Insurance Agencies · Oakland, CA/Updated June 13, 2026
The 10 Best Insurance Agents in Oakland, CA
Navigating insurance options can be overwhelming. Our rankings help you find the best agents in Oakland to meet your needs.
MHMaya Hendricks · Home Services Editor Updated June 13, 2026 · Next review July 2026
Editorially independent10 companies evaluated
cover story
★ Editor's ChoiceKhidir Insurance Agency
96Score
Latest update · June 13, 2026: Initial ranking published. 10 Oakland-metro insurance agencies businesses evaluated, top 10 ranked by Vetted Score.
Finding the right insurance agent in Oakland is essential for protecting your assets and ensuring you have the coverage you need. With the local market still developing trust, choosing wisely can save you time and money.
We evaluated 10 insurance providers in the area, ranking them based on customer ratings and review counts. Our goal was to highlight the most reliable options available, focusing on those with proven customer satisfaction.
10insurance agents evaluated in Oakland
4.83average rating across the field
928customer reviews analyzed
Cityvetted analysis of public Google review data, updated June 13, 2026.
To assess the best insurance agents in Oakland, we analyzed customer reviews, satisfaction ratings, and overall service offerings. Each provider was evaluated on a transparent scale, ensuring that no one pays for placement in our rankings.
Our list is refreshed monthly to reflect the latest customer feedback and ratings. This ongoing assessment keeps our recommendations current and relevant for Oakland residents seeking insurance services.
The Vetted Score: six weighted factors
Customer sentiment25%
Rating quality20%
Review volume & velocity20%
Website trust signals15%
Service breadth10%
Business longevity10%
Sentiment is measured by AI analysis of review text, recency-weighted, with verified-pattern checks to discount suspicious review bursts.
With a stellar rating of 4.9 from 232 reviews, Khidir Insurance Agency is consistently praised for its personalized service and knowledgeable agents. Customers appreciate the quick response times and the tailored insurance solutions offered. However, the agency may not have as many policy options as some larger firms. Overall, it excels in customer support and local expertise.
Cost-U-Less Insurance holds a strong rating of 4.7 based on 250 reviews, making it a go-to for those seeking affordable insurance options. Reviewers highlight the competitive pricing and the helpfulness of the staff. On the downside, some customers note longer wait times during peak hours. This agency is ideal for budget-conscious individuals looking for solid coverage.
Freeway Insurance has a rating of 4.6 from 383 reviews, making it one of the most reviewed agencies in Oakland. Customers appreciate the diverse range of services offered and the knowledgeable staff. However, some clients report issues with claims processing. This agency is best for those who value a wide selection of insurance products.
Near By Insurance Agency has an impressive rating of 5 from 29 reviews, showcasing high customer satisfaction. Reviewers commend the friendly staff and personalized service. However, the limited number of reviews makes it hard to gauge consistency in service. This agency could be a great option for those seeking a highly rated local agent.
Pros
High customer satisfaction
Friendly staff
Cons
Limited reviews
Less established
Best forPersonalized local service
Service areaOakland, CA
Typical pricing$80 to $250 per month
5
Andy Low Cost Auto Insurance
★★★★★5.0(13 reviews)
81Score
Andy Low Cost Auto Insurance has a perfect rating of 5 from 13 reviews. Customers appreciate the low prices and straightforward process. However, the small review base raises questions about reliability. This agency might be a good fit for those looking for basic auto insurance without frills. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is basic auto insurance. It serves Oakland, CA, with $70 to $200 per month pricing, and the honest trade-offs are small review base and limited services.
Pros
Low prices
Simple process
Cons
Small review base
Limited services
Best forBasic auto insurance
Service areaOakland, CA
Typical pricing$70 to $200 per month
6
Kyraser Affordable Auto Insurance Oakland
★★★★★4.6(10 reviews)
80Score
Kyraser Affordable Auto Insurance has a rating of 4.6 from 10 reviews. Customers appreciate the affordability and ease of getting quotes. However, the low number of reviews means this agency is still building a reputation. It may be suitable for those looking for budget-friendly auto insurance. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is budget-friendly auto insurance. It serves Oakland, CA, with $60 to $180 per month pricing, and the honest trade-offs are few reviews and less known.
