Oakland, CA, Car Insurance

The average Oakland car insurance rates are $95.25/mo. Oakland car insurance must meet the California minimum requirements of 15/30/5 of bodily injury and property coverage.

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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 1, 2020

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Here's what you should know...

  • Oakland residents are required to carry a minimum insurance policy of 15/30/5
  • The average car insurance cost in Oakland is $1,143 per year
  • Major carriers like Geico, Esurance, Progressive, and Allstate service Oakland

If you’re from Oakland, you’re going to have to find car insurance. Oakland residents can compare auto insurance quotes today for FREE with our quote comparison tool.

Just enter your ZIP code in the above box now!

About Oakland, California

Oakland is one of the largest cities in California in addition to being one of the largest port cities in the state.

Famous for its sports teams, annual street fairs, and music industry, Oakland is home to Berkley and Oakmore.

You’ll find Lake Meritt, which is the biggest urban saltwater lake in the United States. Over fifty distinct neighborhoods make up Oakland and there is a sharp divide between the upper and lower classes.

High unemployment and violent crime are common in Oakland. Earthquakes are also a problem in this area, and your Oakland city car insurance rates will reflect this.

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Oakland Car Insurance Requirements

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When you go to purchase Oakland car insurance, you will discover that there are certain minimum car insurance requirements that must be met.

According to state laws, you must have a minimum of $15,000 of bodily injury coverage per person and $30,000 per accident.

In the event you are in an accident, and more than two people are involved or their expenses come to more than $30,000, you will be responsible for the rest.

Property damage liability must also be maintained in your Oakland car insurance policy. This portion of your policy pays for any damage caused to other cars as a result of your actions.

You must maintain a minimum of $5,000 in this third party property liability coverage. Anything over this will be your responsibility.

In December of 2007, California passed a state law which requires insurance companies to provide a cost estimate for personal auto policies.

When you go to purchase Oakland car insurance, the agent will provide you with this estimate which details the policy you are eligible for at the limits you request.

When you do choose to purchase a policy, a declaration page must also be included in Oakland and throughout the state. This page is where you will find your rights and duties as the owner of the policy.

Average Oakland Rates

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Many factors will be taken into consideration when determining the premium you will pay for auto insurance.

Oakland’s city car insurance rates take into account the risk you pose when behind the wheel which is calculated using statistics gathered over a period of time.

Your marital status, age, and sex also play a role. For this reason, your rates can change significantly over time and from company to company.

For this reason, comparison shopping for cheap auto insurance with our free zip code search is a must for any driver looking to get a good deal on his or her insurance premium.

Due to Proposition 103, which was passed in California in 2006, auto insurers are no longer able to take the zip code in which you live into consideration when determining your auto insurance premium.

This is helpful to those living in Oakland as the high rate of vehicle theft will not be taken into consideration.

As a result of this being passed, your premiums will now only look at your driving record, the number of miles you drive on average, and driving experience along with age, sex, credit history and marital status.

The average Oakland city car insurance rates run approximately $1,143 which is close to the national average auto insurance rates.

When you work this out to a monthly premium, you will pay $95.25 a month for twelve months.

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Car Insurance Statistics for Oakland

Oakland has approximately 56 square miles of land mass and is home to 409,189 people. There were 32 fatal accidents for the year 2008 with 50 cars involved in these accidents.

Ninety-nine people were involved and 15 were attributed to driving under the influence or driving while intoxicated. The average commute time for this area is 31.1 minutes and your Oakland car insurance will take this into account.

Approximately 6,270 vehicles were reported stolen in this city for the year 2009 which places this city in the top ten in terms of vehicle theft rate for the country.

In this state, the Toyota Camry is the car most frequently stolen with the Honda Accord and Honda Civic in the second and third spot. If you choose to purchase anti-theft devices, your Oakland car insurance rates may go down.

Things you may wish to purchase to receive a discount of this type include an ignition kill switch, a visible steering wheel lock or an armored collar for the steering column. Some insurers will also provide a discount if you install a fuel kill switch, gearshift locks or a vehicle tracking device.

Where you park your car at night will also affect your Oakland car insurance rates. Ask your insurance agent which anti-theft devices you may receive a discount for when comparing car insurance companies.

To further reduce your Oakland car insurance rates, ask your insurer which safety car insurance discounts they offers. For many insurers, airbags, and automatic seat belts may lead to a reduction in rates.

The same is true of anti-lock brakes or things of that nature. This differs from insurance company to insurance company so be sure to ask each one you are comparing what discounts they offer when it comes to safety devices.

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Comparing Insurance for Oakland Drivers

Oakland residents should compare quotes for car insurance on a yearly basis. By doing so, you can ensure your Oakland car insurance rates are the lowest you can obtain.

If you are paying the same rate you were last year or the year before, it is time to find out why. Oakland car insurance comparison shopping is easy.

Be sure to look at what each policy covers as you don’t want to have an accident only to find you have to pay out of pocket.

Once you have comparable policies, see the premiums for each. You may be surprised at how much they differ from company to company.

Your credit history also comes into play when a company calculates your Oakland car insurance premium. If at all possible, pay off old bills and clear up your report.

Those with a lower credit score historically file more claims than those with higher credit scores. For this reason, insurance companies charge more.

Your credit report may differ between the three major credit reporting agencies, and your premium will most likely be lowest with the company who pulls up the cleanest credit report.

Do this annually also so you always get the best rates. You have better things to spend your money on.

Compare car insurance quotes today for FREE with our quote comparison tool by entering your ZIP code now!

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