Cheap Auto Insurance in Berkeley, California (2025)
USAA offers the cheapest car insurance in Berkeley, with minimum-coverage policies as low as $92 per month.
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Written byAnna Baluch
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Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Table of contents
Berkeley residents enjoy great views of the Golden Gate Bridge, Alcatraz, and San Francisco skylines. But they don’t enjoy lower-than-average car insurance rates. While the city’s rates are on par with the California state averages, they’re significantly higher than national average costs for car insurance.
In Berkeley, full coverage averages $247 per month, and liability-only coverage averages $106. Nationally, the average monthly cost of car insurance is just $184 for full coverage and $104 for liability only.
The city’s comparatively low accident and fatality rates probably partially account for Berkeley’s average car insurance rates. In 2023, the city of nearly 119,000 residents had just 605 traffic accidents and no fatalities.[1]
Berkeley drivers may be able to find better-than-average car insurance rates by comparing quotes from multiple insurers. Here’s what to know about finding affordable coverage in Berkeley.
Quick Facts
USAA, National General, and Sun Coast are the cheapest insurers in Berkeley.
Speeding was a factor in about 29% of accidents that occurred in Berkeley in 2023.[1]
If you meet certain requirements, you may be eligible for affordable car insurance through the California's low-cost car insurance plan.
Best car insurance companies in Berkeley
To find the best car insurance in Berkeley, consider your budget, driving record, and car insurance coverage needs. It’s helpful to compare multiple companies at once to see which one offers the most discounts, the coverage options you need, and the best customer service. Mile Auto, Sun Coast, and Clearcover are some of the best insurers offering coverage in Berkeley, and all three offer below-average car insurance rates.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Mile Auto | 8.8 | $108 | $63 | Usage-based insurance |
| Safeco | 8.1 | $163 | N/A | Safe drivers |
| Mercury | 7.5 | $202 | $113 | Rideshare drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for usage-based insurance: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.1
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (48)
Lesheka
Verified Purchase
Surprise Prices
Reviewed in on August 2025
I don’t like high bills, and they told me one price, then it was higher than before. It went from $167 to $470, which is higher than Progressive. I should go back to them, plus I have put a down payment. So I’m not pleased.
Bryan
Verified Review
Happy Customer
Reviewed in Tennessee on August 2025
I would like them to mail me annual wallet-sized insurance cards to show my coverage.
Walt
Verified Review
Typically, we don't use insurance and do not drive much. The fees we pay are absolutely reasonable.
Reviewed in Arizona on July 2025
Low rate plus monthly mileage fee. No other insurer gets even close to my monthly fee.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Mile Auto is a newer car insurance company that specializes in pay-per-mile auto insurance. It charges drivers a monthly base rate, plus a per-mile fee based on odometer readings. It’s a particularly good option for anyone who is retired, works remotely, frequently uses public transportation, or simply doesn’t drive very often.
Pros
Doesn’t require an in-vehicle telematics device
Approves repairs from any shop
Cons
No advertised discounts
No mobile app available
Best insurer for safe drivers: Safeco
| User Reviews | 4.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $145/mo |
4.4
Best choiceBased on 884 verified guest reviews and ratings
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
How drivers feel about Safeco
Drivers appreciate the smooth claims process and periodic safe driving checks but dislike the frequent and significant rate increases without clear explanation.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cash back for being claims free
Optional coverages
Diminishing deductible
Reviews (496)
Sandra
Verified Review
Never again
Reviewed in Washington on August 2025
It was fine until last month when it was time for our auto renewal. They raised our rates by $4200! Absolutely nothing had changed on our side. I can understand a small change, but $4200 for people that had been with them for about 40 years? We still have our home with them because it renewed in February. I still can't believe it—$4200! My husband is 82 and I'm 76. No tickets or DUIs ever.
Bill
Verified Review
Insurance rates are out of control
Reviewed in Colorado on August 2025
I have had overall good experiences with SafeCo. Unfortunately, rates are significantly increasing for the same coverage.
