Car Insurance in Oakland
Premiums in California surpass the national average by 20%, which is why the state is recognized for its costly rates. Premiums run even higher in the city, so it is critical to save while insuring a vehicle in Oakland. Keep some money in your pocket by following the tips below about how to save on car insurance in Oakland.
- City Average: $1,999
- State Average: $1,713
- National Average: $1,427
Oakland Car Insurance by Age
With average payments of $7,567, teenage drivers are the ones who pay the most in car insurance premiums. The greatest reduction in premiums for Oakland drivers happens when they reach their 20s. Once out of the teenage age bracket, people reduce their premiums by $4,605. Rates for drivers continue to decrease through their 60s, but they can anticipate a change when they hit 70. At $1,699, drivers in their 60s have the lowest insurance rates among any age group. Those in their 50s ($1,752) have premiums that aren't much higher.
- Teenagers: $7,567
- 20s: $2,961
- 30s: $1,960
- 40s: $1,894
- 50s: $1,752
- 60s: $1,699
- 70s: $1,883
Oakland Car Insurance by Accident or Violation History
A history of accidents and violations can cost you in terms of car insurance premiums. In Oakland, those who are found at-fault in an accident end up spending $1,151 more per year to insure their vehicle. Generally, a DUI or reckless driving infraction in Oakland will cost you 185% more in car insurance premiums versus the city average ($1,999).
- DUI: $5,695
- Reckless Driving: $5,695
- At-fault Accident (damages less than $1000): $3,150
- At-fault Accident (damages greater than $2000): $3,150
- Speeding Ticket (16-20 mph over speed limit): $2,730
Oakland Car Insurance by Gender and Marital Status
Various driver characteristics, including marital status and gender, can play a part in car insurance premiums in Oakland. Rates for those who are widowed are relatively cheaper than rates for those who are single. Being single can cost you an average of $85 more per year compared to being married. Premiums are barely cheaper for women. Women typically pay $2 less than men every year for insurance.
- Female: $1,997
- Male: $1,999
- Single: $1,999
- Married: $1,914
- Divorced: $1,999
- Widowed: $1,922
* Credit score is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance each year.
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
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
Brady-Harbord-Payne Insurance Brokers
3608 Grand Avenue, Suite 2 Oakland, CA 94610
Gregory Insurance Agency
610 16th St Ste 523 Oakland, CA 94612
320 8th St #2G Oakland, CA 94607
Brignole & Ghiri Insurance & Real Estate Service, Inc.
4685 Telegraph Avenue Oakland, CA 94609
Cook, Disharoon & Greathouse, Inc.
1900 Embarcadero Oakland, CA 94606
Dealey, Renton & Associates Insurance Brokers
530 Water St 7th Fl Oakland, CA 94607
The average Oaklander's annual cost of coverage
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Oakland Car Insurance
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