Who Has The Cheapest Auto Insurance Quotes in Oakland, CA?
Geico has the cheapest car insurance in Oakland, at $135 per month for full coverage.
Compare Car Insurance Rates in Oakland
Best cheap auto insurance in Oakland
How we chose the top companies
Best and cheapest car insurance in Oakland
- Cheapest full coverage: Geico, $135/mo
- Cheapest minimum liability: Geico, $40/mo
- Cheapest for young drivers: State Farm, $119/mo
- Cheapest after a ticket: Geico, $211/mo
- Cheapest after an accident: Mercury, $261/mo
- Cheapest for teens after a ticket: Geico, $141/mo
- Cheapest after a DUI: Mercury, $294/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Geico offers the best mix of affordable rates and dependable customer service for most Oakland drivers. People with military ties can also find great rates and service at USAA.
Cheapest car insurance in Oakland: Geico
Geico has the cheapest full coverage car insurance quotes in Oakland.
A full coverage policy from Geico costs around $135 per month. That's $58 per month less than the Oakland average.
Compare Car Insurance Rates in Oakland
The average cost of full coverage car insurance in Oakland is $193 per month. That's $23 per month more than the California state average.
Cheapest full coverage car insurance in Oakland
Company | Monthly rate | |
|---|---|---|
| Geico | $135 |
| Progressive | $160 |
| Mercury | $166 |
| Allstate | $194 |
| State Farm | $197 |
*USAA is only available to current and former military members and their families.
Cheapest liability-only insurance quotes in Oakland: Geico
Geico has the most affordable minimum liability insurance in Oakland.
At just $40 per month, a liability-only policy from Geico costs $21 per month less than the Oakland average.
Cheap liability-only car insurance in Oakland, CA
Company | Monthly rate |
|---|---|
| Geico | $40 |
| Progressive | $56 |
| AAA | $58 |
| Mercury | $60 |
| State Farm | $62 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Oakland
Cheapest Oakland auto insurance for teens: State Farm
State Farm has the best car insurance rates for most Oakland teens.
A minimum liability policy from State Farm costs around $119 per month for an 18-year-old. That's $42 per month less than the Oakland average.
State Farm also has the cheapest full coverage rates for Oakland teens. At $339 per month, full coverage from State Farm costs $126 per month less than the citywide average.
USAA has even cheaper full coverage rates for teen drivers with military ties, at $290 per month. However, USAA is only available to military members, veterans and some of their family members.
Cheapest car insurance for young drivers in Oakland
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $119 | $339 |
| Geico | $125 | $346 |
| Mercury | $155 | $392 |
| Progressive | $170 | $479 |
| AAA | $190 | $777 |
*USAA is only available to current and former military members and their families.
On average, 18-year-old drivers in Oakland pay two and a half times more for car insurance than older drivers. That's because teens have less experience behind the wheel, which makes them more likely to make a mistake and cause a crash.
The best way for young drivers in Oakland to save on car insurance is to share a policy with a parent or older relative. A family policy is typically much cheaper than two separate policies.
In addition, many car insurance companies have discounts geared toward young drivers. For example, State Farm's Steer Clear program offers a discount to young drivers who take an online training course and practice with an older driver.
Cheapest Oakland car insurance after a speeding ticket: Geico
Geico offers the most affordable car insurance for Oakland drivers with a recent speeding ticket. Full coverage insurance from Geico costs around $211 per month after one speeding ticket. That's $62 per month less than the citywide average.
Best cheap car insurance in Oakland after a speeding ticket
Company | Monthly rate |
|---|---|
| Geico | $211 |
| Mercury | $235 |
| Progressive | $246 |
| Allstate | $279 |
| State Farm | $299 |
*USAA is only available to current and former military members and their families.
In Oakland, car insurance rates go up by around 43% after a single speeding ticket. That's an increase of $82 per month for a full coverage policy.
Cheapest car insurance in Oakland after an accident: Mercury
Mercury has the most affordable car insurance for Oakland drivers with an at-fault accident on their record. At $261 per month, full coverage from Mercury costs $125 per month less than the Oakland average.
