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Get Cheap Car Insurance in Berkley, MI
We monitor insurance prices, helping the average driver in Berkley save up to 41.9% on car insurance.
The Cheapest Minimum Coverage in Berkley
The chart below shows the cheapest car insurance company in Berkley 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 Auto-Owners Insurance, followed by Progressive, State Farm, and Safeco Insurance.
| Berkley Insurer | Monthly Cost |
|---|---|
| Auto-Owners Insurance | $111 |
| Progressive | $126 |
| State Farm | $127 |
| Safeco Insurance | $135 |
Savings for Every Kind of Berkley Driver
Based on our extensive insurance data, we know the average Berkley driver will save about 40% 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, and age. The average driver will find themselves saving $1,200 per year by choosing the right vehicle insurance company. Some Berkley residents are paying out over $2,987 extra every year for auto insurance in Berkley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Berkley, MI Savings / Yr. |
|---|---|
$1,200 |
|
$1,960 |
|
$1,734 |
|
$2,635 |
|
$3,109 |
|
$0 |
|
$0 |
Berkley Car Insurance vs. Michigan
People living in Berkley pay an average of 3.03% more than the typical driver in the state. The average driver in Berkley can expect to pay about $2,269 per year, or $2,987 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Berkley for most people.
Car Insurance Prices by Berkley Neighborhood
Insurance Prices
Where is insurance cheapest within Berkley?
The map shows insurance prices in and around Berkley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $137 per year within the city boundaries, with insurance premiums ranging from a high of $3,047 to a low of $2,910. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the North parts of Berkley.Pick the Best Car Insurance Company for You in Berkley
The best car insurance provider for most drivers in Berkley
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $1,200 over the average Berkley car insurance company.
The best car insurance provider for Berkley drivers with accidents on their records
In our analysis, Auto-Owners Insurance saved the average person who had been in an accident the most, with annual savings averaging $1,960 over the competition.
The best car insurance company for Berkley drivers with speeding tickets
>Auto-Owners Insurance gave the average person with a speeding ticket the most savings, averaging $1,734 better than other car insurance companies.
The best auto insurance for Berkley drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $2,635 less each year.
The least expensive car insurance company for new and young drivers in Berkley
In Berkley, Geico costs young drivers $3,109 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Berkley
The cheapest car insurance in Berkley for drivers with bad credit
The best Berkley car insurance company for customer service
Recent price drops
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The cheapest large national provider in Berkley
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Berkley driver can expect to pay about $163 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 Berkley, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, good drivers, young drivers, drivers with accidents, and drivers with a DUI conviction.Auto Insurance Prices in and Around Berkley
What Influences the Cost of Car Insurance in Berkley?
On average, car insurance in Berkley 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:
- Michigan state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Berkley 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 Berkley is $189 per month for minimum coverage and $249 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
- Huntington Woods: Insurance costs 0.70% less
- Royal Oak: Insurance costs 1.24% more
- Oak Park: Insurance costs 19.25% more
- Lathrup Village: Insurance costs 18.98% more
- Pleasant Ridge: Insurance costs 1.41% more
- Beverly Hills: Insurance costs 2.21% more
- Clawson: Insurance costs 0.03% less
- Birmingham: Insurance costs 0.54% more
- Southfield: Insurance costs 21.26% more
- Ferndale: Insurance costs 9.17% more
Cities with Similar Populations
- Spring Lake: Insurance costs 12.12% less
- Marinette: Insurance costs 63.17% less
- Marshall: Insurance costs 48.58% less
- Buckhannon: Insurance costs 50.28% less
- Browns Summit: Insurance costs 59.06% less
- High Ridge: Insurance costs 37.63% less
- Mastic Beach: Insurance costs 14.13% less
- Van Wert: Insurance costs 64.91% less
- Thonotosassa: Insurance costs 5.39% less
- Camillus: Insurance costs 29.06% less