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.

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.

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.

Cheapest car insurance for mature drivers in Oakland (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

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.

Cheapest car insurance for drivers with at-fault accidents in Oakland

Cheapest car insurance for drivers with a speeding ticket in Oakland

Cheapest car insurance for drivers with a DUI in Oakland

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.