- Average car insurance cost in Oakland is $2,156 per year, which is 37.6% more than the national average rate of $1,567.
- Small crossovers like the Toyota Corolla Cross, Buick Encore, and Mazda CX-5 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 Ford F150 at $2,088 per year, Subaru Impreza at $1,872 per year, Mercedes-Benz A220 at $2,118 per year, and Honda Passport at $1,734 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 $2,156 per year, which is 37.6% more than the national average rate of $1,567. Per month, Oakland drivers can expect to pay an average of $180 for a policy with full coverage.
In the state of California, the average cost to insure a vehicle is $1,744 per year, so the cost in Oakland averages $412 more per year.
The average cost to insure a car in Oakland is approximately $344 per year more expensive than in Fresno, $442 per year more expensive than in San Diego, and $16 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 2022 vehicle models including luxury vehicles.
Average rates in the chart range from $1,634 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $4,962 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 $2,156 per year.
As a monthly rate, car insurance cost in Oakland ranges from $136 to $414 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 – $7,726 per year or $644 per month
- 17-year-old rated driver – $7,218 per year or $602 per month
- 18-year-old rated driver – $6,738 per year or $562 per month
- 19-year-old rated driver – $6,096 per year or $508 per month
- 20-year-old rated driver – $4,280 per year or $357 per month
- 30-year-old rated driver – $2,270 per year or $189 per month
- 40-year-old rated driver – $2,156 per year or $180 per month
- 50-year-old rated driver – $1,960 per year or $163 per month
- 60-year-old rated driver – $1,928 per year or $161 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 $924 less per year than the cost for a 16-year-old male, while at age 19, the cost is still $676 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 $538 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
- Insurance for teens is expensive – Average cost can range from $5,420 to $7,726 per year for teen driver car insurance in Oakland.
- Oakland car insurance rates are more expensive than the California state average – $2,156 (Oakland average) compared to $1,744 (California average)
- Average cost per month ranges from $128 to $512 – 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 $1,596 less annually than a 20-year-old driver, $1,804 versus $3,400.
- Teenage girls pay cheaper rates than teen males – Female drivers age 16 to 19 pay $676 to $924 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 Mazda CX-5, Nissan Kicks, and Buick Encore.
Average insurance quotes for those models cost $2,128 or less per year for full coverage car insurance.
Other models that rank towards the top in the cost comparison table below are the Hyundai Venue, Buick Envision, Hyundai Kona, and Mazda MX-5 Miata.
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 $2,214 or less per year, or $185 per month in Oakland.
The table below details the vehicles with the cheapest overall insurance rates in Oakland, ordered starting with the cheapest.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,640 | $137 |
| 2 | Nissan Kicks | $1,680 | $140 |
| 3 | Chevrolet Trailblazer | $1,690 | $141 |
| 4 | Subaru Crosstrek | $1,732 | $144 |
| 5 | Honda Passport | $1,734 | $145 |
| 6 | Toyota C-HR | $1,772 | $148 |
| 7 | Chevrolet Colorado | $1,776 | $148 |
| 8 | Buick Encore | $1,782 | $149 |
| 9 | Nissan Rogue Sport | $1,798 | $150 |
| 10 | Hyundai Venue | $1,830 | $153 |
| 11 | Buick Envision | $1,834 | $153 |
| 12 | Kia Seltos | $1,836 | $153 |
| 13 | Ford Maverick | $1,844 | $154 |
| 14 | Acura RDX | $1,850 | $154 |
| 15 | Toyota Corolla Cross | $1,850 | $154 |
| 16 | Subaru Ascent | $1,852 | $154 |
| 17 | Hyundai Kona | $1,862 | $155 |
| 18 | Subaru Forester | $1,868 | $156 |
| 19 | Mazda MX-5 Miata | $1,870 | $156 |
| 20 | Subaru Impreza | $1,872 | $156 |
| 21 | Volkswagen Tiguan | $1,872 | $156 |
