Compare Berkeley, CA Car Insurance Rates (2021)

Car insurance in Berkeley, CA averages $322 a month. Berkeley, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Berkeley car insurance rates, compare quotes from the top car insurance companies in Berkeley, 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

  • Average car insurance rates in Berkeley, CA are $3,859/year
  • Average car insurance rates in Berkeley, CA after a DUI are $5,403/year
  • The cheapest ZIP code in Berkeley is 94707

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

You’ll find Berkeley car insurance rates, the cheapest Berkeley, CA car insurance companies, and information on California car insurance laws. You can also compare Berkeley, California car insurance rates to Oakland car insurance rates, Los Angeles car insurance rates, and San Francisco car insurance rates.

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

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

How do age, gender, and marital status affect Berkeley, CA car insurance rates? Every Berkeley, 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 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

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Minimum Car Insurance in Berkeley, CA

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

Minimum Required Car 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

Cheapest Berkeley, 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 Berkeley, CA to rates for a clean record with top companies.

Annual Berkeley, California Car 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

Cheapest Berkeley, CA Car Insurance for Teen Drivers

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

Annual Car 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

Cheapest Berkeley, CA Car Insurance for Seniors

Take a look at Berkeley, 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 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

Cheapest Berkeley, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Berkeley, California

Insurance Company Annual Car 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

Cheapest Berkeley, CA Car Insurance Rates by Commute Length

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

Annual Car 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

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Cheapest Berkeley, CA Car Insurance Rates by ZIP Code

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

Annual Car 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

The Best Cheap Car Insurance Companies in Berkeley, CA

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

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Berkeley, California

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

Best Annual Car 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

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Cheapest Berkeley, CA Car Insurance Rates by Coverage Level

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

Annual Car 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

What affects car insurance rates in Berkeley, California?

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

Car Theft in Berkeley

High levels of vehicle theft can make car insurance more expensive. Berkeley, CA car theft statistics from the FBI indicate 548 vehicle thefts a year.

Commute Time in Berkeley

The more time you spend in your car the higher the risk of an accident. The average commute length in Berkeley, CA is 30.9 minutes according to City-Data.

Compare Car Insurance Quotes in Berkeley, CA

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

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Average Monthly Car Insurance Rates by State