Cheapest Car Insurance Quotes in Emeryville

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Emeryville Car Insurance

^$ 31

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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.

Table of Contents

How Much Is Car Insurance in Emeryville

The car insurance rate in Emeryville is $1203 for a six-month policy, which is $192 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $764, making it a popular choice for budget-conscious drivers. Rates in Emeryville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Emeryville

$1203

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Emeryville

1st place: CSAA

At $764 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $969 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1025 for six months, making it the third cheapest auto insurance company in Emeryville.

Emeryville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Emeryville, CA is CSAA, offering policies at just $764 for a six-month term. This is followed by USAA, which has an average six-month premium of $969.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $919 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Emeryville drivers find the best deals.

Cheap Car Insurance Companies in Emeryville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$764	$129
USAA	$969	$163
Mercury	$1025	$173
AAA SoCal	$1123	$192
Progressive	$1180	$199
Allstate	$1294	$218
Wawanesa	$1301	$219
AAA NorCal	$1315	$224
Auto Club	$1357	$226
State Farm	$1435	$242
AAA	$1633	$273
Kemper	$1690	$287
Farmers	$1887	$314
Capital Insurance Group	$841	$140
National General	$856	$145
State National	$870	$145
Hartford	$919	$156

Key Takeaways

Way's key takeaways about car insurance in Emeryville

The auto insurance costs in Emeryville fall around $764 for six months.
The cheapest auto insurance company in Emeryville is CSAA.
Teen drivers pay the highest rate in Emeryville at $80 per month.

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Cheapest Minimum Liability Car Insurance in Emeryville

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 Emeryville are given below.

CSAA provides the cheapest minimum car insurance coverage in Emeryville. Their Average 6 Month Premium is $183. 21st Century is the most expensive at $481 for the same period.

Cheapest Liability Coverage in Emeryville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$183	$31
AAA	$325	$55
USAA	$339	$57
AAA NorCal	$353	$60
AAA SoCal	$403	$69
Progressive	$411	$69
Auto Club	$417	$71
State Farm	$431	$73
Wawanesa	$438	$74
Mercury	$466	$79
Allstate	$502	$84
Farmers	$601	$100
Kemper	$332	$56
Capital Insurance Group	$361	$62
State National	$382	$65
National General	$474	$79
21st Century	$481	$82

Cheapest Full Coverage Car Insurance in Emeryville

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 Emeryville is CSAA at $129 per month and $764 for six months.

Cheapest Full Coverage Car Insurance Quotes in Emeryville, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$764	$129
USAA	$969	$163
Mercury	$1025	$173
AAA SoCal	$1123	$192
Progressive	$1180	$199
Allstate	$1294	$218
Wawanesa	$1301	$219
AAA NorCal	$1315	$224
Auto Club	$1357	$226
State Farm	$1435	$242
AAA	$1633	$273
Kemper	$1690	$287
Farmers	$1887	$314
Capital Insurance Group	$841	$140
National General	$856	$145
State National	$870	$145
Hartford	$919	$156

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Average Car Insurance in Emeryville by Rating Factor

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.

I have a clean driving record. Why is my car insurance rate here in Emeryville, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Emeryville, 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, Emeryville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Emeryville

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.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$696
30s	Wawanesa	$562
40s	Wawanesa	$562
50s	Wawanesa	$562
60s	Wawanesa	$562
70s	Wawanesa	$550

Cheapest Car Insurance Rates for Teen Drivers in Emeryville,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Emeryville at $46 per month. At $466 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$276	$46
Capital Insurance Group	$622	$104
USAA	$1484	$250
Mercury	$1505	$253
Wawanesa	$1654	$281
Progressive	$1731	$292
CSAA	$2085	$351
State Farm	$2474	$417
AAA SoCal	$2679	$456
Allstate	$2870	$483
Auto Club	$3061	$520
AAA NorCal	$4078	$679
Farmers	$4164	$708
State National	$445	$74
Marcury	$466	$80

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Emeryville.

As young drivers face the highest rates in Emeryville, Wawanesa offers the cheapest auto insurance rates at $696 for six months.

Car Insurance Rates by Credit Score & Driving History

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.

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Save up to $971/yr on car insurance rates in Emeryville.

Car Insurance Rates with An Accident in Emeryville

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 Emeryville, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Emeryville

The cheapest car insurance companies after an at-fault accident in Emeryville include AAA and Capital Insurance Group, offering $452 and $650, respectively. 21st Century is an expensive provider with an average six-month premium of $813.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$452	$76
Capital Insurance Group	$650	$111
CSAA	$870	$146
USAA	$1301	$219
Progressive	$1505	$253
Mercury	$1597	$271
Wawanesa	$1837	$306
AAA SoCal	$1930	$328
Auto Club	$2036	$339
Farmers	$2092	$352
State Farm	$2488	$419
AAA NorCal	$2664	$453
Allstate	$3202	$539
State National	$537	$89
Hartford	$622	$106
National General	$714	$119
Nationwide	$770	$131
21st Century	$813	$136

Emeryville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Emeryville CA. For example, the car insurance in Emeryville after a DUI increases to $2070 for a six month policy. While the rate increases by $543 for a six-month policy in the case of a speeding ticket.

