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Get Cheap Car Insurance in Berkeley, CA
We monitor insurance prices, helping the average driver in Berkeley save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Berkeley
The chart below shows the cheapest car insurance company in Berkeley 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.
| Berkeley Insurer | Monthly Cost |
|---|---|
| Metromile | $54 |
| Geico | $61 |
| Progressive | $65 |
| Travelers | $67 |
Savings for Every Kind of Berkeley Driver
Based on our extensive insurance data, we know the average Berkeley 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 $685 per year by choosing the right vehicle insurance company. Some Berkeley residents are paying out over $2,141 extra every year for auto insurance in Berkeley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Berkeley, CA Savings / Yr. |
|---|---|
$685 |
|
$1,254 |
|
$992 |
|
$1,742 |
|
$895 |
|
$388 |
|
$0 |
Berkeley Car Insurance vs. California
People living in Berkeley pay an average of 6.63% more than the typical driver in the state. The average driver in Berkeley can expect to pay about $1,002 per year, or $2,141 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Berkeley for most people.
Car Insurance Prices by Berkeley Neighborhood
Insurance Prices
Where is insurance cheapest within Berkeley?
The map shows insurance prices in and around Berkeley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $546 per year within the city boundaries, with insurance premiums ranging from a high of $2,426 to a low of $1,880. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Berkeley.Pick the Best Car Insurance Company for You in Berkeley
The best car insurance provider for most drivers in Berkeley
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $685 over the average Berkeley car insurance company.
The best car insurance provider for Berkeley drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,254 over the competition.
The best car insurance company for Berkeley drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $992 better than other car insurance companies.
The best auto insurance for Berkeley drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,742 less each year.
The least expensive car insurance company for new and young drivers in Berkeley
In Berkeley, State Farm costs young drivers $895 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Berkeley
Progressive gave the largest car insurance discounts to married couples, averaging $388 saved each year compared to an average Berkeley couple's premiums.
The cheapest car insurance in Berkeley for drivers with bad credit
The best Berkeley car insurance company for customer service
Recent price drops
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The cheapest large national provider in Berkeley
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Berkeley driver can expect to pay about $129 per month.
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 Berkeley, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Berkeley
What Influences the Cost of Car Insurance in Berkeley?
On average, car insurance in Berkeley 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 Berkeley is 38 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 Berkeley are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Berkeley is a lightly populated area 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 Berkeley is $84 per month for minimum coverage and $178 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.
Car Insurance in Nearby Cities
- Albany: Insurance costs 1.12% less
- Emeryville: Insurance costs 9.86% more
- Orinda Village: Insurance costs 7.47% less
- El Cerrito: Insurance costs 1.49% more
- Piedmont: Insurance costs 4.48% less
- Orinda: Insurance costs 6.82% less
- Richmond: Insurance costs 8.31% more
- Canyon: Insurance costs 8.59% less
- Oakland: Insurance costs 9.57% more
- El Sobrante: Insurance costs 1.59% more
Cities with Similar Populations
- San Francisco: Insurance costs 0.23% more
- Santa Maria: Insurance costs 4.53% less
- Queens: Insurance costs 58.10% more
- Pharr: Insurance costs 12.80% less
- Racine: Insurance costs 42.32% less
- Philadelphia: Insurance costs 28.91% less
- Rancho Cucamonga: Insurance costs 2.99% more
- Pleasanton: Insurance costs 4.34% less
- Plainfield: Insurance costs 26.72% less
- Portsmouth: Insurance costs 39.33% less