Margaret
Verified Review
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
Reviewed in Indiana on July 2025
I am having trouble paying my bill. I let them know, but all they could talk to me about was the late payment. I know I am going to be late, and I reached out to let them know. If I had the money, I wouldn't have made the call. I don't need to hear about late payments. Instead, can't they work with me? I am waiting to get paid. I also have rental insurance. My landlord, when I moved in here, needed a copy. They told me they would send it, but they never did.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
613NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.72A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Although not the lowest, Safeco's rates for Berkeley drivers are competitive. The insurer offers multiple ways for good drivers to reduce their rates further through discounts and its RightTrack telematics program. Policyholders who achieve a certain number of years without an at-fault accident or moving violation can qualify for accident forgiveness, and if you go six months without a claim Safeco will refund 2.5% of your policy premium automatically.
Pros
Multiple rewards for staying claims-free
Optional new vehicle replacement coverage available
Cons
Higher-than-expected number of complaints with the National Association of Insurance Commissioners
Only 1.6 star rating (out of 5) on Trustpilot
Best insurer for rideshare drivers: Mercury
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $125/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $230/mo |
3.7
A solid optionBased on 554 verified guest reviews and ratings
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (292)
Lawrence
Verified Review
Beware Homeowners
Reviewed in Georgia on June 2025
Sad company charging a 5% deductible for wind and hail damage, especially if the home is older than 5 years.
Scherrie
Verified Review
Rates
Reviewed in California on May 2025
Increased rates every half year.
Diana
Verified Review
Outrageous Premium Escalation
Reviewed in Florida on May 2025
To get my business, they promised a rate of $104 per month. Oops! Somebody made a calculation error; it was actually $127 per month. This amount has escalated every three months for the last 29 months. The June 2025 renewal rate is $256 per month. All this even though I have retired and for the last 18 months drive less than 25 miles per week. Add this to the fact that I have no tickets, no DUI, and filed no claims with any insurance company in more than 10 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
596NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Transportation network companies (TNCs) typically provide coverage when you're on your way to pick up a passenger and when you're on a trip with a passenger. But when you're waiting for a ride assignment, TNC coverage is limited. Based in California, Mercury offers rideshare insurance that protects you when you're driving for personal use and when you're waiting for a fare assignment. You'll need to have a personal policy with Mercury to be eligible for rideshare coverage through the company, and you can cover more than one vehicle under your rideshare insurance.
Pros
Respectable number of discounts, including for auto-pay, being a good student, and having multiple cars on one policy
Rental car cost and rideshare coverages available
Cons
Limited number of discounts
May not be the cheapest option for Berkeley drivers
How to get the cheapest car insurance in Berkeley
Finding the best price on car insurance involves a little effort on your part when shopping with different companies. To lock in a good deal on a car insurance policy in Berkeley, keep these tips in mind:
Shop around. Get quotes from at least three different car insurance companies at the same level of coverage to find the most affordable option. Be sure to compare prices, coverage options, and company reputations.
Look for discounts. “Keep your eye out for discounts that may apply to you, such as the auto pay discount, pay in full discount, and safe driving discount,” says McKenzie.
Bundle insurance. If you pair your auto insurance with homeowners insurance, renters insurance, or even life insurance, you can usually get a discount on your monthly premiums.
Drive safely. A driving history with speeding tickets, DUIs, and other incidents can easily increase your car insurance premiums. Make every effort to avoid them.
Take a defensive driving course. Some car insurers offer discounts to drivers who complete an approved defensive driving course. You may take it online in many cases and see some savings.
Cheapest liability-only car insurance in Berkeley: USAA
Liability car insurance is required per California law. This type of coverage pays for the other driver’s property damage and injuries after you cause a car accident. Because liability-only policies meet the state-minimum requirements and have no additional coverage, drivers can typically find the lowest prices with this type of insurance.
