How Much Does Car Insurance Cost in Oakland?


On average, premiums in California exceed the national average by $179. Premiums run even higher in the city, so if you are insuring a vehicle in Oakland, saving money is especially crucial. Who doesn't like to save money? Check out some ways to save on car insurance in Oakland.


INSURANCE COSTS: OAKLAND VS. STATE/NATIONAL AVERAGES
City AverageState AverageNational Average
$2,103$1,748$1,569


Oakland Car Insurance by Gender and Marital Status


Car insurance premiums in Oakland can be affected by driver attributes such as gender and marital status. However, premiums are barely more costly for men than for women. Men normally pay 0.2% more than women every year for insurance. Rates for those who are widowed are moderately cheaper than rates for those who are single. Married individuals save approximately 4% per year compared to those who are single or divorced.


OAKLAND CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$2,099
Male$2,103
Single$2,103
Married$2,012
Divorced$2,103
Widowed$2,021


Oakland Auto Insurance for High-Risk Drivers


Do you realize the impact an accident or violation can have on your car insurance premiums? $3,825 is the extra cost per year for drivers with a DUI or reckless driving offense in Oakland, compared to the city average of $2,103. Many people treat speed limits with leniency, but getting pulled over for speeding (16-20mph over the limit) raises your rates by a whopping $755.


AVERAGE OAKLAND INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Rate
DUI/DWI$5,927
Reckless Driving$5,927
At-fault Accident (damages less than $1,000)$2,103
At-fault Accident (damages greater than $2,000)$3,413
Speeding Ticket (16-20 mph over speed limit)$2,858


Oakland Auto Insurance Costs by Age

Car insurance premiums are highest for teenage drivers, with average rates of $7,827 per year. Drivers in Oakland see the greatest dip in premiums when they hit their 20s, as they save an average of $6,143 from moving out of the teenage age range. The downward movement continues, which means the higher the age of drivers, the lower their premium prices. Among all age groups, drivers in their 70s have the lowest car insurance premiums, with rates of $1,684.


OAKLAND AUTO INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$7,827
20s$3,085
30s$2,064
40s$1,992
50s$1,847
60s$1,791
70s$1,684


* Credit score is considered discriminatory in California and thus is 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

Find Local Oakland Agents

Gregory Insurance Agency

610 16th St Ste 523 Oakland, CA 94612

Cook, Disharoon & Greathouse, Inc.

1900 Embarcadero Oakland, CA 94606

Pleasant Insurance

320 8th St #2G Oakland, CA 94607

Barney & Barney, a Marsh & McLennan LLC Company

1999 Harrison Street, Suite 1230 Oakland, CA 94612

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

266 Grand Ave, Suite 230 Oakland, CA 94610

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

Brady-Harbord-Payne Insurance Brokers

3608 Grand Avenue, Suite 2 Oakland, CA 94610

2

$1,738

The average Oaklander's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

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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Recent Questions:

Oakland Car Insurance

How can I get a statement of no loss?

A statement of no loss is used when you are going to have a car insurance policy reinstated from being previously canceled. It's a form stating that you did not have an accident or any damage to the vehicle between the time the policy was canceled until the reinstatement date.

Should I file a weather-related car claim?

Filing a claim like this, (collision, at-fault) will raise your rates. On average, in California, an at-fault accident can raise your rates 39%.

If the cost to repair a vehicle I hit is more than the car is worth, can I just pay for the value of the car?

If you aren't going to be filing a claim for the accident then the two of you will have to settle on a final dollar amount. Unfortunately, the other driver's insurance status does not impact fault in the accident so he could potentially file a claim with your insurance company if you can't come to a resolution.