Who Has The Cheapest Auto Insurance Quotes in Oakland, CA?

Oakland is home to thousands of commuters who are required to carry auto insurance year after year. To help Oaklanders find good car insurance rates, we've compared quotes across 10 insurance companies in Oaktown. Read below to find out who ranked with the cheapest auto insurance, or as the best car insurer.

Cheapest Car Insurance Companies in Oakland, California

The top two cheap auto insurance companies in Oakland were Century National and Nationwide. Century National, like in neighboring San Francisco has the lowest costing auto insurance with an annual rate of $828 for our sample driver. Nationwide followed with a rate of $924 per year. Oakland's city average premium of $1,408 is 15% lower than the California average of $1,662, 16% lower than San Francisco and a full 38% cheaper than Los Angeles.

Where can you find the cheapest car insurance in Oakland? The graph shows the five low costing auto insurance companies in Oakland, California

Find the Cheapest Auto Insurance Quotes in Your Area

Currently Insured?

Our sample driver was a 30 year old man who lives and drives in Oakland, and owns a Toyota Camry. Your own rates will be different from our sample driver, especially if you have had an accident, have bad credit, or are younger than 25. To know which company will be most affordable for your own circumstances, you need compare at least three companies side by side. You can do so by putting in your zip code up top where you will be given several companies to compare from.

RankCar Insurance CompanyAnnual Average Rate
1Century National$828
2Nationwide$924
3GEICO$1,077
4Grange$1,260
5State Farm$1,272
6Allied$1,296
7Unitrin$1,404
8Progressive$1,509
9Kemper Specialty$2,028
10Bristol West$2,484

Cost of Car Insurance in Oakland: by Neighborhood

Rates in Oakland can actually vary quite a bit depending on which part of the city you hail from. We found rates fluctuated by as much as $224 per year for our sample driver. Here is a selection of a few neighborhoods to illustrate the range.

NeighborhoodAverage Annual Car Insurance Rate
Lincoln Highlands$1,740
Upper Rockridge$1,908
West Oakland$1,948
Bella Vista$1,964

Best Car Insurance in Oakland

If you want good customer service, convenience or special discounts, the best car insurance company is going to be the one that fulfills that. So who has the best car insurance in Oakland? Below we list a few companies based on what they excel at.

Auto Insurance CompanyBest For...
GEICOConvenience
AmeripriseClaims Handling
MetromileLow Mileage Drivers
Military MembersUSAA

Metromile is great for Oakland motorists who drive less than 7,500 miles per year. Metromile charges by the mile as the bulk of your rate, meaning if you drive only occasionally, you can stand to save a lot of money with this young company. If you put in more miles than 7,500 however, Metromile gets expensive and is not worth the price, since it has a poor track record for claims handling and customer service. According to customers surveyed by J.D. Power, Ameriprise, was tops in California when it came to taking care of auto insurance claims, and was reviewed as superior in several key areas such as billing.

GEICO is likely the fastest way to get car insurance in Oakland. You can start and buy your policy online without ever needing to talk to an agent unlike most other companies as we explain more below. If you'd prefer dealing in person with an agent, or need one familiar point of contact, check out the list of agencies in the Oakland area. Lastly, if you are eligible for USAA, we'd recommend you strongly consider them. Not only do they offer useful discounts for military members, veterans, and their families, their policyholders rate them very highly for customer satisfaction. They offer a 15% discount off your comprehensive coverage when you garage your car at a military base. They also take 90% off when you safely store your vehicle while being deployed overseas. This will be especially useful for future officers and servicemen once the Oakland Army Base completes its redevelopment.

Auto Insurance Agents in Oakland

If you are hoping to get auto insurance from a company other than GEICO, Progressive and Esurance, you will likely need to speak with an agent. Companies like Allstate and State Farm only allow car insurance quotes to be started online but need to be finished with an agent. Below we list several agents and agencies in the Oakland area.

