Car Insurance Cost in Oakland, CA for 2022

Is auto insurance expensive in Oakland, California? We compare six different automotive segments to find the vehicles with the cheapest car insurance quotes in each.

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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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Oakland car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Oakland zip codes.Data last updated on July 25, 2022
Average Car Insurance Cost in Oakland, CA
Average Car Insurance Cost in Oakland, CA
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,634$303
$500$4,280$357
$250$4,962$414
30$1,000$1,910$159
$500$2,270$189
$250$2,648$221
40$1,000$1,824$152
$500$2,156$180
$250$2,502$209
50$1,000$1,662$139
$500$1,960$163
$250$2,274$190
60$1,000$1,634$136
$500$1,928$161
$250$2,234$186

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Teenage driver rates are for the 2022 model year with $500 physical damage deductibles. Average car insurance cost in Oakland includes all Zip Codes and vehicle trim levels.Data last updated on July 25, 2022
Average Car Insurance Cost for Teenagers in Oakland, California
Average Car Insurance Cost in Oakland, CA for Teenage Drivers
Teen Driver Gender Age 16 Age 17 Age 18 Age 19
Male$7,726$7,218$6,738$6,096
Female$6,802$6,416$5,846$5,420

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.

Top 50 Cheapest Vehicles to Insure in Oakland, CA
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,640$137
2Nissan Kicks$1,680$140
3Chevrolet Trailblazer$1,690$141
4Subaru Crosstrek$1,732$144
5Honda Passport$1,734$145
6Toyota C-HR$1,772$148
7Chevrolet Colorado$1,776$148
8Buick Encore$1,782$149
9Nissan Rogue Sport$1,798$150
10Hyundai Venue$1,830$153
11Buick Envision$1,834$153
12Kia Seltos$1,836$153
13Ford Maverick$1,844$154
14Acura RDX$1,850$154
15Toyota Corolla Cross$1,850$154
16Subaru Ascent$1,852$154
17Hyundai Kona$1,862$155
18Subaru Forester$1,868$156
19Mazda MX-5 Miata$1,870$156
20Subaru Impreza$1,872$156
21Volkswagen Tiguan$1,872$156
22Chevrolet Spark$1,880$157
23Honda CR-V$1,886$157
24Cadillac XT4$1,896$158
25Mazda CX-30$1,906$159
26Ford Ranger$1,916$160
27Honda HR-V$1,940$162
28Ford Edge$1,944$162
29Ford Ecosport$1,954$163
30Chevrolet Trax$1,978$165
31Subaru Outback$1,978$165
32Acura ILX$1,984$165
33GMC Terrain$1,986$166
34Mitsubishi Eclipse Cross$1,990$166
35Nissan Murano$2,000$167
36Toyota Tacoma$2,002$167
37Hyundai Tucson$2,004$167
38Chevrolet Bolt$2,008$167
39Honda Odyssey$2,010$168
40Toyota Venza$2,014$168
41Chevrolet Equinox$2,016$168
42Volkswagen Taos$2,022$169
43Ford Explorer$2,028$169
44Fiat 500X$2,030$169
45Toyota RAV4$2,036$170
46Kia Sorento$2,040$170
47Kia Soul$2,042$170
48Nissan Frontier$2,054$171
49Hyundai Palisade$2,070$173
50Hyundai Santa Cruz$2,072$173

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oakland, CA.Data last updated on July 25, 2022
    Top 50 Cheapest Vehicles to Insure in Oakland, CA

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Oakland car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Oakland Zip Codes.Data last updated on July 25, 2022
    Average Oakland, CA, Car Insurance Rates by Automotive Segment
    Oakland Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$2,016$168
    Midsize Pickup$2,074$173
    Minivan$2,172$181
    Midsize SUV$2,182$182
    Compact Car$2,218$185
    Midsize Car$2,250$188
    Half-ton Pickup$2,346$196
    Compact Luxury SUV$2,424$202
    Large SUV$2,430$203
    Compact Luxury Car$2,450$204
    Large Car$2,494$208
    Heavy Duty Pickup$2,572$214
    Midsize Luxury SUV$2,604$217
    Midsize Luxury Car$2,856$238
    Sports Car$3,046$254
    Large Luxury SUV$3,258$272
    Large Luxury Car$3,414$285

    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.

