Car Insurance Cost in Oakland, CA for 2025

• Average car insurance cost in Oakland is $3,066 per year, which is 32% more than the national average rate of $2,221.
• Small crossovers like the Buick Encore, Toyota Corolla Cross, and Subaru Crosstrek are a few of the best options for cheap car insurance in Oakland.
• A few vehicles with segment-leading auto insurance rates in Oakland include the Nissan Titan at $2,868 per year, Toyota GR Corolla at $2,664 per year, Acura Integra at $2,726 per year, and Honda Passport at $2,442 per year.
• Car insurance quotes in Oakland can vary significantly from as low as $30 per month for liability-only insurance to over $663 per month for accident or violation-prone drivers.

How much does car insurance cost in Oakland?

In Oakland, California, average car insurance cost is $3,066 per year, which is 32% more than the national average rate of $2,221. Per month, Oakland drivers can expect to pay an average of $256 for a policy with full coverage.

In the state of California, the average cost to insure a vehicle is $2,842 per year, so the cost in Oakland averages $224 more per year.

The average cost to insure a car in Oakland is approximately $356 per year more expensive than in Fresno, $456 per year more expensive than in San Diego, and $14 per year cheaper than in San Francisco.

The chart below shows average Oakland car insurance cost broken out not only by driver age, but also by policy deductible amounts. Rates are averaged for all 2024 vehicle models including luxury vehicles.

Average rates in the chart range from $2,152 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $7,170 per year for a 20-year-old driver with $250 deductibles.

In this article, the rate used to compare the cost between models and locations is a 40-year-old driver with $500 comprehensive and collision coverage deductibles, which has an average cost of $3,066 per year.

As a monthly rate, car insurance cost in Oakland ranges from $179 to $598 for the same annual rate data shown in the chart above.

Oakland auto insurance rates can be extremely variable and are impacted by a lot of factors. Since there is so much rate volatility, this stresses the need to get accurate car insurance quotes when shopping for the cheapest car insurance coverage.

The age of the driver makes a big difference in the price you pay for car insurance, so the list below illustrates this point by showing the difference in average car insurance rates in Oakland based on the age of the driver.

Car insurance cost in Oakland for drivers age 16 to 60

• 16-year-old rated driver – $10,918 per year or $910 per month
• 17-year-old rated driver – $10,576 per year or $881 per month
• 18-year-old rated driver – $9,480 per year or $790 per month
• 19-year-old rated driver – $8,630 per year or $719 per month
• 20-year-old rated driver – $6,166 per year or $514 per month
• 30-year-old rated driver – $3,268 per year or $272 per month
• 40-year-old rated driver – $3,066 per year or $256 per month
• 50-year-old rated driver – $2,716 per year or $226 per month
• 60-year-old rated driver – $2,544 per year or $212 per month

The previous rates shown for drivers age 16 to 19 were based on the rated driver being male. The next chart goes into more detail for teenage car insurance rates and illustrates the average cost to insure teen drivers in Oakland, CA, by gender. In general, females have cheaper car insurance rates, in particular for ages 20 and below.

Auto insurance for a 16-year-old female in Oakland costs an average of $721 less per year than the cost for a 16-year-old male, while at age 19, the cost is still $1,330 less per year.

The next sections cover insurance rates for the most popular vehicles in Oakland, average rates by segment, and the cheapest models to insure in each segment. But first, let’s review the key concepts covered so far.

• Auto insurance with low deductibles costs more – A 40-year-old driver pays an average of $996 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Insurance for teens is expensive – Average cost can range from $7,300 to $10,918 per year for teen driver car insurance in Oakland.
• Oakland car insurance rates are more expensive than the California state average – $3,066 (Oakland average) compared to $2,842 (California average)
• Average cost per month ranges from $212 to $910 – That is the average auto insurance price range for insured drivers age 16 to 60 in Oakland.
• Auto insurance rates drop significantly from age 20 to 30 – The average 30-year-old Oakland, CA, driver will pay $2,898 less annually than a 20-year-old driver, $3,268 versus $6,166.
• Teenage girls pay cheaper rates than teen males – Female drivers age 16 to 19 pay $1,330 to $721 less per year than male drivers of the same age.

