Compare El Cerrito, CA Car Insurance Rates (2021)

Car insurance in El Cerrito, CA averages $303 a month. El Cerrito, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap El Cerrito car insurance rates, compare quotes from the top car insurance companies in El Cerrito, 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 El Cerrito is GEICO
  • Average car insurance rates in El Cerrito, CA after a DUI are $5,098/year
  • The cheapest car insurance company in El Cerrito for teen drivers is USAA

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

You’ll find El Cerrito car insurance rates, the cheapest El Cerrito, CA car insurance companies, and information on California car insurance laws. You can also compare El Cerrito, California car insurance rates to San Diego car insurance rates, Bakersfield car insurance rates, and Oakland car insurance rates.

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

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

How do age, gender, and marital status affect El Cerrito, CA car insurance rates? Every El Cerrito, 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 El Cerrito, 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 $2,843 $2,850 $2,073 $2,095 $7,881 $9,930 $3,644 $4,017
Farmers $2,767 $2,767 $2,491 $2,491 $8,845 $14,552 $3,281 $3,655
GEICO $1,566 $1,567 $1,473 $1,473 $4,788 $4,866 $2,252 $2,298
Liberty Mutual $2,382 $2,256 $2,216 $2,148 $5,240 $5,571 $2,689 $2,706
Nationwide $3,075 $2,935 $2,697 $2,542 $7,843 $8,653 $3,678 $3,629
Progressive $1,759 $1,812 $1,485 $1,769 $4,681 $5,654 $2,527 $2,719
State Farm $3,423 $3,423 $3,060 $3,060 $6,304 $7,817 $3,790 $3,908
Travelers $2,541 $2,458 $2,245 $2,221 $5,280 $6,029 $3,306 $3,236
USAA $1,843 $1,748 $1,796 $1,806 $4,193 $4,238 $2,565 $2,426

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Minimum Car Insurance in El Cerrito, CA

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

Minimum Required Car Insurance Coverage in El Cerrito, 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 El Cerrito, 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 El Cerrito, CA to rates for a clean record with top companies.

Annual El Cerrito, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,662 $4,477 $7,033 $3,494
Farmers $3,770 $5,138 $6,410 $5,106
GEICO $1,771 $2,742 $3,430 $2,197
Liberty Mutual $2,735 $3,665 $3,306 $2,898
Nationwide $3,058 $3,921 $6,625 $3,921
Progressive $1,837 $3,115 $3,606 $2,645
State Farm $3,103 $3,700 $6,989 $3,601
Travelers $2,275 $3,712 $4,317 $3,354
USAA $1,713 $2,551 $4,167 $1,876

Cheapest El Cerrito, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in El Cerrito, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,881 $9,930
Farmers $8,845 $14,552
GEICO $4,788 $4,866
Liberty Mutual $5,240 $5,571
Nationwide $7,843 $8,653
Progressive $4,681 $5,654
State Farm $6,304 $7,817
Travelers $5,280 $6,029
USAA $4,193 $4,238

Cheapest El Cerrito, CA Car Insurance for Seniors

Take a look at El Cerrito, 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 El Cerrito, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,073 $2,095
Farmers $2,491 $2,491
GEICO $1,473 $1,473
Liberty Mutual $2,216 $2,148
Nationwide $2,697 $2,542
Progressive $1,485 $1,769
State Farm $3,060 $3,060
Travelers $2,245 $2,221
USAA $1,796 $1,806

Cheapest El Cerrito, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in El Cerrito, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,033
Farmers $6,410
GEICO $3,430
Liberty Mutual $3,306
Nationwide $6,625
Progressive $3,606
State Farm $6,989
Travelers $4,317
USAA $4,167

Cheapest El Cerrito, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in El Cerrito, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,981 $4,852
Farmers $4,634 $5,578
GEICO $2,303 $2,767
Liberty Mutual $2,894 $3,408
Nationwide $3,871 $4,892
Progressive $2,540 $3,062
State Farm $4,190 $4,506
Travelers $3,070 $3,759
USAA $2,377 $2,777

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The Best Cheap Car Insurance Companies in El Cerrito, CA

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

Average Annual Car Insurance Rates by Company in El Cerrito, California

Insurance Company Average Annual Rates
Allstate $4,416
Farmers $5,106
GEICO $2,535
Liberty Mutual $3,151
Nationwide $4,381
Progressive $2,801
State Farm $4,348
Travelers $3,414
USAA $2,577

Category Winners: Cheapest Car Insurance in El Cerrito, California

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

Best Annual Car Insurance Rates by Company in El Cerrito, 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

Cheapest El Cerrito, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in El Cerrito, California

Insurance Company Low Medium High
Allstate $4,186 $4,454 $4,609
Farmers $4,779 $5,142 $5,397
GEICO $2,331 $2,563 $2,711
Liberty Mutual $2,940 $3,180 $3,333
Nationwide $3,930 $4,464 $4,750
Progressive $2,533 $2,883 $2,986
State Farm $3,927 $4,420 $4,697
Travelers $2,976 $3,510 $3,758
USAA $2,367 $2,621 $2,743

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What affects car insurance rates in El Cerrito, California?

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

Car Theft in El Cerrito

High levels of vehicle theft can make car insurance more expensive. El Cerrito, CA car theft statistics from the FBI indicate 102 vehicle thefts a year.

Commute Time in El Cerrito

The more time you spend in your car the higher the risk of an accident. The average commute length in El Cerrito, CA is 35.5 minutes according to City-Data.

Compare Car Insurance Quotes in El Cerrito, CA

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

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Average Monthly Car Insurance Rates by State