The table below shows the cheapest quotes for liability-only auto policies, on average, in Berkeley.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $92 |
| National General | $103 |
| Sun Coast | $112 |
| Root | $114 |
| Dairyland | $118 |
| Anchor | $120 |
| Mercury | $125 |
| Allstate | $127 |
| Direct Auto | $130 |
| Farmers | $131 |
| State Farm | $141 |
| Bristol West | $148 |
| Travelers | $149 |
| GEICO | $150 |
| 21st Century | $162 |
| Nationwide | $199 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Berkeley: Anchor
Full-coverage car insurance is optional in Berkeley and generally includes liability, collision, and comprehensive coverages. It provides extra protection for vehicle damages, including for accidents you cause. Your lender might require a full-coverage policy if you have a loan or lease on your vehicle.
Here’s a look at the cheapest full-coverage car insurance rates in Berkeley.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Anchor | $201 |
| Root | $216 |
| USAA | $222 |
| Mercury | $230 |
| GEICO | $233 |
| Sun Coast | $281 |
| National General | $300 |
| Allstate | $306 |
| Farmers | $315 |
| State Farm | $341 |
| Bristol West | $355 |
| Direct Auto | $357 |
| Travelers | $357 |
| 21st Century | $390 |
| Dairyland | $404 |
| Nationwide | $481 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Berkeley, California
Drivers using Insurify have found quotes as cheap as $54/mo for liability only and $95/mo for full coverage in Berkeley and other California cities.
*Quotes generated for Insurify users in and around Berkeley, California within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Berkeley, California within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
California is an at-fault — or tort — state. This means the at-fault driver must pay for the property damage and injury costs they cause to drivers or passengers in another vehicle.
“Liability insurance is required to operate a vehicle on the roadway in California,” says Lauren McKenzie, senior insurance agent at A Plus Insurance. Drivers who fail to show proof of insurance may face legal and financial consequences.
State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[2]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
Coverage beyond minimum liability is optional for drivers in Berkeley but might be worthwhile for additional protection. Here are some optional coverages you can add to your auto policy:
Comprehensive
This protects you from non-accident events that damage your vehicle, like severe weather, falling objects, theft, and vandalism.
Collision
If your car requires repairs or a replacement after an accident with another vehicle or object, collision coverage will apply, no matter who’s responsible.
Uninsured motorist
Uninsured motorist coverage kicks in when a driver without insurance causes an accident.
Medical payments
Medical payments insurance is similar to personal injury protection (PIP) coverage and can pay for post-accident medical expenses, regardless of fault.
California’s low-cost auto insurance plan
California’s Low Cost Automobile Insurance program (CLCA) helps qualifying drivers purchase low-cost car insurance. The eligibility requirements for the program are:
Have a valid California driver’s license
Meet income eligibility requirements
Own a vehicle valued at $25,000 or less
Be at least 16 years old
Have a good driving record or be a new driver
Depending on the county, minimum-liability car insurance through the CLCA costs $232 to $932 a year. While you can’t purchase full-coverage insurance through the CLCA, it does offer additional coverage options, like uninsured/underinsured motorist and medical payments insurance for an extra $37 to $107 a year. You can learn more and apply for the California car insurance program at MyLowCostAuto.com.
Find Car Insurance in Berkeley
Rates start at $92/mo. for minimum coverage in Berkeley
Secure. Free. Easy-to-use.
Based on 7,669+ reviews
4.8/5
Cheapest car insurance for drivers with an incident
A few examples of incidents that can increase your car insurance rates include at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions. Berkeley drivers with clean records usually land the cheapest premiums because auto insurance companies see them as having a lower risk of loss.
On the other hand, insurance companies tend to charge the highest rates to high-risk drivers to offset the potential loss in claims. To save as much money as possible on a policy, do your best to drive safely at all times and prevent these incidents. Here are the average car insurance quotes in Berkeley based on driving history.
Cheapest car insurance for drivers with a speeding ticket: USAA
In 2023, Berkeley police cited 175 drivers for unsafe speed.[1] Speeding increases your risk of being involved in an accident. As a result, Berkeley drivers with speeding tickets tend to pay more for auto insurance coverage.
