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.
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 Rates
- Oakland, CA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Oakland, CA
- Multi Vehicle Insurance Savings in Oakland, CA
- How Credit Score Affects Car Insurance Rates in Oakland, CA
- How DUI Affects Auto Insurance Premiums in Oakland, CA
- Top Auto Insurance Agents Near Oakland, CA
- How Driving Violations Affect Auto Insurance Rates in Oakland, CA
- Oakland, CA Auto Insurance Discounts on Anti Theft Feature
- Oakland, CA Auto Insurance Company Reviews
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
GeicoI 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.
Geicodeductivable is ok but as good as other companies such as GEICO/STATE farm etc
ProgressiveI had previously been with Geico. It seemed as though they offered all the same policy offerings.
GeicoGeico 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 FarmMy 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.
AaaThe 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.
GeicoI 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.
ProgressiveA much better premium than any other company I have dealt with. They are really good to work with.. I rate them 1.
GeicoI 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.
GeicoOther 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 InsuranceI 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.
AaaI 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.
GeicoIt 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.
ProgressiveI 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.