It’s hard to miss the commercials from car insurance companies like Nationwide and GEICO that make claims of the cheapest price, so drivers should just choose any one of them, right?
It’s just not that easy, however, as there are a whole slew of unknown elements like how safe your vehicle is, how old you are, your financial responsibility, and if you want full coverage included. The content below will cover the best ways to pay less and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance.
Deciphering which companies quote the cheapest auto insurance rates for safe drivers calls for more work in order to find the lowest price.
Each company has a proprietary method to determine premium rates, so let’s look at the rankings for the auto insurance companies with the overall cheapest rates in Oakland.
Find the Cheapest Auto Insurance for Safe Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,155 |
| 2 | Wawanesa | $1,181 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,379 |
| 7 | Grange | $1,447 |
| 8 | GEICO | $1,513 |
| 9 | Progressive | $1,542 |
| 10 | Allstate | $1,543 |
| 11 | Mercury | $1,548 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,606 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,688 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,849 |
| 20 | Farmers | $2,026 |
| Find Cheaper Rates Go | ||
USAA quotes some of the lowest car insurance rates in Oakland at around $1,155 annually. This is $496 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide also are some of the lowest-priced Oakland, CA auto insurance companies.
As shown in the table above, if you currently have a policy with Nationwide and switched to Wawanesa, you could see annual savings of about $69. Insureds with 21st Century might save as much as $198 a year, and Grange customers might lower prices by up to $266 a year.
To see if you’re overpaying, click here to get quotes or feel free to get quotes from the companies below.
Remember that these policy prices are averages across all drivers and vehicles in California and and are not figured with an exact zip code location for safe drivers. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That points out the importance of why you need to get car insurance quotes using your own personalized driver profile and vehicle information.
For good drivers, one of the big things that aid in calculating the annual cost of car insurance is where you choose to live in Oakland. Regions with more people or even just more weather-related claims will most likely pay more, whereas more rural areas have the enjoyment of a little cheaper coverage.
The illustration below lists the most expensive areas in California for safe drivers to buy an auto insurance policy in. Oakland is listed at #4 with an annual cost of $1,738 for the average insurance policy, which is about $145 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Los Angeles | $2,168 |
| 2 | Glendale | $2,058 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,738 |
| 5 | Sacramento | $1,720 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Santa Clarita | $1,595 |
| 9 | Garden Grove | $1,570 |
| 10 | Stockton | $1,556 |
| 11 | Fontana | $1,519 |
| 12 | Fresno | $1,502 |
| 13 | Riverside | $1,497 |
| 14 | Moreno Valley | $1,491 |
| 15 | Modesto | $1,487 |
| 16 | Santa Ana | $1,439 |
| 17 | Anaheim | $1,430 |
| 18 | San Jose | $1,423 |
| 19 | Fremont | $1,403 |
| 20 | Irvine | $1,384 |
| Get a Custom Quote Go | ||
Rate information is approximated as the specific Oakland residence address can affect prices substantially.
The illustration below demonstrates how choosing different deductibles can influence insurance rates when searching for cheap insurance for safe drivers. The premiums assume a married male driver, full coverage, and no discounts are factored in.
A 30-year-old driver could pocket $342 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $516 by switching to a $1,000 deductible. Younger drivers, like the age 20 example, have the ability to save up to $1,026 or even more by choosing a higher deductible. When increasing deductibles, it is important to have enough savings set aside to be able to pay the extra out-of-pocket expense, which deters some people from using high deductibles.
Drive responsibly or pay higher rates
The recommended way to maintain the best auto insurance premiums in Oakland for good drivers is to drive cautiously and not get tickets or have accidents. The illustration below highlights how speeding tickets and at-fault accidents impact yearly insurance costs for different ages of insureds. The rates are based on a single male driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.
The data above shows the average cost of a car insurance policy per year with no violations or accidents is $2,467. Add in one speeding ticket and the average cost hikes up to $2,787, an increase of $320 each year. Then throw in one accident along with the one speeding ticket and the annual cost of auto insurance for safe drivers goes up to an average of $3,677. That’s an increase of $1,209, or $101 per month, just for not being a responsible driver!
Finding a highly-rated car insurance company is hard considering how many choices you have in Oakland. The ranking data displayed below can help you decide which auto insurers to look at to insure your vehicles.
These ratings are only made up of large, nationwide insurance companies, so smaller companies that only insure vehicles in California are not included in the list. To compare prices from these top-rated insurers and more, click this link.
Top 10 Major Auto Insurance Providers in Oakland Ranked by Value
- USAA
- American Family
- The Hartford
- AAA of Southern California
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Mercury Insurance
- Nationwide
If you aren’t sure which coverage to buy and prefer to have some advice when comparing insurance rates for safe drivers, the agents shown below can help you make a decision which coverages are best.
To locate an Oakland auto insurance agent in your neighborhood, click the button link following the list or click here to compare prices now.
- Farmers Insurance – Mike Clauson
859 Clay St – Oakland, CA 94607 – (510) 839-3276 - Farmers Insurance – Kim McGuire Reid
4323 Piedmont Ave – Oakland, CA 94611 – (510) 428-2016 - Farmers Insurance – Mahir Abdul-Haqq
4267 Masterson St – Oakland, CA 94619 – (510) 530-8502 - Travel Insurance Agency
610 16th St #508 – Oakland, CA 94612 – (510) 452-3366