What's the Average Cost of Car Insurance in Oakland?


Oakland is known for its pricey premiums, as its mean premium is 17% greater than the state average. So it is vital to cut costs while insuring a vehicle in Oakland. We've analyzed how car insurance rates in Oakland compare to costs nationwide.


AUTO INSURANCE PRICES: OAKLAND VS. STATE/US MEAN
City AverageState AverageNational Average
$1,999$1,713$1,427


Oakland Auto Insurance After an Accident or Moving Violation


Does your driving record show a history of accidents or violations? That can influence your car insurance rates. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,696 is the extra cost per year for drivers with a DUI or reckless driving offense in Oakland, compared to the city average of $1,999. Even among safe drivers, accidents happen, so be prepared and learn the effect one can have on your rates. Expect your yearly car insurance payments to increase by 58% if you are found at-fault in an accident in Oakland.


AVERAGE OAKLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI$5,695
Reckless Driving$5,695
At-fault Accident (damages less than $1,000)$3,150
At-fault Accident (damages greater than $2,000)$3,150
Speeding Ticket (16-20 mph over speed limit)$2,730


Oakland Auto Insurance by Marital Status and Gender


Car insurance premiums in Oakland vary depending on your marital status and gender. However, males have premiums that are only a little more pricey than those for females. Being married, as opposed to single or divorced, can save you around 4% per year on car insurance. Rates for those who are widowed are relatively cheaper than rates for those who are single.


OAKLAND AUTO INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,997
Male$1,999
Single$1,999
Married$1,914
Divorced$1,999
Widowed$1,922


Oakland Car Insurance Premiums by Driver Age

The most significant decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Oakland start paying 61% less in premiums. When drivers turn 70, they will experience an insurance rate increase related to their age for the first time. When you look across all age groups, drivers in their 60s tend to have the smallest payments. Their rates typically average $1,699/year. Those in their 50s ($1,752) aren’t paying significantly more. Teenage drivers have the largest premiums out of all the age groups, with car insurance payments of $7,567 on average.


OAKLAND AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$7,567
20s$2,961
30s$1,960
40s$1,894
50s$1,752
60s$1,699
70s$1,883


* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.


What drives up car insurance rates in Oakland?

Where you live in Oakland affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Oakland is no exception to the rule. From zip code 94618 to 94621, premiums rise by 30 percent—that’s $444.

Expensive Oakland Zip Codes: 94607, 94601, 94622, 94603, 94621

Cheap Oakland Zip Codes: 94618, 94611, 94610, 94602, 94619

Oakland Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Oakland, you can expect 64 rainy days with an annual rainfall of 23 inches. Oakland is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.

64

Rainy Days a Year

23"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Oaktown

2
Major Highways
I-580 I-880 I-80
2
Public Transit
BART AC transit Bus
2
Toll Roads
Bay Bridge
2
Popular Day Trips
Angel Island Tomales Bay Yosemite Valley

Car Insurance Companies in Oakland

Find Local Oakland Agents

Brady-Harbord-Payne Insurance Brokers

3608 Grand Avenue, Suite 2 Oakland, CA 94610

Cook, Disharoon & Greathouse, Inc.

1900 Embarcadero Oakland, CA 94606

Barney & Barney, a Marsh & McLennan LLC Company

1999 Harrison Street, Suite 1230 Oakland, CA 94612

Brignole & Ghiri Insurance & Real Estate Service, Inc.

4685 Telegraph Avenue Oakland, CA 94609

Dealey, Renton & Associates Insurance Brokers

530 Water St 7th Fl Oakland, CA 94607

Pleasant Insurance

320 8th St #2G Oakland, CA 94607

Crist, Fritschi & Paterson, Insurance Agents/Brokers Inc.

266 Grand Ave, Suite 230 Oakland, CA 94610

Gregory Insurance Agency

610 16th St Ste 523 Oakland, CA 94612

See All

2

$1,738

The average Oaklander's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

278

That's equal to 278 cups of coffee or $695 in savings

See How Much You Can Save in Oakland

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Oakland Car Insurance

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