Oakland Insurance Rates:

Oakland, CA home insurance is about $544 to $738, about $45-$61/month. Our exhaustive analysis reveals consumers can save upto $256 by comparing multiple quotes

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Oakland Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Amica Mutual Insurance Company
Home Insurance Rate of $900/7 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $405,000

3 Beds, 3 Baths 1730 sqft Vacation Property Constructed In 1960 with Hardwood Flooring, Tile Roof, Piers Foundation, Brick siding, Metal Frame Construction. Home Features Include Smoke Alarm, Indoor Sprinklers, Fire Extinguisher, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Single Male who is a Freelancer with household income of $100-$150,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $660/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $355,000

4 Beds, 4 Bath 1860 sqft Rental Property Constructed In 1979 with Carpet Flooring, Wood Shake Roof, Crawl Space Foundation, Stucco siding, Wood Frame. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $240/4 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $410,000

3 Beds, 3 Baths 2240 sqft Seasonal Residence Constructed In 1973 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Fireplace, Smoke Alarm, Swimming Pool, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Married Female who is a Freelancer with household income of more than $150,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $280/2 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $810,000

4 Beds, 4 Bath 3170 sqft Rental Property Constructed In 1974 with Linoleum, Wood Shake Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Central Air Conditioning, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

35 Years old Married Male who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $400/6 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $400,000

3 Beds, 3 Baths 1530 sqft Seasonal Residence Constructed In 1971 with Ceramic Tile Flooring, Asphalt Shingles Roof, Piers Foundation, Wood siding, Wood Frame. Home Features Include Central Air Conditioning, Fireplace, Deadbolt Locks, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Divorced Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1600/9 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $585,000

3 Beds, 3 Baths 2200 sqft Seasonal Residence Constructed In 1977 with Hardwood Flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Brick Frame. Home Features Include Central Air Conditioning, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

53 Years old Married Male who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $810/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $415,000

4 Beds, 4 Bath 1810 sqft Seasonal Residence Constructed In 1966 with Carpet over wood flooring, Composition Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Smoke Alarm, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who is Unemployed with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $1830/9 months for $600,000-$700,000 Coverage
Policy Holder Home Details :

Home Value : $570,000

3 Beds, 3 Baths 1339 sqft Rental Property Constructed In 1947 with Stone Flooring, Tile Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Copper Water Pipes, Swimming Pool, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

62 Years old Single Female who is Retired with household income of $25-50,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

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Oakland Rates & Quotes Analysis:

Oakland Area Estimated House Insurance
Lee St, Somerset Rd, W Macarthur, Manor Dr, Morrill Ct, Blenheim St, Earhart Rd, Shaw St, Booker St, Clifton St$605
Salem St, Cairo Rd, Lexford Rd, 34th Ave, Apgar St, Fruitvale, Fontaine St, Berneves Ct, Longridge Rd, Oval Rd$623
Overlake Ct, 72nd Ave, Star Ct, Mead Ave, Casa Ct, Frisbie St, Edge Dr, Ferro St, Seminary Ct, Ashton Ave$611
Park View Ave, Bacon Rd, Marin Way, Morken St, Middle Harbor Rd, Gravatt Dr, Rossmoor Ct, Stockbridge Dr, Norwood Ave, Simmons St$None
Shattuck, Havenscourt Blvd, Saroni Dr, Webster Pl, Sterling Dr, Madeline St, Royal St, Liggett Dr, Peroly Ct, Huntington St$610
Everett Ave, Emerson Way, 83rd Ave, Miles Ave, Old Tunnel Rd, Maybelle Ave, 96th Ave, Normandie Ave, Larkspur Rd, Girvin Dr$691
Emery St, Tunnel Rd, Chatham Rd, 48th Ave, Dimond Ave, Thousand Oaks, Sunset Ave, Camelford Ct, Sequoyah View Dr, Gouldin Rd$646
Champion St, Calmar Ave, Chadbourne Way, S Coliseum Way, Montana St, Stella St, Harbord Dr, 33rd Ave, Ghormley Ave, Maddux Dr$594
Morrell Ln, 93rd Ave, Golden Gate Ave, Wesley Ave, Highland Ave, Moore Dr, Portwood Ave, Woodcrest Cir, Larry Ln, Forestland Way$688
Valley View Rd, 85th, Hamline Ave, Besito Ave, Pearmain St, Stanford, Westwood Way, Crescent St, Belvedere St, Reinhardt Dr$694

Insurance rates are influenced by a number of factors including:

