Pricing Guide · Oakland
Insurance Agents Cost in Oakland, CA — 2026 Price Guide
What should you pay for insurance agents in Oakland? See real 2026 price ranges from local pros and get free quotes to compare.
As of July 2026, RatingsNearMe ranks 20 insurance agents in Oakland, CA by the RNM Score — a 0–100 rating built from Google ratings, review volume, sentiment, and profile completeness. The top-ranked is AAA Oakland Rockridge Branch with a 4.3-star rating from 546 Google reviews and an RNM Score of 76/100. Also in the top tier: Kelly Wright - State Farm Insurance Agent and Freeway Insurance. The average rating across all listed insurance agents in Oakland is 4.8 stars from 133 reviews per business on average.
Insurance in Oakland: agents are typically paid by commission (5–15% of premium) — no cost to you to compare quotes.
Rankings updated July 4, 2026 · RNM Score = ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · Not paid placement.
Best Overall
Kelly Wright - State Farm Insurance Agent
Kelly Wright stands out as the top-ranked agent due to consistently high customer satisfaction and strong local reputation in Oakland.
Most Reviewed
Kelly Wright - State Farm Insurance Agent
A high review count indicates broad customer experience and trust, making it a reliable choice for prospective clients.
When choosing an insurance agent in Oakland, compare quotes from multiple agents and read recent reviews to ensure the agent meets your specific coverage needs and offers responsive customer service.
Local Market Snapshot
20
Businesses listed
4.8★
Avg rating
133
Avg reviews
Jul 4, 2026
Last updated
Top Rated Insurance Agents
Trusted by hundreds of customers, this Oakland insurance agent holds a solid 4.3-star rating.
1982 Pleasant Valley Ave, Oakland, CA 94611, USAOakland insurance agent with a perfect 5.0-star rating from 259 reviews.
5273 College Ave #101, Oakland, CA 94618, USATrusted by hundreds of clients, this Oakland agent holds a strong 4.6-star rating.
1452 High St Ste B, Oakland, CA 94601, USAInsurance Agents Rankings in Oakland, CA
| # | Business | Rating | Reviews |
|---|---|---|---|
| #1 | AAA Oakland Rockridge Branch1982 Pleasant Valley Ave, Oakland, CA 94611, USA | 4.3★ | 546 |
| #2 | Kelly Wright - State Farm Insurance Agent5273 College Ave #101, Oakland, CA 94618, USA | 5.0★ | 259 |
| #3 | Freeway Insurance1452 High St Ste B, Oakland, CA 94601, USA | 4.6★ | 342 |
| #4 | Cost-U-Less Insurance5353 Claremont Ave Ste A, Oakland, CA 94618, USA | 4.7★ | 219 |
| #5 | American Standard599 58th St, Oakland, CA 94609, USA | 5.0★ | 10 |
| #6 | Khidir Insurance Agency3114 San Pablo Ave, Oakland, CA 94608, USA | 4.9★ | 181 |
| #7 | Mat Dahms - State Farm Insurance Agent4400 Keller Ave #260, Oakland, CA 94605, USA | 5.0★ | 76 |
| #8 | avail insurance solutions, inc - independent insurance broker6023 College Ave, Oakland, CA 94618, USA | 5.0★ | 36 |
| #9 | Jain Williams - State Farm Insurance Agent4222 MacArthur Blvd, Oakland, CA 94619, USA | 4.9★ | 229 |
| #10 | Odalis Ordonez Insurance Agency3560 Grand Ave, Oakland, CA 94610, USA | 5.0★ | 169 |
Ranked by verified ratings & review volume · Data from Google Business listings · Updated July 2026
All Insurance Agents in Oakland
Top-rated Oakland insurance agent with 4.7 stars from over 200 reviews.
5353 Claremont Ave Ste A, Oakland, CA 94618, USA
Exceptional 5.0-star rating from 10 Google reviews for this Oakland insurance agent.
599 58th St, Oakland, CA 94609, USA
Boasting a 4.9-star rating from 181 reviews, this Oakland agent is highly trusted.
3114 San Pablo Ave, Oakland, CA 94608, USA
5.0 stars from 76 Google reviews, reflecting consistently exceptional customer satisfaction.
4400 Keller Ave #260, Oakland, CA 94605, USA
Oakland insurance agent with a perfect 5.0 rating from 36 Google reviews.
6023 College Ave, Oakland, CA 94618, USA
Trusted by hundreds with an exceptional 4.9★ rating from local clients.
4222 MacArthur Blvd, Oakland, CA 94619, USA
Boasting a perfect 5.0-star rating from 169 Google reviews, this Oakland insurance agent is highly trusted.
3560 Grand Ave, Oakland, CA 94610, USA
Exceptional 5.0-star rating from over 100 Google reviews in Oakland.
