Best & Cheapest Car Insurance In Berkeley, CA For 2025

GEICO delivers the best deal for minimum coverage in Berkeley, with rates averaging $31 a month.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 16 December 2024
Written by Bob Phillips
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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 National General, and young drivers also benefit most from GEICO’s pricing.

Cheapest and best car insurance in Berkeley, CA 2025

Cheapest Liability-only Car Insurance In Berkeley: GEICO

For minimum coverage in Berkeley, GEICO stands out as the most cost-effective option, offering insurance for just $31 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
GEICO $31 $370
Mercury $36 $435
State Farm $41 $497
Kemper $45 $542
Nationwide $50 $605

Cheapest Full Coverage Insurance Rates In Berkeley: National General

With an average monthly rate of $79, National General 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
National General $79 $946
State Farm $104 $1,242
Progressive $96 $1,148
Hartford $116 $1,388
Kemper $128 $1,540

Cheapest Car Insurance Rates For Seniors: State Farm

Seniors in Berkeley can save with State Farm, which has the cheapest car insurance rates at $81 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
State Farm $81 $975
Progressive $96 $1,147
Allstate $105 $1,265
Nationwide $110 $1,320
Travelers $130 $1,561

Cheapest Rates In Berkeley For Teenagers: State Farm

Teen drivers in Berkeley can save with State Farm, which offers the lowest monthly premiums at $227 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
State Farm $227 $2,721
Farmers $247 $2,961
Progressive $306 $3,672
Kemper $386 $4,630
Nationwide $428 $5,138

Cheapest Auto Insurance For Young Adults in Berkeley: GEICO

Young adults in Berkeley can save with GEICO, which offers the most budget-friendly car insurance at $103 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
GEICO $103 $1,240
State Farm $121 $1,450
Allstate $122 $1,467
Mercury $130 $1,564
Nationwide $155 $1,860

Cheapest Car Insurance In Berkeley For Good Drivers: GEICO

In Berkeley, good drivers can save on car insurance with GEICO, where rates average $31 a month.

Good drivers can use the table below to see average quotes from affordable insurance companies.

Provider Average Monthly Cost Average Annual Cost
GEICO $31 $370
Mercury $36 $435
State Farm $41 $497
Kemper $45 $542
Nationwide $50 $605

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Cheapest Car Insurance In Berkeley After A Speeding Ticket: CIG

For Berkeley drivers with a speeding ticket,CIG provides the best value, offering average monthly premiums of $129.

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
CIG $129 $1,550
Mercury $132 $1,580
State Farm $153 $1,836
Kemper $170 $2,038
Nationwide $206 $2,467

Cheapest For Drivers With After At-Fault Accident: Nation General

Drivers who have an at-fault incident on their record can find the lowest rates with Nation General, averaging $116 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
Nation General $116 $1,390
State Farm $160 $1,920
Mercury $174 $2,088
Allstate $197 $2,358
Kemper $281 $3,370

Cheapest Rates In Berkeley For Drivers After A DUI: Mercury

After a DUI, Berkeley drivers can find the most affordable insurance with Mercury, averaging $163 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
Mercury $163 $1,963
GEICO $212 $2,542
Kemper $282 $3,378
State Farm $316 $3,790
Allstate $344 $4,130

Best Car Insurance Companies In Berkeley

In Berkeley, GEICO is the cheapest insurance provider at $31 per month. You might also want to check out Mercury at $36 per month and State Farm at $41 per month.

The table below lists the top 10 car insurance providers in Berkeley, CA, ranked by their average monthly premiums.

Company Monthly Premium
GEICO $31
Mercury $36
State Farm $41
Kemper $45
Nationwide $50
National General $48
Kemper $49
Hartford $50
CIG $58
Traveler $55
Chubb $62

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 $2,925 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 $2,925
20s $2,116
30s $1,719
40s $2,109
50s $1,560
60s $1,479
70s $1,359

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 $972
Audi A3 $130
Toyota Prius $197
Chevrolet Equinox $365
Kia Optima $461

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
94705 $158
94709 $140
94706 $112
94708 $124
94703 $140

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 Culver City often pay an average of $211 per month for car insurance, while those in San Diego typically pay $169 per month.

City Average Monthly Rate
Jurupa Valley $174
San Diego $169
Danville $163
Culver City $202
Fresno $171
Lynwood $211
Cerritos $192
Palo Alto $158
Bakersfield $174
Lancaster $194

Find affordable Berkeley rates

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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.

36

Quotes Analyzed

15+

Years Of Experience

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Brands Reviewed

30

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 National General 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 $160 per month on car insurance, but actual rates are affected by your zip code, car details, and driving history.

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