What's the average cost of car insurance in Oakland?
The average cost of auto insurance in Oakland is $2,243 per year. That's more than the average across California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Oakland — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
OAKLAND AUTO INSURANCE RATES
|Oakland Average (yearly)||California Average||National Average|
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Oakland car insurance costs by insurer
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Oakland, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Oakland. Don't forget to get car insurance quotes based on your driving profile.
OAKLAND CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Annual Rate|
Car insurance rates by age bracket in Oakland
Oakland drivers in their 60s enjoy relatively affordable auto insurance rates, paying just $2,009per year, on average. Those in their 50s don't pay much more ($2,014).
Young drivers aged 16 to 19 pay the most for car insurance in Oakland. One of the most effective ways to get cheaper car insurance rates as a driver in Oakland is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Oakland is $5,071. That's the biggest gap in premiums between any pair of age brackets.
OAKLAND CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age||Average Annual Rate|
Oakland auto insurance rates by gender and marital status
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Oakland pay $88 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Oakland, widowed drivers pay less than those who are single.
Gender is another factor that can affect car insurance rates. In Oakland, female drivers pay more for auto insurance than do male drivers: $3 per year, to be precise.
OAKLAND AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Gender/Marital Status||Average Yearly Rate|
Oakland auto insurance costs by accident and citation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Oakland, a reckless driving citation results in an average insurance rate increase of $3,762 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $3,617 increase and a speeding ticket triggers a $911 rate hike.
OAKLAND CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$2,254|
|At-fault Accident (damages greater than $2,000)||$3,939|
|Speeding Ticket (16-20 mph over speed limit)||$3,154|
Oakland car insurance rates by credit level
In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Oakland drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 0% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Oakland, improving your credit to "Fair" could help you earn a $0 decrease in yearly insurance premiums.
OAKLAND AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Oakland, you can expect 64 rainy days with an annual rainfall of 23 inches. Oakland is also known to experience earthquakes and wildfires.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Oakland Agents
Gregory Insurance Agency
610 16th St Ste 523, Oakland, CA 94612
Cook, Disharoon & Greathouse, Inc.
1900 Embarcadero Suite 206, Oakland, CA 94606
Barney & Barney, a Marsh & McLennan LLC Company
1999 Harrison Street, Suite 1230, Oakland, CA 94612
Brady-Harbord-Payne Insurance Brokers
3608 Grand Avenue, Suite 2, Oakland, CA 94610
320 8th St #2G, Oakland, CA 94607
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
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