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How much is car insurance in Berkeley?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Berkeley are on par with what you would pay anywhere else in California.
If you're thinking of moving to Berkeley from out of state, you may still be in luck. It's about $25 cheaper than the national average to insure your vehicle in Berkeley.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the bill you'll see each month.
But don't worry, we've broken down the average rates for Berkeley residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you've spent on the road, the more experience you have. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay $31 more than drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates creep back up a bit in Berkeley.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Berkeley, this difference shakes out to about $5 a month. Looking at the table above, you can see that female drivers pay around $52 on average, while male drivers typically pay $57 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. In Berkeley, drivers with one accident on their record will experience rates around $57 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $82.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$52|
The most affordable vehicles to insure in Berkeley are typically SUVs, which run about $52 per month.
Car owners, on the other hand, usually pay around $55 per month, while truck and van drivers can expect to pay about $53 a month for car insurance coverage.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Berkeley are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$56|
More often than not, those who are currently married will pay slightly less for auto insurance coverage. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Berkeley is about $4 a month, with married couples paying less for coverage than single drivers.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$54|
One other element taken into consideration is your housing situation. If you rent your home or apartment in Berkeley, expect to pay around $11 a month more than if you own your home. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Berkeley, CA
Recent trends in car insurance for Berkeley drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
In Berkeley, car insurance rates went up from 2016-2017, when they reached a high of $64. This trend leveled out in 2018, when they began to decrease, and have continued moving in that direction through 2021, when car insurance rates hit a low of $45 per month.
How does Berkeley compare to neighboring areas?
Why are car insurance rates in Berkeley different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for a monthly rate. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:
- Rate of crime
- Local regulations
- Number of drivers in the area
- Number of car accidents
- Off-street parking access
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Berkeley?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Don't worry, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer coverage in Berkeley in no time.
Berkeley Insurance FAQs
What factors affect car insurance quotes in Berkeley?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Berkeley different from other neighboring cities?
Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Berkeley?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Berkeley?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Berkeley or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.