Which autos have the cheapest car insurance in Oakland?

When comparing rates for all cars, SUVs, and pickups, the vehicles with the best auto insurance rates in Oakland, CA, tend to be small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross.

Average insurance quotes for those models cost $2,665 or less per year for full coverage car insurance.

Other models that rank towards the top in the cost comparison table below are the Ford Bronco Sport, Volkswagen Tiguan, Buick Envista, and Kia Niro.

The average insurance cost is a few dollars per month higher for those models than the cheapest crossovers and compact SUVs that rank near the top, but they still have average rates of $2,857 or less per year, or $238 per month in Oakland.

The table below details the vehicles with the cheapest overall insurance rates in Oakland, ordered starting with the cheapest.

A table showing 50 vehicle rankings is great if you’re just looking for low rates. Due to the fact that we track over 700 vehicles, the majority of models get omitted from the list. Let’s try a different approach and show the models with the cheapest rates in Oakland in a format that makes more sense, by vehicle segment.

This next section details the average cost of auto insurance by vehicle segment. The rates shown will give you a decent understanding of which vehicles have the overall best Oakland car insurance rates. Then the six subsequent sections break out and rank the 20 vehicles with the cheapest insurance rates in each unique segment.

Average rates by automotive segment

If you’re looking around at new or used cars, it is useful to know which types of vehicles have better insurance rates.

For example, some common questions are if midsize cars have cheaper car insurance than full-size cars or if full-size pickups are more expensive to insure than midsize pickups.

The chart below displays the average cost of auto insurance rates in Oakland for different vehicle segments. As a general rule, compact and midsize SUVs, vans, and midsize pickups tend to have the most affordable average rates, while exotic high-performance models have the most expensive insurance.

Rates by segment are handy to form a general comparison, but the insurance cost for specific vehicles ranges quite a lot within each segment displayed above.

For example, in the midsize luxury SUV segment, Oakland car insurance rates range from the Jaguar E-Pace at $2,866 per year up to the Mercedes-Benz AMG GLE63 at $5,168 per year, a difference of $2,302 within that segment. In the large SUV segment, rates range from the Chevrolet Tahoe at $2,878 per year to the Toyota Sequoia costing $3,836 per year.

In these next sections, we remove some of this variability by looking at auto insurance cost in Oakland at a model level.

Cars with the cheapest auto insurance in Oakland, California

The cheapest non-luxury sedans to insure in Oakland are the Toyota GR Corolla at $2,664 per year, the Nissan Leaf at $2,682 per year, and the Honda Civic at $2,712 per year.

Additional models that rank well in our comparison are the Chevrolet Malibu, Toyota Corolla, Kia K5, and Toyota Prius, with an average cost to insure of $2,986 per year or less.

Ranked in the bottom half of the top 20 cheapest cars to insure, models like the Mazda 3, Nissan Versa, Volkswagen Jetta, Mitsubishi Mirage G4, and Volkswagen Arteon cost between $2,986 and $3,168 per year to insure.

From a cost per month standpoint, full-coverage auto insurance in this segment for the average driver starts at around $222 per month, depending on the company and your Oakland Zip Code.

When the car segment is analyzed by vehicle size, the cheapest compact car to insure in Oakland is the Toyota GR Corolla at $2,664 per year, or $222 per month. For midsize cars, the Kia K5 has the best rates at $2,952 per year, or $246 per month. And for large cars, the Chrysler 300 has the most affordable rates at $2,920 per year, or $243 per month.

The next table ranks the twenty cars with the cheapest auto insurance rates in Oakland, starting with the Toyota GR Corolla at $2,664 per year and ending with the Mazda 3 at $3,168 per year.

The most popular vehicles in Oakland frequently have pricier auto insurance rates. Some of the more popular non-luxury cars that were excluded from the top 20 list above include the Volkswagen Jetta costing $3,100 per year ($258 per month), the Nissan Maxima costing an average of $3,438 ($287 per month), the Tesla Model 3 costing an average of $3,600 ($300 per month), and the Chrysler 300 costing $3,006 ($251 per month).

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see your car in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Oakland car insurance quotes from the best companies in California.