| 22 | Chevrolet Spark | $1,880 | $157 |
| 23 | Honda CR-V | $1,886 | $157 |
| 24 | Cadillac XT4 | $1,896 | $158 |
| 25 | Mazda CX-30 | $1,906 | $159 |
| 26 | Ford Ranger | $1,916 | $160 |
| 27 | Honda HR-V | $1,940 | $162 |
| 28 | Ford Edge | $1,944 | $162 |
| 29 | Ford Ecosport | $1,954 | $163 |
| 30 | Chevrolet Trax | $1,978 | $165 |
| 31 | Subaru Outback | $1,978 | $165 |
| 32 | Acura ILX | $1,984 | $165 |
| 33 | GMC Terrain | $1,986 | $166 |
| 34 | Mitsubishi Eclipse Cross | $1,990 | $166 |
| 35 | Nissan Murano | $2,000 | $167 |
| 36 | Toyota Tacoma | $2,002 | $167 |
| 37 | Hyundai Tucson | $2,004 | $167 |
| 38 | Chevrolet Bolt | $2,008 | $167 |
| 39 | Honda Odyssey | $2,010 | $168 |
| 40 | Toyota Venza | $2,014 | $168 |
| 41 | Chevrolet Equinox | $2,016 | $168 |
| 42 | Volkswagen Taos | $2,022 | $169 |
| 43 | Ford Explorer | $2,028 | $169 |
| 44 | Fiat 500X | $2,030 | $169 |
| 45 | Toyota RAV4 | $2,036 | $170 |
| 46 | Kia Sorento | $2,040 | $170 |
| 47 | Kia Soul | $2,042 | $170 |
| 48 | Nissan Frontier | $2,054 | $171 |
| 49 | Hyundai Palisade | $2,070 | $173 |
| 50 | Hyundai Santa Cruz | $2,072 | $173 |
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 Cadillac XT5 at $2,120 per year up to the Audi RS 6 at $3,382 per year, a difference of $1,262 within that segment. In the large SUV segment, rates range from the Chevrolet Tahoe at $2,164 per year to the Jeep Grand Wagoneer costing $2,872 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 Subaru Impreza at $1,872 per year, the Chevrolet Spark at $1,880 per year, and the Volkswagen Golf at $2,074 per year.
Additional models that rank well in our comparison are the Toyota Corolla, Toyota Camry, Nissan Sentra, and Honda Insight, with an average cost to insure of $2,122 per year or less.
Ranked in the bottom half of the top 20 cheapest cars to insure, models like the Chevrolet Malibu, Honda Civic, Hyundai Veloster, Toyota Prius, and Kia Rio cost between $2,122 and $2,242 per year to insure.
From a cost per month standpoint, full-coverage auto insurance in this segment for the average driver starts at around $156 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 Subaru Impreza at $1,872 per year, or $156 per month. For midsize cars, the Subaru Legacy has the best rates at $2,090 per year, or $174 per month. And for large cars, the Toyota Avalon has the most affordable rates at $2,262 per year, or $189 per month.
The next table ranks the twenty cars with the cheapest auto insurance rates in Oakland, starting with the Subaru Impreza at $1,872 per year and ending with the Chevrolet Malibu at $2,242 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,872 | $156 |
| Chevrolet Spark | Compact | $1,880 | $157 |
| Volkswagen Golf | Compact | $2,074 | $173 |
| Subaru Legacy | Midsize | $2,090 | $174 |
| Honda Insight | Midsize | $2,096 | $175 |
| Volkswagen Jetta | Compact | $2,098 | $175 |
| Nissan Sentra | Compact | $2,104 | $175 |
| Kia K5 | Midsize | $2,118 | $177 |
| Toyota Camry | Midsize | $2,122 | $177 |
| Toyota Corolla | Compact | $2,122 | $177 |
| Kia Rio | Compact | $2,130 | $178 |
| Volkswagen Passat | Midsize | $2,130 | $178 |
| Honda Civic | Compact | $2,136 | $178 |
| Mazda 3 | Compact | $2,146 | $179 |
| Mazda 6 | Midsize | $2,148 | $179 |
| Toyota Prius | Compact | $2,154 | $180 |
| Hyundai Accent | Compact | $2,184 | $182 |
| Hyundai Veloster | Compact | $2,202 | $184 |
| Kia Forte | Compact | $2,208 | $184 |
| Chevrolet Malibu | Midsize | $2,242 | $187 |
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 $2,098 per year ($175 per month), the Nissan Maxima costing an average of $2,406 ($201 per month), the Tesla Model 3 costing an average of $2,264 ($189 per month), and the Chrysler 300 costing $2,310 ($193 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 Mazda CX-5 at $1,640 per year, the Nissan Kicks at $1,680 per year, and the Chevrolet Trailblazer at $1,690 per year.
Additional models that have affordable insurance rates are the Buick Envision, Buick Encore, Hyundai Venue, and Nissan Rogue Sport, with an average cost to insure of $1,834 per year or less.
