Cheap Car Insurance in Oakland

Written by Xuyun Zeng and 1 other
Updated Jan 4, 2025
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Cheap Car Insurance in Oakland

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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
$36 $436 Progressive 38 March 18, 2025 Oakland, CA 94607
$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
$46 $550 Aspire Advantage 45 June 10, 2024 Oakland, CA 94602
$46 $552 Aspire Advantage 36 May 20, 2024 Oakland, CA 94602
$46 $558 Progressive 60 January 4, 2025 Oakland, CA 94605
$47 $560 Aspire Advantage 52 January 24, 2025 Oakland, CA 94611
$52 $627 National General 37 September 18, 2024 Oakland, CA 94601
Last Updated May 6, 2025

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.

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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
$53 $632 Progressive 74 March 19, 2025 Yes Oakland, CA 94612
$77 $922 Progressive 27 April 18, 2025 Yes Oakland, CA 94612
$86 $1,028 Progressive 25 February 9, 2025 Yes Oakland, CA 94612
$88 $1,056 Progressive 31 April 25, 2025 Yes Oakland, CA 94609
$90 $1,082 Progressive 36 January 28, 2025 Yes Oakland, CA 94610
$96 $1,154 Progressive 44 April 19, 2025 Yes Oakland, CA 94608
$101 $1,210 National General 39 February 24, 2025 Yes Oakland, CA 94621
$108 $1,292 Progressive 45 May 4, 2025 Yes Oakland, CA 94608
$119 $1,432 Progressive 46 April 24, 2025 Yes Oakland, CA 94611
$127 $1,528 National General 40 March 26, 2025 Yes Oakland, CA 94610
Last Updated May 6, 2025

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
$62 $744 Anchor General 27 No December 31, 2024 Oakland, CA 94609
$62 $744 Anchor General 27 No December 28, 2024 Oakland, CA 94609
$69 $823 Aspire Advantage 28 No June 18, 2024 Oakland, CA 94603
$74 $889 National General 28 No February 4, 2025 Oakland, CA 94601
$77 $920 National General 23 No February 28, 2025 Oakland, CA 94602
Last Updated May 6, 2025

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
$36 $436 Progressive 38 No March 18, 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
$42 $504 Progressive 35 No December 15, 2024 Oakland, CA 94607
$43 $518 National General 45 No November 22, 2024 Oakland, CA 94602
Last Updated May 6, 2025

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
$53 $632 Progressive 74 Yes March 19, 2025 Oakland, CA 94612
$55 $664 Progressive 67 No February 27, 2025 Oakland, CA 94612
$55 $664 Progressive 67 No February 25, 2025 Oakland, CA 94612
$57 $686 Progressive 77 No January 10, 2025 Oakland, CA 94621
Last Updated May 6, 2025

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
$36 $436 Progressive March 18, 2025 No Oakland, CA 94607 38
$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
$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
$52 $627 National General September 18, 2024 No Oakland, CA 94601 37
$53 $632 Aspire Advantage March 2, 2024 No Oakland, CA 94605 53
$53 $632 Progressive March 19, 2025 Yes Oakland, CA 94612 74
Last Updated May 6, 2025

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 Injury $62 $747 National General 33 No March 6, 2025 Oakland, CA 94609
At Fault With Injury $66 $789 National General 76 No October 13, 2024 Oakland, CA 94602
At Fault With No Injury $67 $808 Bristol West 31 No February 9, 2024 Oakland, CA 94601
At Fault With No Injury $69 $828 Aspire Advantage 47 No January 12, 2024 Oakland, CA 94605
At Fault With Injury $69 $830 Aspire Advantage 37 No December 17, 2024 Oakland, CA 94612
Last Updated May 6, 2025

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 $62 $740 Aspire Advantage 34 April 5, 2024 Oakland, CA 94609
Speeding under 15 $63 $762 Aspire Advantage 34 April 20, 2025 Oakland, CA 94610
Speeding under 15 $69 $828 Aspire Advantage 47 January 12, 2024 Oakland, CA 94605
Speeding under 15 $78 $931 Aspire Advantage 47 October 29, 2024 Oakland, CA 94605
Last Updated May 6, 2025

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 $96 $1,152 National General 49 April 3, 2025 Oakland, CA 94619
DUI $104 $1,246 Aspire Advantage 45 June 12, 2024 Oakland, CA 94603
Last Updated May 6, 2025

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.