Cheap Quotes for Oakland, CA Car Insurance (2021)

Oakland, California car insurance rates average $356 a month and California law requires coverage of at least 15/30/5. By comparing rates from multiple Oakland, CA companies, you can find cheap Oakland car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things 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
  • Average car insurance rates in Oakland, CA are $356/month

How do the Oakland, California monthly average car insurance rates of $356/month compare to nearby cities like Bakersfield car insurance rates, Sacramento car insurance rates, and Fresno car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Oakland, CA.

We’ll cover the California minimum coverage requirements, California car insurance laws, and Oakland, CA statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Oakland, California companies to find the most affordable Oakland car insurance rates.

Enter your ZIP code above to find cheap Oakland, CA car insurance quotes today.

What are the minimum Oakland, CA car insurance requirements?

To meet California minimum car insurance coverage requirements, Oakland, CA drivers need to carry at least 15/30/5 coverage.

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

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Average Oakland, CA Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Oakland, CA you can see that rates will vary by ZIP code.

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

How do age, gender, and marital status affect Oakland, CA car insurance rates?

Three of the criteria that most affect car insurance rates in Oakland, California are age, gender, and marital status. Let’s take a look at how each of these stack up with top Oakland car insurance companies.

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

How much do teen drivers pay for car insurance in Oakland, CA?

Oakland, California car insurance rates for teens are often higher than rates for other drivers. Compare Oakland car insurance rates from multiple Oakland, California car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in Oakland, CA?

With a little research, seniors can find affordable car insurance in Oakland, California. Here’s a look at how the top Oakland car insurance companies stack up.

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

How does coverage level affect Oakland, CA car insurance rates?

How much coverage do you need? Are you comfortable with the California minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Oakland, CA car insurance rates will be. Let’s take a look.

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

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How does your driving record affect Oakland, CA car insurance rates?

Safe driving pays off. The more traffic violations you have in Oakland, CA, the higher your car insurance rates will be. Compare rates based on driving infractions from top Oakland, California 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

How does a DUI affect Oakland, CA car insurance rates?

With even one DUI on your record, you can see an increase in your Oakland, CA car insurance rates.

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

How does your commute affect Oakland, CA car insurance rates?

Oakland, CA car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for California can be seen here. Remember, though, that you may have to carry substantially more car insurance in Oakland if you’re financing.

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

Who has the cheapest Oakland, CA car insurance rates?

Here’s a breakdown of Oakland, California car insurance rates by company. You can see which company offers the cheapest Oakland car insurance rates in each category.

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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What are the top Oakland, CA car insurance companies?

Which Oakland, California car insurance company will best fit your needs and budget? Check out this comparison of the top Oakland companies to find the one for you.

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

What factors affect Oakland, CA car insurance rates?

Why are Oakland, California car insurance rates different than rates in Bakersfield or Sacramento? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Oakland, CA?

FBI statistics show that the Oakland, California car theft rate is 5,071 thefts each year. High theft rates can lead to higher than average Oakland, CA car insurance rates.

How long is the average commute in Oakland, CA?

More time spent behind the wheel can lead to higher Oakland, California car insurance rates. In Oakland, CA, the average commute length is 33.4 minutes.

Car Insurance Quotes for Oakland, CA

Shop for affordable Oakland, California car insurance rates today. Enter your ZIP code to compare quotes from multiple Oakland, CA car insurance companies.

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