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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Oakland’s overall average cost of car insurance is $232 per month, compared to the national overall average of $160 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 $155 per month for liability coverage and $309 per month for full coverage.
Full-coverage car insurance costs drivers in Oakland an average of $3,708 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Mile Auto
7.5
$111
$60
Teens and young drivers
Sun Coast
2.3
$220
$75
Drivers with a DUI
Clearcover
6.8
$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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses 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 28,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
7.5/10
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.
$66/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.
$121/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-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
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.
$82/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.
$241/mo
For drivers with a DUI, Sun Coast offers affordable car insurance. Sun Coast is an insurance agency that works with multiple insurance companies through a distribution network of more than 3,500 independent insurance agents. 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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
6.8/10
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.
$89/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.
ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!
Miche - July 1, 2024
Verified
Not Valued as a Loyal Customer
The price was good, but they do not value loyal customers.
…
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 for collision and comprehensive coverages 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 $66 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 $155 per month for liability coverage.
Here are the average quotes for liability-only insurance from the cheapest insurers in Oakland.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$66
Sun Coast
$82
Mercury
$103
Anchor
$109
USAA
$127
National General
$143
GEICO
$169
Direct Auto
$170
Allstate
$175
Farmers
$179
State Farm
$195
Travelers
$205
21st Century
$222
Bristol West
$244
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 $309 per month.
The table below shows the cheapest car insurance companies for full-coverage policies in Oakland.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
$121
Mercury
$192
Sun Coast
$241
Anchor
$255
USAA
$262
GEICO
$349
National General
$349
Allstate
$361
Farmers
$371
Direct Auto
$401
State Farm
$403
Travelers
$422
Bristol West
$456
21st Century
$460
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. If a rollover accident or pothole causes damage to your vehicle, collision can help pay for the repairs.
Comprehensive coverage
Comprehensive insurance offers protection against theft and damages resulting from non-collision incidents, like fire, vandalism, falling objects, and natural disasters such as wildfires, earthquakes, and floods.
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 for several years 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 $86 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Oakland reported 764 fatalities and injuries in speeding-related crashes in 2023. If you receive a speeding ticket, you can anticipate higher auto insurance premiums through a surcharge 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 $208 for liability coverage and $415 for full coverage.
Here are the cheapest insurers for drivers with a speeding ticket in Oakland.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
$66
$88
Sun Coast
$82
$110
Mercury
$103
$139
Anchor
$109
$137
USAA
$127
$159
National General
$143
$180
GEICO
$169
$213
Direct Auto
$170
$214
Allstate
$175
$220
Farmers
$179
$224
State Farm
$195
$243
Travelers
$205
$260
21st Century
$222
$288
Bristol West
$244
$306
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 for three to five years. Insurance companies adjust prices to minimize potential financial liabilities from future accidents.
Liability policies for Oakland drivers with an accident cost an average of $196 per month, and full-coverage policies cost $390 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
$66
$89
Sun Coast
$82
$103
Mercury
$103
$138
Anchor
$109
$150
USAA
$127
$159
National General
$143
$181
GEICO
$169
$213
Direct Auto
$170
$218
Allstate
$175
$219
Farmers
$179
$223
State Farm
$195
$243
Travelers
$205
$259
21st Century
$222
$285
Bristol West
$244
$302
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 multi-year surcharges that significantly increase car insurance premiums. Insurance companies deem a history of DUIs as a substantial financial liability, resulting in increased premiums. Oakland reported 216 fatalities and injuries in alcohol-related crashes in 2023. If you have a DUI conviction, California will even require you to file an SR-22 certificate of financial responsibility with the state DMV.
Oakland drivers with a DUI pay a monthly average of $198 for liability coverage. Full-coverage policies increase to an average of $395 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
$66
$86
Sun Coast
$82
$105
Mercury
$103
$136
Anchor
$109
$162
USAA
$127
$188
National General
$143
$212
GEICO
$169
$250
Direct Auto
$170
$252
Allstate
$175
$259
Farmers
$179
$265
State Farm
$195
$289
Travelers
$205
$304
21st Century
$222
$329
Bristol West
$244
$362
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 25, provided they maintain clean driving records. But as older drivers approach their 70s, premiums may increase slightly due to increased risk of accidents and being seriously injured in accidents.
Senior drivers in Oakland pay $275 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: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$52
$95
Sun Coast
$73
$214
Mercury
$82
$152
Anchor
$88
$206
USAA
$105
$217
National General
$116
$284
Direct Auto
$137
$324
GEICO
$140
$290
Farmers
$145
$301
Allstate
$146
$302
State Farm
$158
$326
Travelers
$167
$345
21st Century
$173
$359
Bristol West
$203
$380
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 $233 per month for liability coverage and $464 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:
Stay on a parents’ car insurance policy for as long as possible. If you're a minor, you won't be able to buy your own policy without written consent from a parent or guardian.
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 Oakland teens with their own car insurance policies.
The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
$119
$217
Sun Coast
$123
$362
Mercury
$172
$321
Anchor
$175
$410
USAA
$193
$398
GEICO
$242
$500
National General
$255
$623
Allstate
$282
$581
Direct Auto
$285
$672
Farmers
$289
$599
State Farm
$303
$626
21st Century
$340
$704
Travelers
$340
$699
Bristol West
$380
$710
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.
The average monthly cost of full-coverage car insurance across the U.S. is $214 per month. Oakland drivers pay similar rates, with an average monthly premium of $309 for full coverage.
Insurance prices can fluctuate substantially depending on the city, as each city’s weather conditions, vehicle theft and vandalism rates, and traffic patterns come into play.[4]
More cities in California
Compared to several California cities, Oakland’s average full-coverage car insurance quotes are higher. But larger cities like Los Angeles, which reported 223,868 traffic injuries and fatalities in 2023,[5] 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 $155 per month for liability only and $309 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 $66. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $82 and $103.
But the cheapest insurer for you will depend on many factors, such as your age, city, 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.[6]
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.
Mark FriedlanderDirector, Corporate Communications, Triple-I
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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