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Cheap Auto Insurance in Berkeley, California (2024)

Mile Auto offers the cheapest car insurance in Berkeley, with minimum-coverage policies as low as $64 per month.

Anna Baluch
Written byAnna Baluch
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Anna BaluchInsurance Writer

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  • MBA from Roosevelt University

Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.

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Courtney Mikulski
Edited byCourtney Mikulski
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

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Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated April 25, 2024

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Cheapest recent rates near Berkeley, California

Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $107/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 April 25, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 April 25, 2024. 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 April 25, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 April 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $236 per month and liability-only coverage averages $126. Nationally, the average monthly cost of car insurance is just $213 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

  • Mile Auto, Sun Coast, and Mercury 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Mile Auto3.5$117$63Usage-based insurance
Safeco3.8$166N/ASafe drivers
Mercury3.6$164$88Rideshare drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for usage-based insurance: Mile Auto

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.5
A.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).
NR
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.
$64/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.
$119/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$94/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.
$169/mo

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

Read our Safeco review
Gary - April 13, 2024
Verified

Excellent

A very good auto insurance company.
Tammy - April 8, 2024
Verified

Bad

The underwriter is incompetent. Your staff didn't renew my policy and sent a rude letter stating that I have debris or algae on my roof.
Carol - April 6, 2024
Verified

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

It seemed good, but I never had to use it. They increased the price by $704 a year, and that ended our relationship.

Best insurer for rideshare drivers: Mercury

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
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.
$86/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.
$160/mo

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

Read our Mercury review
Hugo - April 17, 2024
Verified

Happy Customer

The service is very good, but I'm sad because they don't want to give me more service.
Dee - April 16, 2024
Verified

Watch Out

They keep increasing the policy.
Bponda - April 16, 2024
Verified

Somewhat Average

I am waiting for a return call on quotes. Tom Brown is never available.

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: Mile Auto

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: Wednesday, April 17 at 12:00 PM PDT. 
Insurance CompanyAverage Monthly Quote
Mile Auto64
Sun Coast71
Mercury86
Anchor92
Safeco94
USAA102
Dairyland114
National General125
GEICO136
Allstate140
Farmers144
Direct Auto148
State Farm156
Travelers164
Bristol West178
21st Century179
Nationwide220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

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: Wednesday, April 17 at 12:00 PM PDT. 
Insurance CompanyAverage Monthly Quote
Mile Auto119
Mercury160
Sun Coast166
Safeco169
Anchor197
USAA219
Dairyland264
National General266
GEICO292
Allstate302
Farmers311
State Farm337
Travelers354
Direct Auto358
21st Century385
Bristol West397
Nationwide474
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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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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.

Here are California’s minimum car insurance requirements that all drivers must purchase:[2]

  • illustration card https://a.storyblok.com/f/162273/x/f2ca9fa443/protection-for-passengers.svg

    Bodily injury liability

    $15,000 per person and $30,000 per accident

  • illustration card https://a.storyblok.com/f/162273/x/7b43b14514/damage-from-aircraft.svg

    Property damage liability

    $5,000 per accident

Important Information

California liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[3]

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:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    This protects you from non-accident events that damage your vehicle, like severe weather, falling objects, theft, and vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured motorist

    Uninsured motorist coverage kicks in when a driver without insurance causes an accident.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    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 $64/mo. for minimum coverage in Berkeley

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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: Mile Auto

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 $329 for full coverage and $176 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: Wednesday, April 17 at 12:00 PM PDT. 
Insurance CompanyClean RecordWith Ticket
Mile Auto6490
Mercury86126
Safeco94130
USAA102129
Dairyland114150
National General125160
GEICO136173
Allstate140177
Farmers144183
Direct Auto148194
State Farm156195
Travelers164212
Bristol West178230
21st Century179237
Nationwide220282
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

In 2020, Berkeley reported 357 injuries and fatalities from car accidents, which is a bit lower than other California cities with similar populations.[4] 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.[5]

Berkeley drivers with at-fault accidents face average car insurance rates of $308 per month for full-coverage policies and $164 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: Wednesday, April 17 at 12:00 PM PDT. 
Insurance CompanyClean RecordWith Accident
Mile Auto6491
Mercury86126
Anchor92121
Safeco94131
USAA102129
Dairyland114148
National General125162
GEICO136173
Allstate140177
Farmers144183
Direct Auto148194
State Farm156195
Travelers164211
Bristol West178226
21st Century179235
Nationwide220282
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

