Best Cheap Car Insurance in Berkeley for 2022 | Bankrate

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Best car insurance companies in Berkeley

The following four cable car policy companies provide cheap car insurance and timbre coverage .

Insurance company J.D. Power customer satisfaction score
(California region)
Average annual premium for minimum coverage Average annual premium for full coverage
Geico 828 / 1,000 $466 $1,408
AAA 848 / 1,000 $520 $2,117
Grange Not rated $544 $2,105
Mercury Not rated $641 $1,708

Geico

Geico is known for providing low-cost car indemnity rates while still maintaining a high level of customer service. Geico ’ south average rates for Berkeley car owners are the lowest of all carriers for both basic and full moon car insurance. One of the independent reasons Geico car policy rates are then gloomy is the discounts the mailman offers. You could get a discount rate based on your occupation, such as military personnel or an employee of a participate affinity course of study. In addition, you could save on coverage when you qualify through automatic payments, vehicle base hit equipment, safe drive or being a good scholar.

Learn more : Geico Insurance inspection

AAA

Members of AAA have access to award-winning wayside aid, dedicated DMV and travel services and car policy. For frequent road trippers, the public toilet of having all your vehicle needs handled by one company can be a big sell point. In summation, AAA ’ s minimum car insurance in Berkeley is only $ 520 per year. If the annual club membership fee of $ 56 to $ 119 does not affect your budget, you will have entree to one of the most comprehensive levels of vehicle-related services around. Learn more : AAA Insurance review

Grange

Grange Insurance is not adenine large as the early carriers that made the “ best car indemnity in Berkeley ” tilt. Its smaller size may mean that Grange is able of being more creative with its coverage and discounts. Recently-divorced Berkeley residents may be able to qualify for Grange Insurance ’ s New Beginning dismiss. It is designed to give disassociate individuals a fiscal break until they get their life back in orderliness. Another means to get a new begin with Grange is through its OnTrack Program. Downloading the app and enabling driver track could save you money on your car insurance if you drive safely. Learn more : Grange Insurance Review

Mercury

Mercury Insurance is well-known in California for providing fomite owners with low-cost coverage despite being labeled as bad drivers. coverage may be no-frills, but drivers who would have fuss finding vehicle policy due to a series of moving violations, DUIs or accidents may be okay with basic coverage. Although Mercury is best known for minimal car indemnity, full coverage from the Los-Angeles based insurance supplier is besides available. It is the second-cheapest of all Berkeley indemnity companies. Rates average $ 1,708 per year. Learn more : Mercury Insurance review

Cheapest car insurance in Berkeley

Bankrate ’ randomness study on quote car policy premiums delivered a list of the cheapest cable car policy companies in Berkeley based on market parcel. The right cable car policy company can make a large difference on how much car policy will cost you. California ’ south average annual full insurance premiums of $ 733/ $ 2,065 are higher than the nationally average of $ 1,674. Berkeley ’ second modal agio is $ 743/ $ 2,109. Take a spirit at the following cheap car indemnity companies in Berkeley :

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $466 $1,408
AAA $520 $2,117
Mercury $641 $1,708
State Farm $645 $1,830
Progressive $667 $1,720

Geico Insurance provides the lowest rates for minimum or full cable car indemnity. Mercury is the second cheap carrier for full moon coverage and a good option for bad drivers in indigence of low-cost coverage. Members of AAA get plenty of perks with their membership fee, such as DMV services, travel discounts and low-cost car insurance. State Farm and Progressive have optional coverages that may be worth the extra fees, such as rideshare indemnity .

Berkeley insurance requirements

All car owners in California must have a minimum sum of indebtedness policy :

  • $5,000 for property damage
  • $15,000 in death/bodily injury per person
  • $30,000 in death/bodily injury per accident

The minimum amount may be a start point but may not be enough coverage. In fact, leasing a vehicle or finance it will probably mean you will need to upgrade your car policy to full coverage. minimum car policy merely pays for damages to others. Full cable car indemnity adds fiscal protection for your car american samoa well, in case of an accident, fire, larceny or extreme point weather .

Car insurance discounts in Berkeley

even the smallest of price breaks on your Berkeley car indemnity can mean significant savings over time. Some discounts worth considering are :

  • Defensive driving course: You could improve your driving skills and potentially earn a discount for up to three years after completing an online defensive driving course approved by your insurance company.
  • Multi-car: Bundling more than one vehicle into a car insurance policy could reduce your premiums.
  • Low mileage: If you make it a habit to walk or use public transportation, you could save money for driving less.
  • Safety equipment: The latest-model vehicles equipped with advanced accident prevention systems may qualify for lower rates. So may vehicles with airbags and anti-lock brakes.

Taking a defensive drive course may provide you with the largest discount rate simply because the savings can continue for more than one class. Bundling multiple cars into one policy may besides bring you significant savings .

Frequently asked questions

What is the best car insurance company?

The best car indemnity company is much a personal decision that depends on what you are after. For some drivers, brassy coverage makes a company the best. Geico, AAA and Mercury have the lowest average rates in Berkeley. For a range of coverage options, consider State Farm. Research providers to determine which is the best burst for you .

How much car insurance do I need in Berkeley?

To legally drive you will need liability policy for at least $ 5,000 in property damage, $ 15,000 in death/bodily injury per person and $ 30,000 per accident. You may need to upgrade to broad car policy coverage, particularly if you drive a newer-model fomite or finance or lease your car.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean drive record, well credit and the follow full coverage limits :

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimal coverage limits, Bankrate used minimal coverages that meet each state ’ mho requirements. Our sample drivers own a 2019 Toyota Camry, permute five days a week and drive 12,000 miles annually. These are sample rates and should be used for relative purposes only. Your quotes may be unlike .

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