Compare Oakland, CA Car Insurance Rates (2021)

Car insurance in Oakland, CA averages $356 a month. Oakland, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Oakland car insurance rates, compare quotes from the top car insurance companies in Oakland, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Oakland, CA after a DUI are $5,995/year
  • The cheapest car insurance company in Oakland is USAA
  • The cheapest ZIP code in Oakland is 94618

If you need to buy Oakland, California car insurance, the options can be confusing. Everything you need to know about car insurance in Oakland, CA is right here.

You’ll find Oakland car insurance rates, the cheapest Oakland, CA car insurance companies, and information on California car insurance laws. You can also compare Oakland, California car insurance rates to Bakersfield car insurance rates, San Jose car insurance rates, and San Francisco car insurance rates.

Ready to find affordable Oakland, CA car insurance today? Enter your ZIP code for fast, free Oakland car insurance quotes.

Cheapest Oakland, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Oakland, CA car insurance rates? Every Oakland, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Oakland, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,210 $3,219 $2,330 $2,362 $8,910 $11,233 $4,146 $4,587
Farmers $3,373 $3,373 $3,033 $3,033 $10,825 $17,849 $4,003 $4,462
GEICO $1,987 $1,989 $1,870 $1,870 $6,040 $6,158 $2,853 $2,925
Liberty Mutual $2,630 $2,498 $2,439 $2,367 $5,844 $6,178 $2,981 $2,989
Nationwide $3,858 $3,684 $3,357 $3,165 $9,857 $10,871 $4,627 $4,581
Progressive $1,975 $2,033 $1,669 $1,987 $5,254 $6,343 $2,847 $3,062
State Farm $3,825 $3,825 $3,415 $3,415 $6,993 $8,662 $4,233 $4,367
Travelers $2,947 $2,854 $2,594 $2,564 $6,129 $7,084 $3,866 $3,786
USAA $2,158 $2,045 $2,104 $2,115 $4,920 $4,968 $3,006 $2,842

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Minimum Car Insurance in Oakland, CA

Every driver must carry the minimum car insurance in Oakland, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Oakland, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Oakland, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Oakland, CA to rates for a clean record with top companies.

Annual Oakland, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,998 $5,085 $7,970 $3,946
Farmers $4,608 $6,282 $7,841 $6,245
GEICO $2,248 $3,458 $4,350 $2,789
Liberty Mutual $3,031 $4,062 $3,660 $3,210
Nationwide $3,833 $4,915 $8,338 $4,915
Progressive $2,059 $3,499 $4,057 $2,970
State Farm $3,451 $4,118 $7,790 $4,007
Travelers $2,638 $4,316 $5,057 $3,901
USAA $2,003 $2,987 $4,893 $2,196

Cheapest Oakland, CA Car Insurance for Teen Drivers

Teen car insurance in Oakland, CA can be expensive. Take a look at rates from the top car insurance companies in Oakland for teenagers.

Annual Car Insurance Rates for Teen Drivers in Oakland, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,910 $11,233
Farmers $10,825 $17,849
GEICO $6,040 $6,158
Liberty Mutual $5,844 $6,178
Nationwide $9,857 $10,871
Progressive $5,254 $6,343
State Farm $6,993 $8,662
Travelers $6,129 $7,084
USAA $4,920 $4,968

Cheapest Oakland, CA Car Insurance for Seniors

Take a look at Oakland, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Oakland, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,362
Farmers $3,033 $3,033
GEICO $1,870 $1,870
Liberty Mutual $2,439 $2,367
Nationwide $3,357 $3,165
Progressive $1,669 $1,987
State Farm $3,415 $3,415
Travelers $2,594 $2,564
USAA $2,104 $2,115

Cheapest Oakland, CA Car Insurance Rates After a DUI

A DUI in Oakland, CA increases car insurance rates. Compare Oakland, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Oakland, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,970
Farmers $7,841
GEICO $4,350
Liberty Mutual $3,660
Nationwide $8,338
Progressive $4,057
State Farm $7,790
Travelers $5,057
USAA $4,893

Cheapest Oakland, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Oakland, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Oakland, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,509 $5,490
Farmers $5,666 $6,822
GEICO $2,918 $3,505
Liberty Mutual $3,205 $3,776
Nationwide $4,853 $6,146
Progressive $2,853 $3,440
State Farm $4,667 $5,016
Travelers $3,567 $4,389
USAA $2,784 $3,255

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Cheapest Oakland, CA Car Insurance Rates by ZIP Code

Oakland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Oakland, CA.

Annual Car Insurance Rates by ZIP Code in Oakland, California

ZIP Code Average Annual Rates
94601 $6,366
94602 $5,444
94603 $6,273
94605 $5,769
94606 $6,310
94607 $6,384
94608 $5,901
94609 $5,494
94610 $5,230
94611 $5,189
94612 $6,372
94613 $6,022
94615 $5,914
94617 $5,792
94618 $4,883
94619 $5,651
94621 $6,573

The Best Cheap Car Insurance Companies in Oakland, CA

Take a look at a side-by-side comparison of the top car insurance companies in Oakland, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Oakland, California

Insurance Company Average Annual Rates
Allstate $5,000
Farmers $6,244
GEICO $3,211
Liberty Mutual $3,491
Nationwide $5,500
Progressive $3,146
State Farm $4,842
Travelers $3,978
USAA $3,020

Category Winners: Cheapest Car Insurance in Oakland, California

Find the cheapest car insurance companies in Oakland, CA for each category right here.

Best Annual Car Insurance Rates by Company in Oakland, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Oakland, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Oakland car insurance rates. Find the cheapest Oakland, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Oakland, California

Insurance Company Low Medium High
Allstate $4,754 $5,040 $5,205
Farmers $5,857 $6,288 $6,587
GEICO $2,963 $3,244 $3,427
Liberty Mutual $3,280 $3,520 $3,672
Nationwide $4,981 $5,597 $5,922
Progressive $2,835 $3,239 $3,366
State Farm $4,422 $4,914 $5,189
Travelers $3,523 $4,079 $4,332
USAA $2,768 $3,073 $3,219

What affects car insurance rates in Oakland, California?

What factors can have an impact on Oakland, CA car insurance? There are several reasons why Oakland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Oakland, California.

Car Theft in Oakland

High levels of vehicle theft can make car insurance more expensive. Oakland, CA car theft statistics from the FBI indicate 5,071 vehicle thefts a year.

Commute Time in Oakland

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakland, CA is 33.4 minutes according to City-Data.

Compare Car Insurance Quotes in Oakland, CA

Ready to find affordable Oakland, California car insurance today? Enter your ZIP code for fast, free Oakland, CA car insurance quotes.

Free Car Insurance Comparison

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