Cheapest and Best Car Insurance in Berkeley, CA (2023)

GEICO is the cheapest company in Berkeley, CA for minimum coverage car insurance based on the latest quotes for 2023. GEICO is also the best provider overall, balancing affordability and service quality.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Morgan Hull

The cheapest auto insurer for you may vary based on your profile and needs. GEICO is the cheapest for minimum coverage. GEICO also offers the best full coverage policies. National General offers the cheapest full coverage policies. It is also the cheapest for drivers with violations. State Farm is the cheapest provider for teens, while USAA is the cheapest option for drivers with a military background. Chubb is the best for customer service.

Cheapest + BestCar InsuranceBerkeley

2023

Cheapest and Best Car Insurance in Berkeley

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Berkeley

The cheapest auto insurance companies for a minimum coverage policy in Berkeley are:

GEICO: $322 per year
CSAA: $387 per year

Chubb is the least affordable company for minimum coverage at $738 per year. Car insurance rates can vary based on location.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$318	$27
GEICO	$322	$27
GEICO	$377	$31
CSAA	$387	$32
State Farm	$389	$32
CSAA	$394	$33
CSAA	$426	$35
Mercury	$452	$38
Mercury	$463	$39
Progressive	$495	$41
Progressive	$503	$42
State Farm	$513	$43
National General	$529	$44
Kemper	$533	$44
National General	$544	$45
Mercury	$563	$47
Hartford	$566	$47
Nationwide	$566	$47
State National	$570	$48
Travelers	$576	$48
Travelers	$576	$48
State Farm	$586	$49
State National	$587	$49
Nationwide	$587	$49
Progressive	$589	$49
Capital Insurance Group	$605	$50
Kemper	$614	$51
Farmers	$618	$51
Capital Insurance Group	$628	$52
Farmers	$637	$53
Hartford	$644	$54
National General	$651	$54
Travelers	$659	$55
Allstate	$661	$55
Allstate	$665	$55
State National	$694	$58
Capital Insurance Group	$702	$59
Allstate	$717	$60
Farmers	$724	$60
Chubb	$738	$61
Nationwide	$741	$62
Chubb	$760	$63
Kemper	$811	$68
Hartford	$827	$69
GEICO	$921	$77
State Farm	$929	$77
National General	$935	$78
National General	$947	$79
GEICO	$955	$80
Chubb	$1,054	$88
GEICO	$1,097	$91
National General	$1,132	$94
Progressive	$1,136	$95
Progressive	$1,139	$95
Allstate	$1,158	$96
State Farm	$1,191	$99
Mercury	$1,195	$100
CSAA	$1,198	$100
CSAA	$1,204	$100
Allstate	$1,218	$101
Mercury	$1,229	$102
Hartford	$1,251	$104
Capital Insurance Group	$1,290	$108
Nationwide	$1,297	$108
CSAA	$1,330	$111
Allstate	$1,348	$112
Progressive	$1,370	$114
Capital Insurance Group	$1,370	$114
State National	$1,390	$116
State Farm	$1,391	$116
Nationwide	$1,410	$118
Hartford	$1,434	$120
Travelers	$1,477	$123
State National	$1,504	$125
Kemper	$1,532	$128
Capital Insurance Group	$1,543	$129
Travelers	$1,547	$129
Farmers	$1,582	$132
Mercury	$1,590	$133
Farmers	$1,617	$135
Travelers	$1,833	$153
Nationwide	$1,840	$153
Hartford	$1,846	$154
Chubb	$1,851	$154
State National	$1,863	$155
Kemper	$1,902	$158
Chubb	$1,909	$159
Farmers	$1,918	$160
Kemper	$2,274	$190
Chubb	$2,720	$227

A minimum coverage policy only provides coverage for bodily injury liability and property damage liability as required by California law. The minimum liability limits mandated by law in California are:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

Liability coverage helps to cover the cost of injuries caused to others or their property in an accident. In California, a minimum coverage policy will pay a maximum of $15,000 per victim up to $30,000 per accident. Damages to property will only be covered up to a maximum of $5,000. The driver will bear the responsibility for additional costs exceeding these limits.