Emeryville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1294	$215
Not-at-fault accident	$1294	$220
One comp claim	$1294	$215
One Med/PIP claim	$1294	$220
Two comp claims	$1294	$215
Two Med/PIP claims	$1294	$220
At-fault accident - less than $1000	$1322	$220
Failure to show documents	$1704	$289
Driving with expired registration	$1739	$290
Driving without lights	$1739	$295
Failure to wear a seat belt	$1746	$292
Child safety restraint	$1760	$299
Speeding 11 - 15 MPH over limit	$1830	$305
Speeding 16 - 20 MPH over limit	$1830	$312
Driving too slowly	$1837	$306
Failure to stop at a red light	$1837	$313
Failure to yield	$1837	$306
Following too closely	$1837	$313
Illegal turn	$1837	$306
In 65 MPH zone	$1837	$313
Speeding 21 - 25 MPH over limit	$1837	$306
Speeding 6 - 10 MPH over limit	$1837	$313
Speeding in school zone	$1837	$306
Improper passing	$1845	$314
Cell phone violation	$1852	$308
Texting while driving	$1852	$315
Passing school bus	$1873	$312
Wrong way/wrong lane	$2191	$372
Operating a vehicle without permission	$2241	$374
At-fault accident - $1000-$2000	$2255	$383
At-fault accident - greater than $2000	$2255	$376
Open container	$2262	$384
Driving with a suspended license	$2623	$437
Reckless driving	$3195	$544
Racing	$3231	$538
Leaving scene of an accident/hit and run	$3244	$552
DUI	$3364	$560
Refusal to submit to a chemical test	$3364	$572

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Way Tip

Avoid Having A DUI On Your Driving Record.

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.

Car Insurance Rates in Emeryville after a DUI

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 Emeryville.

The cheapest car insurance premiums in Emeryville are offered by AAA at $890 for a six-month policy. However, it can be as expensive as $750 with companies like Kemper.

Emeryville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$890	$151
Capital Insurance Group	$969	$162
Mercury	$1152	$194
Progressive	$1704	$287
Wawanesa	$2071	$352
Farmers	$2198	$370
USAA	$2340	$394
CSAA	$2474	$417
AAA SoCal	$3577	$608
Auto Club	$4092	$682
AAA NorCal	$4715	$802
State Farm	$5033	$847
Allstate	$5181	$872
Travelers	$997	$167
National General	$466	$77
Kemper	$750	$125

Cheapest car insurance after a speeding ticket

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 Emeryville are offered by CSAA at $113. However, it can be as expensive as $537 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Emeryville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$113	$19
Capital Insurance Group	$622	$104
Mercury	$1060	$179
USAA	$1110	$184
Progressive	$1195	$201
AAA NorCal	$1654	$276
AAA SoCal	$1774	$302
Allstate	$1824	$303
State Farm	$1930	$328
Farmers	$2672	$445
AAA	$346	$58
Kemper	$438	$75
National General	$466	$77
State National	$537	$92

Car Insurance Price Trends in Emeryville, California

Car insurance rates in Emeryville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Emeryville rose by $228 in December compared to $226 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Emeryville rose to $64 in December, compared to $62 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Emeryville?

The car insurance in Emeryville is $31 per month, which is lower than the national average.

What is the cheapest car insurance in Emeryville?

The cheapest car insurance in Emeryville is $129 per month for full coverage.

How much is car insurance in Emeryville for teenagers?

Car insurance for teenagers costs $276 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 Emeryville?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $202 per month to insure your car in Emeryville.

Is car insurance expensive in Emeryville?

Car insurance can be expensive in Emeryville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Emeryville can be affordable.

Cheapest Car Insurance Quotes in Emeryville

Why you can trust Way?

How Much Is Car Insurance in Emeryville

Avg. Car Insurance in Emeryville

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Emeryville

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Emeryville Car Insurance Rates by Company

Cheap Car Insurance Companies in Emeryville, CA

Way's key takeaways about car insurance in Emeryville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Emeryville

Cheapest Liability Coverage in Emeryville, CA

Cheapest Full Coverage Car Insurance in Emeryville

Cheapest Full Coverage Car Insurance Quotes in Emeryville, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Emeryville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Emeryville, CA increasing?

Car Insurance Premiums by Age in Emeryville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Emeryville,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Emeryville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Emeryville

Cheapest Car Insurance Companies after an At-Fault Accident in Emeryville

Emeryville Car Insurance Rates by Violation

Emeryville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Emeryville after a DUI

Emeryville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Emeryville after Speeding ticket

Car Insurance Price Trends in Emeryville, California

Average Car Insurance Cost in Emeryville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Emeryville, CA

Car Insurance Rates by State in the USA (2025 Update)

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