If getting around the East Bay is part of your weekly routine, you may have to navigate multiple freeways like the Nimitz, Interstate 80 and State Route 24. The area is known for the Bay Bridge, narrow and hilly roads, and occasional weather hazards like fog, rain and strong winds, making quality car insurance a must-have for Oakland drivers.
Because the East Bay is a high-traffic, urban area, drivers there may pay higher insurance rates than those in more rural cities, which means you may have to cost compare with multiple insurers to find the best rate.
We’ve gathered data from Jerry customers in Oakland to show you how rates can vary based on your age, driving history and even location within the city so you can rate shop confidently.
Cheapest minimum coverage insurance in Oakland
California requires drivers to carry the following coverages:
- $30,000 per person for bodily injury liability.
- $60,000 for bodily injury per accident for multiple persons injured.
- $15,000 for property damage liability per accident.
Here are some quotes from Jerry customers in Oakland who opted for the minimum coverage.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $35 | $418 | Progressive | 52 | February 1, 2025 | Oakland, CA | 94610 |
| $37 | $439 | Aspire Advantage | 53 | December 29, 2024 | Oakland, CA | 94605 |
| $38 | $451 | Aspire Advantage | 53 | November 28, 2024 | Oakland, CA | 94605 |
| $42 | $504 | Progressive | 35 | December 15, 2024 | Oakland, CA | 94607 |
| $43 | $518 | National General | 45 | November 22, 2024 | Oakland, CA | 94602 |
| $45 | $544 | Progressive | 38 | February 10, 2025 | Oakland, CA | 94608 |
| $46 | $550 | Aspire Advantage | 45 | June 10, 2024 | Oakland, CA | 94602 |
| $46 | $552 | Aspire Advantage | 36 | May 20, 2024 | Oakland, CA | 94602 |
| $46 | $554 | National General | 34 | December 16, 2024 | Oakland, CA | 94602 |
| $46 | $558 | Progressive | 60 | January 4, 2025 | Oakland, CA | 94605 |
If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
Cheapest full coverage insurance in Oakland
Full coverage in Oakland includes both the minimum required insurance as well as collision and comprehensive coverages.
Collision pays for repairs to your vehicle if you’re in an accident, regardless of who’s at-fault. Comprehensive pays out if your car is flooded, involved in a collision with an animal or stolen.
These are some of the cheapest quotes for full coverage policies that Oakland residents have received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $67 | $802 | Safeco | 56 | August 12, 2024 | Yes | Oakland, CA | 94602 |
| $86 | $1,028 | Progressive | 25 | February 9, 2025 | Yes | Oakland, CA | 94612 |
| $90 | $1,082 | Progressive | 36 | January 28, 2025 | Yes | Oakland, CA | 94610 |
| $121 | $1,458 | Aspire Advantage | 57 | October 14, 2024 | Yes | Oakland, CA | 94607 |
| $132 | $1,580 | National General | 49 | October 1, 2024 | Yes | Oakland, CA | 94601 |
| $134 | $1,602 | Anchor General | 34 | November 20, 2024 | Yes | Oakland, CA | 94609 |
| $136 | $1,632 | Progressive | 56 | August 12, 2024 | Yes | Oakland, CA | 94602 |
| $148 | $1,779 | National General | 40 | November 20, 2024 | Yes | Oakland, CA | 94603 |
| $148 | $1,779 | National General | 40 | October 18, 2024 | Yes | Oakland, CA | 94603 |
| $152 | $1,822 | National General | 40 | January 3, 2025 | Yes | Oakland, CA | 94603 |
Cheapest car insurance for young drivers in Oakland (18-29 years old)
Young Oakland residents between 18 and 29 years old can expect to pay more for their auto insurance policies than older drivers because insurers view their limited time on the road as a risk.
