🏠 Home insurance cost in Oakland, CA (2026)
Estimated average: $2,272 per year — -1% vs. the U.S. average of $2,300.
$2,272
Est. home insurance in Oakland
per year
$2,185
California average
$2,300
U.S. average
430,553
Population
Estimate your home insurance in Oakland
Oakland home insurance estimator
Estimated$1,431/year
Starts from the Oakland estimate. Get quotes to confirm your price.
Oakland home insurance FAQ
How much is home insurance in Oakland, CA?
The estimated average is $2,272 per year — above the state average (+4% vs. the California average of $2,185, and -1% vs. the U.S. average).
Is home insurance more expensive in Oakland than elsewhere in California?
Oakland has about 430,553 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Oakland?
Compare at least three quotes from insurers active in Oakland, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.