Cheap Auto Insurance Quotes in Oakland, CA (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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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Cheapest Car Insurance in Oakland, CA

Here are the cheapest carriers in Oakland for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Oakland. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Oakland, CA Driving Facts

Minimum Car Insurance Requirements in CA

California effected a number of new traffic laws for 2018, including legislation on DUI policies for rideshare service drivers, seat belts on public transport, and smoking or ingesting cannabis in moving vehicles. Most significantly, a change in the California Department of Motor Vehicle's road rehabilitation and maintenance program signals that registration or renewed registration of a motor vehicle will now come with a fee of $25 to $175.

California's minimum liability car insurance limits are as follows:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident
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.

Driver's AgeAvg. Monthly Cost
teens$599
20s$330
30s$235
40s$177
50s$235
60s$213
70s$199
80s$147
Driving HistoryAvg. Monthly Cost
No Violation$238
Speeding Ticket$308
At-Fault Accident$308
Failure to Stop for Red Light / Stop Sign$364

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.

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.

Credit TieAvg. Monthly Cost
Excellent$253
Good$332
Average$252
Poor$145

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.

Conclusion: 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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Oakland stacks up for the state of California:

honda
Honda Accord
Most Popular Car in
Oakland, CA
suspended licenses
#97
Cities with Most
Suspended Licenses Rank

FAQs - Oakland, CA Car Insurance

What is comprehensive insurance?

If your car is stolen or damaged in an incident that is not a collision, comprehensive insurance can help pay to fix or replace your vehicle. Someone key your car? Comprehensive insurance. Hit and run? Comprehensive can cover that too. Comprehensive also covers damages from events like fires and floods (events also referred to as “acts of God”). Riots and run-ins with an animal are also covered under comprehensive insurance.

I can’t get auto insurance in California. What do I do?

Most companies don’t turn down new business—except for when it comes to insurance companies. If you have had several accidents, speeding tickets, or even a DUI, you may just be too high of a risk to insure. While It’s legal for insurance companies to deny you coverage based on your high-risk status, you still need insurance to drive. The California Automobile Assigned Risk Plan (CAARP) is a program that ensures that high-risk drivers have access to the liability insurance they need to drive legally, and payments can be made using an installment plan. For more information, call CAARP at 1 (800) 622-0954.

What is the Negligent Operator Treatment System (NOTS)?

Most states have point systems in place to identify and penalize drivers who break road-related rules. A speeding ticket, for example, will earn you so many points on your driving record. In California, an individual’s collisions and traffic convictions are tracked by a points system called NOTS. California drivers can also earn NOTS points for accidents and infractions that happen while outside the state. Depending on how many NOTS points you collect over a certain period of time, your license can be suspended. Additional points and even license revocation can occur if you have accidents or fail to follow strict NOTS guidelines.