    Cheapest Cars to Insure in Oakland, California
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,872$156
    Chevrolet SparkCompact$1,880$157
    Volkswagen GolfCompact$2,074$173
    Subaru LegacyMidsize$2,090$174
    Honda InsightMidsize$2,096$175
    Volkswagen JettaCompact$2,098$175
    Nissan SentraCompact$2,104$175
    Kia K5Midsize$2,118$177
    Toyota CamryMidsize$2,122$177
    Toyota CorollaCompact$2,122$177
    Kia RioCompact$2,130$178
    Volkswagen PassatMidsize$2,130$178
    Honda CivicCompact$2,136$178
    Mazda 3Compact$2,146$179
    Mazda 6Midsize$2,148$179
    Toyota PriusCompact$2,154$180
    Hyundai AccentCompact$2,184$182
    Hyundai VelosterCompact$2,202$184
    Kia ForteCompact$2,208$184
    Chevrolet MalibuMidsize$2,242$187

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oakland, CA.Data last updated on July 25, 2022
      Cheapest Cars to Insure in Oakland, California

      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.

      Cheapest SUVs to Insure in Oakland, California
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,640$137
      Nissan KicksCompact$1,680$140
      Chevrolet TrailblazerCompact$1,690$141
      Subaru CrosstrekCompact$1,732$144
      Honda PassportMidsize$1,734$145
      Toyota C-HRCompact$1,772$148
      Buick EncoreCompact$1,782$149
      Nissan Rogue SportCompact$1,798$150
      Hyundai VenueCompact$1,830$153
      Buick EnvisionCompact$1,834$153
      Kia SeltosCompact$1,836$153
      Toyota Corolla CrossCompact$1,850$154
      Subaru AscentMidsize$1,852$154
      Hyundai KonaCompact$1,862$155
      Subaru ForesterCompact$1,868$156
      Volkswagen TiguanCompact$1,872$156
      Honda CR-VCompact$1,886$157
      Mazda CX-30Compact$1,906$159
      Honda HR-VCompact$1,940$162
      Ford EdgeMidsize$1,944$162

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oakland, CA.Data last updated on July 25, 2022
        Cheapest SUVs to Insure in Oakland, California

        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.

        Cheapest Pickups to Insure in Oakland, California
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,776$148
        Ford MaverickMidsize$1,844$154
        Ford RangerMidsize$1,916$160
        Toyota TacomaMidsize$2,002$167
        Nissan FrontierMidsize$2,054$171
        Hyundai Santa CruzMidsize$2,072$173
        GMC CanyonMidsize$2,078$173
        Ford F150Full-size$2,088$174
        Honda RidgelineMidsize$2,100$175
        Jeep GladiatorMidsize$2,120$177
        GMC SierraFull-size$2,200$183
        Nissan TitanFull-size$2,278$190
        Toyota TundraFull-size$2,320$193
        Chevrolet SilveradoFull-size$2,322$194
        Ford F350 Super DutyHeavy Duty$2,342$195
        Chevrolet Silverado HD 3500Heavy Duty$2,360$197
        Nissan Titan XDHeavy Duty$2,424$202
        Ram TruckFull-size$2,464$205
        GMC Sierra 2500 HDHeavy Duty$2,516$210
        GMC Sierra 3500Heavy Duty$2,538$212

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oakland, CA.Data last updated on July 25, 2022
          Cheapest Pickups to Insure in Oakland, California

          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).

          Cheapest Luxury Cars to Insure in Oakland, California
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,984$165
          Mercedes-Benz A220Compact$2,118$177
          BMW 330iCompact$2,278$190
          Acura TLXCompact$2,292$191
          Volvo S60Compact$2,312$193
          BMW 330eCompact$2,322$194
          BMW 228iCompact$2,334$195
          BMW 230iCompact$2,350$196
          Alfa Romeo GiuliaCompact$2,392$199
          Lexus RC 300Midsize$2,392$199
          Cadillac CT4Compact$2,396$200
          Lexus RC 350Compact$2,402$200
          Genesis G70Compact$2,434$203
          Mercedes-Benz AMG CLA35Midsize$2,446$204
          BMW i4Midsize$2,460$205
          Cadillac CT5Midsize$2,468$206
          Audi A3Midsize$2,492$208
          Audi A4Compact$2,498$208
          Mercedes-Benz AMG CLA45Midsize$2,504$209
          Audi S3Compact$2,506$209

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oakland, CA.Data last updated on July 25, 2022
            Cheapest Luxury Cars to Insure in Oakland, California

            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).

