Overview of Auto Insurance in Oakland

As the 8th largest city in California, Oakland residents have a lot of insurance companies to choose from. With over 417,000 people living in Oakland, auto accidents are bound to happen. With a highly educated population, a lot of residents in Oakland can enjoy college degree discounts offered by many insurance companies. Major corporations (e.g. Clorox) are headquartered here, enabling a lot of residents to save money on insurance with professional discounts. Due to prop 103, California is one of the few states where credit scores cannot be used as an insurance rating factor. So residents in Oakland won't have to worry about poor credit history when shopping for insurance. Nearly half a million jobs are within half a mile of public transit in Oakland. Taking public transportation is a great way to drive less and save on auto insurance.

For a male driver living in Oakland, if he has 5 years of driving "experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, here are the auto insurance premiums charged by the insurance companies before any discount is applied. As you can see, the range is pretty wide. This premium info is updated on Feb, 2019.

Average Auto Insurance Premiums in Oakland

Here is the raw data of each insurance company's average premium. Click on each insurance company to see the discounts offered.

Carrier Price
21st Century $3,842
AAA $2,885
Alliance United $4,002
Allstate $4,995
Amica Mutual $2,572
Anchor General $6,213
Bankers Standard $2,391
CSAA Insurance Exchange $3,657
CSE Safeguard $3,527
California Capital $2,986
California Casualty $2,663
Coast National $10,080
Encompass $3,364
Esurance $3,763
Everest National $1,112
Farmers $7,528
Federal Ins (CHUBB) $4,736
Financial Indemnity $5,580
Geico $2,771
Hartford $4,624
Horace Mann $2,058
Horace Mann Prop and Cas $2,191
IDS $4,546
Infinity $10,895
Kemper $3,753
Liberty Mutual $5,978
MAPFRE $4,129
Mercury $4,004
Metromile $3,205
Metropolitan Direct $2,830
National General/Integon $7,247
Nations Ins. Co. $4,312
Nationwide $4,276
Pacific Property & Casualty $3,486
Permanent General $5,026
Progressive West $3,674
Safeco $3,978
Safeway $5,888
State Farm $4,624
Traveler's Commercial $3,918
USAA $2,282
Progressive $4,920
Viking $10,377
Wawanesa $2,060
Western General $4,860

As you can see, the prices vary quite a lot in Oakland. If you're wondering what's the best option for you, click here to get free insurance quotes today.

Oakland Local Agents

If you would like to call agents for insurance quotes, below is a list of local agents in Oakland.

3608 Grand Ave Ste 203, Oakland, CA 94610
822 Franklin St Ste 7, Oakland, CA 94607
900 Alice St, Ste 128, Oakland, CA 94607
4170 Piedmont Ave Ste C, Oakland, CA 94611
1714 Franklin St Suite 305, Oakland, CA 94612
5353 Claremont Ave Ste A, Oakland, CA 94618
523 47th St, Oakland, CA 94609
3560 Grand Ave, Oakland, CA 94610
1236 30th Ave, Oakland, CA 94601
733 Kevin Ct, Oakland, CA 94621
1452 High St Ste B, Oakland, CA 94601
4222 MacArthur Blvd, Oakland, CA 94619
490 Grand Ave #210, Oakland, CA 94610
5273 College Ave Ste 101, Oakland, CA 94618
560 Park St, Alameda, CA 94501
4400 Keller Ave #260, Oakland, CA 94605
440 Grand Ave #450, Oakland, CA 94610
5857 MacArthur Blvd, Oakland, CA 94605
6228 Merced Ave, Oakland, CA 94611
5940 College Ave a, Oakland, CA 94618

Factors used to determine Auto insurance premium

  • Age
  • Gender
  • Driving records
  • Annual mileage
  • Profession
  • Education background
  • Bundling of multi cars
  • Bundling of auto and home policies
  • Features of the car (e.g. anti-theft devices)

Curious about Auto insurance in neighboring cities?

Auto Insurance for All cities in California

We also generated a report for all cities in California.