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Get Cheap Car Insurance in Melrose, Oakland, CA
We monitor insurance prices, helping the average driver in Melrose save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Melrose
The chart below shows the cheapest car insurance company in Melrose 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.
| Melrose Insurer | Monthly Cost |
|---|---|
| Metromile | $59 |
| Geico | $67 |
| Progressive | $71 |
| Travelers | $74 |
Savings for Every Kind of Melrose Driver
Based on our extensive insurance data, we know the average Melrose 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 $753 per year by choosing the right vehicle insurance company. Some Melrose residents are paying out over $2,355 extra every year for auto insurance in Melrose. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Melrose, Oakland, CA Savings / Yr. |
|---|---|
$753 |
|
$1,379 |
|
$1,091 |
|
$1,916 |
|
$984 |
|
$427 |
|
$0 |
Melrose Car Insurance vs. Oakland
People living in Melrose pay an average of 17.27% more than the typical driver in the state. The average driver in Melrose can expect to pay about $1,102 per year, or $2,355 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Melrose for most people.
Car Insurance Prices by Melrose Neighborhood
Insurance Prices
Where is insurance cheapest within Melrose?
The map shows insurance prices in and around Melrose, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $245 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,463 to a low of $2,218. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the North parts of Melrose.Pick the Best Car Insurance Company for You in Melrose
The best car insurance provider for most drivers in Melrose
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $753 over the average Melrose car insurance company.
The best car insurance provider for Melrose 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 $1,379 over the competition.
The best car insurance company for Melrose drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,091 better than other car insurance companies.
The best auto insurance for Melrose drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,916 less each year.
The least expensive car insurance company for new and young drivers in Melrose
In Melrose, State Farm costs young drivers $984 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Melrose
Progressive gave the largest car insurance discounts to married couples, averaging $427 saved each year compared to an average Melrose couple's premiums.
The cheapest car insurance in Melrose for drivers with bad credit
The best Melrose car insurance company for customer service
Recent price drops
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The cheapest large national provider in Melrose
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Melrose 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 Melrose, 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 Melrose
What Influences the Cost of Car Insurance in Melrose?
On average, car insurance in Melrose 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 Melrose is 39 minutes, which is a little 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 Melrose are among the lowest 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.
- Melrose has an average population density 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 Melrose is $92 per month for minimum coverage and $196 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
- Seminary: Insurance costs 0.85% more
- Coliseum: Insurance costs 4.63% more
- Fruitvale Station: Insurance costs 4.03% more
- Allendale: Insurance costs 1.66% more
- Laurel: Insurance costs 3.48% less
- Fitchburg: Insurance costs 6.37% more
- Upper Laurel: Insurance costs 2.76% less
- Arroyo Viejo: Insurance costs 4.50% more
- Jingletown: Insurance costs 0.55% less
- Fernside: Insurance costs 10.70% less
Neighborhoods with Similar Populations
- Auburn Gresham: Insurance costs 11.93% less
- Huntridge: Insurance costs 15.92% more
- Potrero: Insurance costs 7.35% less
- Orangecrest: Insurance costs 7.64% less
- North Sutton Area: Insurance costs 22.72% more
- North Creek: Insurance costs 32.02% less
- Merrlam Park: Insurance costs 24.54% less
- Lakeview: Insurance costs 6.45% less
- Lakeshore: Insurance costs 3.23% less
- Kenwood: Insurance costs 16.52% less