That means you may have to rate shop with multiple insurers to find the cheapest coverage. Here are the cheapest quotes that young Oakland residents received via Jerry.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $52 | $629 | Aspire Advantage | 29 | No | October 2, 2024 | Oakland, CA | 94601 |
| $57 | $683 | Aspire Advantage | 29 | No | August 1, 2024 | Oakland, CA | 94611 |
| $58 | $692 | Progressive | 27 | No | January 1, 2025 | Oakland, CA | 94612 |
| $58 | $700 | Aspire Advantage | 29 | No | December 30, 2024 | Oakland, CA | 94605 |
| $62 | $744 | Anchor General | 27 | No | December 28, 2024 | Oakland, CA | 94609 |
Cheapest car insurance for mature drivers in Oakland (30-54 years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $35 | $418 | Progressive | 52 | No | February 1, 2025 | Oakland, CA | 94610 |
| $37 | $439 | Aspire Advantage | 53 | No | December 29, 2024 | Oakland, CA | 94605 |
| $38 | $451 | Aspire Advantage | 53 | No | November 28, 2024 | Oakland, CA | 94605 |
| $42 | $504 | Progressive | 35 | No | December 15, 2024 | Oakland, CA | 94607 |
| $43 | $518 | National General | 45 | No | November 22, 2024 | Oakland, CA | 94602 |
Cheapest car insurance for older drivers (55+ years old)
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $46 | $558 | Progressive | 60 | No | January 4, 2025 | Oakland, CA | 94605 |
| $51 | $615 | Aspire Advantage | 59 | No | December 20, 2024 | Oakland, CA | 94605 |
| $51 | $618 | Progressive | 56 | No | February 1, 2025 | Oakland, CA | 94601 |
| $55 | $661 | Aspire Advantage | 61 | No | November 9, 2024 | Oakland, CA | 94605 |
| $55 | $661 | Aspire Advantage | 61 | No | December 2, 2024 | Oakland, CA | 94605 |
Cheapest car insurance for drivers with clean records in Oakland
Insurers often give the best rates to drivers with no claims or violations on their records. Here are the cheapest quotes that Jerry customers with clean driving records have received.
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
Age
|
|---|---|---|---|---|---|---|---|
| $35 | $418 | Progressive | February 1, 2025 | No | Oakland, CA | 94610 | 52 |
| $37 | $439 | Aspire Advantage | December 29, 2024 | No | Oakland, CA | 94605 | 53 |
| $38 | $451 | Aspire Advantage | November 28, 2024 | No | Oakland, CA | 94605 | 53 |
| $42 | $504 | Progressive | December 15, 2024 | No | Oakland, CA | 94607 | 35 |
| $45 | $544 | Progressive | February 10, 2025 | No | Oakland, CA | 94608 | 38 |
| $46 | $552 | Aspire Advantage | May 20, 2024 | No | Oakland, CA | 94602 | 36 |
| $46 | $558 | Progressive | January 4, 2025 | No | Oakland, CA | 94605 | 60 |
| $47 | $560 | Aspire Advantage | January 24, 2025 | No | Oakland, CA | 94611 | 52 |
| $51 | $607 | National General | October 17, 2024 | No | Oakland, CA | 94602 | 34 |
| $51 | $615 | National General | October 19, 2024 | No | Oakland, CA | 94601 | 41 |
Cheapest car insurance for drivers with at-fault accidents in Oakland
|
At-fault Accident on Record
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $58 | $700 | Aspire Advantage | 29 | No | December 30, 2024 | Oakland, CA | 94605 |
| At Fault With Injury | $63 | $755 | Aspire Advantage | 30 | No | December 8, 2024 | Oakland, CA | 94603 |
| At Fault With No Injury | $65 | $782 | National General | 42 | No | September 23, 2024 | Oakland, CA | 94612 |
| At Fault With Injury | $66 | $789 | National General | 76 | No | October 13, 2024 | Oakland, CA | 94602 |
| At Fault With No Injury | $66 | $796 | Aspire Advantage | 56 | No | May 2, 2024 | Oakland, CA | 94619 |
Cheapest car insurance for drivers with a speeding ticket in Oakland
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $58 | $692 | Aspire Advantage | 33 | June 25, 2024 | Oakland, CA | 94606 |
| Speeding under 15 | $59 | $710 | National General | 49 | September 24, 2024 | Oakland, CA | 94618 |
| Speeding under 15 | $62 | $740 | Aspire Advantage | 34 | April 5, 2024 | Oakland, CA | 94609 |
| Speeding under 15 | $66 | $796 | Aspire Advantage | 56 | May 2, 2024 | Oakland, CA | 94619 |
| Speeding under 15 | $69 | $828 | Aspire Advantage | 47 | January 12, 2024 | Oakland, CA | 94605 |
Cheapest car insurance for drivers with a DUI in Oakland
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $72 | $868 | Aspire Advantage | 36 | September 14, 2024 | Oakland, CA | 94621 |
| DUI | $74 | $890 | Aspire Advantage | 36 | July 28, 2024 | Oakland, CA | 94621 |
| DUI | $78 | $932 | Bristol West | 45 | June 12, 2024 | Oakland, CA | 94603 |
| DUI | $104 | $1,246 | Aspire Advantage | 45 | June 12, 2024 | Oakland, CA | 94603 |
| DUI | $107 | $1,282 | National General | 49 | June 11, 2024 | Oakland, CA | 94605 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.
