Buy Cheap Alameda, CA Auto Insurance (2021)

Alameda, CA auto insurance rates average $316 a month. Minimum auto insurance requirements in Alameda, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Alameda, CA, compare Alameda auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Alameda, CA for teens drivers are $6,398/year
  • Average auto insurance rates in Alameda, CA are $316/month
  • The most expensive auto insurance company in Alameda is Allstate

Finding affordable Alameda, California auto insurance can be challenging, but everything you need to know to buy cheap Alameda, CA auto insurance with confidence is right here. Auto insurance rates in Alameda are affected by local factors as well as personal ones like your driving record.

See how Alameda, CA car insurance rates compare to Long Beach auto insurance rates, Sacramento auto insurance rates, and Los Angeles auto insurance rates before you read more about the cost of auto insurance in Alameda.

Don’t buy Alameda, CA auto insurance until you’ve compared rates. Get free Alameda, California auto insurance quotes when you enter your ZIP code above.

Alameda, CA Minimum Auto Insurance Requirements

The required auto insurance in Alameda, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Alameda, California is outlined here.

Minimum Required Auto Insurance Coverage in Alameda, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Buy Cheap Alameda, CA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Alameda, California auto insurance rates? Find out how car insurance rates in Alameda, CA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Alameda, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,455 $3,471 $2,496 $2,541 $9,575 $12,088 $4,499 $5,009
Farmers $2,877 $2,877 $2,596 $2,596 $9,239 $15,188 $3,416 $3,810
GEICO $1,654 $1,655 $1,556 $1,556 $5,040 $5,125 $2,376 $2,428
Liberty Mutual $2,383 $2,263 $2,211 $2,145 $5,268 $5,574 $2,698 $2,709
Nationwide $3,278 $3,129 $2,866 $2,701 $8,353 $9,217 $3,916 $3,870
Progressive $1,533 $1,576 $1,309 $1,548 $4,072 $4,893 $2,203 $2,364
State Farm $3,288 $3,288 $2,938 $2,938 $6,046 $7,495 $3,640 $3,754
Travelers $2,689 $2,604 $2,373 $2,346 $5,577 $6,420 $3,515 $3,441
USAA $1,927 $1,827 $1,877 $1,886 $4,411 $4,438 $2,668 $2,523

Buy Cheap Alameda, CA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Alameda can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Alameda, CA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Alameda, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,575 $12,088
Farmers $9,239 $15,188
GEICO $5,040 $5,125
Liberty Mutual $5,268 $5,574
Nationwide $8,353 $9,217
Progressive $4,072 $4,893
State Farm $6,046 $7,495
Travelers $5,577 $6,420
USAA $4,411 $4,438

Buy Cheap Alameda, CA Auto Insurance for Seniors

You can save on senior auto insurance rates in Alameda, California by comparing Alameda senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Alameda, CA here.

Annual Auto Insurance Rates for Senior Drivers in Alameda, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,496 $2,541
Farmers $2,596 $2,596
GEICO $1,556 $1,556
Liberty Mutual $2,211 $2,145
Nationwide $2,866 $2,701
Progressive $1,309 $1,548
State Farm $2,938 $2,938
Travelers $2,373 $2,346
USAA $1,877 $1,886

Find Cheap Auto Insurance Rates in Alameda, CA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Alameda, California auto insurance. Compare Alameda, CA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Alameda, California

Insurance Company Low Medium High
Allstate $5,147 $5,432 $5,596
Farmers $4,979 $5,365 $5,630
GEICO $2,449 $2,704 $2,868
Liberty Mutual $2,964 $3,182 $3,322
Nationwide $4,205 $4,748 $5,046
Progressive $2,174 $2,515 $2,622
State Farm $3,779 $4,241 $4,500
Travelers $3,191 $3,716 $3,956
USAA $2,444 $2,747 $2,893

Find Cheap Alameda, CA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Alameda. Compare auto insurance rates in Alameda, CA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Alameda, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,865 $5,918
Farmers $4,831 $5,818
GEICO $2,429 $2,919
Liberty Mutual $2,898 $3,414
Nationwide $4,119 $5,213
Progressive $2,211 $2,663
State Farm $4,022 $4,325
Travelers $3,251 $3,990
USAA $2,483 $2,906

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Find Cheap Alameda, CA Auto Insurance Rates by ZIP Code

Auto insurance rates in Alameda, California can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Alameda, CA to see how much where you live in Alameda affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Alameda, California

ZIP Code Average Annual Rates
94501 $5,217
94502 $5,187

Find Cheap Alameda, CA Auto Insurance Rates by Driving Record

Auto insurance rates in Alameda, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Alameda, CA, take a look at the average cost for various violations versus rates for a clean driving record in Alameda.

Annual Alameda, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,220 $5,499 $8,600 $4,248
Farmers $3,933 $5,359 $6,681 $5,325
GEICO $1,870 $2,886 $3,619 $2,319
Liberty Mutual $2,740 $3,672 $3,310 $2,903
Nationwide $3,256 $4,173 $7,062 $4,173
Progressive $1,599 $2,713 $3,135 $2,302
State Farm $2,977 $3,552 $6,710 $3,456
Travelers $2,410 $3,929 $4,591 $3,553
USAA $1,790 $2,666 $4,361 $1,961

Find Cheap Alameda, CA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Alameda, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Alameda for less when you shop around and compare rates from multiple Alameda, CA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Alameda, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,600
Farmers $6,681
GEICO $3,619
Liberty Mutual $3,310
Nationwide $7,062
Progressive $3,135
State Farm $6,710
Travelers $4,591
USAA $4,361

Winners by Category: Where to Buy Cheap Auto Insurance in Alameda, CA

Compare rates from the cheapest auto insurance companies in Alameda, CA for your needs. Take a look at how Alameda, California auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Alameda, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Find Cheap Alameda, California Auto Insurance Companies

If you’re looking for the cheapest Alameda, CA auto insurance companies overall, you can compare them here. Find the best price for Alameda, California car insurance by company.

Average Annual Auto Insurance Rates by Company in Alameda, California

Insurance Company Average Annual Rates
Allstate $5,392
Farmers $5,325
GEICO $2,674
Liberty Mutual $3,156
Nationwide $4,666
Progressive $2,437
State Farm $4,174
Travelers $3,621
USAA $2,695

What affects Alameda, California auto insurance rates?

Local factors affect auto insurance rates in Alameda, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Alameda auto insurance rates.

Auto Theft in Alameda

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Alameda, CA auto theft show a total of 351 vehicle thefts annually.

Commute Times in Alameda

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Alameda, CA is 34.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Alameda, CA

You can buy cheap Alameda, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Alameda, California auto insurance quotes from top companies.

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