Car Insurance Cost in Oakland, CA for 2023

• Average car insurance cost in Oakland is $2,400 per year, which is 32.6% more than the national average rate of $1,728.
• Small crossovers like the Hyundai Kona, Buick Encore, and Chevrolet Trailblazer 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 $2,372 per year, Subaru Impreza at $1,986 per year, Acura Integra at $2,154 per year, and Honda Passport at $1,864 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 $2,400 per year, which is 32.6% more than the national average rate of $1,728. Per month, Oakland drivers can expect to pay an average of $200 for a policy with full coverage.

In the state of California, the average cost to insure a vehicle is $2,172 per year, so the cost in Oakland averages $228 more per year.

The average cost to insure a car in Oakland is approximately $358 per year more expensive than in Fresno, $462 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 2023 vehicle models including luxury vehicles.

Average rates in the chart range from $1,812 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $5,546 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 $2,400 per year.

As a monthly rate, car insurance cost in Oakland ranges from $151 to $462 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 – $8,594 per year or $716 per month
• 17-year-old rated driver – $8,034 per year or $670 per month
• 18-year-old rated driver – $7,508 per year or $626 per month
• 19-year-old rated driver – $6,798 per year or $567 per month
• 20-year-old rated driver – $4,774 per year or $398 per month
• 30-year-old rated driver – $2,530 per year or $211 per month
• 40-year-old rated driver – $2,400 per year or $200 per month
• 50-year-old rated driver – $2,184 per year or $182 per month
• 60-year-old rated driver – $2,144 per year or $179 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 $1,028 less per year than the cost for a 16-year-old male, while at age 19, the cost is still $754 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 $764 more per year for a policy with $250 deductibles compared to $1,000 deductibles.
• Insurance for teens is expensive – Average cost can range from $6,044 to $8,594 per year for teen driver car insurance in Oakland.
• Oakland car insurance rates are more expensive than the California state average – $2,400 (Oakland average) compared to $2,172 (California average)
• Average cost per month ranges from $179 to $716 – 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 $2,244 less annually than a 20-year-old driver, $2,530 versus $4,774.
• Teenage girls pay cheaper rates than teen males – Female drivers age 16 to 19 pay $754 to $1,028 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 Chevrolet Trailblazer, Subaru Crosstrek, and Buick Encore.

Average insurance quotes for those models cost $2,252 or less per year for full coverage car insurance.

Other models that rank towards the top in the cost comparison table below are the Subaru Ascent, Hyundai Venue, Hyundai Kona, and Ford Edge.

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 $2,412 or less per year, or $201 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 Lexus RX 350 at $2,148 per year up to the BMW XM at $3,906 per year, a difference of $1,758 within that segment. In the large SUV segment, rates range from the Chevrolet Tahoe at $2,248 per year to the Jeep Grand Wagoneer costing $3,126 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 $1,986 per year, the Volkswagen Jetta at $2,192 per year, and the Subaru Legacy at $2,208 per year.

Additional models that rank well in our comparison are the Mazda 3, Kia K5, Toyota Prius, and Volkswagen Golf, with an average cost to insure of $2,314 per year or less.

Ranked in the bottom half of the top 20 cheapest cars to insure, models like the Volkswagen Arteon, Honda Civic, Toyota Crown, Nissan Leaf, and Chrysler 300 cost between $2,314 and $2,516 per year to insure.

From a cost per month standpoint, full-coverage auto insurance in this segment for the average driver starts at around $166 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 $1,986 per year, or $166 per month. For midsize cars, the Subaru Legacy has the best rates at $2,208 per year, or $184 per month. And for large cars, the Chrysler 300 has the most affordable rates at $2,340 per year, or $195 per month.

The next table ranks the twenty cars with the cheapest auto insurance rates in Oakland, starting with the Subaru Impreza at $1,986 per year and ending with the Volkswagen Arteon at $2,516 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 $2,192 per year ($183 per month), the Nissan Maxima costing an average of $2,694 ($225 per month), the Tesla Model 3 costing an average of $2,452 ($204 per month), and the Chrysler 300 costing $2,340 ($195 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 Chevrolet Trailblazer at $1,814 per year, the Subaru Crosstrek at $1,830 per year, and the Nissan Kicks at $1,838 per year.

