Oakland Insurance Rates:

Oakland, CA homeowners insurance is about $544 to $738, about $45-$61/month. Our exhaustive analysis reveals consumers can save upto $256 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Oakland, CA Discounts on HomeOwners Insurance

In Oakland, CA homeowners pay an average home insurance rate of $1697. Homeowners in Oakland can use discounts offered by different companies to reduce their rates further. To save money on your monthly payments homeowners can take advantage of discounts offered by some of the leading insurers in town like Nationwide and State Farm for a lower cost than what is currently being charged

Home Insurance Discounts Based on Deductibles 


A newly constructed Oakland home can enjoy $458 off on homeowners insurance. Houses are at their lowest propensity to damage when they're new, which is why companies offer attractive discounts for these homes as well. In contrast, older houses attract higher rates of repair and maintenance costs - a cost that's reflected in the price of your homeowner’s insurance premium and leads them to be charged an additional fee. For instance Oakland homes older than 40 and 50 years receive an additional charge of $44 and $64, respectively, on home insurance.

Homeowners in Oakland can get up to $34 off their insurance premiums by installing a swimming  pool. Installing self-latching and self-closing gates around the pool also benefits your insurance rates and insurance companies provide discounts for the same. Additionally, senior citizens receive discounts on home insurance rates so it is a perk  that a household has at least one person over 50 years old living there.Homeowners who don't smoke or live with smokers may be eligible for an additional discount from certain companies too.

Although most of the factors that determine discounts cannot be controlled by  homeowners, they can benefit most by choosing deductibles to reduce home insurance rates. Homeowners can avail of attractive discounts by opting for higher deductibles. Oakland homeowners paying a high deductible of $2,500 can avail of a discount of $478.55 on homeowners insurance. Homeowners receive discounts of $400.83 and $269.14, respectively, on deductibles of $2,000 and $1,500.

Homeowners in Oakland who have a claims-free history with their home insurance company can receive discounts on their premiums.Homeowners with prior claims can pay more for factors such as the number and type of claims. By providing a history of zero claim, homeowners save money on their premiums in Oakland by $712.74 or $271.52respectively based on two fire damage incidents or water-damage incidents they have experienced previously.

Tips For Choosing The Best Oakland, CA, Home Insurance Company

The average cost of home insurance in Oakland, California, is $1,697. vHome’s analysis reveals that Oakland homeowners can save as much as $256 by comparing quotes from multiple home insurance companies. Below are some of the factors that Oakland homeowners should keep in mind before choosing the home insurance company that best suits their coverage needs.


A.M. Best Rating

Financial strength is referred to as the capacity of an insurance company to grant claims of current policyholders. Oakland homeowners are suggested to opt for home insurance companies with high financial strength ratings. A.M. Best rates home insurance companies based on their financial strength. Oakland homeowners can use these ratings to identify home insurance companies with a high financial capacity.

J.D. Power Score

J.D. Power awards home insurance companies with a score based on the feedback collected from current policyholders. The customer satisfaction score of an insurance company is calculated using policy coverage, insurance rates, discounts, customer handling, and the speed at which a claim is processed. Oakland homeowners can use the J.D. Power Score to choose insurance companies that ensure the satisfaction of policyholders.

Comparing Quotes

Home insurance companies use different parameters to calculate home insurance rates. Home insurance quotes differ from one insurance company to another. Oakland homeowners should obtain quotes from multiple home insurance companies to choose the cheapest one. Homeowners should also consider the add-on policies offered by home insurance companies, in addition to the standard home insurance policy.

Deductibles vs. Insurance Rates

Oakland homeowners can opt for high deductibles to reduce their home insurance rates. The deductibles and the corresponding reduction in home insurance rates differ from one home insurance company to another. Oakland homeowners are suggested to choose the home insurance company that offers the highest discount for their deductibles. For example, Oakland homeowners opting for a deductible of $2,500 and $2,000 pay $1,218 and $1,296, respectively.

Claims Processing Speed

Home insurance companies should be swift in processing the claims of homeowners. Homeowners are generally given a time period of 10 to 30 days to file a claim in case of damages. Once submitted, home insurance companies take a maximum of 40 days to review the claim and accept or deny it. Oakland homeowners are suggested to choose home insurance companies that have a simple and swift claims processing system.

The Cheapest Oakland, CA, Homeowners Insurance Companies

Homeowners in Oakland, CA, pay an average home insurance rate of $660 per annum. According to Vhome’s research, Oakland homeowners can save up to $256 by comparing multiple quotes of home insurance companies.


