Find Cheap Car Insurance in Oakland, CA in Less than 10 Minutes

Zip Code:
Currently Insured?
Homeowner?

If you are looking for cheap car insurance in Oakland, CA, you can start and end your search with Californiacarinsurancerates.org. Our knowledge and expertise can get you started with paying lower rates today. Simply give us a few details in the quote box above and allow us to find you the best rates possible for your vehicle.

Compare Average Oakland Car Insurance Rates – Get Personalized Quotes Online – You Could Save Thousands of Dollars Annually

The average price of car insurance Oakland is $1,435 annually, which is slightly higher than the state average of $1,414 annually, but lower than the average of $1481 annually for Alameda County. However, if you do not shop around, you could end up paying over $3,000 per year with some of the higher priced carriers. By comparing rates, you could save yourself hundreds or even thousands of dollars each year.

Insurance Factors That Determine How Much You Will Pay for Car Insurance in Oakland, CA

Insurance carriers consider a whole slew of factors when providing you with a quote of what you can expect to pay for auto coverage. Some of these factors seem a bit trivial, such as the color of your vehicle, while others are a bit more serious and include things like the age of the driver and the credit history. Some of the major factors considered by insurance companies are;

  • Location—areas with more people tend to have higher average insurance rates. This is mainly due to the idea that more people living in an area means more cars on the roads and thus more chance of accidents or incidents with those cars. Alameda county has a current population of 391,445 people, translating to a high population density of 6983 people per square mile.
  • Driving to Work—Insurance companies tend to charge more for drivers who commute to and from work during peak times of the day. This may be one of the better arguments for taking a job with hours other than the standard nine-to-five, as drivers who commute during what are considered off-peak hours may be eligible for discounts on their insurance rates. In Oakland, the average commute time is 50-60 minutes, and there were relatively low numbers of fatal accidents at a 4.2 average for every 100,000 people in 2009.
  • Auto Thefts—depending on the type of car you drive and neighborhood where you live, a higher likelihood of auto theft generally equals higher insurance rates. Larger cities with higher population densities lead to increased risk, as do certain makes and models of vehicle that tend to be more desirable to thieves. However, installing anti-theft devices on your vehicle or purchasing one with them already installed could net you a discount on your rates. The Oakland area reportedly incurred 6,305 auto thefts in 2011.
  • Education—Like it or not, those with higher education degrees or attainment often get discounted rates on auto coverage. In Oakland, 18 percent of the population has attained a bachelor’s degree, slightly higher than the state average of 17.1 percent. In addition, 17.7 percent have a high school diploma only, which is lower than the state average of 20.1 percent. This is just one more area that having some higher education could pay off.

Finding cheap car insurance in Oakland does not need to be complicated. By providing just a few details in our quote widget above, Californiacarinsurancerates.org can get you started on the path to paying less. And you can help spread the word if you know anyone in Fresno, Long Beach, or Sacramento who wants to save money on their automobile insurance policy!