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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.
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.
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.
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 Companies | Quotes | |
|---|---|---|
 Clearcover | $155/mo | |
 Mercury | $201/mo | |
 Travelers | $150/mo | |
 21st Century | $152/mo | |
 National General | $222/mo |
California Cities | |
|---|---|
| Los Angeles | $149/mo |
| San Diego | $100/mo |
| San Jose | $100/mo |
| San Francisco | $132/mo |
| Oakland | $121/mo |
| California | $120/mo |
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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:
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 Age | Avg. Monthly Cost |
|---|---|
| teens | $599 |
| 20s | $330 |
| 30s | $235 |
| 40s | $177 |
| 50s | $235 |
| 60s | $213 |
| 70s | $199 |
| 80s | $147 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $238 |
| Speeding Ticket | $308 |
| At-Fault Accident | $308 |
| Failure to Stop for Red Light / Stop Sign | $364 |
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.
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 Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $253 |
| Good | $332 |
| Average | $252 |
| Poor | $145 |
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.
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.
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.
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:
