP code, as each city’s weather conditions, crime rates, and traffic patterns come into play.[6]
More cities in California
Compared to several California cities, Oakland’s average full-coverage car insurance quotes are higher. But big cities like Los Angeles, which reported more traffic injuries and fatalities in 2020 than Oakland, often have greater expenses for car insurance.
Here’s a breakdown of average car insurance quotes in other major cities in California.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Oakland car insurance FAQs
Compare car insurance rates by state to see how California stacks up against other states’ average premiums, and learn more about Oakland car insurance with the answers to these common questions.
How much is car insurance in Oakland?
The average cost of car insurance in Oakland is $138 per month for liability only and $218 per month for full coverage.
What is the cheapest car insurance company in Oakland?
Mile Auto is the cheapest car insurance company in Oakland, with monthly liability rates as low as $63. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $70 and $85.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Oakland?
Some of the best car insurance companies in Oakland include Mile Auto, USAA, and Safeco. These companies have strong customer satisfaction ratings, comparatively affordable premiums, and strong Insurify Quality Scores.
But the best insurer will depend on your specific needs and budget, so it’s important to always compare quotes from multiple companies to find the best rates for you.
Can credit history affect your car insurance prices in California?
No. Your credit history doesn’t affect your car insurance premiums in California. This means that insurers can’t charge you higher premiums if you have fair or poor credit.[7]
How much car insurance do you need in Oakland?
California law requires Oakland drivers to purchase at least 15/30/5 car insurance limits. This translates to $15,000 per person and $30,000 per accident for bodily injury liability and $5,000 per accident for property damage liability.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.