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2024

Last updated:

Best Local Car Insurance Agencies in Oakland

Our Recommended Top 13

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Oakland Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

241Reviewed

149Curated

13Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
410 14th Street, Oakland, CA 94612
  • Multiple Carriers
  • Bundling Option

Why choose this provider?

Rate Crushers Insurance Brokers is a family-owned business that offers a wide variety of products to Oakland. Its agents create customized car insurance policies tailored according to each client's needs and protection requirements. They assist in selecting different insurance types such as multi-policy, student, and multi-car and help clients with traffic tickets and DUI problems find suitable policies. The company has been in operation since 1996 and has been serving individuals, families, and businesses throughout California.

License Verified:

License: 0M42058

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (71)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
828 San Pablo Ave Ste 201, Albany, CA 94706

Why choose this provider?

Located in Albany, California, GF Brown Insurance Service LLC is a full-service insurance company that has operated for over two decades and is affiliated with more than 20 insurance underwriters. It provides auto insurance packages to protect operators of cars, trucks, and other vehicles. Coverage extends to motorcycles, boats, and RVs, while mobile home owners can take advantage of a combination of auto and homeowners insurance. GF Brown Insurance also offers specialized business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Yelp
4.5 / 5 (6)
Google
5.0 / 5 (1)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
801 Allston Way, Berkeley, CA 94710

Why choose this provider?

Based in Berkley, California, Fidelity Insurance Service is an agency that provides independent advice and support for personal and business clients in the Oakland metro area and beyond. A full-service agency, its auto insurance products are tailored for single-vehicle individuals, multi-car families, and commercial fleets. Coverage will include insurance required by the state and lender, with the agency taking the client through the pros and cons of recommended coverage like comprehensive insurance and optional add-ons like rental reimbursement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (9)
Yelp
5.0 / 5 (7)
Google
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.8
Responsiveness
Friendliness
Helpfulness
Detail

Website
900 Alice St, Ste 128, Oakland, CA 94607
  • Motorcyle & ATV

Why choose this provider?

Francis H. Lan is an Allstate Insurance agent catering to individuals and families in Oakland. He offers various car insurance policies, including collision, liability, personal injury protection, rental reimbursement, and uninsured and underinsured motorist coverage. The local car insurance agent helps policy buyers by determining which coverage suits their needs while considering state requirements and coverage limits. Lan has been in the industry for more than 30 years and can speak English, Cantonese, Mandarin, and Vietnamese.

License Verified:

License: 0670066

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (6)
Yelp
5.0 / 5 (3)

Website
465 California Street, San Francisco, CA 94104
  • Multiple Carriers

Why choose this provider?

Carlos Bermudez has been a State Farm agent for over 40 years. Bermudez established his own agency in San Francisco that provides personal and commercial insurance. He was recognized by State Farm and awarded recognition for his achievements, such as Ambassador Travel and for achieving 20 years of profitable production. State Farm has been serving its customers for over 97 years, with insurance plans that cover homes, life and health, business, and condos and renters.

License Verified:

License: 0443660

California Department Of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Yelp
4.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
5776 Stoneridge Mall Rd Ste 120, Pleasanton, CA 94588

Why choose this provider?

Centurion Insurance Agency is a full-service insurance agency based in Pleasanton, California. Founded in 1947, the company allows clients to tailor deductibles and levels of coverage for each part of their auto policies individually. Coverage is available for new and high-value vehicles, motorcycles, and classic cars, and umbrella policies are offered for those who own unusual or high-risk vehicles. Centurion Insurance Agency also offers home, life, health, and business insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Yelp
4.5 / 5 (11)
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
2637 Pleasant Hill Rd, Pleasant Hill, CA 94523

Why choose this provider?

Drivers in Oakland, California, have been relying on Lou Aggetta Insurance Inc. to provide insurance for their vehicles since 1981. The company is dedicated to simplifying insurance for its customers and helping them to build a policy that includes only the coverage they truly need. In addition to auto insurance, Lou Aggetta Insurance Inc. offers home, health, business, life insurance. Customers have the option of bundling multiple types of insurance into one policy.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
4.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14825A E 14th St, San Leandro, CA 94578

Why choose this provider?

Founded in 2005, Rivas Financial & Insurance Services is a family-owned and operated agency assisting clients throughout the Oakland, California, metro are with auto insurance policies. Its agents help clients to procure policies from affiliated providers, advise them on mandatory and non-mandatory coverage areas, and assists those needing sr22 certification. Coverage is available for cars, trucks, RVs, and watercraft including boats and jet skis. This agency also serves commercial clients, insuring a range of company vehicles and fleets.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
3.3 / 5 (7)
Yelp
5.0 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
436 14th Street Suite M150, Oakland, CA 94612
  • Multiple Carriers

Why choose this provider?