On a monthly basis, auto insurance on this segment will start around $137 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 Mazda CX-5 at $137 per month and ending with the Ford Edge at $162 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda CX-5 | Compact | $1,640 | $137 |
| Nissan Kicks | Compact | $1,680 | $140 |
| Chevrolet Trailblazer | Compact | $1,690 | $141 |
| Subaru Crosstrek | Compact | $1,732 | $144 |
| Honda Passport | Midsize | $1,734 | $145 |
| Toyota C-HR | Compact | $1,772 | $148 |
| Buick Encore | Compact | $1,782 | $149 |
| Nissan Rogue Sport | Compact | $1,798 | $150 |
| Hyundai Venue | Compact | $1,830 | $153 |
| Buick Envision | Compact | $1,834 | $153 |
| Kia Seltos | Compact | $1,836 | $153 |
| Toyota Corolla Cross | Compact | $1,850 | $154 |
| Subaru Ascent | Midsize | $1,852 | $154 |
| Hyundai Kona | Compact | $1,862 | $155 |
| Subaru Forester | Compact | $1,868 | $156 |
| Volkswagen Tiguan | Compact | $1,872 | $156 |
| Honda CR-V | Compact | $1,886 | $157 |
| Mazda CX-30 | Compact | $1,906 | $159 |
| Honda HR-V | Compact | $1,940 | $162 |
| Ford Edge | Midsize | $1,944 | $162 |
A few popular SUVs with more expensive car insurance rates than the models shown above include the Jeep Wrangler at an average of $2,470 per year ($206 per month), the Kia Sorento costing an average of $2,040 ($170 per month), and the GMC Yukon costing $2,398 ($200 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 Ford Maverick, Ford Ranger, Toyota Tacoma, and Nissan Frontier. The 2022 model costs an average of $1,776 per year for a full-coverage insurance policy.
Also ranking well are trucks like the GMC Canyon, Honda Ridgeline, Hyundai Santa Cruz, and Ford F150, with average annual insurance rates of $2,120 per year or less.
Full-coverage insurance in this segment for a good driver starts at around $148 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 $1,776 per year and ending with the GMC Sierra 3500 at $2,538 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,776 | $148 |
| Ford Maverick | Midsize | $1,844 | $154 |
| Ford Ranger | Midsize | $1,916 | $160 |
| Toyota Tacoma | Midsize | $2,002 | $167 |
| Nissan Frontier | Midsize | $2,054 | $171 |
| Hyundai Santa Cruz | Midsize | $2,072 | $173 |
| GMC Canyon | Midsize | $2,078 | $173 |
| Ford F150 | Full-size | $2,088 | $174 |
| Honda Ridgeline | Midsize | $2,100 | $175 |
| Jeep Gladiator | Midsize | $2,120 | $177 |
| GMC Sierra | Full-size | $2,200 | $183 |
| Nissan Titan | Full-size | $2,278 | $190 |
| Toyota Tundra | Full-size | $2,320 | $193 |
| Chevrolet Silverado | Full-size | $2,322 | $194 |
| Ford F350 Super Duty | Heavy Duty | $2,342 | $195 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,360 | $197 |
| Nissan Titan XD | Heavy Duty | $2,424 | $202 |
| Ram Truck | Full-size | $2,464 | $205 |
| GMC Sierra 2500 HD | Heavy Duty | $2,516 | $210 |
| GMC Sierra 3500 | Heavy Duty | $2,538 | $212 |
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 ILX at $1,984 per year, Mercedes-Benz A220 at $2,118 per year, BMW 330i at $2,278 per year, and Acura TLX at $2,292 per year.
Additional models that have affordable insurance rates include the BMW 230i, BMW 330e, Alfa Romeo Giulia, and Lexus RC 300, with average rates of $2,392 per year or less.
Some additional luxury cars that make the list include the Mercedes-Benz AMG CLA35, Cadillac CT4, Mercedes-Benz AMG CLA45, and Audi A3, which cost between $2,392 and $2,506 per year for auto insurance in Oakland.
Car insurance for this segment in Oakland starts at around $165 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 ILX at $1,984 per year ($165 per month) and ending with the Audi S3 at $2,506 per year ($209 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura ILX | Midsize | $1,984 | $165 |
| Mercedes-Benz A220 | Compact | $2,118 | $177 |
| BMW 330i | Compact | $2,278 | $190 |
| Acura TLX | Compact | $2,292 | $191 |
| Volvo S60 | Compact | $2,312 | $193 |
| BMW 330e | Compact | $2,322 | $194 |
| BMW 228i | Compact | $2,334 | $195 |
| BMW 230i | Compact | $2,350 | $196 |
| Alfa Romeo Giulia | Compact | $2,392 | $199 |
| Lexus RC 300 | Midsize | $2,392 | $199 |
| Cadillac CT4 | Compact | $2,396 | $200 |
| Lexus RC 350 | Compact | $2,402 | $200 |
| Genesis G70 | Compact | $2,434 | $203 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,446 | $204 |
| BMW i4 | Midsize | $2,460 | $205 |
| Cadillac CT5 | Midsize | $2,468 | $206 |
| Audi A3 | Midsize | $2,492 | $208 |
| Audi A4 | Compact | $2,498 | $208 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,504 | $209 |
| Audi S3 | Compact | $2,506 | $209 |
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 $1,850 per year, Cadillac XT4 at $1,896 per year, Volvo XC40 at $2,076 per year, and Cadillac XT5 at $2,120 per year.
