Cheap Car Insurance in Oakland

Written by Xuyun Zeng and 1 other
Updated Jul 23, 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 Quote
City, State
ZIP Code
$29 $346 Aspire Advantage 55 March 31, 2025 Oakland, CA 94611
$32 $388 Aspire Advantage 45 April 2, 2025 Oakland, CA 94602
$34 $404 Aspire Advantage 29 July 2, 2025 Oakland, CA 94611
$36 $430 Progressive 60 March 13, 2025 Oakland, CA 94618
$38 $452 Aspire Advantage 36 June 9, 2025 Oakland, CA 94602
$39 $470 Geico 50 July 15, 2025 Oakland, CA 94610
$39 $473 Progressive 65 June 17, 2025 Oakland, CA 94601
$41 $488 Aspire Advantage 31 May 5, 2025 Oakland, CA 94611
$42 $506 Mercury 65 June 17, 2025 Oakland, CA 94601
$42 $508 Progressive 40 April 1, 2025 Oakland, CA 94618
Last Updated Jul 30, 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 Quote
Has Full Coverage
City, State
ZIP Code
$42 $506 Mercury 65 June 17, 2025 Yes Oakland, CA 94601
$61 $738 Mercury 55 July 3, 2025 Yes Oakland, CA 94608
$66 $788 Mercury 45 June 28, 2025 Yes Oakland, CA 94605
$68 $816 Mercury 60 July 16, 2025 Yes Oakland, CA 94610
$74 $890 Mercury 50 July 18, 2025 Yes Oakland, CA 94611
$82 $980 Mercury 34 July 6, 2025 Yes Oakland, CA 94607
$86 $1,037 Mercury 42 June 20, 2025 Yes Oakland, CA 94611
$87 $1,044 Aspire Advantage 45 June 28, 2025 Yes Oakland, CA 94605
$87 $1,050 Progressive 45 June 28, 2025 Yes Oakland, CA 94605
$88 $1,058 Mercury 54 July 20, 2025 Yes Oakland, CA 94610
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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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 Quote
City, State
ZIP Code
$34 $404 Aspire Advantage 29 No July 2, 2025 Oakland, CA 94611
$39 $464 Aspire Advantage 28 No July 25, 2025 Oakland, CA 94602
$40 $475 Geico 26 No April 10, 2025 Oakland, CA 94611
$40 $477 Geico 26 No July 1, 2025 Oakland, CA 94612
$41 $496 Progressive 26 No July 9, 2025 Oakland, CA 94606
Last Updated Jul 30, 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 Quote
City, State
ZIP Code
$28 $331 Geico 32 No May 30, 2025 Oakland, CA 94610
$30 $359 Aspire Advantage 47 No July 1, 2025 Oakland, CA 94611
$31 $369 Progressive 42 No May 28, 2025 Oakland, CA 94607
$32 $388 Aspire Advantage 45 No April 2, 2025 Oakland, CA 94602
$33 $396 Geico 33 No April 7, 2025 Oakland, CA 94610
Last Updated Jul 30, 2025

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

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$29 $346 Aspire Advantage 55 No March 31, 2025 Oakland, CA 94611
$36 $430 Progressive 60 No March 13, 2025 Oakland, CA 94618
$37 $438 ROOT 74 No March 1, 2025 Oakland, CA 94603
$38 $460 Geico 62 No July 22, 2025 Oakland, CA 94605
$39 $462 Geico 57 No July 1, 2025 Oakland, CA 94607
Last Updated Jul 30, 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 Quote
Has Full Coverage
City, State
ZIP Code
Age
$28 $331 Geico May 30, 2025 No Oakland, CA 94610 32
$29 $346 Aspire Advantage March 31, 2025 No Oakland, CA 94611 55
$30 $359 Aspire Advantage July 1, 2025 No Oakland, CA 94611 47
$31 $369 Progressive May 28, 2025 No Oakland, CA 94607 42
$32 $388 Aspire Advantage April 2, 2025 No Oakland, CA 94602 45
$33 $396 Geico April 7, 2025 No Oakland, CA 94610 33
$33 $397 Geico April 1, 2025 No Oakland, CA 94618 40
$34 $404 Mercury June 20, 2025 No Oakland, CA 94611 42
$34 $404 Aspire Advantage July 2, 2025 No Oakland, CA 94611 29
$34 $413 Geico May 18, 2025 No Oakland, CA 94612 40
Last Updated Jul 30, 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 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 11, 2025 Oakland, CA 94606
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
Last Updated Jul 24, 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 $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 $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
Speeding under 15 $63 $751 National General 49 June 26, 2025 Oakland, CA 94601
Last Updated Jul 24, 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 $79 $943 National General 28 March 27, 2025 Oakland, CA 94601
DUI $83 $992 Progressive 35 April 15, 2025 Oakland, CA 94607
Last Updated Jul 24, 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.