Buy Cheap Oakland, CA Auto Insurance (2021)

Oakland, CA auto insurance rates average $356 a month. Minimum auto insurance requirements in Oakland, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Oakland, CA, compare Oakland auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Oakland after a DUI is Nationwide
  • The most expensive auto insurance company in Oakland is Farmers
  • Average auto insurance rates in Oakland, CA after a DUI are $5,995/year

Finding affordable Oakland, California auto insurance can be challenging, but everything you need to know to buy cheap Oakland, CA auto insurance with confidence is right here. Auto insurance rates in Oakland are affected by local factors as well as personal ones like your driving record.

See how Oakland, CA car insurance rates compare to Bakersfield auto insurance rates, Fresno auto insurance rates, and Long Beach auto insurance rates before you read more about the cost of auto insurance in Oakland.

Don’t buy Oakland, CA auto insurance until you’ve compared rates. Get free Oakland, California auto insurance quotes when you enter your ZIP code above.

Oakland, CA Minimum Auto Insurance Requirements

The required auto insurance in Oakland, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Oakland, California is outlined here.

Minimum Required Auto 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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Buy Cheap Oakland, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Oakland, California auto insurance rates? Find out how car insurance rates in Oakland, CA are impacted by demographics.

Annual Auto 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

Buy Cheap Oakland, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Oakland can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Oakland, CA are listed here.

Annual Auto 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

Buy Cheap Oakland, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Oakland, California by comparing Oakland senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Oakland, CA here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Oakland, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Oakland, California auto insurance. Compare Oakland, CA auto insurance rates by coverage level.

Annual Auto 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

Find Cheap Oakland, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Oakland. Compare auto insurance rates in Oakland, CA by commute length to see how your daily commute impacts your rates.

Annual Auto 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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Find Cheap Oakland, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Oakland, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Oakland, CA to see how much where you live in Oakland affects the cost of car insurance.

Annual Auto 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

Find Cheap Oakland, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Oakland, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Oakland, CA, take a look at the average cost for various violations versus rates for a clean driving record in Oakland.

Annual Oakland, California Auto 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

Find Cheap Oakland, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Oakland, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Oakland for less when you shop around and compare rates from multiple Oakland, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Oakland, California

Insurance Company Annual Auto 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

Winners by Category: Where to Buy Cheap Auto Insurance in Oakland, CA

Compare rates from the cheapest auto insurance companies in Oakland, CA for your needs. Take a look at how Oakland, California auto insurance companies stack up for each category.

Best Annual Auto 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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Find Cheap Oakland, California Auto Insurance Companies

If you’re looking for the cheapest Oakland, CA auto insurance companies overall, you can compare them here. Find the best price for Oakland, California car insurance by company.

Average Annual Auto 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 affects Oakland, California auto insurance rates?

Local factors affect auto insurance rates in Oakland, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Oakland auto insurance rates.

Auto Theft in Oakland

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Oakland, CA auto theft show a total of 5,071 vehicle thefts annually.

Commute Times in Oakland

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Oakland, CA is 33.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Oakland, CA

You can buy cheap Oakland, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Oakland, California auto insurance quotes from top companies.

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