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Get Cheap Car Insurance in El Cerrito, CA
We monitor insurance prices, helping the average driver in El Cerrito save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in El Cerrito
The chart below shows the cheapest car insurance company in El Cerrito 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.
| El Cerrito Insurer | Monthly Cost |
|---|---|
| Metromile | $55 |
| Geico | $62 |
| Progressive | $66 |
| Travelers | $68 |
Savings for Every Kind of El Cerrito Driver
Based on our extensive insurance data, we know the average El Cerrito 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 $695 per year by choosing the right vehicle insurance company. Some El Cerrito residents are paying out over $2,173 extra every year for auto insurance in El Cerrito. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
El Cerrito, CA Savings / Yr. |
|---|---|
$695 |
|
$1,273 |
|
$1,007 |
|
$1,768 |
|
$908 |
|
$394 |
|
$0 |
El Cerrito Car Insurance vs. California
People living in El Cerrito pay an average of 8.23% more than the typical driver in the state. The average driver in El Cerrito can expect to pay about $1,017 per year, or $2,173 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in El Cerrito for most people.
Car Insurance Prices by El Cerrito Neighborhood
Insurance Prices
Where is insurance cheapest within El Cerrito?
The map shows insurance prices in and around El Cerrito, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $472 per year within the city boundaries, with insurance premiums ranging from a high of $2,423 to a low of $1,951. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of El Cerrito.Pick the Best Car Insurance Company for You in El Cerrito
The best car insurance provider for most drivers in El Cerrito
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $695 over the average El Cerrito car insurance company.
The best car insurance provider for El Cerrito 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 $1,273 over the competition.
The best car insurance company for El Cerrito drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,007 better than other car insurance companies.
The best auto insurance for El Cerrito drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,768 less each year.
The least expensive car insurance company for new and young drivers in El Cerrito
In El Cerrito, State Farm costs young drivers $908 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in El Cerrito
Progressive gave the largest car insurance discounts to married couples, averaging $394 saved each year compared to an average El Cerrito couple's premiums.
The cheapest car insurance in El Cerrito for drivers with bad credit
The best El Cerrito car insurance company for customer service
Nationwide was the best company for customer service in El Cerrito according to the NAIC.
Recent price drops
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The cheapest large national provider in El Cerrito
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average El Cerrito 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 El Cerrito, 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 El Cerrito
What Influences the Cost of Car Insurance in El Cerrito?
On average, car insurance in El Cerrito 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 El Cerrito is 43 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 El Cerrito are higher than average 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.
- El Cerrito 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 El Cerrito is $85 per month for minimum coverage and $181 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 2.58% less
- Richmond: Insurance costs 6.72% more
- El Sobrante: Insurance costs 0.09% more
- Berkeley: Insurance costs 1.47% less
- San Pablo: Insurance costs 5.66% more
- North Richmond: Insurance costs 5.11% more
- Orinda Village: Insurance costs 8.84% less
- Pinole: Insurance costs the same
- Emeryville: Insurance costs 8.24% more
- Hercules: Insurance costs 0.18% less
Cities with Similar Populations
- West Islip: Insurance costs 22.73% more
- Bloomsburg: Insurance costs 39.58% less
- Blythewood: Insurance costs 19.24% less
- Brawley: Insurance costs 7.04% less
- Brenham: Insurance costs 25.03% less
- Bridgewater: Insurance costs 23.24% less
- Edgewater: Insurance costs 12.15% more
- Wakefield: Insurance costs 24.07% less
- Watertown: Insurance costs 49.47% less
- Wayne: Insurance costs 34.74% less