Other luxury SUVs that have cheaper rates are the Lexus NX 350, Lexus NX 350h, BMW X1, and Lexus UX 250h, with average rates of $2,204 per year or less.
Some additional 2022 models that make the list include the Lexus RX 450h, Mercedes-Benz GLB 250, Jaguar E-Pace, Acura MDX, and Lincoln Nautilus, which average between $2,204 and $2,284 per year for insurance.
As a cost per month, full-coverage insurance on luxury SUV models for a safe driver will start around $154 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 $1,850 per year. For midsize 2022 models, the Cadillac XT5 is the cheapest model to insure at $2,120 per year. And for large luxury SUVs, the Volvo XC90 has the most affordable rates at $2,334 per year.
The next table ranks the SUVs with the most affordable average car insurance rates in Oakland, starting with the Acura RDX at $1,850 per year ($154 per month) and ending with the Lincoln Corsair at $2,284 per year ($190 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,850 | $154 |
| Cadillac XT4 | Compact | $1,896 | $158 |
| Volvo XC40 | Compact | $2,076 | $173 |
| Cadillac XT5 | Midsize | $2,120 | $177 |
| Lexus NX 250 | Compact | $2,144 | $179 |
| BMW X1 | Compact | $2,146 | $179 |
| Lexus NX 350h | Compact | $2,158 | $180 |
| Lexus UX 250h | Compact | $2,162 | $180 |
| Lexus NX 350 | Compact | $2,198 | $183 |
| Lexus UX 200 | Compact | $2,204 | $184 |
| Jaguar E-Pace | Midsize | $2,208 | $184 |
| Lexus RX 350 | Midsize | $2,222 | $185 |
| Acura MDX | Midsize | $2,232 | $186 |
| Lincoln Nautilus | Midsize | $2,252 | $188 |
| Lexus NX 450h | Compact | $2,258 | $188 |
| Mercedes-Benz GLB 250 | Compact | $2,266 | $189 |
| Lexus RX 450h | Midsize | $2,276 | $190 |
| Land Rover Evoque | Compact | $2,280 | $190 |
| Infiniti QX50 | Midsize | $2,282 | $190 |
| Lincoln Corsair | Compact | $2,284 | $190 |
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 Ford Mustang, BMW Z4, Toyota GR86, Mazda MX-5 Miata, and Subaru WRX. Auto insurance quotes for these 2022 models average $2,516 or less per year.
Other cars that have affordable average insurance rates are the Audi TT, Chevrolet Corvette, Subaru BRZ, and Toyota GR Supra, with average cost of $2,794 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 $156 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 $1,870 per year and ending with the Lexus LC 500 at $3,556 per year.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,870 | $156 |
| Ford Mustang | Sports Car | $2,276 | $190 |
| BMW Z4 | Sports Car | $2,320 | $193 |
| Subaru WRX | Sports Car | $2,452 | $204 |
| Toyota GR86 | Sports Car | $2,516 | $210 |
| Toyota GR Supra | Sports Car | $2,570 | $214 |
| Audi TT | Sports Car | $2,626 | $219 |
| Subaru BRZ | Sports Car | $2,708 | $226 |
| Chevrolet Corvette | Sports Car | $2,718 | $227 |
| BMW M3 | Sports Car | $2,794 | $233 |
| Porsche 718 | Sports Car | $2,916 | $243 |
| Chevrolet Camaro | Sports Car | $2,990 | $249 |
| Lexus RC F | Sports Car | $3,060 | $255 |
| Dodge Challenger | Sports Car | $3,070 | $256 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,114 | $260 |
| Jaguar F-Type | Sports Car | $3,258 | $272 |
| Porsche Taycan | Sports Car | $3,346 | $279 |
| Porsche 911 | Sports Car | $3,430 | $286 |
| BMW M4 | Sports Car | $3,436 | $286 |
| Lexus LC 500 | Sports Car | $3,556 | $296 |
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 $2,122 per year (about $177 per month) and varies from $1,760 to $4,752.
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 $2,112 per year (about $176 per month) and has a range of $1,754 to $4,794.
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 $2,040 per year ($170 per month) and has a range of $1,698 to $4,640 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 $568 per year. Serious moving violations such as DWI/DUI and reckless driving could raise rates by an additional $1,976 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 $364 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 $236 per year for a 40-year-old driver and $456 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 $338 per year over a slightly lower credit rating between 670-739. Conversely, a less-than-perfect credit score could cost around $392 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 $2,298 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 $65 and $225 on your annual car insurance cost, depending on your policy.