The average monthly cost of car insurance for Berkeley drivers with speeding tickets is $301 for full coverage and $129 for minimum coverage. The following table illustrates how top insurers for Berkeley charge drivers with speeding infractions more for liability-only insurance policies.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Record | With Ticket |
|---|---|---|
| USAA | $92 | $113 |
| National General | $103 | $127 |
| Sun Coast | $112 | $136 |
| Root | $114 | $146 |
| Dairyland | $118 | $145 |
| Anchor | $120 | $148 |
| Mercury | $125 | $166 |
| Allstate | $127 | $156 |
| Direct Auto | $130 | $161 |
| Farmers | $131 | $162 |
| State Farm | $141 | $172 |
| Bristol West | $148 | $184 |
| Travelers | $149 | $185 |
| GEICO | $150 | $189 |
| 21st Century | $162 | $204 |
| Nationwide | $199 | $247 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
In 2020, Berkeley reported 357 injuries and fatalities from car accidents, which is a bit lower than other California cities with similar populations.[3] However, if you cause a car accident, insurers will view you as a greater risk on the road. As a result, your car insurance premiums will likely go up.[4]
Berkeley drivers with at-fault accidents face average car insurance rates of $286 per month for full-coverage policies and $123 for liability only. The table below shows the most affordable minimum-coverage quotes for Berkeley drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Record | With Accident |
|---|---|---|
| USAA | $92 | $112 |
| National General | $103 | $126 |
| Sun Coast | $112 | $130 |
| Root | $114 | $136 |
| Dairyland | $118 | $145 |
| Anchor | $120 | $149 |
| Mercury | $125 | $170 |
| Allstate | $127 | $154 |
| Direct Auto | $130 | $165 |
| Farmers | $131 | $160 |
| State Farm | $141 | $171 |
| Bristol West | $148 | $182 |
| Travelers | $149 | $183 |
| GEICO | $150 | $173 |
| 21st Century | $162 | $201 |
| Nationwide | $199 | $245 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
A DUI conviction in California usually leads to fines, jail time, and a license suspension. To reinstate your license after a DUI, you may need to file an SR-22 insurance form with the state and keep it on file for three to five years. During this time, your premiums will likely increase or you may struggle to find auto insurance coverage.
DUIs push Berkeley car insurance averages to $398 per month for full coverage and $171 for liability-only policies. The following table shows how a DUI charge increases liability quotes from top insurers in Berkeley.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Record | With DUI |
|---|---|---|
| USAA | $92 | $142 |
| National General | $103 | $159 |
| Sun Coast | $112 | $180 |
| Root | $114 | $176 |
| Dairyland | $118 | $182 |
| Anchor | $120 | $181 |
| Mercury | $125 | $194 |
| Allstate | $127 | $196 |
| Direct Auto | $130 | $200 |
| Farmers | $131 | $202 |
| State Farm | $141 | $217 |
| Bristol West | $148 | $228 |
| Travelers | $149 | $230 |
| GEICO | $150 | $231 |
| 21st Century | $162 | $250 |
| Nationwide | $199 | $307 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Senior drivers can experience age-related physical and cognitive changes that make it more difficult for them to drive safely.[5] That’s why average premiums tend to go down around age 35 and increase again around age 70. Despite these trends, senior drivers in Berkeley typically have the cheapest premiums out of any other age group.
The average cost of car insurance for senior drivers in Berkeley is $94 per month for minimum coverage and $220 for full coverage. Here are the cheapest car insurance companies for senior drivers in Berkeley.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $77 | $186 |
| National General | $83 | $241 |
| Dairyland | $99 | $340 |
| Root | $99 | $188 |
| Sun Coast | $100 | $250 |
| Anchor | $101 | $169 |
| Farmers | $107 | $256 |
| Direct Auto | $107 | $294 |
| Mercury | $107 | $196 |
| Allstate | $107 | $257 |
| State Farm | $114 | $276 |
| Travelers | $122 | $292 |
| GEICO | $123 | $191 |
| Bristol West | $125 | $299 |
| 21st Century | $130 | $312 |
| Nationwide | $156 | $378 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
“Teens who are newly licensed have far less driving experience than older, seasoned drivers, which increases their chances of getting into a car accident,” says McKenzie. “Therefore, insurance premiums will be higher for them and eventually decrease once the driver is age 25.” To save on auto policies, teens can stay on their parents’ insurance or take advantage of a good student discount.
