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Berkeley Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in the Berkeley is $970, which is $28 higher than the state average. AAA offers the cheapest insurance rates in the city at $495 for a six-month policy.
$970
$942
$1146
At $495 for a six month policy, AAA offers the cheapest auto insurance rates in the city.
CSAA offers auto insurance rates at $685 for a six-month policy, making it one of the cheapest to insure with.
Capital Insurance Group offers auto insurance rates at $728 for six months, making it the third cheapest auto insurance company in Berkeley.
Based on our research, the cheapest car insurance companies in Berkeley CA include AAA, offering $495 for a six-month policy. This is followed by CSAA, with an average six-month premium of $685. Farmers is the most expensive, at $1634.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $495 | $82 |
| CSAA | $685 | $115 |
| Capital Insurance Group | $728 | $122 |
| National General | $741 | $126 |
| State National | $753 | $126 |
| Hartford | $795 | $135 |
| Kemper | $899 | $151 |
| USAA | $912 | $153 |
| Progressive | $955 | $161 |
| AAA SoCal | $972 | $166 |
| Mercury | $1046 | $176 |
| Auto Club | $1120 | $191 |
| AAA NorCal | $1138 | $190 |
| Allstate | $1138 | $192 |
| State Farm | $1242 | $209 |
| Wawanesa | $1242 | $209 |
| Farmers | $1634 | $272 |
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Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Berkeley are given below.
CSAA provides the cheapest minimum car insurance coverage in Berkeley. Their Average 6 Month Premium is $159. Farmers is the most expensive at $520 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| CSAA | $159 | $27 |
| AAA | $220 | $37 |
| USAA | $263 | $44 |
| Kemper | $287 | $48 |
| Progressive | $300 | $50 |
| AAA NorCal | $306 | $52 |
| Wawanesa | $312 | $53 |
| Capital Insurance Group | $312 | $54 |
| State National | $331 | $57 |
| Auto Club | $343 | $57 |
| AAA SoCal | $349 | $60 |
| Mercury | $349 | $59 |
| State Farm | $373 | $63 |
| Allstate | $410 | $69 |
| National General | $410 | $70 |
| 21st Century | $416 | $69 |
| Farmers | $520 | $89 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Berkeley is AAA at $82 per month and $495 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $495 | $82 |
| CSAA | $685 | $115 |
| Capital Insurance Group | $728 | $122 |
| National General | $741 | $126 |
| State National | $753 | $126 |
| Hartford | $795 | $135 |
| Kemper | $899 | $151 |
| USAA | $912 | $153 |
| Progressive | $955 | $161 |
| AAA SoCal | $972 | $166 |
| Mercury | $1046 | $176 |
| Auto Club | $1120 | $191 |
| AAA NorCal | $1138 | $190 |
| Allstate | $1138 | $192 |
| State Farm | $1242 | $209 |
| Wawanesa | $1242 | $209 |
| Farmers | $1634 | $272 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Berkeley, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Berkeley's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Wawanesa | $603 |
| 30s | Wawanesa | $486 |
| 40s | Wawanesa | $486 |
| 50s | Wawanesa | $486 |
| 60s | Wawanesa | $486 |
| 70s | Wawanesa | $476 |
If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Berkeley at $50 per month. At $3604 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| AAA | $300 | $50 |
| Capital Insurance Group | $331 | $56 |
| State National | $385 | $64 |
| Kemper | $435 | $72 |
| Mercury | $1242 | $209 |
| State Farm | $1267 | $213 |
| USAA | $1273 | $214 |
| Progressive | $1432 | $241 |
| Wawanesa | $1432 | $243 |
| CSAA | $1811 | $305 |
| AAA SoCal | $2319 | $394 |
| Allstate | $2484 | $418 |
| Auto Club | $2649 | $450 |
| AAA NorCal | $3530 | $588 |
| Farmers | $3604 | $613 |
Teen Car Insurance Rates in CA by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Save up to $971/yr on car insurance rates in Berkeley.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Berkeley, CA, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Berkeley include Capital Insurance Group and AAA, offering $361 and $428, respectively. Allstate is an expensive provider with an average six-month premium of $2772.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Capital Insurance Group | $361 | $60 |
| AAA | $428 | $72 |
| State National | $465 | $77 |
| Hartford | $539 | $92 |
| National General | $618 | $103 |
| Nationwide | $666 | $113 |
| 21st Century | $703 | $117 |
| CSAA | $759 | $128 |
| Progressive | $1059 | $178 |
| USAA | $1107 | $186 |
| State Farm | $1224 | $206 |
| Mercury | $1382 | $235 |
| Wawanesa | $1590 | $265 |
| AAA SoCal | $1671 | $284 |
| Farmers | $1701 | $286 |
| Auto Club | $1762 | $300 |
| AAA NorCal | $2306 | $384 |
| Allstate | $2772 | $467 |