Agent/AgencyAddress
1Cost-U-Less Insurance5353 Claremont Ave a, Oakland, CA 94618, United States
2Fiesta Auto Insurance Center4102 International Blvd, Oakland, CA 94601, United States
3Allstate Insurance: Francis H. Lan900 Alice St Ste 128, Oakland, CA 94607, United States
4Jain Williams - State Farm Insurance Agent4222 MacArthur Blvd, Oakland, CA 94619, United States
5Freeway Insurance Services1452 High St b, Oakland, CA 94601, United States
6All Purpose Insurance Agency5857 MacArthur Blvd, Oakland, CA 94605, United States
7Allstate Insurance: Angela Darby3608 Grand Ave Ste 203, Oakland, CA 94610, United States
8Nationwide Insurance: Ruby Joyce Barnett440 Grand Ave #450, Oakland, CA 94610, United States
9Low Cost Car InsuranceCenter Walk, Oakland, CA 94612, United States
10Fiesta Auto Insurance Center1479 Fruitvale Ave, Oakland, CA 94601, United States
11FADEL INSURANCE AGENCY333 Hegenberger Rd #210, Oakland, CA 94621, United States
12Susan Bernosky - Strahan Ins Services Inc5940 College Ave a, Oakland, CA 94618, United States
13AAA Oakland Rockridge1982 Pleasant Valley Ave A, Oakland, CA 94611, United States
14Farmers Insurance - Norman Garcia8105 Edgewater Dr #118, Oakland, CA 94621, United States
15Allstate Insurance: Liz Drennan4170 Piedmont Ave c, Oakland, CA 94611, United States
16Fred Loya Insurance10323 International Blvd, Oakland, CA 94603, United States
17State Farm: Julie La3800 Park Blvd #200, Oakland, CA 94602, United States
18Farmers Insurance - Kim McGuire Reid4323 Piedmont Ave, Oakland, CA 94611, United States
19Maria Wong - State Farm Insurance Agent1000 Broadway #270, Oakland, CA 94607, United States
20Farmers Insurance - Scott Halbrook1433 Leimert Blvd, Oakland, CA 94602, United States

Fatal Accidents in Oakland

Big cities like Oakland tend to have more fatal accidents which cause rates to go up. Compared to San Francisco and San Jose however, Oakland had far fewer fatal crashes. In total, between 2011 and 2015 Oakland had 130 fatal accidents compared to 163 in San Fran and 241 in San Jose.

Most Dangerous Roads in Oakland

Certain roads in every city tend to be more accident prone than others. The following are Oakland's.

RankHighwayNumber of Fatal Accidents (2011 - 2015)Percent That Involve Drunk Driver
1US-1013135.5%
2MONTEREY RD1020.0%
3I-280 RAMP633.3%
4I-880633.3%
5SR-85540.0%

The percentage of accidents in Oakland that included a drunk driver was much higher than it was in other major California cities. Of the 130 fatal car crashes, 69 involved a drunk driver or about 53%. In comparison San Francisco only had 19% of its accidents involve a drunk driver.

Minimum Car Insurance Requirements in Oakland, CA

You need to carry a minimum amount of liability insurance in order to legally drive in Oaktown and California. While it may make it easier to afford insurance, the limits in California are too low for most drivers to be adequately protected. We would recommend all drivers if they can afford it to get higher than required limits. We also strongly recommend adding collision and comprehensive insurance to your policy if your car is worth more than $2,000. Below are the limits required by the state of California.

  • Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
  • Property Damage Liability Coverage: $5,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
  • Uninsured Motorist Property Damage Coverage: $3,500 minimum

If you get comprehensive and collision insurance, you do not need to carry uninsured motorist property damage coverage.

How We Compared Quotes

We collected auto insurance quotes from 142 cities and towns, one of which was Oakland. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.

TypeCalifornia MinimumStudy Limits

Bodily Liability

$15,000 per person / $30,000 per accident$50,000 per person/ $100,000 per accident

Property Damage

$5,000 per accident$50,000 per accident

Uninsured/Underinsured Motorist BI

$50,000 per person/ $100,000 per accident

Uninsured/Underinsured Motorist Property

$50,000 per accident

Comprehensive & Collision

$500 Deductible

Sources:

Fatal car accident and DUI data: FARS 2011 to 2015.

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