Cheapest Auto Insurance in Oakland, California (2024)

With monthly rates as low as $66, Mile Auto is the cheapest car insurance company in Oakland.

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Cheapest recent rates near Oakland, California

Recent Oakland, California car insurance prices for Chevrolet, Nissan, KIA , and more.

*Quotes generated for Insurify users in and around Oakland, California within the last 10 days. Last updated on October 3, 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 October 3, 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 October 3, 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 October 3, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated October 3, 2024

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Oaklands overall average cost of car insurance is $232 per month, compared to the national overall average of $158 per month. The citys 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 Auto7.5$112$60Teens and young drivers
Sun Coast2.3$218$94Drivers with a DUI
Clearcover6.8$137$67Drivers 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

Compare personalized, real-time quotes
User Reviews
3.8
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.
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.

Pros
  • Low-mileage drivers can save

  • No in-car telematics device required

Cons
  • No mobile app

  • Poor customer ratings from Trustpilot users

Read more driver reviews of Mile Auto
Ann - September 24, 2024
Verified

Poor Review of Mile Auto

I was hoping to save money by switching to Mile Auto. While the first two months did that, the third month my premiums went back to nearly what I had been paying with GEICO. So, I am very displeased.

Carl - September 17, 2024
Verified

Excellent

Worth every penny, excellent.

Best - September 16, 2024
Verified

Tolerable Until Better

It's okay, but I expected it to be cheaper.

Best insurer for drivers with a DUI: Sun Coast

Compare personalized, real-time quotes
User Reviews
3.0
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.
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.

Pros
  • Flexible billing options

  • Low down payments possible

Cons
  • Doesn't offer home or life policies

  • No mobile app

Read more driver reviews of Sun Coast
Marylou - September 9, 2024
Verified

Surprise!

Sun Coast is by far the best insurance I have found. The rates are awesome.

Patricia - August 14, 2024
Verified

Great so far

Excellent

Tiffany - August 12, 2024
Verified

Unpleasant Experience

The experience was terrible. I was quoted a price but wasn't informed that I needed to submit proof of my degree. I wasn't given any time to submit it before my rate was increased. My payment didn't come out of my direct deposit on time due to their mistake, which resulted in an increased rate. I'm on a fixed income, so this was a terrible experience. Now, I have no insurance.

Best insurer for drivers with a speeding ticket: Clearcover

Compare personalized, real-time quotes
User Reviews
3.0
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.
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.
$94/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.
$179/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.

Pros
  • Speedy claims process

  • Mobile app for policy management

Cons
  • Few discounts

  • No bundling available

Read more driver reviews of Clearcover
Brent - September 23, 2024
Verified

Experience with Clearcover

There is no personal contact. You must use an automated system.

Samuel - September 13, 2024
Verified

They'll Drop You Unexpectedly

They cancelled our policy because my wife, who isn't even the primary insured and is 30 years old, has had her license for less than 3 years. She has never had an accident, claim, or citation.

Joseph - September 7, 2024
Verified

Excellent

Excellent

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

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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ProgressiveLiberty MutualAllstate

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: Sunday, September 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: Sunday, September 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.

Cheapest recent rates near Oakland, California

Recent Oakland, California car insurance prices for Tesla, KIA, Toyota , and more.

*Quotes generated for Insurify users in and around Oakland, California within the last 10 days. Last updated on October 3, 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 October 3, 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 October 3, 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 October 3, 2024. 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers 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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $82 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $203 for liability coverage and $405 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto$66$85
Sun Coast$82$108
Mercury$103$138
Anchor$109$136
USAA$127$158
National General$143$179
GEICO$169$211
Direct Auto$170$212
Allstate$175$218
Farmers$179$222
State Farm$195$241
Travelers$205$258
21st Century$222$287
Bristol West$244$305
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 $188 per month, and full-coverage policies cost $376 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With Accident
Mile Auto$66$86
Sun Coast$82$100
Mercury$103$137
Anchor$109$145
USAA$127$157
National General$143$178
GEICO$169$210
Direct Auto$170$215
Allstate$175$217
Farmers$179$220
State Farm$195$240
Travelers$205$256
21st Century$222$282
Bristol West$244$300
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 $219 for liability coverage. Full-coverage policies increase to an average of $437 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Clean Driving Record
With DUI
Mile Auto$66$101
Sun Coast$82$116
Mercury$103$143
Anchor$109$149
USAA$127$195
National General$143$219
GEICO$169$259
Direct Auto$170$261
Allstate$175$268
Farmers$179$274
State Farm$195$299
Travelers$205$314
21st Century$222$340
Bristol West$244$374
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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Mile Auto$52$95
Sun Coast$73$215
Mercury$83$155
Anchor$87$205
USAA$106$218
National General$115$280
Direct Auto$138$326
GEICO$140$290
Allstate$146$302
Farmers$146$302
State Farm$158$327
Travelers$167$344
21st Century$173$358
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 $465 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: Sunday, September 1 at 12:00 PM PDT
Insurance Company
Liability Only
Full Coverage
Mile Auto$120$220
Sun Coast$124$363
Mercury$173$322
Anchor$174$408
USAA$197$406
GEICO$248$512
National General$265$646
Allstate$288$595
Direct Auto$289$682
Farmers$292$606
State Farm$309$639
Travelers$345$711
21st Century$348$720
Bristol West$383$717
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.
Keep Reading: Car Insurance Rates by Age and Gender

Keep Reading: Car Insurance Rates by Age and Gender

Find Car Insurance in Oakland

Check quotes from 100+ top insurance companies

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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 $211 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.

City
Full Coverage
Liability Only
Bakersfield$256$117
Fresno$252$128
Los Angeles$369$203
Modesto$290$133
Riverside$280$141
Sacramento$310$140
San Diego$252$120
San Francisco$338$150
San Jose$276$128
Stockton$303$128
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.

Sources

  1. California Department of Motor Vehicles. "Insurance Requirements."
  2. California Legislative Information. "SB-1107 Vehicles: insurance."
  3. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. University of California, Berkeley. "Transportation Injury Mapping System."
  6. Federal Trade Commission. "Credit-Based Insurance Scores."
Jacqueline DeMarco
Jacqueline DeMarco

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 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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Mark Friedlander
Reviewed byMark FriedlanderDirector, Corporate Communications, Triple-I
Mark Friedlander
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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