Berkeley teens face average monthly car insurance rates of $475 for full coverage and $204 for liability only. The table below shows the average monthly car insurance quotes for teen drivers in Berkeley.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $173 | $417 |
| Dairyland | $202 | $691 |
| Root | $203 | $385 |
| National General | $215 | $626 |
| Anchor | $216 | $362 |
| Sun Coast | $216 | $541 |
| Mercury | $239 | $440 |
| Allstate | $255 | $614 |
| Farmers | $257 | $618 |
| Direct Auto | $262 | $719 |
| Bristol West | $271 | $651 |
| GEICO | $274 | $425 |
| State Farm | $275 | $665 |
| 21st Century | $303 | $729 |
| Travelers | $305 | $730 |
| Nationwide | $394 | $953 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Berkeley?
Car insurance rates for Berkeley drivers are higher than the national average but in line with California’s averages. Premiums can even vary by ZIP code and city within California as a result of differences in population, crime rates, weather conditions, and other factors.[6] For example, average monthly quotes are higher in Berkeley than in almost every California city except for San Francisco and Los Angeles.
More cities in California
Here’s a look at the average quotes for car insurance in other cities in California.
City | Full Coverage | Liability Only |
|---|---|---|
| Anaheim | $224 | $105 |
| Bakersfield | $202 | $83 |
| Fresno | $189 | $86 |
| Long Beach | $251 | $116 |
| Los Angeles | $335 | $161 |
| Modesto | $211 | $95 |
| Oakland | $258 | $104 |
| Riverside | $208 | $97 |
| Sacramento | $231 | $106 |
| San Diego | $192 | $86 |
| San Francisco | $280 | $111 |
| San Jose | $211 | $91 |
| Stockton | $225 | $362 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Berkeley car insurance FAQs
Learn about what factors might cause high car insurance rates, and read the answers to common questions about Berkeley car insurance below.
How much is car insurance in Berkeley?
The average cost of car insurance in Berkeley is $106 per month for liability only and $247 per month for full coverage.
Which is the cheapest insurance company in Berkeley?
USAA has the lowest rates for Berkeley drivers, with minimum-coverage quotes starting at $92 per month. National General and Sun Coast are the second- and third-cheapest insurers, with liability-only rates as low as $103 and $112, respectively.
What are the best car insurance companies in Berkeley?
Some of the best car insurance companies in Berkeley are Mile Auto, Safeco, and Mercury. These companies have lower-than-average monthly quotes for drivers and strong Insurify Quality Scores. However, the best insurer for you depends on your specific needs, budget, and driving history. It’s best to compare quotes from multiple car insurance companies at the same coverage levels to find the lowest price for you.
Does California have high car insurance?
California doesn’t necessarily have higher car insurance rates. California car insurance average costs are similar to national average rates. States like Florida have much higher premiums on average, but others, like Maine, have much lower costs. California sits right in the middle in terms of car insurance affordability.
Can insurers in California use your credit score to set premiums?
No. California prohibits insurers from using credit history to determine car insurance premiums.[7] This means that, all other factors being equal, you won’t pay more for car insurance if you have poor credit compared to someone with good or excellent credit.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- University of California, Berkeley. "Transportation Injury Mapping System."
- California DMV. "Auto Insurance Requirements."
- California Office of Traffic Safety. "Crash Rankings Results: Berkeley."
- III. "Do auto insurance premiums go up after a claim?."
- III. "Senior driving safety and insurance tips."
- III. "What determines the price of an auto insurance policy?."
- Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
)
Anna BaluchInsurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Anna has been a contributor at Insurify since December 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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