Allstate quoted an insurance rate of $456 for an Oakland home built in 1951, on a policy coverage ranging between $200,000 to $250,000, for a deductible rate of $1000 to $2500. Allstate provides a 10% discount to its home insurance policyholders every year. Homeowners can also avail of a 10% discount on early signing, in addition to other standard discounts.


Mapfre charges $522 in insurance rates for Oakland homes that are 7 to 15 years old, on a policy coverage of $150,000, for a deductible of $250. Homeowners can further reduce their insurance rates by opting to pay a high deductible. Mapfre provides claim-free discounts, home security discounts, and new home discounts.


Liberty quoted an insurance rate of $1,188 for an Oakland home built in 1943, on a policy coverage ranging between $400,000 to $500,000, for a deductible rate of $2,500 to $5,000. Liberty provides multi-policy discounts, paperless discount, army personnel’s discount, and protective devices discount, all of which make it one of the cheapest insurer in Oakland.


GEICO quoted an insurance rate of $1,476 for an Oakland home built in 1967, on a policy coverage ranging between $500,000 to $600,000, for a deductible rate of $500 to $1,000. GEICO provides special discounts of up to 15% to army personnel and federal employees, in addition to multi-policy discounts and home security discounts.

State Farm

Oakland homeowners who have a policy with State Farm pay an insurance rate of $3,160, on a policy coverage of over $10,000,000, for a deductible of $2,000. Considering the high coverage amount, the insurance cost charged by them is highly competitive in Oakland. Homeowners can also make use of available discounts to further lower their home insurance rates.


Oakland, CA Homeowners Insurance By Home Value

Oakland, CA Home Value Total Homes % of Total Average Oakland, CA 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

Top Home Insurance Agents Near Oakland, CA

Home Insurance Company Near Oakland, CA Homeowners Insurance Agency Near Oakland, CA Address
Liberty Mutual Independent Brennan & Associates 2200 POWELL ST STE 1080, EMERYVILLE, CA, 94608
State Farm James Foster Jr 2819 Crow Canyon Rd Ste 102, San Ramon, CA, 94583-1656
State Farm Jerry Olive 1530 Webster St Ste A, Fairfield, CA, 94533-4994
Allstate Robert Varich 1125 Saratoga Ave, San Jose, CA, 95129
State Farm Thierry Hugand 1952 Union St Ste 1, San Francisco, CA, 94123-4226

Oakland, CA Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Oakland, CA

Streets in Oakland Area Homeowners Insurance Cost
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

Oakland, CA Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Oakland$96 to $98
San Leandro$94

Oakland, CA Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Alameda city, California $100 $133 $200
Piedmont city, California $109 $145 $218
San Leandro city, California $94 $125 $188

Oakland, CA Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Oakland, CA2.1%9.5%
San Leandro2.23%12.33%

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

Oakland, CA Homeowners 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

Average Cost Of Home Insurance By Company In Areas Nearby Oakland For Different Scenarios

Coverage ($) Deductible ($) Age of home Company Average homeowners insurance premium ($)
1500002507-15 YearsMAPFRE Group522
2000005004-6 YearsCentury National592
2000005007-15 YearsAmerican Modern750
2000005007-15 YearsHartford (Sentinel)585
2000005007-15 YearsPacific Specialty527
20000050016-25 YearsAmica Mutual822
20000050016-25 YearsGrange832
20000050016-25 YearsPacific Specialty637
20000050041-70 YearsHartford (Sentinel)711
2500001000NewCalifornia Capital353
2500001000NewHartford (Sentinel)446
25000010001-3 YearsQBE (Balboa)524
25000010004-6 YearsMetropolitan Direct1119
250000100016-25 YearsGrange930
250000100026-40 YearsTokio Marine America332
250000100026-40 YearsUnigard Group686
250000500NewWestern Mutual/Residence494
2500005001-3 YearsEncompass677
2500005001-3 YearsStillwater Ins Co521

Oakland, CA Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Oakland Homeowner Insurance Premium Example $1,300$800
Out of Pocket Expense During Claim$500$2,500
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $9,600$8,100
Net Savings to Oakland Home Owner from High Deductible Plan $1,500