Barbary Insurance Brokerage is an independent insurance broker serving individuals and businesses in the Oakland area. It offers auto insurance options that may include accidental death benefits, emergency lockout coverage, and airbag replacement from accidental deployment. It also has commercial car insurance plans covering liability, collision, and medical payments. The firm provides different risk management solutions for various industries, such as moving companies, plastic manufacturing, and pharmaceutical manufacturing. Barbary Insurance Brokerage was established in 2006.

License Verified:

License: 0F44113

California Department of Insurance

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Yelp
4.5 / 5 (31)
Facebook
5.0 / 5 (14)
Google
4.3 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
70 Doray Dr Ste 6, Pleasant Hill, CA 94523

Why choose this provider?

Located in Pleasant Hill, California, Express Auto Insurance specializes in providing independent and unbiased auto insurance advice and services throughout the Oakland metro area. Founded in 1998, the agency works with many insurance providers to find its clients the coverage they need at the price they expect to pay. It offers protection, covering the costs of vehicle repair or replacement, personal liability, and offers additional coverage like roadside assistance and payments for medical expenses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1045 MacArthur Blvd, San Leandro, CA 94577

Why choose this provider?

Founded in 1938, McDermottCosta Insurance is an independent agency that assists drivers throughout the Oakland, California, metro area. The company's auto risk management specialists work with a wide range of carriers to find clients a policy that fits their needs at a fair rate, including combined coverage for discounts and guaranteed full-year plan terms for auto policies. Vehicle insurance options include liability, collision, comprehensive, uninsured and underinsured motorist, towing, roadside assistance, and medical payments and rental car reimbursement.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (33)
Facebook
5.0 / 5 (10)
Yelp
4.5 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
22576 Mission Blvd, Hayward, CA 94541

Why choose this provider?

SaveGuard Insurance Agency provides a wide range of commercial and residential insurance plans to residents of Oakland and the rest of Alameda County and surrounding areas. The primary office is located in Hayward, with secondary offices in San Lorenzo and Stockton. It offers personal automobile insurance coverage plans, plus commercial coverage for business fleets, rideshare drivers, limousines, and vehicles for hire. SaveGuard also offers home, renters, and umbrella coverage for private individuals, and liability and workers compensation insurance for businesses.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (27)
Facebook
4.8 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
1767 16th St, Oakland, CA 94607

Why choose this provider?

Founded in 1955, David E. Quan Agency, Insurance Brokers Inc., is an independent agency serving the Oakland, California, metro area. It provides auto insurance services to clients who need protection for personal or business vehicles, and it is versed in most standard coverage areas. When serving businesses, it is able to insure both high value commercial vehicles and entire fleets of company cars. Some of its other insurance services include homeowners and wedding insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Yelp
4.5 / 5 (10)
Google
4.3 / 5 (6)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How much do drivers in Oakland pay for minimum or comprehensive car insurance coverage?

    Oakland drivers typically spend approximately $59 per month or $704 per year for basic car insurance coverage, which is roughly 5% higher than the national average. Conversely, full coverage comes at an average cost of $267 per month or $3,204 per year in Oakland, making it about 45% more expensive than the national average for car insurance.

  • How do drivers in Oakland get discounts on their auto insurance?

    Maintaining a clean driving record with no accidents or traffic violations for a specified period can earn Oakland drivers a safe driving discount. Discounts are also accessible to car owners who install anti-theft devices on their vehicles, combine their auto insurance with other policies, and are active-duty military members or veterans.

  • Do motorists who move do Oakland need to change their car insurance providers?

    No. While some companies may provide more affordable car insurance options in specific cities, this does not guarantee that Oakland has lower insurance rates. It is advisable for drivers to review their existing insurance coverage whenever they undergo significant life changes, such as relocating to a different area, getting married, or securing a new job.

  • What is the minimum liability coverage drivers must carry to legally operate a car in Oakland?

    In accordance with California law, Oakland drivers are obligated to maintain a minimum level of liability coverage, which includes $15,000 for bodily injury liability per individual, $30,000 per accident, and $5,000 for property damage. This combination of coverage is commonly denoted as 15/30/5 coverage. It protects motorists from personal injury or property damage claims up to the limits of their policies.

  • Is it possible for Oakland drivers to pay higher car insurance rates even if they have not had an accident?

    Yes. Regardless of Oakland motorists' history of claims, it is possible to face increased payments, primarily due to the rising expenses associated with operating a business in the city. Insurance rates are also determined by the difference between the revenue generated from premiums and the expenses incurred in settling policyholders' claims at the end of the year.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.