Compare Oakley, CA Car Insurance Rates (2021)

Car insurance in Oakley, CA averages $312 a month. Oakley, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Oakley car insurance rates, compare quotes from the top car insurance companies in Oakley, 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 Oakley, CA are $3,740/year
  • Average car insurance rates in Oakley, CA after a DUI are $5,263/year
  • The cheapest car insurance company in Oakley for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Oakley, CA car insurance rates? Every Oakley, 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 Oakley, 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 $2,863 $2,869 $2,084 $2,107 $7,898 $9,946 $3,672 $4,049
Farmers $2,662 $2,662 $2,400 $2,400 $8,471 $13,883 $3,153 $3,510
GEICO $1,715 $1,716 $1,614 $1,614 $5,221 $5,310 $2,463 $2,518
Liberty Mutual $2,252 $2,135 $2,091 $2,028 $4,926 $5,236 $2,542 $2,559
Nationwide $3,317 $3,167 $2,895 $2,730 $8,448 $9,319 $3,972 $3,928
Progressive $1,912 $1,968 $1,628 $1,932 $5,137 $6,191 $2,763 $2,972
State Farm $3,647 $3,647 $3,259 $3,259 $6,712 $8,304 $4,041 $4,170
Travelers $2,603 $2,521 $2,300 $2,274 $5,391 $6,198 $3,403 $3,326
USAA $1,912 $1,810 $1,867 $1,873 $4,345 $4,380 $2,651 $2,504

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Minimum Car Insurance in Oakley, CA

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

Minimum Required Car Insurance Coverage in Oakley, 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 Oakley, 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 Oakley, CA to rates for a clean record with top companies.

Annual Oakley, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,671 $4,499 $7,067 $3,507
Farmers $3,616 $4,926 $6,138 $4,892
GEICO $1,939 $2,990 $3,753 $2,405
Liberty Mutual $2,579 $3,456 $3,117 $2,732
Nationwide $3,294 $4,223 $7,148 $4,223
Progressive $2,002 $3,410 $3,954 $2,886
State Farm $3,304 $3,940 $7,442 $3,834
Travelers $2,329 $3,807 $4,435 $3,436
USAA $1,773 $2,640 $4,316 $1,942

Cheapest Oakley, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oakley, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,898 $9,946
Farmers $8,471 $13,883
GEICO $5,221 $5,310
Liberty Mutual $4,926 $5,236
Nationwide $8,448 $9,319
Progressive $5,137 $6,191
State Farm $6,712 $8,304
Travelers $5,391 $6,198
USAA $4,345 $4,380

Cheapest Oakley, CA Car Insurance for Seniors

Take a look at Oakley, 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 Oakley, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,084 $2,107
Farmers $2,400 $2,400
GEICO $1,614 $1,614
Liberty Mutual $2,091 $2,028
Nationwide $2,895 $2,730
Progressive $1,628 $1,932
State Farm $3,259 $3,259
Travelers $2,300 $2,274
USAA $1,867 $1,873

Cheapest Oakley, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oakley, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,067
Farmers $6,138
GEICO $3,753
Liberty Mutual $3,117
Nationwide $7,148
Progressive $3,954
State Farm $7,442
Travelers $4,435
USAA $4,316

Cheapest Oakley, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oakley, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,998 $4,874
Farmers $4,440 $5,346
GEICO $2,517 $3,025
Liberty Mutual $2,729 $3,213
Nationwide $4,170 $5,274
Progressive $2,778 $3,348
State Farm $4,464 $4,796
Travelers $3,147 $3,857
USAA $2,460 $2,875

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The Best Cheap Car Insurance Companies in Oakley, CA

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

Average Annual Car Insurance Rates by Company in Oakley, California

Insurance Company Average Annual Rates
Allstate $4,436
Farmers $4,893
GEICO $2,771
Liberty Mutual $2,971
Nationwide $4,722
Progressive $3,063
State Farm $4,630
Travelers $3,502
USAA $2,668

Category Winners: Cheapest Car Insurance in Oakley, California

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

Best Annual Car Insurance Rates by Company in Oakley, California

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

Cheapest Oakley, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Oakley, California

Insurance Company Low Medium High
Allstate $4,200 $4,474 $4,634
Farmers $4,558 $4,929 $5,192
GEICO $2,539 $2,803 $2,973
Liberty Mutual $2,776 $2,999 $3,139
Nationwide $4,260 $4,806 $5,100
Progressive $2,738 $3,157 $3,293
State Farm $4,221 $4,702 $4,967
Travelers $3,076 $3,592 $3,838
USAA $2,431 $2,718 $2,855

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What affects car insurance rates in Oakley, California?

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

Car Theft in Oakley

High levels of vehicle theft can make car insurance more expensive. Oakley, CA car theft statistics from the FBI indicate 95 vehicle thefts a year.

Commute Time in Oakley

The more time you spend in your car the higher the risk of an accident. The average commute length in Oakley, CA is 44.0 minutes according to City-Data.

Compare Car Insurance Quotes in Oakley, CA

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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