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 Average||State Average||National Average|
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/Gender||Average Rate|
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 Violation||Average Rate|
|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
* 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Oakland Agents
Brady-Harbord-Payne Insurance Brokers
3608 Grand Avenue, Suite 2 Oakland, CA 94610
Crist, Fritschi & Paterson, Insurance Agents/Brokers Inc.
266 Grand Ave, Suite 230 Oakland, CA 94610
Dealey, Renton & Associates Insurance Brokers
530 Water St 7th Fl Oakland, CA 94607
Gregory Insurance Agency
610 16th St Ste 523 Oakland, CA 94612
320 8th St #2G Oakland, CA 94607
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
The average Oaklander's annual cost of coverage
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