Cheapest Car Insurance Quotes in Oakland

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Oakland Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Oakland

The car insurance rate in Oakland is $1193 for a six-month policy, which is $182 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Oakland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Oakland

$1193

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Oakland

1st place: CSAA

At $758 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $961 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1016 for six months, making it the third cheapest auto insurance company in Oakland.

Oakland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Oakland, CA is CSAA, offering policies at just $758 for a six-month term. This is followed by USAA, which has an average six-month premium of $961.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $911 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Oakland drivers find the best deals.

Cheap Car Insurance Companies in Oakland, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$758	$127
USAA	$961	$162
Mercury	$1016	$171
AAA SoCal	$1114	$190
Progressive	$1171	$197
Allstate	$1283	$216
Wawanesa	$1290	$217
AAA NorCal	$1304	$222
Auto Club	$1345	$224
State Farm	$1423	$240
AAA	$1619	$270
Kemper	$1676	$284
Farmers	$1871	$312
Capital Insurance Group	$834	$139
National General	$848	$144
State National	$863	$144
Hartford	$911	$155

Key Takeaways

Way's key takeaways about car insurance in Oakland

The auto insurance costs in Oakland fall around $758 for six months.
The cheapest auto insurance company in Oakland is CSAA.
Teen drivers pay the highest rate in Oakland at $79 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Oakland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Oakland are given below.

CSAA provides the cheapest minimum car insurance coverage in Oakland. Their Average 6 Month Premium is $182. 21st Century is the most expensive at $477 for the same period.

Cheapest Liability Coverage in Oakland, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$182	$31
AAA	$322	$54
USAA	$336	$57
AAA NorCal	$350	$59
AAA SoCal	$400	$68
Progressive	$407	$68
Auto Club	$413	$71
State Farm	$427	$72
Wawanesa	$434	$73
Mercury	$463	$78
Allstate	$498	$84
Farmers	$596	$99
Kemper	$329	$55
Capital Insurance Group	$358	$61
State National	$379	$65
National General	$470	$78
21st Century	$477	$81

Cheapest Full Coverage Car Insurance in Oakland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Oakland is CSAA at $127 per month and $758 for six months.

Cheapest Full Coverage Car Insurance Quotes in Oakland, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$758	$127
USAA	$961	$162
Mercury	$1016	$171
AAA SoCal	$1114	$190
Progressive	$1171	$197
Allstate	$1283	$216
Wawanesa	$1290	$217
AAA NorCal	$1304	$222
Auto Club	$1345	$224
State Farm	$1423	$240
AAA	$1619	$270
Kemper	$1676	$284
Farmers	$1871	$312
Capital Insurance Group	$834	$139
National General	$848	$144
State National	$863	$144
Hartford	$911	$155

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Average Car Insurance in Oakland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Oakland, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Oakland, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Oakland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Oakland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$690
30s	Wawanesa	$557
40s	Wawanesa	$557
50s	Wawanesa	$557
60s	Wawanesa	$557
70s	Wawanesa	$545

Cheapest Car Insurance Rates for Teen Drivers in Oakland,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Oakland at $46 per month. At $463 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$274	$46
Capital Insurance Group	$617	$103
USAA	$1471	$248
Mercury	$1493	$251
Wawanesa	$1640	$278
Progressive	$1717	$289
CSAA	$2067	$348
State Farm	$2453	$413
AAA SoCal	$2656	$452
Allstate	$2846	$479
Auto Club	$3035	$516
AAA NorCal	$4044	$674
Farmers	$4129	$702
State National	$441	$73
Marcury	$463	$79

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Oakland.

As young drivers face the highest rates in Oakland, Wawanesa offers the cheapest auto insurance rates at $690 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Oakland.

Car Insurance Rates with An Accident in Oakland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Oakland, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

The cheapest car insurance companies after an at-fault accident in Oakland include AAA and Capital Insurance Group, offering $448 and $644, respectively. 21st Century is an expensive provider with an average six-month premium of $806.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$448	$76
Capital Insurance Group	$644	$110
CSAA	$863	$145
USAA	$1290	$217
Progressive	$1493	$251
Mercury	$1584	$269
Wawanesa	$1822	$303
AAA SoCal	$1914	$326
Auto Club	$2019	$336
Farmers	$2074	$349
State Farm	$2467	$415
AAA NorCal	$2642	$450
Allstate	$3175	$535
State National	$532	$89
Hartford	$617	$105
National General	$708	$118
Nationwide	$763	$130
21st Century	$806	$135

Oakland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Oakland CA. For example, the car insurance in Oakland after a DUI increases to $2053 for a six month policy. While the rate increases by $539 for a six-month policy in the case of a speeding ticket.