Here is a list of driving violations that can increase your car insurance rates in Berkeley CA. For example, the car insurance in Berkeley after a DUI increases to $1792 for a six month policy. While the rate increases by $470 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1120 | $186 |
| Not-at-fault accident | $1120 | $191 |
| One comp claim | $1120 | $186 |
| One Med/PIP claim | $1120 | $191 |
| Two comp claims | $1120 | $186 |
| Two Med/PIP claims | $1120 | $191 |
| At-fault accident - less than $1000 | $1144 | $191 |
| Failure to show documents | $1475 | $250 |
| Driving with expired registration | $1505 | $251 |
| Driving without lights | $1505 | $255 |
| Failure to wear a seat belt | $1511 | $252 |
| Child safety restraint | $1523 | $259 |
| Speeding 11 - 15 MPH over limit | $1584 | $264 |
| Speeding 16 - 20 MPH over limit | $1584 | $270 |
| Driving too slowly | $1590 | $265 |
| Failure to stop at a red light | $1590 | $271 |
| Failure to yield | $1590 | $265 |
| Following too closely | $1590 | $271 |
| Illegal turn | $1590 | $265 |
| In 65 MPH zone | $1590 | $271 |
| Speeding 21 - 25 MPH over limit | $1590 | $265 |
| Speeding 6 - 10 MPH over limit | $1590 | $271 |
| Speeding in school zone | $1590 | $265 |
| Improper passing | $1597 | $272 |
| Cell phone violation | $1603 | $267 |
| Texting while driving | $1603 | $273 |
| Passing school bus | $1621 | $270 |
| Wrong way/wrong lane | $1896 | $322 |
| Operating a vehicle without permission | $1939 | $323 |
| At-fault accident - $1000-$2000 | $1952 | $332 |
| At-fault accident - greater than $2000 | $1952 | $325 |
| Open container | $1958 | $333 |
| Driving with a suspended license | $2270 | $378 |
| Reckless driving | $2766 | $471 |
| Racing | $2796 | $466 |
| Leaving scene of an accident/hit and run | $2808 | $478 |
| DUI | $2912 | $485 |
| Refusal to submit to a chemical test | $2912 | $495 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Berkeley.
The cheapest car insurance premiums in Berkeley are offered by National General at $404 for a six-month policy. However, it can be as expensive as $4485 with companies like Allstate.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| National General | $404 | $67 |
| Capital Insurance Group | $545 | $93 |
| Kemper | $649 | $108 |
| AAA | $770 | $131 |
| Travelers | $838 | $141 |
| Mercury | $881 | $148 |
| Progressive | $1340 | $226 |
| Farmers | $1769 | $298 |
| Wawanesa | $1792 | $299 |
| USAA | $1989 | $335 |
| CSAA | $2154 | $363 |
| AAA SoCal | $3096 | $526 |
| Auto Club | $3542 | $590 |
| AAA NorCal | $4081 | $694 |
| State Farm | $4356 | $733 |
| Allstate | $4485 | $755 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Berkeley are offered by CSAA at $110. However, it can be as expensive as $2312 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| CSAA | $110 | $19 |
| AAA | $300 | $50 |
| Capital Insurance Group | $349 | $58 |
| Kemper | $379 | $65 |
| National General | $404 | $67 |
| State National | $465 | $79 |
| Mercury | $826 | $139 |
| Progressive | $912 | $153 |
| USAA | $961 | $160 |
| AAA NorCal | $1432 | $243 |
| AAA SoCal | $1536 | $255 |
| Allstate | $1579 | $269 |
| State Farm | $1671 | $278 |
| Farmers | $2312 | $393 |
Car insurance rates in Berkeley have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Berkeley rose by $188 in August compared to $171 of July. In other words, there has been an increase by $17 when you compare August and July.
The average cost of liability insurance in the Berkeley remained steady at $53 in both August and July, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Berkeley. At $1028 for a six-month policy, insuring your car at 94710 is the cheapest in the city.
| Zip Code | Average 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 94710 | $1028 | $172 |
| 94720 | $989 | $165 |
| 94703 | $1135 | $190 |
| 94702 | $1096 | $183 |
| 94707 | $1057 | $177 |
| 94705 | $1067 | $179 |
| 94704 | $1193 | $200 |
| 94709 | $1057 | $177 |
| 94708 | $1047 | $175 |
How much is car insurance in Berkeley?
The car insurance in Berkeley is $27 per month, which is lower than the national average.
What is the cheapest car insurance in Berkeley?
The cheapest car insurance in Berkeley is $82 per month for full coverage.
How much is car insurance in Berkeley for teenagers?
Car insurance for teenagers costs $300 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Berkeley?
The average cost of car insurance is $942 for a six-month policy. It will cost around $163 per month to insure your car in Berkeley.
Is car insurance expensive in Berkeley?
Car insurance can be expensive in Berkeley if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Berkeley can be affordable.
What is the best car insurance in Berkeley, CA?
The best car insurance company in Berkeley CA is AAA, offering $495 for a six-month policy.
Cut auto insurance costs in Berkeley right now.