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

Best cheap car insurance companies in Oakland

In Oakland, the most affordable company for most drivers is Geico for both state-minimum and full-coverage policies. Minimum coverage costs $491 per year from Geico. Full coverage is $1,556.

Cheapest car insurance in Oakland: Geico

If you want a full-coverage policy, which pays for damage to your vehicle, Geico is a solid pick. They had the most affordable rates by far. Geico's rates were $185 cheaper per year than the next-best option, Mercury Insurance.

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Cheapest full-coverage car insurance in Oakland

Cheapest liability insurance quotes in Oakland: Geico

The most affordable option for Oakland drivers is Geico's state-minimum insurance policy, which costs an average of $35 per month. That's 35% cheaper than other companies.

Progressive also offered affordable rates, with a typical price of $41. That's only $66 more per year.

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Cheapest car insurance in Oakland, CA

Cheapest car insurance for young drivers: Geico

Younger drivers often pay much more for car insurance than older, more experienced drivers. On average, an 18-year-old who's had their license since they were 16 pays $141 for a minimum-coverage policy — 61% more than a 30-year-old pays.

However, Geico has more affordable rates for teens. Their quote was $106 for one month of minimum coverage. That's $141 a year cheaper than State Farm, the second-cheapest option.

Cheapest car insurance for young drivers in Oakland

The best way for young drivers to save on car insurance is to share a policy with a parent or older relative. That can bring the teen's rates down by hundreds of dollars per year.

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Cheapest car insurance for drivers with a speeding ticket: Mercury Insurance

Insurance companies have found that a driver who has been caught speeding is more likely to file an insurance claim. So you'll likely see your insurance rates jump after a speeding ticket.

The best rates after a ticket came from Mercury Insurance, at a price of $2,304 per year for full coverage. That's $816 less than the average across all companies. But it's still much more than you'd pay without a ticket on your record.

Cheapest car insurance with a speeding ticket

Cheapest car insurance in Oakland after an accident: Mercury Insurance

Insurance companies don't raise your rates after a crash to directly recover what they've paid. But statistically, a driver at fault for a crash is more likely to get in another crash in the future. As a result, you'll almost always pay more for car insurance after you've been at fault for an accident.

The most affordable rate in Oakland after one at-fault accident was from Mercury Insurance. They offered a full-coverage policy for $218 per year. That's 38% cheaper than the average across all companies.

Cheapest car insurance after an accident

Cheapest car insurance for drivers with a DUI: Mercury Insurance

Getting caught drinking and driving is a serious offense. And it can have an equally serious impact on your car insurance rates. After one DUI in Oakland, you'll see a typical rate of $5,983 per year for full coverage, which is nearly three times what you'd pay with a clean record.

Drivers with a DUI should consider Mercury Insurance, which offered a rate of $2,881 for full coverage. That's over $3,000 per year cheaper than the typical price across all companies.

Cheapest car insurance for Oakland drivers with a DUI

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Cheapest car insurance for married Oakland drivers: Geico

Insurance companies often give married drivers a discount, because they've found that single people tend to get in crashes and file claims more often. On average, Oakland drivers save about 16% just for being married.

Geico had the best rates overall for married drivers, with a typical price of $101 per month for a full-coverage policy. The company offered a 22% discount for tying the knot.

Married drivers can save even more by sharing a policy with their spouse or qualifying for a multicar discount, which isn't factored into these sample rates.

Cheapest car insurance for married drivers

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Average car insurance costs in Oakland by ZIP code

A major factor that determines car insurance rates is where you live in Oakland, which can affect your rates by up to $865.

Here's the full breakdown of the cost of car insurance in Oakland by ZIP code.

Auto theft statistics in Oakland

Oakland experiences more car thefts than any other city in California: 11.6 cars were stolen per 1,000 residents in 2019. That's 55% more than the city with the second-worst theft rate in the state, Bakersfield.

Car theft can be a major reason for higher car insurance costs, especially for comprehensive insurance, which covers theft.

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Methodology

Data was collected from seven of the largest insurance companies in California for a 30-year-old man who drives a 2015 Honda Civic EX. Unless otherwise stated, the driver had average credit and received rates for a minimum-coverage policy.

In instances where full-coverage rates were compared, the following limitations were used:

Insurance rate data from Quadrant Information Services was used. These rates were publicly sourced from company filings and should be used for comparative purposes only. Your own quotes may be different.

Insurance rates included both AAA of Northern California and AAA of Southern California. However, AAA of Southern California doesn't offer insurance to Oakland residents, so they were eliminated from city averages and rankings.

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