490 Grand Ave #210, Oakland, CA 94610, USA
Trusted by hundreds of Oakland clients, this agent holds a strong 4.3-star rating.
4102 International Blvd, Oakland, CA 94601, USA
Boasting a perfect 5.0-star rating from 89 Google reviews, this trusted Oakland agent excels.
410 14th St, Oakland, CA 94612, USA
4.9★ average from 71 Google reviews reflects exceptional client satisfaction.
5273 College Ave #101, Oakland, CA 94618, USA
4.9 stars from 71 Google reviews, reflecting exceptional client trust in Oakland.
4490 Piedmont Ave, Oakland, CA 94611, USA
Offering insurance with a 3.7-star rating from 32 Google reviews.
4819 International Blvd, Oakland, CA 94601, USA
Highly rated Oakland insurance agent with a strong 4.6-star average from 11 Google reviews.
825 Washington St #331, Oakland, CA 94607, USA
Top-rated Oakland insurance agent with a perfect 5.0 stars from 39 reviews.
6228 Merced Ave, Oakland, CA 94611, USA
Boasting a perfect 5.0-star rating from nearly 30 reviews, this Oakland agent is highly trusted.
324 10th St #235, Oakland, CA 94607, USA
4.8 stars from 28 reviews, reflecting consistently high customer satisfaction.
3333 Grand Ave #203, Oakland, CA 94610, USA
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Insurance Agents in Oakland, CA — Compared
| # | Business | RNM Score | Rating | Reviews |
|---|---|---|---|---|
| 1 | AAA Oakland Rockridge Branch | 76/100 | 4.3 ★ | 546 |
| 2 | Kelly Wright - State Farm Insurance Agent | 88/100 | 5.0 ★ | 259 |
| 3 | Freeway Insurance | 82/100 | 4.6 ★ | 342 |
| 4 | Cost-U-Less Insurance | 83/100 | 4.7 ★ | 219 |
| 5 | American Standard | 71/100 | 5.0 ★ | 10 |
| 6 | Khidir Insurance Agency | 85/100 | 4.9 ★ | 181 |
| 7 | Mat Dahms - State Farm Insurance Agent | 82/100 | 5.0 ★ | 76 |
| 8 | avail insurance solutions, inc - independent insurance broker | 78/100 | 5.0 ★ | 36 |
| 9 | Jain Williams - State Farm Insurance Agent | 86/100 | 4.9 ★ | 229 |
| 10 | Odalis Ordonez Insurance Agency | 86/100 | 5.0 ★ | 169 |
Ranked by RatingsNearMe Score · ratings (35%), review volume (30%), sentiment (20%), completeness (10%), availability (5%) · July 2026
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Frequently Asked Questions — Insurance Agents in Oakland
What is the difference between a captive and independent insurance agent in Oakland?
Captive agents (State Farm, Allstate, Farmers) represent one company and can only quote that carrier's products. Independent agents work with multiple carriers — they shop your policy across companies to find the best rate and coverage for your situation. For most consumers, an independent agent offers more flexibility. Captive agents may have deeper expertise in their specific carrier's products and claims process.
How do I verify an insurance agent's license in CA?
Search the CA Department of Insurance's online license lookup — Google "CA Department of Insurance license lookup" for the direct link. You can verify current license status, license type, and any disciplinary actions. Every agent selling insurance in CA must be licensed with the state.
How much does working with a local insurance agent in Oakland cost?
In most cases, nothing directly. Insurance agents earn commissions paid by the insurance company — typically 5–15% of your annual premium for property/casualty coverage, 40–100% of first-year premium for life insurance. Fee-based agents charge separately and disclose it upfront. Always ask how your agent is compensated so you understand any potential incentives.
Should I buy insurance online or through a local agent in Oakland?
Online works for simple auto or renters policies if you understand what you're buying. A local agent in Oakland adds real value for homeowners insurance, life insurance, commercial policies, or any situation with complexity — rental properties, high-value items, home-based businesses, or coverage gaps. They also advocate for you during a claim, which online portals don't.
How are the insurance agents on this page ranked?
Rankings use a transparent algorithm: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Featured Partner listings have paid for enhanced visibility but must still earn their position through real customer reviews — sponsored listings are clearly labeled.
Insurance Agents in Nearby Cities
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How Rankings Work on This Page
Every insurance agents on RatingsNearMe is scored transparently: star rating (35%), review volume (30%), customer sentiment (20%), profile completeness (10%), and availability (5%). Businesses labeled exclusive or premium are Featured Partners — they have paid for enhanced visibility but must still rank through real customer reviews. We cap sponsored boosts so bad businesses can never buy the top spot.
Editorial notice: Ratings are based on publicly available data from Google Business listings. Consumers should independently verify licensing, insurance, and credentials before hiring any service provider. Last updated: July 4, 2026.
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