            Cheapest Luxury SUVs to Insure in Oakland, California
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,850$154
            Cadillac XT4Compact$1,896$158
            Volvo XC40Compact$2,076$173
            Cadillac XT5Midsize$2,120$177
            Lexus NX 250Compact$2,144$179
            BMW X1Compact$2,146$179
            Lexus NX 350hCompact$2,158$180
            Lexus UX 250hCompact$2,162$180
            Lexus NX 350Compact$2,198$183
            Lexus UX 200Compact$2,204$184
            Jaguar E-PaceMidsize$2,208$184
            Lexus RX 350Midsize$2,222$185
            Acura MDXMidsize$2,232$186
            Lincoln NautilusMidsize$2,252$188
            Lexus NX 450hCompact$2,258$188
            Mercedes-Benz GLB 250Compact$2,266$189
            Lexus RX 450hMidsize$2,276$190
            Land Rover EvoqueCompact$2,280$190
            Infiniti QX50Midsize$2,282$190
            Lincoln CorsairCompact$2,284$190

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oakland, CA.Data last updated on July 25, 2022
              Cheapest Luxury SUVs to Insure in Oakland, California

              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.

              Cheapest Sports Cars to Insure in Oakland, California
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,870$156
              Ford MustangSports Car$2,276$190
              BMW Z4Sports Car$2,320$193
              Subaru WRXSports Car$2,452$204
              Toyota GR86Sports Car$2,516$210
              Toyota GR SupraSports Car$2,570$214
              Audi TTSports Car$2,626$219
              Subaru BRZSports Car$2,708$226
              Chevrolet CorvetteSports Car$2,718$227
              BMW M3Sports Car$2,794$233
              Porsche 718Sports Car$2,916$243
              Chevrolet CamaroSports Car$2,990$249
              Lexus RC FSports Car$3,060$255
              Dodge ChallengerSports Car$3,070$256
              Mercedes-Benz AMG GT53Sports Car$3,114$260
              Jaguar F-TypeSports Car$3,258$272
              Porsche TaycanSports Car$3,346$279
              Porsche 911Sports Car$3,430$286
              BMW M4Sports Car$3,436$286
              Lexus LC 500Sports Car$3,556$296

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Oakland, CA.Data last updated on July 25, 2022
                Cheapest Sports Cars to Insure in Oakland, California

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Oakland includes all Zip Codes and vehicle trim levels.Data last updated on July 25, 2022
                Toyota Corolla Insurance Cost in Oakland, CA
                Toyota Corolla Insurance Cost in Oakland, CA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,752$396
                Safe Driver Age 20$4,166$347
                At-fault Accidents Age 40$3,004$250
                Low Deductibles Age 40$2,632$219
                Safe Driver Age 30$2,202$184
                Safe Driver Age 40$2,122$177
                Safe Driver Age 50$1,934$161
                Safe Driver Age 60$1,892$158
                High Deductibles Age 40$1,854$155
                Discount Rate Age 40$1,760$147

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Oakland includes all Zip Codes and vehicle trim levels.Data last updated on July 25, 2022
                Nissan Rogue Insurance Cost in Oakland, California
                Nissan Rogue Insurance Cost in Oakland, CA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,794$400
                Safe Driver Age 20$4,200$350
                At-fault Accidents Age 40$2,988$249
                Low Deductibles Age 40$2,724$227
                Safe Driver Age 30$2,218$185
                Safe Driver Age 40$2,112$176
                Safe Driver Age 50$1,926$161
                Safe Driver Age 60$1,888$157
                High Deductibles Age 40$1,796$150
                Discount Rate Age 40$1,754$146

                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.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Oakland includes all Zip Codes and vehicle trim levels.Data last updated on July 25, 2022
                Kia Sorento Insurance Cost in Oakland, California
                Kia Sorento Insurance Cost in Oakland, CA
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,640$387
                Safe Driver Age 20$4,064$339
                At-fault Accidents Age 40$2,876$240
                Low Deductibles Age 40$2,672$223
                Safe Driver Age 30$2,154$180
                Safe Driver Age 40$2,040$170
                Safe Driver Age 50$1,860$155
                Safe Driver Age 60$1,830$153
                High Deductibles Age 40$1,716$143
                Discount Rate Age 40$1,698$142

                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.