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Oakley is within the nine-county San Francisco Bay Area, and part of Contra Costa County, California.The city and it’s surrounding areas are a popular destination for recreation seekers, especially hunters, fishermen and boaters. The cost of living in Oakley is 11% lower than the California average, but still 21% higher than the national average. The cost of housing in Oakley is 46% higher than the national average. Residents enjoy landscaped parks, abundant recreational opportunities, shopping centers, and planned business and commercial development.  Oakley’s west border is Highway 160, which provides access to Oakland, San Francisco, San Jose, Sacramento, and the Central Valley. This means there is frequent and heavy traffic congestion in and around the city. This makes it especially important to explore all the options for cheap car insurance Oakley has to offer, as well as any discounts you may qualify for.

There are 29 full-time sworn personnel in the Oakley Police Department, 1 Chief, 2 Lieutenants, 5 Sergeants, and 21 Patrol Officers. The City still contracts with the Contra Costa County Sheriff’s Office for dispatch, forensics and jail services. Oakley is safer than 61% of the cities in the United States, and the overall crime rate 43% lower than the national average. Property crime is also low, at 44% below state average, and 41% lower than the country’s average. Low crime rates and a strong police force are very important in keeping down the cost of insurance for Oakley residents.

Oakley Insurance Requirements

 All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident


The minimum coverage may be all the law requires, but Oakley has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Oakley can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Oakley Public Transportation

Reduce your yearly mileage usage on your car and save money on your insurance by utilizing public transportation or carpooling. There is 1 airport and 7 Amtrak train stations within 30 miles of the Oakley city center. Because the average travel time to work in Oakley is 55% higher than the national average, the number of people who carpool to work in Oakley is 36% higher than the national average. Tri Delta Transit, Bay Area Rapid Transit (BART), and Central Contra Costa Transit Authority are just a few of the many public transportation options in Oakley.