Cheapest Car Insurance Quotes in Oakland, CA (2022 Rates)

GEICO has the cheapest car insurance in Oakland at $113 a month for full coverage.

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The cheapest car insurance in Oakland comes from GEICO. Based on our survey of 2022 rates, the company’s average monthly rate for minimum-coverage car insurance is $113.

GEICO also leads the way for full-coverage rates, charging an average of $127 per month.

For minimum coverage, Progressive has the second-best option in Oakland, offering rates of $117 per month. Allstate, meanwhile, is the next-best choice for full coverage, charging $133.

In this article

Cheapest car insurance quotes in Oakland: GEICO

GEICO has the most affordable car insurance for Oakland drivers. The provider’s average minimum-coverage rate is $113 a month, almost $30 below the citywide average of $140.

Progressive also has highly competitive rates, charging a monthly rate of $117. Additionally, Auto Club, Allstate and State Farm all offer policies beneath the citywide average. Compare car insurance rates with all of these companies to get your best rate.

CHEAPEST CAR INSURANCE IN OAKLAND FOR MINIMUM COVERAGE
Company Monthly rate
GEICO $113
Progressive $117
Auto Club $123
Allstate $125
State Farm $138
City Average $140
Mercury $144
Farmers $178
CSAA $179
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Minimum-coverage car insurance is defined as a policy that only meets the state’s minimum insurance requirements. In California, that means holding liability insurance in the following amounts:

  • $15,000 for the injury or death of one person in an accident
  • $30,000 for the injuries or deaths of multiple people in an accident
  • $5,000 for property damaged during in accident

The best full-coverage car insurance rates in Oakland also come from GEICO. There, drivers will find average rates of $127 per month.

CHEAPEST CAR INSURANCE IN OAKLAND FOR FULL COVERAGE
Company Monthly rate
GEICO $127
Allstate $133
Auto Club $136
Progressive $136
City Average $155
State Farm $162
Mercury $166
Farmers $191
CSAA $192
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Allstate, Auto Club and Progressive all offer prices within $10 of GEICO’s city-leading rates. Those policies also all cost less than the citywide average of $155 per month.

Full-coverage car insurance policy typically includes collision and comprehensive coverages, in addition to state-required liability coverage. Additionally, drivers can add coverage for towing, rental cars, uninsured drivers, and other related circumstances.

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Average cost of car insurance in Oakland

In Oakland, minimum-coverage car insurance costs an average of $140 per month. That’s significantly more than the average statewide, which is just $71 a month.

That said, the city is much better comparatively when it comes to full coverage. The average full-coverage policy in Oakland is $155 a month. Across California, that value is $166 per month.

Cheapest car insurance in Oakland for drivers with incidents

Oakland drivers with a DUI will find the best car insurance rates at Mercury. For full coverage, the company charges $274 per month, on average — that’s for a driver with one DUI on their record.

A DUI significantly increases a driver’s car insurance cost. Overall, a typical Oakland resident pays $155 a month for full coverage. But drivers with a DUI pay $430, which is almost three times as much.

CHEAPEST CAR INSURANCE WITH A DUI
Company Monthly rate
Mercury $274
GEICO $322
Progressive $323
Farmers $336
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Meanwhile, those with an accident history should look to Auto Club. The provider’s average full-coverage car insurance rate for a driver with one accident on their record is $203 per month.

GEICO is the second-cheapest option, with an average rate of $232 per month. CSAA and State Farm follow close behind with rates that are still below the citywide average of $265.

CHEAPEST CAR INSURANCE WITH AN ACCIDENT
Company Monthly rate
Auto Club $203
GEICO $232
CSAA $242
State Farm $258
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Allstate has the most affordable rates for drivers with a speeding ticket on their record. At Allstate, customers pay an average of $192 per month for full coverage.

GEICO and Auto Club trail closely, with monthly costs of $200 and $201 respectively.

CHEAPEST CAR INSURANCE WITH A SPEEDING TICKET
Company Monthly rate
Allstate $192
GEICO $200
Auto Club $201
Mercury $219
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance in Oakland for teen drivers: State Farm

For cheap insurance in Oakland, teen drivers should look to State Farm. There, an 18-year-old with a clean driving record will pay $251 for minimum coverage each month.

Teen drivers are much more costly to insure than the typical Oakland driver. Citywide, the average minimum-coverage policy costs just $140 a month, but for teens, that figure skyrockets to $351.

CHEAPEST CAR INSURANCE FOR TEENS (MINIMUM COVERAGE)
Company Monthly rate
State Farm $251
GEICO $283
Allstate $294
Auto Club $323
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

For full coverage, teen drivers should also head to State Farm. The provider charges $299 per month to insure an 18-year-old with a clean driving record.

Allstate and GEICO have the next-best offerings, with rates of $320 and $328, respectively.

CHEAPEST CAR INSURANCE FOR TEENS (FULL COVERAGE)
Company Monthly rate
State Farm $299
Allstate $320
GEICO $328
Auto Club $361
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare auto insurance quotes from top companies

Cheap car insurance in Oakland for senior drivers: GEICO

Seniors, meanwhile, should turn to GEICO for the lowest-costing car insurance in Oakland. GEICO’s minimum-coverage rates average out at $113 per month.

In our survey, a senior driver was defined as a 60-year-old with a clean driving record. That means no accidents, DUIs or speeding tickets.

CHEAPEST CAR INSURANCE FOR SENIORS (MINIMUM COVERAGE)
Company Monthly rate
GEICO $113
Progressive $117
Auto Club $123
Allstate $125
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

GEICO also is the best car insurance company for seniors. In Oakland, GEICO charges $127 per month to insure a 60-year-old with a clean driving record.

However, Allstate, Auto Club and Progressive all have similarly competitive policies.

CHEAPEST CAR INSURANCE FOR SENIORS (FULL COVERAGE)
Company Monthly rate
GEICO $127
Allstate $133
Auto Club $136
Progressive $136
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Oakland car insurance requirements

In California, all drivers must hold liability insurance, with coverage for the following:

  • $15,000 for the injury or death of one person in an accident
  • $30,000 for the injuries or deaths of multiple people in an accident
  • $5,000 for property damaged during in accident

Minimum-coverage car insurance is defined as a policy that meets the above requirements. For full coverage, drivers usually opt to add collision and comprehensive coverages, as well as other optional coverages, such as those for uninsured motorists or towing fees.

No state requires full coverage, but some lenders and lessors do. Additionally, it’s not a bad idea to consider full coverage if your car is expensive or new.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Oakland ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets California’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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