Oakland, CA Home Insurance Costs With Home Replacement Value Scenarios

Scenario Oakland, CA Home Replacement Value MORE than Home Value Oakland, CA Home Replacement Value LESS than Home Value
Replacement Value $255,500 $163,500
Insurance Premium based on Replacement Value $625 $400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $66,500 Risk Exposure from Under Insuring Coverage is $25,500
Premium Impact Insurance cheaper by $75/year Insurance costlier by $150/year

Example Oakland Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateGEICO InsuranceLiberty Mutual
Monthly Premium 3812399
Year Built 195119671943
Home Details 2 Beds, 1 Baths3 Beds, 1 Baths4 Beds, 3 Baths
Coverage Amount $200000-$250000$500000-$600000$400000-$500000
Deductible $1000-$2500 Deductible$500- $1000 Deductible$2500-$5000 Deductible

Sample Home Insurance Rates for Oakland, CA from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 460,000 Membrane Roof 2,220 4 $2500-$5000 Deductible 190 2 Stone Siding yes
1977 335,000 Wood Shake Roof 1,260 3 $500 Deductible 820 10 Stone Siding yes
1965 220,000 Membrane Roof 990 2 $500- $1000 Deductible 80 2 Wood siding No
1960 220,000 Metal Roof 1,220 2 $5000 to $10,000 Deductible 30 1 Brick siding No
1951 265,000 Shingles Roof 1,330 3 > $10,000 Deductible 460 12 Brick siding No
1951 660,000 Metal Roof 3,020 4 $500 Deductible 1810 10 Brick siding yes
1959 470,000 Membrane Roof 2,000 3 $500 Deductible 440 4 Brick siding yes
1958 630,000 Tile Roof 2,670 4 $500 Deductible 110 1 Wood siding yes
1956 220,000 Metal Roof 900 2 $5000 to $10,000 Deductible 240 10 Vinyl siding No
1977 290,000 Asphalt Shingles Roof 1,230 3 > $10,000 Deductible 310 6 Stucco siding No
1956 415,000 Metal Roof 1,620 4 > $10,000 Deductible 360 7 Vinyl siding yes
1961 420,000 Composition Roof 1,730 3 $500 Deductible 870 10 Fiber-Cement Siding yes
1947 500,000 Wood Shake Roof 2,320 4 $500- $1000 Deductible 850 7 Stucco siding yes
1968 830,000 Slate Shingles Roof 3,280 4 > $10,000 Deductible 570 6 Brick siding No
1978 230,000 Tile Roof 1,070 2 $500- $1000 Deductible 170 4 Stucco siding yes
1972 440,000 Wood Shake Roof 2,030 3 $5000 to $10,000 Deductible 240 3 Wood siding yes
1947 210,000 Slate Shingles Roof 920 2 > $10,000 Deductible 50 2 Vinyl siding yes
1969 340,000 Composition Roof 1,280 2 $5000 to $10,000 Deductible 360 8 Stone Siding No
1950 275,000 Asphalt Shingles Roof 1,420 3 > $10,000 Deductible 70 2 Wood siding No
1945 315,000 Tile Roof 1,280 3 $500 Deductible 150 2 Fiber-Cement Siding No
1945 200,000 Asphalt Shingles Roof 910 2 $500- $1000 Deductible 410 9 Stone Siding No
1958 615,000 Composition Roof 2,840 4 $1000-$2500 Deductible 150 1 Brick siding yes
1960 405,000 Tile Roof 1,730 3 $500- $1000 Deductible 900 7 Brick siding yes
1979 355,000 Wood Shake Roof 1,860 4 $2500-$5000 Deductible 660 10 Stucco siding yes
1973 410,000 Asphalt Shingles Roof 2,240 3 $1000-$2500 Deductible 240 4 Fiber-Cement Siding No
1974 810,000 Wood Shake Roof 3,170 4 $1000-$2500 Deductible 280 2 Brick siding No
1971 400,000 Asphalt Shingles Roof 1,530 3 $5000 to $10,000 Deductible 400 6 Wood siding yes
1977 585,000 Wood Shake Roof 2,200 3 $500 Deductible 1600 9 Vinyl siding yes
1966 415,000 Composition Roof 1,810 4 $2500-$5000 Deductible 810 9 Wood siding yes
1947 570,000 Tile Roof 1,339 3 $2500-$5000 Deductible 1830 9 Brick siding No

