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 |
| $38 | $452 | Progressive | 35 | June 22, 2025 | Oakland, CA | 94611 |
| $38 | $457 | Aspire Advantage | 48 | September 22, 2024 | Oakland, CA | 94609 |
| $40 | $478 | Progressive | 31 | July 2, 2025 | Oakland, CA | 94610 |
| $40 | $480 | National General | 48 | September 22, 2024 | Oakland, CA | 94609 |
| $40 | $480 | National General | 48 | September 21, 2024 | Oakland, CA | 94609 |
| $42 | $504 | Progressive | 35 | December 15, 2024 | Oakland, CA | 94607 |
| $43 | $518 | National General | 45 | November 22, 2024 | Oakland, CA | 94602 |
If you have a loan or lease on your vehicle, the lender will require
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
|
|---|---|---|---|---|---|---|---|
| $54 | $644 | Progressive | 34 | April 24, 2025 | Yes | Oakland, CA | 94610 |
| $67 | $802 | Safeco | 56 | August 12, 2024 | Yes | Oakland, CA | 94602 |
| $73 | $878 | National General | 34 | April 20, 2025 | Yes | Oakland, CA | 94602 |
| $96 | $1,155 | National General | 65 | June 17, 2025 | Yes | Oakland, CA | 94601 |
| $97 | $1,164 | Progressive | 74 | March 19, 2025 | Yes | Oakland, CA | 94612 |
| $100 | $1,205 | Progressive | 59 | June 15, 2025 | Yes | Oakland, CA | 94605 |
| $103 | $1,238 | Aspire Advantage | 34 | April 20, 2025 | Yes | Oakland, CA | 94602 |
| $104 | $1,252 | Progressive | 31 | May 18, 2025 | Yes | Oakland, CA | 94602 |
| $106 | $1,276 | Progressive | 44 | June 3, 2025 | Yes | Oakland, CA | 94619 |
| $107 | $1,286 | Aspire Advantage | 35 | June 27, 2025 | Yes | Oakland, CA | 94611 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
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 | $691 | National General | 29 | No | July 2, 2025 | Oakland, CA | 94606 |
| $58 | $692 | Progressive | 27 | No | January 1, 2025 | Oakland, CA | 94612 |
| $62 | $749 | Aspire Advantage | 29 | No | June 8, 2025 | Oakland, CA | 94603 |
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 |
| $35 | $424 | Progressive | 42 | No | May 28, 2025 | Oakland, CA | 94607 |
| $37 | $439 | Aspire Advantage | 53 | No | December 29, 2024 | Oakland, CA | 94605 |
| $38 | $451 | Aspire Advantage | 53 | No | November 28, 2024 | Oakland, CA | 94605 |
| $38 | $452 | Progressive | 35 | No | June 22, 2025 | Oakland, CA | 94611 |
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
|
|---|---|---|---|---|---|---|---|
| $35 | $426 | Progressive | 59 | No | June 15, 2025 | Oakland, CA | 94605 |
| $46 | $558 | Progressive | 60 | No | January 4, 2025 | Oakland, CA | 94605 |
| $47 | $567 | National General | 65 | No | June 17, 2025 | Oakland, CA | 94601 |
| $50 | $602 | National General | 56 | No | May 9, 2025 | Oakland, CA | 94610 |
| $51 | $615 | Aspire Advantage | 59 | No | December 20, 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 |
| $35 | $424 | Progressive | May 28, 2025 | No | Oakland, CA | 94607 | 42 |
| $37 | $439 | Aspire Advantage | December 29, 2024 | No | Oakland, CA | 94605 | 53 |
| $38 | $451 | Aspire Advantage | November 28, 2024 | No | Oakland, CA | 94605 | 53 |
| $38 | $452 | Progressive | June 22, 2025 | No | Oakland, CA | 94611 | 35 |
| $38 | $457 | Aspire Advantage | September 22, 2024 | No | Oakland, CA | 94609 | 48 |
| $40 | $480 | National General | September 21, 2024 | No | Oakland, CA | 94609 | 48 |
| $40 | $480 | National General | September 22, 2024 | No | Oakland, CA | 94609 | 48 |
| $42 | $504 | Progressive | December 15, 2024 | No | Oakland, CA | 94607 | 35 |
| $45 | $544 | Progressive | February 10, 2025 | No | Oakland, CA | 94608 | 38 |
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 | $51 | $614 | Aspire Advantage | 31 | No | May 18, 2025 | Oakland, CA | 94602 |
| At Fault With Injury | $52 | $624 | National General | 52 | No | May 21, 2025 | Oakland, CA | 94603 |
| At Fault With Injury | $58 | $691 | National General | 29 | No | July 2, 2025 | Oakland, CA | 94606 |
| At Fault With Injury | $62 | $747 | National General | 33 | No | March 6, 2025 | Oakland, CA | 94609 |
| At Fault With Injury | $63 | $751 | National General | 49 | No | June 26, 2025 | Oakland, CA | 94601 |
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 | $40 | $478 | Progressive | 31 | July 2, 2025 | Oakland, CA | 94610 |
| Speeding under 15 | $54 | $644 | Progressive | 34 | April 24, 2025 | Oakland, CA | 94610 |
| 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 |
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 | $79 | $943 | National General | 28 | March 27, 2025 | Oakland, CA | 94601 |
| DUI | $83 | $992 | Progressive | 35 | April 15, 2025 | Oakland, CA | 94607 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
