Compare Alameda, CA Car Insurance Rates (2021)

Car insurance in Alameda, CA averages $316 a month. Alameda, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Alameda car insurance rates, compare quotes from the top car insurance companies in Alameda, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Alameda for teen drivers is USAA
  • Average car insurance rates in Alameda, CA after a DUI are $5,341/year
  • The cheapest ZIP code in Alameda is 94502

If you need to buy Alameda, California car insurance, the options can be confusing. Everything you need to know about car insurance in Alameda, CA is right here.

You’ll find Alameda car insurance rates, the cheapest Alameda, CA car insurance companies, and information on California car insurance laws. You can also compare Alameda, California car insurance rates to Long Beach car insurance rates, Fresno car insurance rates, and Oakland car insurance rates.

Ready to find affordable Alameda, CA car insurance today? Enter your ZIP code for fast, free Alameda car insurance quotes.

Cheapest Alameda, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Alameda, CA car insurance rates? Every Alameda, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Alameda, CA

Every driver must carry the minimum car insurance in Alameda, CA. Take a look at the California car insurance requirements.

Minimum Required Car 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

Cheapest Alameda, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Alameda, CA to rates for a clean record with top companies.

Annual Alameda, California Car 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

Cheapest Alameda, CA Car Insurance for Teen Drivers

Teen car insurance in Alameda, CA can be expensive. Take a look at rates from the top car insurance companies in Alameda for teenagers.

Annual Car 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

Cheapest Alameda, CA Car Insurance for Seniors

Take a look at Alameda, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Alameda, CA Car Insurance Rates After a DUI

A DUI in Alameda, CA increases car insurance rates. Compare Alameda, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Alameda, California

Insurance Company Annual Car 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

Cheapest Alameda, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Alameda, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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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Cheapest Alameda, CA Car Insurance Rates by ZIP Code

Alameda car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Alameda, CA.

Annual Car Insurance Rates by ZIP Code in Alameda, California

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

The Best Cheap Car Insurance Companies in Alameda, CA

Take a look at a side-by-side comparison of the top car insurance companies in Alameda, CA to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Alameda, California

Find the cheapest car insurance companies in Alameda, CA for each category right here.

Best Annual Car 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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Cheapest Alameda, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Alameda car insurance rates. Find the cheapest Alameda, CA car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Alameda, California?

What factors can have an impact on Alameda, CA car insurance? There are several reasons why Alameda car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Alameda, California.

Car Theft in Alameda

High levels of vehicle theft can make car insurance more expensive. Alameda, CA car theft statistics from the FBI indicate 351 vehicle thefts a year.

Commute Time in Alameda

The more time you spend in your car the higher the risk of an accident. The average commute length in Alameda, CA is 34.6 minutes according to City-Data.

Compare Car Insurance Quotes in Alameda, CA

Ready to find affordable Alameda, California car insurance today? Enter your ZIP code for fast, free Alameda, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State