Car Insurance in Oakland
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Car Insurance in Oakland, CA
From Jack London Square on the waterfront to the Fox Theater, Oakland has something for everyone. This isn't a surprise, given Oakland's reputation for vibrant diversity, which you can see as you drive from one neighborhood to the next. Finding the right car coverage in Oakland can help you enjoy the ride a little more.
Driving in Oakland is similar to driving in many of California's big cities since it follows the state's traffic code. You want to watch for pedestrians at busy intersections and be mindful of parking schedules. And you don't want to be towed because you just happened to park in a space during the two-hour window set aside for street-sweeping in California's eighth-largest city.
When you compare car insurance quotes in Oakland, you'll realize quickly that all quotes are not equal. Car coverage in Oakland may vary based on your age, driving record, and where you live. This site helps you compare quotes to find the cheapest car insurance in Oakland.
How much is car insurance in Oakland, CA?
The overall expense of car insurance in Oakland largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Oakland?
Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in Oakland:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Dodge Grand Caravan | $200 |
| 2 | Subaru Forester | $212 |
| 3 | Honda Cr-V | $212 |
| 4 | Honda Odyssey | $222 |
| 5 | Kia Sedona | $224 |
| 6 | Toyota Rav4 | $225 |
| 7 | Toyota Corolla | $227 |
| 8 | Kia Sol | $227 |
| 9 | Ford F-150 | $231 |
| 10 | Toyota Tacoma | $234 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in Oakland, listed from the least impactful to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| No Claims or Violations | $225 | - |
| Not at-fault Accident | $225 | 0% |
| Driving with expired registration | $324 | +44% |
| Speeding Ticket | $328 | +46% |
| At-fault Accident | $389 | +73% |
| Driving with a suspended license | $542 | +141% |
| Hit and Run | $580 | +158% |
| DUI | $590 | +162% |
What car insurance discounts can I get in Oakland?
In Oakland, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Low Mileage | $167 | +$58 |
| Multi-Policy Home | $200 | +$25 |
| Multi-Policy Renters | $214 | +$11 |
| Renewal discount | $217 | +$8 |
| Paperless | $225 | $0 |
| Paid in Full | $225 | $0 |
| Electronic Funds Transfer | $225 | $0 |
| None | $225 | - |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.