Cheapest Car Insurance Quotes in Berkeley

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Berkeley Car Insurance

^$ 37

/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 Berkeley

The car insurance rate in Berkeley is $1265 for a six-month policy, which is $284 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $644, making it a popular choice for budget-conscious drivers. Rates in Berkeley 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 Berkeley

$1265

Avg. Car Insurance in Missouri

$981

National Average

$1140

Cheapest Car Insurance Companies in Berkeley

1st place: American Family

At $644 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $813 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $904 for six months, making it the third cheapest auto insurance company in Berkeley.

Berkeley Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Berkeley, MO is American Family, offering policies at just $644 for a six-month term. This is followed by Travelers, which has an average six-month premium of $813.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $1931 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Berkeley drivers find the best deals.

Cheap Car Insurance Companies in Berkeley, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$644	$110
Travelers	$813	$137
USAA	$904	$152
Shelter	$1204	$203
Encompass	$1211	$206
State Farm	$1280	$215
Electric	$1410	$240
Allstate	$1456	$245
Progressive	$1533	$258
Missouri Farm Bureau	$1540	$257
Nationwide	$1931	$329

Key Takeaways

Way's key takeaways about car insurance in Berkeley

The auto insurance costs in Berkeley fall around $644 for six months.
The cheapest auto insurance company in Berkeley is USAA.
Teen drivers pay the highest rate in Berkeley at $982 per month.

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Cheapest Minimum Liability Car Insurance in Berkeley

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.

USAA provides the cheapest minimum car insurance coverage in Berkeley. Their Average 6 Month Premium is $222. Nationwide is the most expensive at $774 for the same period.

Cheapest Liability Coverage in Berkeley, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$222	$37
Missouri Farm Bureau	$245	$41
Travelers	$299	$50
Electric	$315	$53
Progressive	$337	$57
American Family	$344	$58
Encompass	$360	$61
Shelter	$430	$72
State Farm	$459	$77
Allstate	$690	$117
Nationwide	$774	$129

Cheapest Full Coverage Car Insurance in Berkeley

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 American Family at $110 per month and $644 for six months.

Cheapest Full Coverage Car Insurance Quotes in Berkeley, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$644	$110
Travelers	$813	$137
USAA	$904	$152
Shelter	$1204	$203
Encompass	$1211	$206
State Farm	$1280	$215
Electric	$1410	$240
Allstate	$1456	$245
Progressive	$1533	$258
Missouri Farm Bureau	$1540	$257
Nationwide	$1931	$329

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Average Car Insurance in Berkeley 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 Berkeley, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Berkeley, Missouri, may be increasing due to several external factors. Missouri 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.

Car Insurance Premiums by Age in Berkeley

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

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Cheapest Car Insurance Rates for Teen Drivers in Berkeley,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Berkeley at $54 per month. At $5893 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$321	$54
American Family	$368	$62
Travelers	$881	$148
USAA	$1356	$228
Progressive	$1978	$333
State Farm	$2215	$373
Shelter	$2614	$436
Allstate	$5264	$895
Nationwide	$5893	$982

Teen Car Insurance Rates in MO by Age

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.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Berkeley, Progressive is the cheapest car insurance provider. At $467 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Berkeley is Allstate, offering rates of around $751 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$467	$80
Travelers	$482	$80
Kemper	$590	$101
American Family	$628	$104
Shelter	$659	$112
Nationwide	$728	$121
Allstate	$751	$128

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Car Insurance Rates with An Accident 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, MO, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Berkeley include Missouri Farm Bureau and Electric, offering $268 and $383, respectively. Allstate is an expensive provider with an average six-month premium of $3104.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$268	$45
Electric	$383	$66
American Family	$422	$70
Encompass	$490	$84
Travelers	$582	$98
USAA	$597	$101
Progressive	$835	$141
State Farm	$1011	$170
Shelter	$1134	$191
Nationwide	$2859	$486
Allstate	$3104	$517

Berkeley Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Berkeley MO. For example, the car insurance in Berkeley after a DUI increases to $1043 for a six month policy. While the rate increases by $360 for a six-month policy in the case of a speeding ticket.

