You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the technical advice and tools needed to succeed throughout life ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the lector. Our goal is to give you the best advice to help you make chic personal finance decisions. We follow rigorous guidelines to ensure that our editorial capacity is not influenced by advertisers. Our column team receives no direct compensation from advertisers, and our contentedness is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and dependable information. We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in stead to ensure that happens. Our editors and reporters thoroughly fact-check editorial contentedness to ensure the information you ’ rhenium read is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ ra putting your interests first. Our award-winning editors and reporters create honest and accurate subject to help you make the correctly fiscal decisions. All providers discussed on our locate are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ ra putting accuracy first. Our indemnity team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer military service, policy features and savings opportunities — sol you can feel confident about which supplier is veracious for you. Bankrate follows a rigid column policy, so you can trust that we ’ ra putting your interests first. All of our capacity is authored by highly qualified professionals and reviewed by subject matter experts, who ensure everything we publish is objective, accurate and worthy of your trust. Founded in 1976, Bankrate has a long traverse commemorate of helping people make smart fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making serve and giving people confidence in which actions to take adjacent. While we adhere to strict editorial integrity, this post may contain references to products from our partners. here ‘s an explanation for how we make money. This content is powered by HomeInsurance.com ( NPN : 8781838 ). For more information, please see our Insurance disclosure. Berkeley and its adjacent San Francisco and Oakland have the third-highest fink vitamin e of commuters who use public transit. about 19 % of area residents elect to leave their cars home. however, many drivers are however on the road, often causing base hit issues between pedestrians, bicyclists and drivers. For this reason, many people want to have the best but low-cost policy they can find. The average cost of car policy in Berkeley is $ 743 for minimum cable car indemnity and $ 2,109 for full coverage. Car indemnity Berkeley rates are high for the State of California. fortunately, you may be able to find cheap cable car policy when you get quotes from Bankrate ’ south choice of the best cable car policy companies in Berkeley. To narrow the long number of car insurance carriers available in the sphere, we examined quoted premiums, customer ratings and policy options to bring you the best car policy in Berkeley .
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.
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.
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.
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 .