Buy Cheap Berkeley, CA Auto Insurance (2021)

Berkeley, CA auto insurance rates average $322 a month. Minimum auto insurance requirements in Berkeley, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Berkeley, CA, compare Berkeley auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

    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 ...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A Concise Overview

  • The most expensive auto insurance company in Berkeley is Farmers
  • Average auto insurance rates in Berkeley, CA are $322/month
  • The most expensive auto insurance company in Berkeley after a DUI is Allstate

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

See how Berkeley, CA car insurance rates compare to Long Beach auto insurance rates, San Jose auto insurance rates, and Anaheim auto insurance rates before you read more about the cost of auto insurance in Berkeley.

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

Berkeley, CA Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Berkeley, 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

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Berkeley, 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 $2,997 $3,003 $2,188 $2,208 $8,351 $10,524 $3,841 $4,229
Farmers $3,100 $3,100 $2,792 $2,792 $9,944 $16,369 $3,679 $4,101
GEICO $1,688 $1,690 $1,589 $1,589 $5,133 $5,222 $2,424 $2,480
Liberty Mutual $2,526 $2,396 $2,348 $2,277 $5,593 $5,929 $2,857 $2,871
Nationwide $3,271 $3,123 $2,856 $2,692 $8,353 $9,208 $3,920 $3,875
Progressive $1,789 $1,840 $1,526 $1,808 $4,793 $5,764 $2,579 $2,771
State Farm $3,565 $3,565 $3,184 $3,184 $6,563 $8,137 $3,948 $4,071
Travelers $2,659 $2,571 $2,345 $2,321 $5,557 $6,316 $3,456 $3,386
USAA $1,882 $1,784 $1,834 $1,844 $4,282 $4,327 $2,618 $2,476

Buy Cheap Berkeley, CA Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Berkeley, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,351 $10,524
Farmers $9,944 $16,369
GEICO $5,133 $5,222
Liberty Mutual $5,593 $5,929
Nationwide $8,353 $9,208
Progressive $4,793 $5,764
State Farm $6,563 $8,137
Travelers $5,557 $6,316
USAA $4,282 $4,327

Buy Cheap Berkeley, CA Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Berkeley, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,188 $2,208
Farmers $2,792 $2,792
GEICO $1,589 $1,589
Liberty Mutual $2,348 $2,277
Nationwide $2,856 $2,692
Progressive $1,526 $1,808
State Farm $3,184 $3,184
Travelers $2,345 $2,321
USAA $1,834 $1,844

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

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

Annual Auto Insurance Rates by Coverage Level in Berkeley, California

Insurance Company Low Medium High
Allstate $4,427 $4,708 $4,868
Farmers $5,370 $5,776 $6,058
GEICO $2,491 $2,758 $2,933
Liberty Mutual $3,138 $3,379 $3,532
Nationwide $4,212 $4,747 $5,029
Progressive $2,548 $2,950 $3,077
State Farm $4,095 $4,604 $4,882
Travelers $3,095 $3,680 $3,954
USAA $2,412 $2,677 $2,803

Find Cheap Berkeley, CA Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Berkeley, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,208 $5,128
Farmers $5,203 $6,265
GEICO $2,477 $2,977
Liberty Mutual $3,076 $3,623
Nationwide $4,117 $5,207
Progressive $2,592 $3,126
State Farm $4,363 $4,691
Travelers $3,215 $3,938
USAA $2,427 $2,835

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Berkeley, CA Auto Insurance Rates by ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Berkeley, California

ZIP Code Average Annual Rates
94702 $5,504
94703 $5,399
94704 $5,346
94705 $5,227
94707 $4,947
94708 $4,947
94709 $5,130
94710 $5,567
94720 $5,524

Find Cheap Berkeley, CA Auto Insurance Rates by Driving Record

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

Annual Berkeley, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,812 $4,732 $7,434 $3,693
Farmers $4,234 $5,771 $7,198 $5,735
GEICO $1,908 $2,940 $3,693 $2,367
Liberty Mutual $2,908 $3,897 $3,513 $3,081
Nationwide $3,254 $4,170 $7,056 $4,170
Progressive $1,871 $3,184 $3,683 $2,697
State Farm $3,230 $3,853 $7,276 $3,749
Travelers $2,376 $3,893 $4,521 $3,516
USAA $1,748 $2,605 $4,255 $1,915

Find Cheap Berkeley, CA Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Berkeley, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,434
Farmers $7,198
GEICO $3,693
Liberty Mutual $3,513
Nationwide $7,056
Progressive $3,683
State Farm $7,276
Travelers $4,521
USAA $4,255

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

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

Best Annual Auto Insurance Rates by Company in Berkeley, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Berkeley, California Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Berkeley, California

Insurance Company Average Annual Rates
Allstate $4,668
Farmers $5,734
GEICO $2,727
Liberty Mutual $3,350
Nationwide $4,662
Progressive $2,859
State Farm $4,527
Travelers $3,576
USAA $2,631

What affects Berkeley, California auto insurance rates?

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

Auto Theft in Berkeley

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Berkeley, CA auto theft show a total of 548 vehicle thefts annually.

Commute Times in Berkeley

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Berkeley, CA is 30.9 minutes according to City-Data.

Compare Auto Insurance Quotes in Berkeley, CA

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption