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Get Cheap Car Insurance in Belvedere-Tiburon, CA

We monitor insurance prices, helping the average driver in Belvedere-Tiburon save up to 33.7% on car insurance.

 

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The Cheapest Minimum Coverage in Belvedere-Tiburon

The chart below shows the cheapest car insurance company in Belvedere-Tiburon for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.

 
Belvedere-Tiburon Insurer Monthly Cost
Metromile $52
Geico $59
Progressive $63
Travelers $65

Savings for Every Kind of Belvedere-Tiburon Driver

The table shows how much the average auto insurance customer in Belvedere-Tiburon might save by following our recommendations.

Based on our extensive insurance data, we know the average Belvedere-Tiburon driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $665 per year by choosing the right vehicle insurance company. Some Belvedere-Tiburon residents are paying out over $2,079 extra every year for auto insurance in Belvedere-Tiburon. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Belvedere-Tiburon Car Insurance vs. California

People living in Belvedere-Tiburon pay an average of 3.52% more than the typical driver in the state. The average driver in Belvedere-Tiburon can expect to pay about $973 per year, or $2,079 for full coverage.

Based on our analysis, Metromile will be the cheapest provider in Belvedere-Tiburon for most people.

Car Insurance Prices by Belvedere-Tiburon Neighborhood

Belvedere-Tiburon, CA map of insurance costs by zip code and neighborhood

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Where is insurance cheapest within Belvedere-Tiburon?

The map shows insurance prices in and around Belvedere-Tiburon, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $156 per year within the city boundaries, with insurance premiums ranging from a high of $2,145 to a low of $1,989. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Central parts of Belvedere-Tiburon.

Pick the Best Car Insurance Company for You in Belvedere-Tiburon

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Belvedere-Tiburon insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Belvedere-Tiburon

For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $665 over the average Belvedere-Tiburon car insurance company.

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We use the average good driver, paying $118 per month, as our baseline for pricing in Belvedere-Tiburon. Allstate, Metromile, and Esurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Belvedere-Tiburon drivers with accidents on their records

In Belvedere-Tiburon getting into an accident will raise premiums an average 44% for a yearly cost of $3,738. That's $1,659 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Travelers, Metromile, and Mercury Insurance are good choices for drivers with accidents.

In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,217 over the competition.

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The best car insurance company for Belvedere-Tiburon drivers with speeding tickets

>Metromile gave the average person with a speeding ticket the most savings, averaging $963 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Belvedere-Tiburon, tickets raise premiums on new quotes about $1,055. If you have a speeding ticket, we recommend Geico, Metromile, and Mercury Insurance for savings that beat the average insurance cost of $3,134 per year.

The best auto insurance for Belvedere-Tiburon drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $5,264 per year in auto insurance premiums, which was $3,185 more than a driver with no major issues. Progressive, Travelers, and Mercury Insurance penalized their customers the least for a DUI.

Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,692 less each year.

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The least expensive car insurance company for new and young drivers in Belvedere-Tiburon

In Belvedere-Tiburon, State Farm costs young drivers $869 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 62% more for insurance than more mature drivers in Belvedere-Tiburon. With an average cost of $5,516 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Mercury Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Belvedere-Tiburon

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $206. Geico, Progressive, and Mercury Insurance provided the largest discounts to couples living in Belvedere-Tiburon.

Progressive gave the largest car insurance discounts to married couples, averaging $377 saved each year compared to an average Belvedere-Tiburon couple's premiums.

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The cheapest car insurance in Belvedere-Tiburon for drivers with bad credit

The state of California does not allow companies to use credit score to figure out premiums, so the prices are unchanged regardless of credit score

The best Belvedere-Tiburon car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Belvedere-Tiburon, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Belvedere-Tiburon.

Nationwide was the best company for customer service in Belvedere-Tiburon according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Belvedere-Tiburon, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Belvedere-Tiburon. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Belvedere-Tiburon

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 25% of Belvedere-Tiburon residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Allstate tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Belvedere-Tiburon driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Belvedere-Tiburon, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.
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Auto Insurance Prices in and Around Belvedere-Tiburon

What Influences the Cost of Car Insurance in Belvedere-Tiburon?

On average, car insurance in Belvedere-Tiburon is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Belvedere-Tiburon is 40 minutes, which is a little more than average for a driver in the state.
  • California state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Belvedere-Tiburon are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Belvedere-Tiburon is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Belvedere-Tiburon is $81 per month for minimum coverage and $173 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

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* Who is the average Belvedere-Tiburon driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Belvedere-Tiburon with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.