Cheapest Full Coverage Car Insurance in Berkeley

The following insurers offer the cheapest full coverage car insurance in Berkeley:

National General: $935 per year
GEICO: $955 per year

Chubb is the most expensive provider at $1,851 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$318	$27
GEICO	$322	$27
GEICO	$377	$31
CSAA	$387	$32
State Farm	$389	$32
CSAA	$394	$33
CSAA	$426	$35
Mercury	$452	$38
Mercury	$463	$39
Progressive	$495	$41
Progressive	$503	$42
State Farm	$513	$43
National General	$529	$44
Kemper	$533	$44
National General	$544	$45
Mercury	$563	$47
Hartford	$566	$47
Nationwide	$566	$47
State National	$570	$48
Travelers	$576	$48
Travelers	$576	$48
State Farm	$586	$49
State National	$587	$49
Nationwide	$587	$49
Progressive	$589	$49
Capital Insurance Group	$605	$50
Kemper	$614	$51
Farmers	$618	$51
Capital Insurance Group	$628	$52
Farmers	$637	$53
Hartford	$644	$54
National General	$651	$54
Travelers	$659	$55
Allstate	$661	$55
Allstate	$665	$55
State National	$694	$58
Capital Insurance Group	$702	$59
Allstate	$717	$60
Farmers	$724	$60
Chubb	$738	$61
Nationwide	$741	$62
Chubb	$760	$63
Kemper	$811	$68
Hartford	$827	$69
GEICO	$921	$77
State Farm	$929	$77
National General	$935	$78
National General	$947	$79
GEICO	$955	$80
Chubb	$1,054	$88
GEICO	$1,097	$91
National General	$1,132	$94
Progressive	$1,136	$95
Progressive	$1,139	$95
Allstate	$1,158	$96
State Farm	$1,191	$99
Mercury	$1,195	$100
CSAA	$1,198	$100
CSAA	$1,204	$100
Allstate	$1,218	$101
Mercury	$1,229	$102
Hartford	$1,251	$104
Capital Insurance Group	$1,290	$108
Nationwide	$1,297	$108
CSAA	$1,330	$111
Allstate	$1,348	$112
Progressive	$1,370	$114
Capital Insurance Group	$1,370	$114
State National	$1,390	$116
State Farm	$1,391	$116
Nationwide	$1,410	$118
Hartford	$1,434	$120
Travelers	$1,477	$123
State National	$1,504	$125
Kemper	$1,532	$128
Capital Insurance Group	$1,543	$129
Travelers	$1,547	$129
Farmers	$1,582	$132
Mercury	$1,590	$133
Farmers	$1,617	$135
Travelers	$1,833	$153
Nationwide	$1,840	$153
Hartford	$1,846	$154
Chubb	$1,851	$154
State National	$1,863	$155
Kemper	$1,902	$158
Chubb	$1,909	$159
Farmers	$1,918	$160
Kemper	$2,274	$190
Chubb	$2,720	$227

A full coverage policy includes comprehensive and collision insurance.

Collision Insurance: Covers damages to your vehicle following a collision or accident with an object or another vehicle
Comprehensive Insurance: Covers non-collision loss or damages to your vehicle such as theft or vandalism.

A full coverage policy may not be worth the extra cost for drivers with older vehicles, since the added cost may exceed the value of the car.

Cheapest Car Insurance in Berkeley After a Driving Offense

In Berkeley, the following insurers offer the cheapest full coverage policies for drivers with traffic violations:

Speeding ticket: National General ($980 per year)
At-fault accident: National General ($1,383 per year)
DUI: National General ($980 per year)

The most expensive insurers are Nationwide ($2,439 per year), Kemper ($3,366 per year) and Hartford ($5,161 per year) for drivers with a speeding ticket, at-fault accident or DUI offense, respectively.