Oakland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1283	$214
Not-at-fault accident	$1283	$218
One comp claim	$1283	$214
One Med/PIP claim	$1283	$218
Two comp claims	$1283	$214
Two Med/PIP claims	$1283	$218
At-fault accident - less than $1000	$1311	$218
Failure to show documents	$1690	$287
Driving with expired registration	$1724	$288
Driving without lights	$1724	$293
Failure to wear a seat belt	$1731	$289
Child safety restraint	$1745	$296
Speeding 11 - 15 MPH over limit	$1815	$302
Speeding 16 - 20 MPH over limit	$1815	$309
Driving too slowly	$1822	$303
Failure to stop at a red light	$1822	$310
Failure to yield	$1822	$303
Following too closely	$1822	$310
Illegal turn	$1822	$303
In 65 MPH zone	$1822	$310
Speeding 21 - 25 MPH over limit	$1822	$303
Speeding 6 - 10 MPH over limit	$1822	$310
Speeding in school zone	$1822	$303
Improper passing	$1829	$312
Cell phone violation	$1836	$306
Texting while driving	$1836	$313
Passing school bus	$1857	$309
Wrong way/wrong lane	$2172	$369
Operating a vehicle without permission	$2222	$371
At-fault accident - $1000-$2000	$2236	$380
At-fault accident - greater than $2000	$2236	$373
Open container	$2243	$381
Driving with a suspended license	$2601	$433
Reckless driving	$3168	$539
Racing	$3204	$533
Leaving scene of an accident/hit and run	$3217	$548
DUI	$3336	$556
Refusal to submit to a chemical test	$3336	$568

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Oakland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Oakland.

The cheapest car insurance premiums in Oakland are offered by AAA at $883 for a six-month policy. However, it can be as expensive as $743 with companies like Kemper.

Oakland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$883	$150
Capital Insurance Group	$961	$160
Mercury	$1142	$192
Progressive	$1690	$284
Wawanesa	$2053	$349
Farmers	$2179	$367
USAA	$2320	$391
CSAA	$2453	$413
AAA SoCal	$3547	$603
Auto Club	$4058	$676
AAA NorCal	$4675	$795
State Farm	$4990	$840
Allstate	$5138	$865
Travelers	$989	$165
National General	$463	$77
Kemper	$743	$124

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Oakland are offered by CSAA at $112. However, it can be as expensive as $532 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Oakland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$112	$19
Capital Insurance Group	$617	$103
Mercury	$1051	$177
USAA	$1101	$183
Progressive	$1185	$199
AAA NorCal	$1640	$274
AAA SoCal	$1759	$300
Allstate	$1809	$301
State Farm	$1914	$326
Farmers	$2649	$441
AAA	$343	$58
Kemper	$434	$74
National General	$463	$77
State National	$532	$91

Car Insurance Price Trends in Oakland, California

Car insurance rates in Oakland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Oakland rose by $227 in December compared to $224 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Oakland rose to $64 in December, compared to $61 in November. This represents an increase of $3 when comparing December and November.

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Average Car Insurance Cost in Oakland by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Oakland. At $1300 for a six-month policy, insuring your car at 94611 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
94611	$1300	$218
94610	$1276	$214
94621	$1288	$216
94603	$1288	$216
94602	$1276	$214
94613	$1192	$200
94612	$1228	$206
94601	$1336	$224
94619	$1252	$210
94607	$1264	$212
94618	$1240	$208
94606	$1300	$218
94605	$1312	$220
94609	$1252	$210

Frequently Asked Questions

How much is car insurance in Oakland?

The car insurance in Oakland is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Oakland?

The cheapest car insurance in Oakland is $127 per month for full coverage.

How much is car insurance in Oakland for teenagers?

Car insurance for teenagers costs $274 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Oakland?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $201 per month to insure your car in Oakland.

Is car insurance expensive in Oakland?

Car insurance can be expensive in Oakland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Oakland can be affordable.

Cheapest Car Insurance Quotes in Oakland

Why you can trust Way?

How Much Is Car Insurance in Oakland

Avg. Car Insurance in Oakland

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Oakland

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Oakland Car Insurance Rates by Company

Cheap Car Insurance Companies in Oakland, CA

Way's key takeaways about car insurance in Oakland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Oakland

Cheapest Liability Coverage in Oakland, CA

Cheapest Full Coverage Car Insurance in Oakland

Cheapest Full Coverage Car Insurance Quotes in Oakland, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Oakland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Oakland, CA increasing?

Car Insurance Premiums by Age in Oakland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Oakland,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Oakland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Oakland

Cheapest Car Insurance Companies after an At-Fault Accident in Oakland

Oakland Car Insurance Rates by Violation

Oakland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Oakland after a DUI

Oakland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Oakland after Speeding ticket

Car Insurance Price Trends in Oakland, California

Average Car Insurance Cost in Oakland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Oakland, CA

Car Insurance Rates by State in the USA (2025 Update)

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