Auto Insurance in Oakley (94561)
California · Above Average · 66th percentile statewide
Carrier Rates in 94561
6-month premiums from SERFF rate filings. Standard driver profile.
How 94561 Compares
Oakley (94561) is above average for auto insurance in California, ranking in the 66th percentile.
The cheapest carrier is Mercury at $530/6mo — 71% less than the most expensive (Wawanesa at $1,842).
The median premium of $954 is 4% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Oakley (94561)?
The median 6-month premium in Oakley (94561) is $954 across 9 carriers. Premiums range from $530 to $1,842, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94561?
Mercury offers the lowest rate in 94561 at $530/6mo. That's 71% less than the most expensive option (Wawanesa at $1,842/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 94561?
Auto insurance rates in Oakley (94561) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Oakley ranks in the 66th percentile statewide, meaning it's above average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 94561?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.