  • Year Built: 22,068 Homes (12% of total homes ) built between 1950 to 1959 in Oakland are paying home insurance between $1,205-$1,215. Places close to Oakland, CA such as Alameda, Piedmont, Moraga are more expensive by $49, $162, $130 respectively while San Leandro and Emeryville are cheaper by $24 and $45 respectively for similar homes.
  • Bedrooms: 43,743 3 bedrooms homes (25% of total homes ) in Oakland are paying about $238. Areas near to Oakland such as Alameda, Piedmont, Moraga are costlier by $16, $39, $25 respectively whereas San Leandro and Emeryville are more economical by $5, $9 respectively for similar homes.
  • Auto Insurance Bundling: 29,559 Households (43% of all households) in Oakland have 2 vehicles available and when it is bundled with home insurance you can save $128 compared to Alameda ($133), Piedmont ($145), San Leandro ($125).
  • Senior Discounts: 34,465 seniors (more than 55 years) occupied housing units (50% of total) in Oakland get discounts between $96 to $98 and varies from Alameda ($100), Piedmont ($109), San Leandro ($94).
  • New Homes discounts: New homes such as the 42,935 homes built between 2000 to 2009 in Oakland can save $128 and differs from Alameda ($133), Piedmont ($145), San Leandro ($125).

Oakland Homeowners insurance Facts

  • Oakland, CA has 68,711 owner occupied houses which is 42.0% of all units whereas Alameda, Piedmont and San Leandro have 48.23%, 91.29% and 56.46% respectively.
  • Oakland, CA homeowners yearly insurance price at $641 is 0.14% of the typical house value of $461,800 which is in contrast with 0.11% in Alameda, 0.07% at Piedmont & 0.16% in San Leandro.
  • Homeowners in Oakland, CA pay 1.11% of their income ($45,000 to $49,999) in insurance whereas homeowners in Alameda, San Leandro and Emeryville pay 1.16%, 1.09% and 1.07% respectively.
  • Oakland, CA’s insurance is 2.1% of monthly housing costs of $2,593/month, for owners with a mortgage compared to 1.87% in Alameda, 1.51% at Piedmont & 2.23% in San Leandro. But, for households without a mortgage, insurance is 9.5% of costs ($560 in Oakland, CA) in contrast with 9.77% in Alameda, 6.05% at Piedmont & 12.33% in San Leandro.

Oakland, CA Home Values & Insurance rates

For example, insurance for 1,415 Homes (4.0% of total homes ) valued between $125,000 to $149,999 in Oakland, CA is about $185. Rates in nearby areas in such as Alameda, Berkeley, Castro Valley are cheaper by $45, $57, $28 respectively while San Leandro and Emeryville are costlier by $35 and $80 respectively for similar homes.

Oakland, CA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 1,033 3.0% $32
$80,000 to $89,999 297 1.0% $115
$90,000 to $99,999 488 1.0% $128
$100,000 to $124,999 1,487 5.0% $147
$125,000 to $149,999 1,415 4.0% $185
$150,000 to $174,999 2,193 7.0% $224
$175,000 to $199,999 1,222 4.0% $256
$200,000 to $249,999 4,636 15.0% $307
$250,000 to $299,999 4,863 16.0% $378
$300,000 to $399,999 10,945 37.0% $480

Renters Insurance in Oakland

  • Average Renters Insurance in Oakland :  $112($9/month)

  • Median Gross Rent in Oakland :  $1,095

  • Oakland Renters Insurance to Median Rent Ratio:  0.82%

  • Renter occupied housing units in Oakland :  95,002

Oakland Renters Insurance as a Percentage of Rent

Oakland Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,254 1.0% $328
$200 to $299 4,566 4.0% $778
$300 to $499 4,797 5.0% $1228
$500 to $749 8,427 9.0% $1903
$750 to $999 20,023 21.0% $2653
$1,000 to $1,499 32,326 34.0% $3778
$1,500 or more 21,195 22.0% $5428

Rent Affordability in Oakland:

Approximately 48.0% (45,717) of households are spending more than 35% of their income on gross rent in Oakland

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 8,802 9.0%
15.0 to 19.9 percent 9,469 9.0%
20.0 to 24.9 percent 11,288 11.0%
25.0 to 29.9 percent 11,626 12.0%
30.0 to 34.9 percent 8,100 8.0%
35.0 percent or more 45,717 48.0%

Oakland Renters Insurance Discounts:

Oakland Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Oakland, CA Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 46,255 48.0% $11.2
2 vehicles available 18,548 19.0% $16.8
3 or more vehicles available 4,793 5.0% $22.4

Protective device discount in Oakland Up to :  $16

Claims-free discount in Oakland Up to :  $22

Oakland, CA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
94610 $678,200 $690
94602 $550,900 $670
94609 $473,900 $650
94619 $463,300 $660
94605 $382,800 $630
94612 $370,800 $630
94607 $352,200 $630
94606 $349,500 $630
94601 $292,500 $620
94621 $241,400 $610
94603 $237,100 $610