Best Car Insurance in Oakland 2021

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Car insurance in Oakland California costs single-car drivers an average of $2,941 annually, or about $245 per month. Compared to the state annual average of $2,601, auto insurance in Oakland is $340 higher.
Here’s how much real Jerry customers pay for insurance in Oakland:

Real quotes for Jerry customers in Oakland, California

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
July 12, 2021Subaru Forester 2.5I LimitedCA50ClearCoverCustom$131/mo.$61/mo.
June 30, 2021Toyota Tacoma Double CabCA32ProgressiveCustom$150/mo.$105/mo.
August 25, 2021Ford Focus SECA36AllstateCustom$150/mo.$112/mo.
January 24, 2021Toyota Corolla BaseCA32TravelersPreferred$212/mo.$153/mo.
January 26, 2021Toyota PriusCA29National GeneralCustom$260/mo.$207/mo.
The best way to secure the right plan for lower premiums in Oakland is to shop around and compare quotes. Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inOakland have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Oakland, California

Insurance Company
Before Jerry
After Jerry
Dairyland$2,790$1,310
National General$2,486$1,406
Kemper$2,512$1,849
Nationwide$3,019$1,900
Allstate$2,924$1,940
Travelers$2,791$1,984
Safeco$3,703$2,976

Minimum coverage car insurance in Oakland

On average, the cost of minimum coverage car insurance in Oakland is $3,474 per year, or $289 per month.

The minimum level of car insurance required in Oakland is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an accident.
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Oakland:
Before Jerry
After Jerry
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,400$876
National General$6,000$1,135
Progressive$1,918$1,555
Allstate$2,857$1,755
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Full coverage car insurance in Oakland

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Oakland:
Before Jerry
After Jerry
$1,320$1,248
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Progressive$1,320$1,248
Travelers$2,544$1,836
Allstate$3,063$2,206
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How does your age affect your auto insurance cost in Oakland?

If you’re a driver under 25 in Oakland, you could be paying as much as $44 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Oakland saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$2,800$1,729
21-24$3,593$2,295
On the contrary, here’s how much drivers aged 25 and over in Oakland pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,975$1,850
35-44$2,142$1,383
45-54$3,630$3,100
55-64$3,834$1,664

Cheapest car insurance for drivers in Oakland with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Oakland saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,137$1,233
Other$3,840$1,380
Speeding under 15$2,771$1,732
Failure to Obey Traffic Sign$2,418$1,898
Suspension$6,000$2,046
Illegal Turn$2,820$2,736
Here’s how much drivers with a bad driving record in [Oakland saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,400$876
Progressive$2,588$1,674
Travelers$2,368$1,866
National General$3,080$1,962
Allstate$3,194$2,117

Cheapest car insurance for young drivers in Oakland with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,096$1,396
Here’s how much young drivers with a bad driving record in [Oakland saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Nationwide$2,400$876
Progressive$2,098$1,774
Allstate$3,670$2,435
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How can you save money on car insurance in Oakland

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Oakland you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
November 16, 2020Ford C-Max Premium SELCA47InfinityCurrent$272/mo.$56/mo.
April 30, 2021Infiniti G35CA19NationwideBasic$200/mo.$71/mo.
July 12, 2021Subaru Forester 2.5I LimitedCA50ClearCoverCustom$131/mo.$55/mo.
January 24, 2021Toyota Corolla BaseCA32TravelersPreferred$212/mo.$153/mo.
January 26, 2021Toyota PriusCA29National GeneralCustom$260/mo.$207/mo.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last twelve months.

Browse questions from our car experts

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