Cheap Oakland car insurance after an accident
Company | Monthly rate |
|---|---|
| Mercury | $261 |
| Progressive | $263 |
| Geico | $340 |
| State Farm | $386 |
| AAA | $513 |
*USAA is only available to current and former military members and their families.
Oakland drivers can expect their car insurance rates to double after a single at-fault accident.
You don't need to worry about switching car insurance companies right after a crash. Your current rates won't go up until your policy renews.
Instead, wait until you get your renewal offer from your current company. This usually comes a few weeks to a month before your policy expires. Then, shop around for quotes from multiple companies to make sure you're getting the best rate.
Cheap Oakland insurance for teens with a bad driving record: Geico
Geico has the cheapest car insurance quotes in Oakland for young drivers with a speeding ticket or accident on their record.
After a speeding ticket, a minimum liability policy from Geico costs $141 per month for an 18-year-old. That's $70 per month less than the Oakland city average.
Teens with an accident pay around $172 per month for minimum liability coverage from Geico, which is $64 per month less than average.
USAA offers even cheaper rates to teens with military ties after an accident, at $162 per month for minimum coverage.
Cheapest auto insurance in Oakland for teens after a speeding ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $141 | $172 |
| State Farm | $188 | $198 |
| Mercury | $205 | $194 |
| Progressive | $221 | $246 |
| Allstate | $233 | $310 |
*USAA is only available to current and former military members and their families.
Cheapest Oakland auto insurance after a DUI: Mercury
Mercury offers the most affordable full coverage insurance for Oakland drivers with a DUI, at $294 per month. That's $226 per month less than the Oakland average, which is $521 per month.
Low-cost car insurance for Oakland drivers with a DUI
Company | Monthly rate |
|---|---|
| Mercury | $294 |
| Geico | $339 |
| Progressive | $384 |
| Farmers | $535 |
| Allstate | $761 |
*USAA is only available to current and former military members and their families.
Drinking and driving is a serious offense, and it can have an equally serious impact on your car insurance rates. In Oakland, drivers with one DUI pay over two and a half times more for insurance than people with a clean record.
In addition, you may need to get SR-22 insurance after a DUI in California. Insurance companies typically charge between $15 and $50 to file an SR-22 form for you. That's on top of any increase to your car insurance rates.
Average car insurance quotes in Oakland by ZIP code
Rockridge and Upper Rockridge have the cheapest car insurance quotes in Oakland.
People living in these neighborhoods pay an average of $154 per month for full coverage insurance.
Areas around Hegenberger, the Alameda County Coliseum and the airport have the most expensive rates in Oakland, at $227 per month.Full coverage quotes by Oakland ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 94601 | $221 | 16% |
| 94602 | $176 | -8% |
| 94603 | $213 | 12% |
| 94605 | $192 | 0% |
| 94606 | $208 | 9% |
What's the best car insurance coverage in Oakland, CA?
Full coverage car insurance is the best choice for most Oakland drivers.
Full coverage includes comprehensive and collision on top of the minimum protection required by California law.
- Collision coverage: Pays for damage to your car after a crash, regardless of whose fault it is
- Comprehensive coverage: Pays for damage to your car caused by something other than a crash, such as a house fire or falling debris. It also covers theft.
If you have a car loan or lease, your lender typically requires you to have these coverages. You should also consider adding them to your policy if your car is less than eight years old or worth more than $5,000.
Frequently asked questions
How much is car insurance in Oakland, CA?
Full coverage car insurance in Oakland costs an average of $193 per month. Minimum liability coverage costs an average of $61 in Oakland.
Who has the cheapest car insurance in Oakland?
Geico has the cheapest full coverage car insurance in Oakland, at $135 per month. It also offers the cheapest minimum liability coverage, at $40 per month.
Methodology
To find the best cheap car insurance in Oakland, ValuePenguin editors collected quotes from eight of the largest insurance companies in California. Rates are for a 30-year-old man with good credit and a clean driving record who owns a 2015 Honda Civic EX.
Full coverage rates include collision and comprehensive insurance, along with higher liability limits than required in California.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured or underinsured motorist BI: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
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.
California averages 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.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.