With a population of 391,000, Oaktown is California’s eight largest city. With an average rate of $1,408 for our sample driver, Oakland was 12th cheapest city in the entire state. We found the cheapest car insurance rates in Oakland at Century National, Nationwide and GEICO. In total,annual premiums in Oakland at these three companies averaged $943 – 49% lower than the overall cost in the city. Here are the average rates for the five cheapest companies in Oakland:
Getting the best insurance for your car is about having the right kind of coverage with appropriate limits. If you’re looking for the cheapest rates and minimum liability coverage, the best car insurance company for you will be different than the best option for a driver that wants full coverage and top-rated customer service. We'll walk you through deciding which ones or what level of protection make the most sense for you.
 Availability varies. Enrollment discount applies during data collection; final discount is calculated on driving behavior and could be zero. Discounts do not apply to all coverage elements; actual savings vary by state, coverage selections, rating factors and policy changes. Final discount applies at the next policy renewal and remains until drivers or vehicles on the policy change.
As we mention above, Nationwide was the best company in California for cheap car insurance. The large auto insurer even bested typically cheap insurers like GEICO and Progressive. In most cities that we surveyed in the Golden State, Nationwide was the go-to local company for low cost rates. In terms of the company's customer satisfaction however, Nationwide is only mediocre according to the J.D. Power auto insurance study of California. Nationwide scored mostly 3/5 stars in most categories including interaction with agents, and their method of billing. They did score 4/5 stars however when it came to the claims handling process
If you are or were in the military, or if your spouse or parents were, you are eligible for USAA car insurance. USAA scores five out five stars across the board for customer satisfaction in California. Customers of the military company are apparently very satisfied with how they handle claims, interact with customers and the number of policies they offer.
USAA’s adjustor knew he messed up big time. He told me that & I said no I don’t agree & I’m not accepting that, so, I guess you need to finish this conversation with my lawyer. He promptly snarkily replied we can’t talk if you have a lawyer… I said I guess we can’t talk then here’s his number & hung up. I think he had enough time to Google my lawyer & he called me back to back 3x. The 3rd one I said you said we can’t talk so we’re not talking. You are finishing it with my lawyer… click. I’m done messing around @ this point. I hurt. I can’t get to my follow-up doctors appointments & they’re trying to screw me out of fair market value for my truck. Just no way.
Any car insurance comparison tool you look at should have your state’s minimum car insurance requirements pre-loaded into its options. States requiring PIP or medpay are generally referred to as “no-fault” states, meaning that when injuries occur, each driver in a crash makes a claim with their own insurance company to pay for them. Beyond the PIP or medpay limit, the at-fault driver’s liability insurance kicks in to cover the rest.
Farmers Insurance fell just shy of the benchmark we set for financial stability. It took earned an “A” from A.M. Best (passing), and an “A” from S&P Global (two steps below the required “AA-”). These scores mean that Farmers has strong financials, and offers solid backing for your policy — it’s just a little less likely to weather a major financial crisis than other companies. This is why, like Liberty Mutual, we don’t rank it among the best of the best.
In a recent survey, we found that our readers’ biggest complaints about their current insurance company related to customer service and their final settlement amount. So, we used J.D. Power’s 2017 claims satisfaction study to find out which insurers had done the best job settling claims for their customers. Scores are assessed on a 1,000-point scale, and all of our final contenders ranked above 850.
Results: After a short wait, the quoting tool produced two quotes, for $299 per month and $971 per month, plus links to two other insurance sites. SmartFinancial allows you to narrow down the results further by selecting desired features such as local agents and low down payment, but given how limited the results were in the first place, that particular option isn’t much help.
Basically, collision coverage covers damages after your car crashes into something - such as a car or stationary object. Comprehensive (also known as OTC) coverage is everything else: Mother Nature, and acts of God, to thefts and vandalism (more info). Comprehensive and collision get bundled together, and pay for repairs or replacements up to the car’s current cash value (car's market value - salvage value).
Once the center of the California Gold Rush and the westernmost end of the Pony Express, Sacramento today is the capital of California, and its average cost of insurance reflects that. Within the city, Nationwide, Century National and GEICO had the lowest auto insurance costs. In aggregate, the three companies had an average quote of $1,001 ,or 30% cheaper than the Sactown average. The graph below has rates from Sactown's five cheapest companies:
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Want to know how much a particular model car costs to insure in your state? The car insurance comparison by vehicle tool will tell you. It provides average car insurance quotes for approximately 3,000 models. This tool is a great way to compare insurance quotes on various vehicles before making a decision on which one to buy. Knowing the cost of insurance is a vital part of the car-buying process because it affects your overall car budget.
How it works: Once I launched the quoting tool for auto insurance, I was greeted by a large-print brag that “Drivers Pay As Low As $29.32/Month for Car Insurance.” When I began filling in my vehicle information, the site offered to save me time by looking up the information for me—a frightening reminder of how much of our personal information is available online. The contact information fields were accompanied by text stating that “we respect your privacy” and “NO SPAM, privacy guaranteed.”
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution’s Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.