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Get Cheap Car Insurance in Montclair, Oakland, CA
We monitor insurance prices, helping the average driver in Montclair save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Montclair
The chart below shows the cheapest car insurance company in Montclair 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.
| Montclair Insurer | Monthly Cost |
|---|---|
| Metromile | $52 |
| Geico | $59 |
| Progressive | $63 |
| Travelers | $65 |
Savings for Every Kind of Montclair Driver
Based on our extensive insurance data, we know the average Montclair 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 $660 per year by choosing the right vehicle insurance company. Some Montclair residents are paying out over $2,066 extra every year for auto insurance in Montclair. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Montclair, Oakland, CA Savings / Yr. |
|---|---|
$660 |
|
$1,210 |
|
$957 |
|
$1,681 |
|
$863 |
|
$374 |
|
$0 |
Montclair Car Insurance vs. Oakland
People living in Montclair pay an average of 2.87% more than the typical driver in the state. The average driver in Montclair can expect to pay about $967 per year, or $2,066 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Montclair for most people.
Car Insurance Prices by Montclair Neighborhood
Insurance Prices
Where is insurance cheapest within Montclair?
The map shows insurance prices in and around Montclair, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $295 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,224 to a low of $1,929. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Central parts of Montclair.Pick the Best Car Insurance Company for You in Montclair
The best car insurance provider for most drivers in Montclair
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $660 over the average Montclair car insurance company.
The best car insurance provider for Montclair 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 $1,210 over the competition.
The best car insurance company for Montclair drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $957 better than other car insurance companies.
The best auto insurance for Montclair drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,681 less each year.
The least expensive car insurance company for new and young drivers in Montclair
In Montclair, State Farm costs young drivers $863 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Montclair
Progressive gave the largest car insurance discounts to married couples, averaging $374 saved each year compared to an average Montclair couple's premiums.
The cheapest car insurance in Montclair for drivers with bad credit
The best Montclair car insurance company for customer service
Recent price drops
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The cheapest large national provider in Montclair
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Montclair 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 Montclair, 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 Montclair
What Influences the Cost of Car Insurance in Montclair?
On average, car insurance in Montclair 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 Montclair is 43 minutes, which is far more than 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 Montclair are among the highest 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.
- Montclair has an average population density in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Montclair is $81 per month for minimum coverage and $172 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
- Piedmont Pines: Insurance costs 2.71% less
- Merriwood: Insurance costs 2.66% less
- Upper Rockridge: Insurance costs 0.68% less
- Glenview: Insurance costs 3.29% more
- Trestle Glen: Insurance costs 6.82% more
- Lakeshore-Oakland: Insurance costs 5.57% more
- Upper Dimond: Insurance costs 7.94% more
- Piedmont Avenue: Insurance costs 6.82% more
- Dimond: Insurance costs 9.49% more
- Grand Lake: Insurance costs 7.50% more
Neighborhoods with Similar Populations
- Lake Windcrest: Insurance costs 18.54% less
- Sunshine Gardens: Insurance costs 3.19% more
- Strathmore: Insurance costs 15.83% more
- Stonegate: Insurance costs 6.24% more
- Seminole Holland: Insurance costs 13.36% less
- Prairie-Piper-KC-KS: Insurance costs 26.19% less
- Pettit-Rudisill: Insurance costs 25.02% less
- Midtown: Insurance costs 22.56% less
- Marlwood: Insurance costs 28.65% less
- Mantua: Insurance costs 37.27% less