For military personnel, one of the big components that determine car insurance rates is where you choose to live. More densely populated places tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive cheaper rates.
The following table shows the most costly cities in California for active military in which to buy car insurance. Oakland ranks #4 with an annual rate of $1,704 for car insurance, which is about $142 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,644 |
| 7 | Stockton | $1,603 |
| 8 | Long Beach | $1,578 |
| 9 | Garden Grove | $1,570 |
| 10 | Moreno Valley | $1,536 |
| 11 | Santa Clarita | $1,533 |
| 12 | Fontana | $1,519 |
| 13 | Riverside | $1,497 |
| 14 | Modesto | $1,487 |
| 15 | Fresno | $1,457 |
| 16 | Santa Ana | $1,453 |
| 17 | Anaheim | $1,430 |
| 18 | Irvine | $1,384 |
| 19 | San Jose | $1,381 |
| 20 | Fremont | $1,361 |
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Rate quotes are comparative as zip code location can influence auto insurance rates greatly.
Locating cost effective auto insurance is not always easy, and deciding which company has the cheapest auto insurance rates for active military involves a bit more work. Each insurer uses slightly different criteria for determining prices, so let’s begin by taking a look at the auto insurance companies that tend to be cheaper in Oakland, CA.
Best Auto Insurance Prices for Military
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,190 |
| 4 | CSAA | $1,198 |
| 5 | Nationwide | $1,213 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Progressive | $1,496 |
| 9 | Mercury | $1,548 |
| 10 | GEICO | $1,559 |
| 11 | Allstate | $1,559 |
| 12 | Allied | $1,588 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,699 |
| 16 | Esurance | $1,739 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,006 |
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USAA normally has some of the lowest car insurance rates in Oakland at around $1,121 a year. Wawanesa, Century National, CSAA, and Nationwide also rank well as some of the cheapest Oakland, CA insurance companies.
In the above example, if you are currently insured with CSAA and switched to USAA, you might see yearly savings of around $77. Policyholders with Nationwide might save as much as $92 a year, and 21st Century policyholders might cut rates by $217 a year.
To find out how your current rates compare, click here or quote prices from the following companies.
It’s important to note that these prices are averages for all insureds and vehicles and do not factor in an exact location for active military. So the car insurance company that is best for you may not even be in the top 24 companies shown above. That is why you need to compare as many prices as possible using your own driver data and vehicle information.
Picking the highest-rated car insurance company can be rather challenging considering how many different companies there are to choose from in Oakland. The information displayed below may help you analyze which auto insurance companies to look at when looking for cheaper rates.
The ratings below are only comprised of companies with a national presence, so companies with more of a regional focus are not taken into consideration for this list. To check prices and find cheaper insurance for active military, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
Drive safe and save
In a perfect world, the ideal way to get the most affordable auto insurance rates in Oakland for military personnel is to drive attentively and avoid accidents and keep your driving record clean. The information below illustrates how traffic citations and at-fault collisions influence insurance costs for different age categories. The data is based on a married male driver, comp and collision included, $1,000 deductibles, and no other discounts are factored in.
The chart shows that the average cost of an auto insurance policy in Oakland per year with a clean driving record and no accidents is $1,570. Add in one speeding ticket and the average cost jumps to $1,810, an increase of $239 each year. Now add in one accident along with the one speeding ticket and the yearly cost of auto insurance for active military increases to an average of $2,466. That’s an increase of $896, or $75 per month, just for being a little careless behind the wheel!
Low rates today, overpriced tomorrow
California auto insurance rates are calculated based on many things that can increase the cost of having a policy. Simply having a birthday, moving to a different location, or having an accident can produce rate changes that can cause some rates to be cheaper than competitors. In addition, companies change rates at least once a year in order to be able to pay unexpected claims. Heavy losses can result in rate increases, while lower claims can cause lower-priced Oakland car insurance rates.
The bar chart below compares the cheapest car insurance in Oakland, CA for a 40-year-old female driver with a good driving record, no prior claims, and great credit. Based on her current risk profile, USAA quotes the best car insurance rates in Oakland at $1,407 annually. This is $244 less than the average price paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also make the list of the best Oakland, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first example a claim or two, slightly worse credit, and a few traffic violations. Because each insurer has a proprietary formula to establish rates, analyzing rates could now result in a different ranking of affordable companies as shown below.
Grange now has the best insurance rate in Oakland, CA with Progressive, Allstate, GEICO, and Mercury now being in the top five. This shows why consumers need to compare as many rates as possible when trying to find the best insurance rates for active military. Car insurance prices can be altered by many different factors and change frequently, so the cheapest company the last time you shopped your coverage around may now be one of the higher cost companies.
If you aren’t clear which coverage you need and would like to have the advice of a professional agent when shopping for the best coverage for military personnel, the agents listed below can help you decide which auto insurance policy would work best for you.
To locate an agency using an interactive map, click the link after the list or click here to get price quotes now.
Farmers Insurance: Patrick Siu
993 Jackson St – Oakland, CA 94607 – (510) 350-7829
Farmers Insurance – Pamela Spikes
3410 Lakeshore Ave #204 – Oakland, CA 94610 – (510) 832-1005
Joe Trapasso – State Farm Insurance Agent
1901 Harrison St Ste 100 – Oakland, CA 94612 – (510) 808-7120