🏠 Home insurance cost in Oakland, CA (2027)
Estimated average: $2,272 per year — -1% vs. the U.S. average of $2,300.
With about 430,553 residents, Oakland is a large city and the #8 largest city in California. Home insurance rates here are estimated at $2,272 per year, above the California average of $2,185 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Oakland with other California cities.
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Oakland home insurance estimator
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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.