Auto Insurance in Oakland (94610)
California · Very Affordable · 25th percentile statewide
Carrier Rates in 94610
6-month premiums from SERFF rate filings. Standard driver profile.
How 94610 Compares
Oakland (94610) is very affordable for auto insurance in California, ranking in the 25th percentile.
The cheapest carrier is USAA at $505/6mo — 75% less than the most expensive (Wawanesa at $1,981).
The median premium of $851 is 7% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Oakland (94610)?
The median 6-month premium in Oakland (94610) is $851 across 9 carriers. Premiums range from $505 to $1,981, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94610?
USAA offers the lowest rate in 94610 at $505/6mo. That's 75% less than the most expensive option (Wawanesa at $1,981/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 94610?
Auto insurance rates in Oakland (94610) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Oakland ranks in the 25th percentile statewide, meaning it's very affordable 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 94610?
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.