Best & Cheapest Car Insurance In Berkeley, CA For 2024
GEICO delivers the best deal for minimum coverage in Berkeley, with rates averaging $37 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the cheapest car insurance in Berkeley, CA, means navigating through options that differ widely.
When it comes to liability-only coverage, GEICO offers the lowest rates. Drivers needing full coverage will find the best prices with Progressive, and young drivers benefit most from State Farm’s pricing.
Cheapest and best car insurance in Berkeley, CA 2024
Cheapest Liability-only Car Insurance In Berkeley: Cincinnati
For minimum coverage in Berkeley, GEICO stands out as the most cost-effective option, offering insurance for just $37 per month on average.
Below, you can find a table to compare rates offered by various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Berkeley: Auto-Owners
With an average monthly rate of $92, Progressive provides the lowest full coverage car insurance rates in Berkeley.
Below, you’ll find a table comparing the average quotes for car insurance from affordable insurers in Berkeley.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
Seniors in Berkeley can save with State Farm, which has the cheapest car insurance rates at $87 per month on average.
The table below compares the average quotes for car insurance from the most affordable providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Berkeley For Teenagers: Nationwide
Teen drivers in Berkeley can save with State Farm, which offers the lowest monthly premiums at $313 on average.
The table below shows a comparison of the companies with the most budget-friendly insurance for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Berkeley: Travelers
Young adults in Berkeley can save with State Farm, which offers the most budget-friendly car insurance at $238 per month on average.
You can use the table below to see how the cheapest auto insurance rates for young adults in Berkeley compare.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Berkeley For Good Drivers: Cincinnati
In Berkeley, good drivers can save on car insurance with GEICO, where rates average $37 a month.
Good drivers can use the table below to see average quotes from affordable insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Berkeley rates
Cheapest Car Insurance In Berkeley After A Speeding Ticket: Auto-Owners
For Berkeley drivers with a speeding ticket, State Farm provides the best value, offering average monthly premiums of $176.
You can refer to the table below to see the average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
Drivers who have an at-fault incident on their record can find the lowest rates with State Farm, averaging $193 a month.
The list below shows the car insurance companies with the lowest rates for drivers who have been at fault in an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Berkeley For Drivers After A DUI: State Farm
After a DUI, Berkeley drivers can find the most affordable insurance with State Farm, averaging $188 per month.
Use the table below to see the cheapest insurance rates for drivers in Berkeley with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Berkeley
In Berkeley, AAA is the cheapest insurance provider at $83 per month. You might also want to check out Progressive at $90 per month and GEICO at $93 per month.
The table below lists the top 10 car insurance providers in Berkeley, CA, ranked by their average monthly premiums.
| Company | Monthly Premium |
| AAA | $30 |
| Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Berkeley – By Age
Age significantly affects car insurance costs, with younger drivers facing higher premiums because of their inexperience and greater chance of accidents. Teenagers can expect to pay roughly $7,599 per year for their coverage.
Car insurance rates often start to drop when drivers turn 25, given they maintain a clean driving record.
Car insurance rates are often most competitive for drivers in their 50s and early 60s, as insurers see them as having more experience and less risk.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
Average Rates In Berkeley – By Vehicle
The vehicle you own plays an important role in the cost of your car insurance. Insurers evaluate factors like the make, model, year, and body style, with newer vehicles and luxury models often carrying higher premiums due to higher repair or replacement costs.
You can refer to the table below for average insurance rates in Berkeley based on the type of vehicle.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $970 |
| Audi A3 | $129 |
| Toyota Prius | $192 |
| Chevrolet Equinox | $360 |
| Kia Optima | $460 |
Average Cost Of Auto Insurance In Berkeley – By Zip Code
Your car insurance rates may vary based on your zip code, as insurers use it to determine local crime levels, including theft and vandalism.
You can refer to the table below to find the average car insurance premiums for various zip codes in Berkeley.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in California ?
Insurance companies use your city as a key factor in determining rates. Urban areas often see higher premiums due to increased risks of accidents, theft, and vandalism.
For example, drivers in Los Angeles often pay an average of $243 per month for car insurance, while those in San Diego typically pay $176 per month.
| City | Average Monthly Rate |
| Bowling Green | $135 |
| Newport | $133 |
| Owensboro | $142 |
| Danville | $158 |
| Versailles | $98 |
| Somerset | $125 |
| Covington | $127 |
| Ashland | $115 |
| Richmond | $130 |
| Frankfort | $128 |
Find affordable Berkeley rates
Our methodology
After examining customer service ratings, pricing, product variety, and online reviews, I’ve created a detailed report on the car insurance options available in Berkeley, CA.
Quotes Analyzed
Years Of Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Berkeley?
Berkeley drivers can find the lowest rates for state-required minimum insurance through GEICO, while Progressive offers the most affordable full coverage, covering both collision and comprehensive needs.
What is the average cost of car insurance in Berkeley?
Drivers in Berkeley typically spend around $180 per month on car insurance, but actual rates are affected by your zip code, car details, and driving history.
