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Get Cheap Car Insurance in Downtown Oakland, Oakland, CA
We monitor insurance prices, helping the average driver in Downtown Oakland save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Downtown Oakland
The chart below shows the cheapest car insurance company in Downtown Oakland for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Downtown Oakland Insurer | Monthly Cost |
|---|---|
| Metromile | $63 |
| Geico | $71 |
| Progressive | $76 |
| Travelers | $78 |
Savings for Every Kind of Downtown Oakland Driver
Based on our extensive insurance data, we know the average Downtown Oakland driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $798 per year by choosing the right vehicle insurance company. Some Downtown Oakland residents are paying out over $2,496 extra every year for auto insurance in Downtown Oakland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Oakland, Oakland, CA Savings / Yr. |
|---|---|
$798 |
|
$1,462 |
|
$1,156 |
|
$2,031 |
|
$1,043 |
|
$452 |
|
$0 |
Downtown Oakland Car Insurance vs. Oakland
People living in Downtown Oakland pay an average of 24.29% more than the typical driver in the state. The average driver in Downtown Oakland can expect to pay about $1,168 per year, or $2,496 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown Oakland for most people.
Car Insurance Prices by Downtown Oakland Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Oakland?
The map shows insurance prices in and around Downtown Oakland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $346 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,676 to a low of $2,330. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the North parts of Downtown Oakland.Pick the Best Car Insurance Company for You in Downtown Oakland
The best car insurance provider for most drivers in Downtown Oakland
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $798 over the average Downtown Oakland car insurance company.
The best car insurance provider for Downtown Oakland drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,462 over the competition.
The best car insurance company for Downtown Oakland drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,156 better than other car insurance companies.
The best auto insurance for Downtown Oakland drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $2,031 less each year.
The least expensive car insurance company for new and young drivers in Downtown Oakland
In Downtown Oakland, State Farm costs young drivers $1,043 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Oakland
Progressive gave the largest car insurance discounts to married couples, averaging $452 saved each year compared to an average Downtown Oakland couple's premiums.
The cheapest car insurance in Downtown Oakland for drivers with bad credit
The best Downtown Oakland car insurance company for customer service
Nationwide was the best company for customer service in Downtown Oakland according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Oakland
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Downtown Oakland driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Oakland, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Downtown Oakland
What Influences the Cost of Car Insurance in Downtown Oakland?
On average, car insurance in Downtown Oakland is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Oakland is 37 minutes, which is about the national average for a driver in the city.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Oakland are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Downtown Oakland is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Oakland is $97 per month for minimum coverage and $208 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- Lakewide: Insurance costs 0.44% less
- San Pablo Gateway: Insurance costs 2.08% more
- Adams Point: Insurance costs 6.17% less
- Old City-Produce and Waterfront: Insurance costs 3.45% less
- Pill Hill: Insurance costs 2.68% more
- Oakland Ave-Harrison Street: Insurance costs 5.29% less
- Hoover-Foster: Insurance costs 2.00% less
- McClymonds: Insurance costs 1.48% less
- Merritt: Insurance costs 3.21% less
- Acorn: Insurance costs 1.36% less
Neighborhoods with Similar Populations
- Downtown Fremont: Insurance costs 12.50% less
- Townelake: Insurance costs 23.80% less
- Channelside: Insurance costs 12.38% more
- Chevy Chase: Insurance costs 1.64% less
- Chickasaw: Insurance costs 10.86% more
- Clemente Ranch: Insurance costs 26.56% less
- Clifton Heights: Insurance costs 12.10% less
- Columbia: Insurance costs 27.96% less
- Cornerstone Village: Insurance costs 4.57% less
- Coronado Hills: Insurance costs 20.03% less