Oakland Auto Insurance Rates, Quotes, Agents & Reviews in CA

Oakland, CA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Oakland, CA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Oakland, CA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Oakland, CA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Oakland, CA with that of other cities in and around Oakland.

Oakland Emeryville Alameda San Leandro Moraga San Lorenzo
Average Insurance Rates $1,958 $1,898 $1,583 $1,555 $2,152 $1,913

Oakland, CA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Oakland, CA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Oakland $2,063 $1,743
Alameda $1,295 $1,094
Piedmont $2,697 $2,278
San Leandro $1,365 $1,153
Emeryville $1,901 $1,606
Moraga $2,100 $1,774
Ashland $1,477 $1,248
San Lorenzo $1,970 $1,664

Oakland, CA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Oakland, CA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $6,353
20 Years $2,516
30 Years $1,938
40 Years $1,864
50 Years $1,727
60 Years $1,751
70 Years $2,038

Oakland, CA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Oakland, CA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $3,407 $509
3 Vehicles $5,110 $764
4 Vehicles $6,814 $1,018

Savings on 2 Vehicles bundle:$509

Savings on 3 Vehicles bundle:$764

Savings on 4 Vehicles bundle:$1,018


Oakland, CA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Oakland, CA.

Location Average Insurance Cost Post DUI Insurance Rate
Oakland $1,958 $4,821
Alameda $1,583 $3,898
Piedmont $2,444 $6,018
San Leandro $1,555 $3,829
Emeryville $1,898 $4,673
Moraga $2,152 $5,299
Ashland $1,879 $4,626
San Lorenzo $1,913 $4,710

Oakland, CA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,680
Excellent (740-799) $1,918
Good (670-739) $2,040
Average (580-669) $2,662
Poor (300-579) $3,194

Oakland, CA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Dwayne Lopes Farmers 1250 45th St Ste 200, Emeryville, 94608 (510) 654-4949
Dave Stewart State Farm 821 Folsom St Ste 101, San Francisco, 94107-6110 415-982-9033
Julie La State Farm 3800 Park Blvd Ste 200, Oakland, 94602-1114 510-550-9775
Kim Mcguire Reid Farmers 4323 Piedmont Ave, Oakland, 94611 (510) 428-2016
Ruth Stroup Farmers 3560 Grand Ave, Oakland, 94610 (510) 874-5700
Ron Burks State Farm 220 Montgomery St Ste 480, San Francisco, 94104-3400 415-397-2994
S A Nichols Insurance Services Liberty Mutual Independent 20665 SANTA MARIA AVE, CASTRO VALLEY, 94546 (510) 889-0300
Lighthouse Risk & Insurance Solutions Inc Liberty Mutual Independent 2231 HARBOR BAY PKWY, ALAMEDA, 94502 (510) 596-3644
Lighthouse Risk & Insurance Solutions Inc Liberty Mutual Independent 2231 HARBOR BAY PKWY, ALAMEDA, 94502 (510) 596-3644

Oakland, CA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$86 $2,044
Driver's Failure In Showing Documents +$190 $2,148
Driving With An Expired Registration +$202 $2,160
Driving At A Considerably Slow Pace +$425 $2,383
Using A Cellphone While Driving +$448 $2,406
Running A Red Light +$456 $2,414
Speeding +$480 $2,438
Driving A Vehicle Without The Required Permission +$609 $2,567
Driving With An Expired/Suspended License +$1,320 $3,278

Oakland, CA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,880
Active Disabling Device $1,880
Tracking Device $1,841
Passive Disabling Device $1,821

Latest Auto Insurance Reviews in Oakland, CA | Back to Top

Geico
I put my daughter on my policy when she was a new driver and was ecstatic at the low price compared to my friend's insurance.
Geico
deductivable is ok but as good as other companies such as GEICO/STATE farm etc
Progressive
I had previously been with Geico. It seemed as though they offered all the same policy offerings.
Geico
Geico barely offers anything. They claim they have "small accident forgiveness" but it doesn't kick in for like 3 and a half years after the accident happens.
State Farm
My local office has always been responsive and helpful when I have had to contact them. I would give their customer service, at least on the local level, a high rating because of this.
Aaa
The AAA auto insurance gives very good offer but it is a bit pricey to pay out of pocket unless you are a veteran or currently active military then they will give discounts.
Geico
I like that Geico allows customers to pick their policy offerings easily on their web page. They offer high end coverage as well as bare bones coverage polices.
Progressive
A much better premium than any other company I have dealt with. They are really good to work with.. I rate them 1.
Geico
I think GEICO is a great company although I am not fond of the volume of their commercials as I am paying more due to that. Their service is top notch.
Geico
Other than the insurance provided for the cars I drive, I think that the commercials for Geico are super clever and enjoyable to watch. I really dont mind when they come on.
Amica Mutual Insurance
I have a normal policy, I have three cars, one has full coverage and the other two have just comprehension (since they are older) I like that they didn't pressure me to upgrade my insurance and that their prices are good compared to the prior company that I was using.
Aaa
I haven't had any issues with my insurance. They've been extremely helpful in many ways such as accidents and repairs. I do not have much to complain about them.
Geico
It is easy to talk to someone over the phone if I need to ask a question, but I also have the option of going online which is fast and easy to do when I want to.
Progressive
I can call or online chat twenty four hours a day with a representative. That's enough for me. I don't need to go to a physical store for my information.