Oakland has 439,418 residents in 176,584 households. We list 19 insurance agencies in Oakland. Here is what the local numbers say about the cover people here need.

Oakland at a glance

19insurance agencies listed
57.7%of households rentRenters insurance
$929,900median home valueHome insurance
1953median year homes were builtRebuild cost calculator
16.2%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Alameda County

FEMA rates the overall natural hazard risk in Alameda County, where most Oakland agencies we list are located, as Very High compared with other U.S. counties. The hazards it rates highest:

EarthquakeVery High
Standard home policies do not cover earthquake damage. It is bought as a separate policy or added to a home policy.
Earthquake insurance
Inland floodingVery High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in California
WildfireRelatively High
Fire is a standard cause of loss on home policies. In high-risk areas, check that the dwelling limit would rebuild the home at today’s costs.
Home insurance in Oakland
Coastal floodingRelatively High
Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.
Flood insurance in California

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in California

California requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $15,000 of property damage liability, often written 30/60/15.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Oakland How much liability cover do you need?

Source: dmv.ca.gov, limits in force since 2025-01-01. Checked 2026-10-24.

What Oakland agencies can write

Share of the 19 agencies listed in Oakland that are appointed with at least one insurance company writing each type, or that name it on their own website.

Source: our listings. Appointment with a company that writes a type does not guarantee an agency sells it today.

Where Oakland agencies are

Oakland agencies we list sit in 7 ZIP codes, mostly in Alameda County.

946077 agencies
946094 agencies
946124 agencies
946011 agency
946061 agency
946111 agency
946181 agency

Questions

Insurance agencies in Oakland

How do I find an insurance agency in Oakland?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What insurance can I get from agencies in Oakland?

Most often auto, home, life, motorcycle, boat. Pick a type in the filters to narrow the list.

Do I need flood insurance in Oakland?

FEMA's National Risk Index rates inland flooding risk in Alameda County as Very High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

Do I need renters insurance in Oakland?

57.7% of households in Oakland rent, according to the Census Bureau's American Community Survey. A landlord's policy covers the building, not your belongings or your liability; renters insurance covers those.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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Agencies near Oakland

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