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 $317 per month for full coverage and $169 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: Wednesday, April 17 at 12:00 PM PDT. 
Insurance CompanyClean RecordWith DUI
Mile Auto6497
Mercury86128
Anchor92133
Safeco94136
USAA102148
Dairyland114165
National General125181
GEICO136197
Allstate140203
Farmers144208
Direct Auto148214
State Farm156226
Travelers164237
Bristol West178258
21st Century179259
Nationwide220318
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

Senior drivers can experience age-related physical and cognitive changes that make it more difficult for them to drive safely.[6] 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 $103 per month for minimum coverage and $194 for full coverage. Here are the cheapest car insurance companies for senior drivers in Berkeley.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT. 
Insurance CompanyLiability OnlyFull Coverage
Mile Auto4991
Mercury70130
Safeco80144
USAA81175
Dairyland92213
National General101215
GEICO108231
Allstate113243
Farmers113244
Direct Auto114276
State Farm121260
Travelers129279
21st Century135290
Bristol West143318
Nationwide166357
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: Mile Auto

“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 $365 for full coverage and $195 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: Wednesday, April 17 at 12:00 PM PDT. 
Insurance CompanyLiability OnlyFull Coverage
Mile Auto116216
Mercury148276
Anchor154330
Safeco157283
USAA157337
Dairyland172399
GEICO199428
National General223475
Allstate230497
Farmers235507
State Farm250540
Direct Auto253613
Bristol West276616
Travelers277598
21st Century279600
Nationwide352759
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance in Berkeley

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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.[7] 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.

CityFull CoverageLiability Only
Anaheim$285$131
Bakersfield$212$104
Fresno$217$120
Long Beach$216$134
Los Angeles$289$179
Modesto$238$121
Oakland$218$138
Riverside$253$122
Sacramento$280$129
San Diego$199$108
San Francisco$240$142
San Jose$235$118
Stockton$270$363
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $126 per month for liability only and $236 per month for full coverage.

  • Which is the cheapest insurance company in Berkeley?

    Mile Auto has the lowest rates for Berkeley drivers, with minimum-coverage quotes starting at $64 per month. Sun Coast and Mercury are the second- and third-cheapest insurers, with liability-only rates as low as $71 and $86, 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.[8] 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Related articles

More cities in California

Popular cities

Sources

  1. University of California, Berkeley. "Transportation Injury Mapping System."
  2. California DMV. "Auto Insurance Requirements."
  3. California Legislative Information. "SB-1107 Vehicles: insurance.."
  4. California Office of Traffic Safety. "Crash Rankings Results: Berkeley."
  5. III. "Do auto insurance premiums go up after a claim?."
  6. III. "Senior driving safety and insurance tips."
  7. III. "What determines the price of an auto insurance policy?."
  8. Federal Trade Commission. "Credit-Based Insurance Scores: Impacts on Consumers of Automobile Insurance."
Anna Baluch
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.

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Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

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Latest Articles

Cheapest Car Insurance for Drivers Under 25 (2024)

Cheapest Car Insurance for Drivers Under 25 (2024)

Finding cheap car insurance for drivers under 25 can be tough, but there are plenty of affordable options if you know where to look.

April 25, 2024
Cheapest Car Insurance for Teens (2024)

Cheapest Car Insurance for Teens (2024)

Teens are notoriously expensive to insure. Check out the cheapest car insurance companies for teenagers to find a better deal.

April 25, 2024
Best Car Insurance with a $500 Deductible (2024)

Best Car Insurance with a $500 Deductible (2024)

Nationwide has the cheapest full-coverage car insurance with a $500 deductible, at $273 per month. Your deductible is what you pay when you file a claim.

April 25, 2024
Cheapest Car Insurance Companies for High-Risk Drivers (2024)

Cheapest Car Insurance Companies for High-Risk Drivers (2024)

High-risk drivers face challenges with car insurance rates, but options are available. Research the best coverage for high-risk drivers.

April 25, 2024
6 Best Pay-as-You-Go Car Insurance Companies (2024)

6 Best Pay-as-You-Go Car Insurance Companies (2024)

Pay-as-you-go car insurance has a different payment model than traditional insurance. See which companies have the best pay-as-you-go coverage.

April 25, 2024
State Farm Car Insurance Review: Costs and Ratings (2024)

State Farm Car Insurance Review: Costs and Ratings (2024)

State Farm costs an average of $175 for full-coverage car insurance. See State Farm’s car insurance customer reviews, ratings, discounts, and quotes.

April 25, 2024
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