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Get Cheap Car Insurance in Central Berkeley, Berkeley, CA
We monitor insurance prices, helping the average driver in Central Berkeley save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Central Berkeley
The chart below shows the cheapest car insurance company in Central 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.
| Central Berkeley Insurer | Monthly Cost |
|---|---|
| Metromile | $54 |
| Geico | $61 |
| Progressive | $65 |
| Travelers | $67 |
Savings for Every Kind of Central Berkeley Driver
Based on our extensive insurance data, we know the average Central 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 $687 per year by choosing the right vehicle insurance company. Some Central Berkeley residents are paying out over $2,148 extra every year for auto insurance in Central Berkeley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Central Berkeley, Berkeley, CA Savings / Yr. |
|---|---|
$687 |
|
$1,258 |
|
$995 |
|
$1,748 |
|
$897 |
|
$389 |
|
$0 |
Central Berkeley Car Insurance vs. Berkeley
People living in Central Berkeley pay an average of 6.95% more than the typical driver in the state. The average driver in Central Berkeley can expect to pay about $1,005 per year, or $2,148 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Central Berkeley for most people.
Car Insurance Prices by Central Berkeley Neighborhood
Insurance Prices
Where is insurance cheapest within Central Berkeley?
The map shows insurance prices in and around Central Berkeley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $423 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,350 to a low of $1,927. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Central Berkeley.Pick the Best Car Insurance Company for You in Central Berkeley
The best car insurance provider for most drivers in Central Berkeley
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $687 over the average Central Berkeley car insurance company.
The best car insurance provider for Central 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 $1,258 over the competition.
The best car insurance company for Central Berkeley drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $995 better than other car insurance companies.
The best auto insurance for Central Berkeley drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,748 less each year.
The least expensive car insurance company for new and young drivers in Central Berkeley
In Central Berkeley, State Farm costs young drivers $897 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Central Berkeley
Progressive gave the largest car insurance discounts to married couples, averaging $389 saved each year compared to an average Central Berkeley couple's premiums.
The cheapest car insurance in Central Berkeley for drivers with bad credit
The best Central Berkeley car insurance company for customer service
Nationwide was the best company for customer service in Central Berkeley according to the NAIC.
Recent price drops
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The cheapest large national provider in Central Berkeley
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Central 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 Central 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 Central Berkeley
What Influences the Cost of Car Insurance in Central Berkeley?
On average, car insurance in Central 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 neighborhood are influenced by the following factors:
- The average commute time in Central Berkeley is 42 minutes, which is far more than average for a driver in the city.
- 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 Central Berkeley are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
- Central Berkeley is a lightly populated area in the state. The neighborhood’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 Central Berkeley is $84 per month for minimum coverage and $179 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 Neighborhoods
- Downtown Berkeley: Insurance costs 2.51% more
- SouthWest Berkeley: Insurance costs 5.07% more
- Westbrae: Insurance costs 3.31% less
- Santa Fe: Insurance costs 11.92% more
- South Berkeley: Insurance costs 2.93% more
- North Berkeley: Insurance costs 1.91% less
- Northwest Berkeley: Insurance costs 1.40% more
- Elmwood: Insurance costs 1.35% less
- Berkeley Hills: Insurance costs 6.61% less
- Paradise Park: Insurance costs 10.94% more
Neighborhoods with Similar Populations
- Rancho Sahuarita: Insurance costs 19.88% less
- Northgate: Insurance costs 5.91% less
- West Meade: Insurance costs 33.01% less
- Lake Marion Village: Insurance costs 21.04% more
- West Bethlehem: Insurance costs 33.29% less
- Forest View: Insurance costs 36.50% more
- Central Carrollton: Insurance costs 9.96% less
- Cherry Hill: Insurance costs 12.34% more
- Fairview: Insurance costs 0.09% less
- Riverside: Insurance costs 15.55% more