Additional models that have affordable insurance rates are the Subaru Ascent, Buick Encore, Kia Seltos, and Buick Envision, with an average cost to insure of $1,950 per year or less.

On a monthly basis, auto insurance on this segment will start around $151 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 Chevrolet Trailblazer at $151 per month and ending with the Chevrolet Trax at $172 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 $2,656 per year ($221 per month), the Kia Sorento costing an average of $2,200 ($183 per month), and the GMC Yukon costing $2,576 ($215 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 Ford Maverick takes the #1 ranking as the cheapest pickup truck to insure in Oakland, followed by the Chevrolet Colorado, Nissan Frontier, Ford Ranger, and GMC Canyon. The 2023 model costs an average of $1,992 per year for a full-coverage insurance policy.

Also ranking well are trucks like the Hyundai Santa Cruz, Honda Ridgeline, Toyota Tacoma, and Nissan Titan, with average annual insurance rates of $2,438 per year or less.

Full-coverage insurance in this segment for a good driver starts at around $166 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 Ford Maverick at $1,992 per year and ending with the Nissan Titan XD at $2,678 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 $2,154 per year, BMW 330i at $2,436 per year, Acura TLX at $2,476 per year, and Cadillac CT4 at $2,506 per year.

Additional models that have affordable insurance rates include the BMW 330e, Cadillac CT5, BMW 228i, and Lexus ES 250, with average rates of $2,608 per year or less.

Some additional luxury cars that make the list include the BMW 230i, Lexus RC 300, Mercedes-Benz AMG CLA45, and Lexus RC 350, which cost between $2,608 and $2,680 per year for auto insurance in Oakland.

Car insurance for this segment in Oakland starts at around $180 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 $2,154 per year ($180 per month) and ending with the Volvo S60 at $2,680 per year ($223 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 $2,002 per year, Lexus RX 350 at $2,148 per year, Cadillac XT4 at $2,166 per year, and Volvo XC40 at $2,206 per year.

Other luxury SUVs that have cheaper rates are the Cadillac XT6, Cadillac XT5, Lexus UX 250h, and Mercedes-Benz GLA250, with average rates of $2,334 per year or less.

Some additional 2023 models that make the list include the Lincoln Nautilus, Lexus NX 450h, Lexus NX 250, Lexus NX 350h, and Lexus NX 350, which average between $2,334 and $2,444 per year for insurance.

As a cost per month, full-coverage insurance on luxury SUV models for a safe driver will start around $167 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 $2,002 per year. For midsize 2023 models, the Lexus RX 350 is the cheapest model to insure at $2,148 per year. And for large luxury SUVs, the Volvo XC90 has the most affordable rates at $2,474 per year.

The next table ranks the SUVs with the most affordable average car insurance rates in Oakland, starting with the Acura RDX at $2,002 per year ($167 per month) and ending with the Mercedes-Benz GLC300 at $2,444 per year ($204 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 Audi TT, Ford Mustang, Subaru WRX, Mazda MX-5 Miata, and BMW Z4. Auto insurance quotes for these 2023 models average $2,650 or less per year.

Other cars that have affordable average insurance rates are the Toyota GR Supra, BMW M2, Toyota GR86, and Nissan Z, with average cost of $2,894 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 $185 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 $2,216 per year and ending with the Lexus LC 500 at $3,606 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 $2,250 per year (about $188 per month) and varies from $1,868 to $5,076.

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 $2,208 per year (about $184 per month) and has a range of $1,832 to $5,008.

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 $2,200 per year ($183 per month) and has a range of $1,828 to $5,002 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 $628 per year. Serious moving violations such as DWI/DUI and reckless driving could raise rates by an additional $2,206 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 $408 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 $284 per year for a 40-year-old driver and $552 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 $377 per year over a slightly lower credit rating between 670-739. Conversely, a less-than-perfect credit score could cost around $437 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 $2,460 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 $72 and $242 on your annual car insurance cost, depending on your policy.