Cheap Auto Insurance Quotes in Oakland, CA (2023)

Street safety is concerning for Oakland drivers, pedestrians, and cyclists. According to statistics, at least two people are killed or severely injured in the city’s streets each week.

It’s illegal to drive in the state of California without insurance anyway, but with these Oakland odds, why would you? Having a solid auto insurance plan in Oakland is critical when driving in, to, and from this city.

Car Insurance in Oakland, CA

The average cost of California car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Oakland, CA to find you the cheapest quotes in the area.

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• Cheap Car Insurance California

• Compare Car Insurance

Cheapest Car Insurance in Oakland, CA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Oakland, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Oakland. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in California

Oakland Car Insurance Rates by Driver Age

At $599, even the most hardworking teens will have a hard time making their monthly car insurance payments. For people in Oakland, the price tends to go down as the number of years behind the wheel goes up. That’s why in a few short years, twentysomethings see an over $250 price cut over the youngest drivers. From there, everyone beats the state average of $256, with those in their 80s getting an outstanding deal. In fact, the octogenarians paid less than one-fourth of what the teenagers do, at $147 per month.

Oakland Car Insurance Rates by Driving and Accident History

Californians instinctively know that safe driving is smart driving. Insurance companies agree and award “good driver” and “accident-free” discounts to those with clean records. An at-fault wreck ends the price cuts and pops the price up $70 per month, or $840 per year. Beyond that, a failure-to-stop ticket will cost drivers $125 more per month. But it’s not all bad news. After three years of careful driving, accidents and violations stop dinging insurance prices.

See More:

• High-risk Car Insurance California

• DUI Car Insurance California

Oakland Car Insurance Rates by Credit Tier

The Golden State is one of a few in the U.S. that prevents insurance companies from using credit as a factor when setting insurance rates. Residents complained long enough, and the state law caught up with the will of the people in 1988. Since then, the rates have been based primarily on a driver’s safety. It seems other factors, like bundling, may play into why those with excellent credit pay less than those with good credit. Bundling home and auto insurance, a widespread practice for those with better credit, might account for part of the over $70 price difference.

See More: Bad Credit Car Insurance California

Find local Oakland agents

Oakland, CA DMV Information

There are over 15 DMV-related locations in Oakland, from kiosks to DMV field offices to DMV partners. DMV field offices can handle most licensing and vehicle services that you can imagine, though checking each location’s services and hours is always recommended. California’s DMV partners mostly handle title and tag-related operations and charge a small fee. While there’s only one self-service kiosk in Oakland, there are 30 more within an hour of town. If all of these options seem like a hassle, doing your DMV business online may be for you.

Public Transportation in Oakland, CA

Though plenty of commuters drive to and from Oakland, many prefer public transportation over using their own ride. Bay Area Rapid Transit (BART) is an all-electric train service that connects passengers to cities throughout the East Bay, while AC Transit offers bus services throughout Oakland and neighboring communities. Travelers who want to see the San Francisco Bay in all its beauty can use the San Francisco Bay Ferry to get to Oakland, San Francisco, and Alameda. Bikeshare, traditional taxis, and on-demand ride services are offered here too.

For more detailed California city level guides, check out these below.

• Average Cost of Car Insurance Rates in California

• DUI Car Insurance Rates in California

• High-Risk Driver Car Insurance Rates in California

• California Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in California

• SR-22 Insurance in California

How to get the best and cheapest car insurance in Oakland, CA

While having solid auto insurance coverage in Oakland is important, shopping insurance companies one data point at a time is a grind.

Is the scratch piece of paper you’ve been using to compare rates company after company really all that accurate? Using Insurify takes the guesswork out of comparing coverages and gets you the coverage you need quickly.