Berkeley auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2061	$343
One Med/PIP claim	$2061	$351
Not-at-fault accident	$2122	$353
One comp claim	$2138	$364
Two Med/PIP claims	$2138	$356
Two comp claims	$2276	$387
Failure to wear a seat belt	$2337	$390
Failure to show documents	$2345	$399
Child safety restraint	$2383	$397
Driving without lights	$2383	$405
Driving with expired registration	$2398	$400
Cell phone violation	$2414	$410
Driving too slowly	$2414	$402
Following too closely	$2414	$410
Speeding in school zone	$2414	$402
Failure to yield	$2421	$412
Speeding 11 - 15 MPH over limit	$2421	$404
Speeding 16 - 20 MPH over limit	$2421	$412
Speeding 6 - 10 MPH over limit	$2421	$404
Texting while driving	$2421	$412
Illegal turn	$2429	$405
Wrong way/wrong lane	$2429	$413
Failure to stop at a red light	$2437	$406
Improper passing	$2437	$414
Speeding 21 - 25 MPH over limit	$2437	$406
In 65 MPH zone	$2452	$417
Passing school bus	$2497	$417
Open container	$2575	$437
Operating a vehicle without permission	$2635	$440
At-fault accident - less than $1000	$2851	$485
At-fault accident - $1000-$2000	$3011	$502
At-fault accident - greater than $2000	$3011	$512
Refusal to submit to a chemical test	$3050	$508
DUI	$3104	$528
Driving with a suspended license	$3172	$529
Racing	$3250	$552
Leaving scene of an accident/hit and run	$3295	$550
Reckless driving	$3333	$566

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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 Berkeley 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 Berkeley.

The cheapest car insurance premiums in Berkeley are offered by Missouri Farm Bureau at $321 for a six-month policy. However, it can be as expensive as $3563 with companies like Nationwide.

Berkeley car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$321	$54
American Family	$414	$68
Kemper	$513	$88
Travelers	$620	$104
Progressive	$766	$129
USAA	$951	$160
State Farm	$1073	$181
Shelter	$1249	$210
Allstate	$2697	$459
Nationwide	$3563	$593

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 Berkeley are offered by Progressive at $368. However, it can be as expensive as $552 with companies like Shelter for a similar six-month premium.

Cheapest Car Insurance in Berkeley after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$368	$62
Travelers	$391	$65
American Family	$414	$71
State Farm	$459	$76
Shelter	$552	$94

Car Insurance Price Trends in Berkeley, Missouri

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 remained steady at $168 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Berkeley remained steady at $62 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Berkeley?

The car insurance in Berkeley is $37 per month, which is lower than the national average.

What is the cheapest car insurance in Berkeley?

The cheapest car insurance in Berkeley is $110 per month for full coverage.

How much is car insurance in Berkeley for teenagers?

Car insurance for teenagers costs $321 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 $981 for a six-month policy. It will cost around $213 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.

Cheapest Car Insurance Quotes in Berkeley

Why you can trust Way?

How Much Is Car Insurance in Berkeley

Avg. Car Insurance in Berkeley

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Berkeley

1st place: American Family

2nd place: Travelers

3rd place: USAA

Berkeley Car Insurance Rates by Company

Cheap Car Insurance Companies in Berkeley, MO

Way's key takeaways about car insurance in Berkeley

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Berkeley

Cheapest Liability Coverage in Berkeley, MO

Cheapest Full Coverage Car Insurance in Berkeley

Cheapest Full Coverage Car Insurance Quotes in Berkeley, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Berkeley by Rating Factor

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

Car Insurance Premiums by Age in Berkeley

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Berkeley,MO

If you are in your twenties N/A is the best choice for car insurance in Berkeley.

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 Berkeley

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

Berkeley Car Insurance Rates by Violation

Berkeley auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Berkeley after a DUI

Berkeley car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Berkeley after Speeding ticket

Car Insurance Price Trends in Berkeley, Missouri

Average Car Insurance Cost in Berkeley by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Berkeley, MO

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

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