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 AverageNational Average
$2,243$1,868$1,548

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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 CompanyAverage Annual Rate
GEICO$1,423
AAA$1,666
Mercury$1,696
State Farm$2,272
Allstate$2,292

Consult our expert guide to finding the best cheap car insurance.



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
AgeAverage Annual Rate
Teens$8,421
20s$3,350
30s$2,182
40s$2,108
50s$2,014
60s$2,009
70s$2,334

Learn more about the impact of age on auto insurance rates.



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 StatusAverage Yearly Rate
Female$2,246
Male$2,243
Single$2,155
Married$2,155
Divorced$2,243
Widowed$2,186

Learn more about how gender and marital status have on auto insurance rates.



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
IncidentAverage Annual Rate
DWI/DUI$5,861
Reckless Driving$6,005
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

Get more info on how a bad driving history can impact your car insurance costs.



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 ScoreAverage Yearly Rate
Very Poor$2,243
Fair$2,243
Good$2,243
Very Good$2,243
Exceptional$2,243

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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.

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 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

Pleasant Insurance

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

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.