Prime SR22 Insurance has a perfect rating of 5 from just 2 reviews. Customers report satisfaction with the service provided. However, the minimal feedback makes it difficult to assess reliability. This agency could be a potential choice for individuals needing SR22 insurance. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is sR22 insurance needs. It serves Oakland, CA, with $100 to $250 per month pricing, and the honest trade-offs are very few reviews and limited service options.
BestRate Auto Insurance Group has a perfect rating of 5 from 2 reviews. Customers appreciate the quick service and competitive quotes. However, the lack of reviews makes it hard to determine consistency in service quality. This agency may be suitable for those seeking fast quotes. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is fast insurance quotes. It serves Oakland, CA, with $90 to $250 per month pricing, and the honest trade-offs are very few reviews and limited options.
Oakland Health Insurance has a rating of 4.5 from 6 reviews. Reviewers note the helpful staff and variety of health plans available. However, the small review base raises concerns about trust. This agency is a potential option for those seeking health insurance in Oakland. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is health insurance options. It serves Oakland, CA, with $150 to $400 per month pricing, and the honest trade-offs are small review base and less established.
Pros
Helpful staff
Variety of health plans
Cons
Small review base
Less established
Best forHealth insurance options
Service areaOakland, CA
Typical pricing$150 to $400 per month
10
SavingsFirst Auto Insurance
★★★★★5.0(1 reviews)
78Score
SavingsFirst Auto Insurance has a perfect rating of 5 from just 1 review. The single review highlights satisfaction with the service. However, the lack of feedback makes it hard to assess reliability. This agency might work for those looking to explore new options. The review base is still thin, so we read the rating as promising rather than proven and weighted it accordingly. Most of what reviewers hire it for is exploring new insurance options. It serves Oakland, CA, with $70 to $200 per month pricing, and the honest trade-offs are only one review and unproven track record.
Pros
High satisfaction from one customer
Cons
Only one review
Unproven track record
Best forExploring new insurance options
Service areaOakland, CA
Typical pricing$70 to $200 per month
Before you book
How to choose an insurance agent in Oakland
Selecting an insurance agent is a crucial step in safeguarding your financial future. Here are key questions to ask potential agents before making your choice.
What types of insurance do you specialize in?
Make sure the agent has experience with the specific type of insurance you need, whether it's auto, health, or home insurance.
How do you handle claims?
Understanding the claims process can save you headaches later. Ask about their approach to assisting clients during claims.
What are your fees and commission structure?
Clarify any costs upfront to avoid surprises later. Transparency in fees is a good indicator of trustworthiness.
What it costs
What insurance costs in Oakland
The cost of insurance varies widely based on coverage types and personal circumstances. Here’s a general breakdown of what you might expect to pay.
Auto Insurance$100 to $300 per month, depending on coverage and driving history.
Health Insurance$200 to $600 per month for individual plans, with variations based on coverage level.
Homeowners Insurance$800 to $2,000 annually, influenced by home value and location.
Renters Insurance$15 to $30 per month, offering affordable protection for personal belongings.
Frequently asked questions
How much does insurance cost in Oakland?
Insurance costs in Oakland vary widely, with providers like Khidir Insurance Agency typically offering plans starting around $100 to $200 per month, depending on coverage.
What factors influence insurance rates in Oakland?
Rates are influenced by factors such as your driving history, the type of vehicle, and the level of coverage you choose. Providers with more reviews, like Cost-U-Less Insurance, may offer more competitive rates.
How often is this ranking updated?
We re-run the full analysis monthly with fresh review data. Last updated June 13, 2026.
Our verdict
For most Oakland residents: <strong>Khidir Insurance Agency</strong>
Khidir Insurance Agency is the best choice for most Oakland residents, offering a strong track record with 4.9 stars from 232 reviews. If you prefer a provider with more options, Cost-U-Less Insurance is a close second at 4.7 stars from 250 reviews, making it ideal for those seeking a wider selection of policies. For those with unique needs, like SR22 coverage, Freeway Insurance is a solid alternative at 4.6 stars from 383 reviews, especially for customers needing specialized insurance solutions.
Cityvetted
