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.
Find the Cheapest Auto Insurance Quotes in Your Area
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.
|Rank||Car Insurance Company||Annual Average Rate|
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.
|Neighborhood||Average Annual Car Insurance Rate|
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 Company||Best For...|
|Metromile||Low Mileage Drivers|
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.
|1||Cost-U-Less Insurance||5353 Claremont Ave a, Oakland, CA 94618, United States|
|2||Fiesta Auto Insurance Center||4102 International Blvd, Oakland, CA 94601, United States|
|3||Allstate Insurance: Francis H. Lan||900 Alice St Ste 128, Oakland, CA 94607, United States|
|4||Jain Williams - State Farm Insurance Agent||4222 MacArthur Blvd, Oakland, CA 94619, United States|
|5||Freeway Insurance Services||1452 High St b, Oakland, CA 94601, United States|
|6||All Purpose Insurance Agency||5857 MacArthur Blvd, Oakland, CA 94605, United States|
|7||Allstate Insurance: Angela Darby||3608 Grand Ave Ste 203, Oakland, CA 94610, United States|
|8||Nationwide Insurance: Ruby Joyce Barnett||440 Grand Ave #450, Oakland, CA 94610, United States|
|9||Low Cost Car Insurance||Center Walk, Oakland, CA 94612, United States|
|10||Fiesta Auto Insurance Center||1479 Fruitvale Ave, Oakland, CA 94601, United States|
|11||FADEL INSURANCE AGENCY||333 Hegenberger Rd #210, Oakland, CA 94621, United States|
|12||Susan Bernosky - Strahan Ins Services Inc||5940 College Ave a, Oakland, CA 94618, United States|
|13||AAA Oakland Rockridge||1982 Pleasant Valley Ave A, Oakland, CA 94611, United States|
|14||Farmers Insurance - Norman Garcia||8105 Edgewater Dr #118, Oakland, CA 94621, United States|
|15||Allstate Insurance: Liz Drennan||4170 Piedmont Ave c, Oakland, CA 94611, United States|
|16||Fred Loya Insurance||10323 International Blvd, Oakland, CA 94603, United States|
|17||State Farm: Julie La||3800 Park Blvd #200, Oakland, CA 94602, United States|
|18||Farmers Insurance - Kim McGuire Reid||4323 Piedmont Ave, Oakland, CA 94611, United States|
|19||Maria Wong - State Farm Insurance Agent||1000 Broadway #270, Oakland, CA 94607, United States|
|20||Farmers Insurance - Scott Halbrook||1433 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.
|Rank||Highway||Number of Fatal Accidents (2011 - 2015)||Percent That Involve Drunk Driver|
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.
|Coverage Type||California Minimum||Study 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|
Fatal car accident and DUI data: FARS 2011 to 2015.