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Get Cheap Car Insurance in Downtown Berkeley, Berkeley, CA
We monitor insurance prices, helping the average driver in Downtown Berkeley save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Downtown Berkeley
The chart below shows the cheapest car insurance company in Downtown 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.
| Downtown Berkeley Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $67 |
| Travelers | $69 |
Savings for Every Kind of Downtown Berkeley Driver
Based on our extensive insurance data, we know the average Downtown 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 $704 per year by choosing the right vehicle insurance company. Some Downtown Berkeley residents are paying out over $2,202 extra every year for auto insurance in Downtown Berkeley. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Berkeley, Berkeley, CA Savings / Yr. |
|---|---|
$704 |
|
$1,290 |
|
$1,020 |
|
$1,792 |
|
$920 |
|
$399 |
|
$0 |
Downtown Berkeley Car Insurance vs. Berkeley
People living in Downtown Berkeley pay an average of 9.66% more than the typical driver in the state. The average driver in Downtown Berkeley can expect to pay about $1,031 per year, or $2,202 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Downtown Berkeley for most people.
Car Insurance Prices by Downtown Berkeley Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Berkeley?
The map shows insurance prices in and around Downtown Berkeley, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $401 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,328 to a low of $1,927. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the South parts of Downtown Berkeley.Pick the Best Car Insurance Company for You in Downtown Berkeley
The best car insurance provider for most drivers in Downtown Berkeley
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $704 over the average Downtown Berkeley car insurance company.
The best car insurance provider for Downtown 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 $1,290 over the competition.
The best car insurance company for Downtown Berkeley drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,020 better than other car insurance companies.
The best auto insurance for Downtown Berkeley drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,792 less each year.
The least expensive car insurance company for new and young drivers in Downtown Berkeley
In Downtown Berkeley, State Farm costs young drivers $920 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Berkeley
Progressive gave the largest car insurance discounts to married couples, averaging $399 saved each year compared to an average Downtown Berkeley couple's premiums.
The cheapest car insurance in Downtown Berkeley for drivers with bad credit
The best Downtown Berkeley car insurance company for customer service
Nationwide was the best company for customer service in Downtown Berkeley according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Berkeley
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Downtown 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 Downtown 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 Downtown Berkeley
What Influences the Cost of Car Insurance in Downtown Berkeley?
On average, car insurance in Downtown 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 Downtown Berkeley is 35 minutes, which is about the national 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 Downtown 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 C- according to CrimeGrade.org.
- Downtown Berkeley is one of the least populated areas 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 Downtown Berkeley is $86 per month for minimum coverage and $184 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
- South Berkeley: Insurance costs 0.41% more
- Central Berkeley: Insurance costs 2.45% less
- North Berkeley: Insurance costs 4.31% less
- Elmwood: Insurance costs 3.77% less
- SouthWest Berkeley: Insurance costs 2.50% more
- Santa Fe: Insurance costs 9.17% more
- Westbrae: Insurance costs 5.68% less
- Bushrod: Insurance costs 2.91% more
- Fairview Park: Insurance costs 2.32% less
- Northwest Berkeley: Insurance costs 1.09% less
Neighborhoods with Similar Populations
- Sandalfoot Cove: Insurance costs 37.47% more
- West Redlands: Insurance costs 3.95% less
- Springfield: Insurance costs 20.35% more
- Shore Acres: Insurance costs 39.24% more
- Julia Keen: Insurance costs 16.80% less
- Irvine Business Complex: Insurance costs 0.41% less
- Side Hill: Insurance costs 21.89% less
- Huguenot: Insurance costs 45.82% less
- Hudson Avenue Historic District: Insurance costs 50.09% less
- South Amherst: Insurance costs 27.16% less