Auto Insurance in Oakdale (95361)
California · Very Affordable · 23th percentile statewide
Carrier Rates in 95361
6-month premiums from SERFF rate filings. Standard driver profile.
How 95361 Compares
Oakdale (95361) is very affordable for auto insurance in California, ranking in the 23th percentile.
The cheapest carrier is USAA at $500/6mo — 68% less than the most expensive (Allstate at $1,586).
The median premium of $845 is 7% below the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Oakdale (95361)?
The median 6-month premium in Oakdale (95361) is $845 across 9 carriers. Premiums range from $500 to $1,586, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 95361?
USAA offers the lowest rate in 95361 at $500/6mo. That's 68% less than the most expensive option (Allstate at $1,586/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 95361?
Auto insurance rates in Oakdale (95361) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Oakdale ranks in the 23th 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 95361?
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.