SUVs with cheap auto insurance in Oakland, CA

The cheapest non-luxury SUVs to insure in Oakland are the Subaru Crosstrek at $2,264 per year, the Chevrolet Trailblazer at $2,302 per year, and the Kia Soul at $2,392 per year.

Additional models that have affordable insurance rates are the Ford Bronco Sport, Toyota Corolla Cross, Mazda CX-5, and Hyundai Venue, with an average cost to insure of $2,510 per year or less.

On a monthly basis, auto insurance on this segment will start around $189 per month, depending on your location in Oakland.

The table below ranks the twenty SUVs with the most affordable average auto insurance rates in Oakland, starting with the Subaru Crosstrek at $189 per month and ending with the Subaru Ascent at $222 per month.

A few popular SUVs with more expensive car insurance rates than the models shown above include the Jeep Wrangler at an average of $3,500 per year ($292 per month), the Kia Sorento costing an average of $2,908 ($242 per month), and the GMC Yukon costing $3,298 ($275 per month).

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your SUV in the list? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Oakland car insurance quotes from top car insurance companies in California.

Which pickup trucks have the most affordable insurance in Oakland, CA?

The Chevrolet Colorado takes the #1 ranking as the cheapest pickup truck to insure in Oakland, followed by the Nissan Titan, Nissan Frontier, Ford Ranger, and Ford Maverick. The 2024 model costs an average of $2,700 per year for a full-coverage insurance policy.

Also ranking well are trucks like the Hyundai Santa Cruz, GMC Sierra 2500 HD, Honda Ridgeline, and Toyota Tacoma, with average annual insurance rates of $3,152 per year or less.

Full-coverage insurance in this segment for a good driver starts at around $225 per month, depending on your exact location.

The table below ranks the twenty pickups with the most affordable average insurance rates in Oakland, starting with the Chevrolet Colorado at $2,700 per year and ending with the Ram Truck at $3,544 per year.

See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.

Is your pickup truck not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Oakland car insurance quotes from the best companies in California.

Luxury cars with the best auto insurance rates

The four cheapest luxury cars to insure in Oakland are the Acura Integra at $2,726 per year, BMW 330i at $3,120 per year, Mercedes-Benz CLA250 at $3,154 per year, and Lexus IS 300 at $3,158 per year.

Additional models that have affordable insurance rates include the Genesis G70, Cadillac CT4, Lexus RC 300, and Mercedes-Benz AMG CLA35, with average rates of $3,222 per year or less.

Some additional luxury cars that make the list include the Lexus ES 250, Lexus IS 350, Lexus ES 300h, and BMW 228i, which cost between $3,222 and $3,436 per year for auto insurance in Oakland.

Car insurance for this segment in Oakland starts at around $227 per month, depending on exactly where you live.

The next table ranks the cars with the cheapest auto insurance rates in Oakland, starting with the Acura Integra at $2,726 per year ($227 per month) and ending with the Audi S3 at $3,436 per year ($286 per month).

For more luxury car insurance comparisons, see our complete guide for luxury car insurance.

Don’t see your luxury car? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in California.

Which luxury SUVs have cheap insurance rates in Oakland, CA?

The four top-ranked luxury SUVs with the cheapest insurance rates in Oakland are the Acura RDX at $2,564 per year, Lexus NX 250 at $2,712 per year, Cadillac XT4 at $2,766 per year, and Jaguar E-Pace at $2,866 per year.

Other luxury SUVs that have cheaper rates are the Lexus UX 250h, Lincoln Corsair, Lexus NX 350h, and Mercedes-Benz GLB 250, with average rates of $2,956 per year or less.

Some additional 2024 models that make the list include the Land Rover Evoque, Mercedes-Benz AMG GLB35, Infiniti QX50, Cadillac XT6, and Mercedes-Benz GLA35 AMG, which average between $2,956 and $3,078 per year for insurance.

As a cost per month, full-coverage insurance on luxury SUV models for a safe driver will start around $214 per month, depending on the company and your Oakland Zip Code.

The most affordable small luxury SUV to insure in Oakland is the Acura RDX at $2,564 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $2,866 per year. And for large luxury SUVs, the Infiniti QX80 has the most affordable rates at $3,436 per year.