Latest Home Insurance Reviews

Century National
I would absolutely recommend this company. They are able to offer high quality coverage comparable to what is available through better-known companies for a lot less money.
I have not had a lot of experience with this company in terms of claims. The cost of the insurance does seem a little high.
State Farm
I have State Farm and they are really you people. They help me anytime I need help. I have shopped around but State farm is the cheapest I have found.
State Farm
I think State Farm offers great home insurance. They add a percentage to the value of the home to cover additional things in the case the home is a total loss.
Would recommend Geico for the ease of use in getting to know and understand their products. They offer great customer service with the ability to reach someone anytime you are needing a question answered.
The premium is fair compared to other companies. I get to choose when to pay and this helps a lot with my other bills. The deductible on the other hand is very high which I am okay with.
State Farm
My agent is awesome! He calls you back asap is so sweet. My agent is Brian O'Korn in Dubois Pennsylvania. He has the best ladies working with him. We moved locations because of the amazing ladies.:)
State Farm
I have compared prices and found that State Farm's prices were acceptable to me considering the good customer service. I also feel that sticking with the same insurance company might help in the future.
I would recommend them because they answer quickly and have always been able to answer my problems. They also are one of the most competitive on the market right now.
This insurance company offers extremely competitive offerings and their premiums and deductibles are some of the lowest in the industry.
My insurance company was open to comparing rates, and that they are always there if i have a question, comment, or any kind of concern about my home insurance.
State Farm
I do not like the limited things that are covered by this insurance companies home insurance. they should include more.
State Farm
State farm has always been there for us when there is a damage or disaster that happened in past few years.
State Farm
I like the ease of use and ability to file claims with the company. I can pay my bills with ease. I can also connect with my agent and let him know of any problems I have.
Stillwater Insurance Group
I am covered if hell freezes over and dumps snow on my house. also, we are covered from damage by a volcanic eruption!
Farmer's Insurance
I had to contact the customer service department a few times and have never come across any issues while speaking with a live person promptly.
State Farm
I have not had a lot of problems, my agent is easy to reach. She is personable and ready to answer my questions. She puts effort into making sure that I get the best coverage for my needs.
Overall, I like the availability of products, the helpfulness of staff both local and national. I dislike the cost and how I feel that I cannot switch because of all of the bundled products.
Farmer's Insurance
I haven't had to use customer service much. When I have, the experience has always been positive. I get answers fast and easily.
Liberty Mutual
It took 2 different claims on my roof before it actually got replaced. The first guy just did not want to pay for it even though I had 2 large patches missing that caused water damage. I had to patch them myself because they didn't pay out. I'm not a roofer. The next claim a few months later took care of everything.
Progressive is a good, reputable company that has always provided me with good service. They always answer my questions when I call and make it easy with the home insurance plans they offer.
I really use my independent broker to research the best plan for me, he provides me with his research so I know I am getting the best plan for my needs.
Farmer's Insurance
I like that the company is always open to suggestions from customers. They are smaller and have a local vibe, so it doesn't feel like its some huge corporation trying to make a profit off of you. I love that feeling and I'm glad that I chose the insurance company near me that has it.
Progressive is a great insurance company, they are affordable, considerate, and respectful of their customers. They are able to answer any questions you may have and will bend over backward to provide support.
Liberty Mutual
I am happy with the premium and the communication I receive regarding coverage and premium. Other than those areas I am trusting that they are a good company and will stand by me in the case of a claim.
They do what they are supposed to do. I pay my bill every month and they offer me insurance services if something happens to my home. What more do you want to know?
State Farm
I recommend State Farm for home insurance because the rates are affordable and they are quick to approve claims. There is never a hassle with them and they are friendly and professional.
State Farm
I have no complaints. The premiums are acceptable, the customer service is top notch, and since I have never had to file a claim, I think that is probably helping me look at the company more positively. If I got denied for a claim, that might change things.
State Farm
Honestly, I cannot think of anything that I really dislike about my insurance company except that I would like for my annual premiums to be lower based on the fact that I have been with them for such a long time.
Allied Insurance
The only dealings that I've ever had with them were for the roof damage. I felt that I was low balled on purpose to get out of paying my claim.
State Farm
I liked at first that they were convenient to my location. and the starting down payment was low
State Farm
Their office is far from my house. Parking there is difficult. I wish I could pay monthly without an additional fee.
Based on the premiums (inexpensive), coverage (good and comprehensive) and ease of customer access (online or by phone), I would recommend GEICO.

How To Make Your Oakland, CA Home Insurance Cheaper

How Much Does Oakland, CA Home Insurance Cost?