The next table ranks the SUVs with the most affordable average car insurance rates in Oakland, starting with the Acura RDX at $2,564 per year ($214 per month) and ending with the Lexus RX 350 at $3,078 per year ($257 per month).

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see your luxury SUV in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Oakland car insurance quotes from top-rated companies in California.

Sports cars with affordable insurance rates

Ranking at the top of the list for the most affordable Oakland auto insurance rates in the sports car segment are the Toyota GR86, Ford Mustang, Subaru WRX, Mazda MX-5 Miata, and BMW Z4. Auto insurance quotes for these 2024 models average $3,438 or less per year.

Other cars that have affordable average insurance rates are the BMW M2, Lexus RC F, Nissan Z, and Toyota GR Supra, with average cost of $3,664 per year or less.

On a monthly basis, full-coverage insurance on the sports car segment in Oakland for the average driver starts at around $236 per month, depending on the company and your location.

The next table ranks the twenty sports cars with the most affordable insurance in Oakland, starting with the Mazda MX-5 Miata at $2,836 per year and ending with the Porsche Taycan at $5,190 per year.

Don’t see rates for your sports car? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in California.

Auto insurance cost examples

In an effort to show the amount auto insurance premiums can range from one person to the next, the sections below visualize detailed car insurance rates for three popular models in Oakland: the Toyota Corolla, Nissan Rogue, and Kia Sorento.

The example for each vehicle displays average rates for a range of driver profiles to demonstrate the difference in average cost based on multiple scenarios.

Toyota Corolla insurance rates

In Oakland, Toyota Corolla insurance costs an average of $2,986 per year (about $249 per month) and varies from $2,476 to $6,844.

The Toyota Corolla is part of the compact car segment, and other popular same-segment models include the Chevrolet Cruze, Volkswagen Jetta, and Hyundai Elantra.

Nissan Rogue insurance rates

In Oakland, Nissan Rogue insurance averages $2,752 per year (about $229 per month) and has a range of $2,288 to $6,294.

The Nissan Rogue is part of the compact SUV segment, and additional similar models from the same segment include the Ford Escape, Subaru Forester, and Honda CR-V.

Kia Sorento insurance rates

Auto insurance for a Kia Sorento in Oakland averages $2,908 per year ($242 per month) and has a range of $2,418 to $6,678 per year.

The Kia Sorento is considered a midsize SUV, and other models in that segment include the Ford Edge, Toyota Highlander, and Honda Pilot.

Helpful tips to save on auto insurance

Smart drivers in Oakland are always searching for ways to cut the monthly cost of car insurance, so study the savings tips in this next list and see if you can save some money.

• Avoid driving violations to reduce policy cost. In order to have the cheapest car insurance in Oakland, it pays to drive safe. In fact, just one or two minor driving infractions have the ramification of increasing the cost of a policy by at least $814 per year. Serious moving violations such as DWI/DUI and reckless driving could raise rates by an additional $2,844 or more.
• Research policy discounts to save money. Discounts may be available if the insureds insure multiple vehicles on the same policy, are homeowners, are loyal customers, insure their home and car with the same company, drive a vehicle with safety or anti-theft features, or many other policy discounts which could save the average Oakland driver as much as $520 per year on the cost of car insurance
• Compare the cost of insurance before buying a car. Different models, and even different trim levels of the same model, have very different costs for insurance, and auto insurance companies can price policies with very different rates. Get plenty of quotes to compare the cost of insurance before you buy a new car in order to prevent any surprises when you receive your first bill.
• The higher the deductibles, the lower the cost. Increasing your policy deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
• Excellent credit scores get the best rates. Having a high credit score of 800+ could save up to $481 per year over a slightly lower credit rating between 670-739. Conversely, a less-than-perfect credit score could cost around $558 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Choose vehicles that have low cost car insurance. Vehicle type has a big impact on the cost of car insurance. For example, a Subaru Impreza costs $2,912 less per year to insure in Oakland than a Acura NSX. Insure cheaper models and save money.
• Your choice of occupation could save you money. The large majority of auto insurance companies offer policy discounts for specific occupations like emergency medical technicians, firefighters, doctors, accountants, architects, police officers and law enforcement, and others. Qualifying for an occupational discount may save between $92 and $298 on your annual car insurance cost, depending on your policy.