Driving violations can significantly impact the cost of your insurance. Even the cheapest rates for a driver with a poor record will be more expensive than average-priced rates for drivers with clean records.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
CSAA	$481	$40
CSAA	$481	$40
GEICO	$483	$40
CSAA	$488	$41
CSAA	$488	$41
GEICO	$489	$41
CSAA	$529	$44
CSAA	$529	$44
National General	$558	$47
National General	$558	$47
GEICO	$570	$48
GEICO	$574	$48
National General	$575	$48
National General	$575	$48
GEICO	$577	$48
Mercury	$580	$48
State Farm	$590	$49
Mercury	$594	$50
State Farm	$616	$51
Capital Insurance Group	$669	$56
GEICO	$678	$57
National General	$687	$57
National General	$687	$57
Capital Insurance Group	$693	$58
Capital Insurance Group	$704	$59
Kemper	$709	$59
Mercury	$725	$60
Mercury	$726	$61
Capital Insurance Group	$728	$61
Mercury	$743	$62
GEICO	$757	$63
GEICO	$765	$64
Capital Insurance Group	$778	$65
State Farm	$780	$65
National General	$792	$66
State National	$806	$67
State National	$806	$67
Mercury	$806	$67
Hartford	$809	$67
Hartford	$809	$67
State Farm	$814	$68
National General	$816	$68
Kemper	$819	$68
Capital Insurance Group	$819	$68
Mercury	$825	$69
State National	$829	$69
State National	$829	$69
Farmers	$840	$70
Farmers	$840	$70
Farmers	$867	$72
Farmers	$867	$72
Nationwide	$874	$73
Travelers	$888	$74
Travelers	$889	$74
State Farm	$890	$74
Progressive	$890	$74
GEICO	$901	$75
Mercury	$907	$76
Nationwide	$908	$76
Progressive	$909	$76
Allstate	$923	$77
State Farm	$930	$77
Allstate	$931	$78
Hartford	$935	$78
Hartford	$935	$78
Chubb	$947	$79
Chubb	$970	$81
Nationwide	$972	$81
National General	$979	$82
National General	$980	$82
National General	$980	$82
Progressive	$984	$82
Farmers	$984	$82
Farmers	$984	$82
State National	$987	$82
State National	$987	$82
Travelers	$987	$82
Travelers	$989	$82
National General	$994	$83
National General	$994	$83
Progressive	$1,006	$84
Allstate	$1,008	$84
Mercury	$1,009	$84
Nationwide	$1,011	$84
Travelers	$1,025	$85
Capital Insurance Group	$1,048	$87
Farmers	$1,050	$88
Allstate	$1,064	$89
Allstate	$1,072	$89
Progressive	$1,073	$89
Progressive	$1,079	$90
Kemper	$1,082	$90
Farmers	$1,082	$90
Capital Insurance Group	$1,087	$91
Progressive	$1,107	$92
Travelers	$1,139	$95
Chubb	$1,150	$96
Nationwide	$1,151	$96
Allstate	$1,165	$97
Chubb	$1,172	$98
National General	$1,188	$99
National General	$1,188	$99
Progressive	$1,189	$99
Travelers	$1,194	$100
Travelers	$1,196	$100
Kemper	$1,211	$101
Kemper	$1,211	$101
State Farm	$1,216	$101
Capital Insurance Group	$1,221	$102
Hartford	$1,226	$102
Hartford	$1,226	$102
Farmers	$1,229	$102
Chubb	$1,264	$105
Nationwide	$1,284	$107
Progressive	$1,308	$109
CSAA	$1,318	$110
CSAA	$1,340	$112
GEICO	$1,375	$115
State Farm	$1,378	$115
National General	$1,383	$115
Travelers	$1,386	$115
National General	$1,401	$117
GEICO	$1,424	$119
State Farm	$1,444	$120
State National	$1,453	$121
CSAA	$1,455	$121
Chubb	$1,466	$122
Kemper	$1,472	$123
Kemper	$1,472	$123
Capital Insurance Group	$1,478	$123
Chubb	$1,487	$124
State National	$1,499	$125
Chubb	$1,509	$126
CSAA	$1,516	$126
CSAA	$1,516	$126
CSAA	$1,521	$127
CSAA	$1,521	$127
Capital Insurance Group	$1,521	$127
GEICO	$1,535	$128
Nationwide	$1,545	$129
Capital Insurance Group	$1,572	$131
Mercury	$1,575	$131
GEICO	$1,587	$132
State Farm	$1,606	$134
Nationwide	$1,608	$134
Capital Insurance Group	$1,617	$135
Mercury	$1,619	$135
GEICO	$1,638	$136
National General	$1,678	$140
CSAA	$1,682	$140
CSAA	$1,682	$140
Allstate	$1,682	$140
State Farm	$1,770	$147
Allstate	$1,772	$148
Capital Insurance Group	$1,773	$148
State National	$1,792	$149
Chubb	$1,803	$150
Capital Insurance Group	$1,824	$152
GEICO	$1,827	$152
State Farm	$1,834	$153
State Farm	$1,852	$154
Kemper	$1,853	$154
Kemper	$1,853	$154
Hartford	$1,855	$155
Hartford	$1,855	$155
Allstate	$1,908	$159
Hartford	$1,918	$160
Allstate	$1,926	$161
Allstate	$1,970	$164
Mercury	$1,972	$164
State National	$1,973	$164
State National	$1,973	$164
Nationwide	$2,010	$167
Mercury	$2,026	$169
Kemper	$2,035	$170
Nationwide	$2,048	$171
State Farm	$2,066	$172
Allstate	$2,082	$173
Allstate	$2,097	$175
Mercury	$2,101	$175
Mercury	$2,104	$175
State National	$2,136	$178
State National	$2,136	$178
Hartford	$2,138	$178
Hartford	$2,138	$178
Progressive	$2,145	$179
Mercury	$2,153	$179
Progressive	$2,155	$180
State Farm	$2,163	$180
GEICO	$2,168	$181
Farmers	$2,183	$182
Farmers	$2,183	$182
Nationwide	$2,187	$182
Allstate	$2,204	$184
Farmers	$2,232	$186
Farmers	$2,232	$186
Nationwide	$2,239	$187
Travelers	$2,244	$187
GEICO	$2,247	$187
Hartford	$2,253	$188
Capital Insurance Group	$2,311	$193
Progressive	$2,340	$195
Travelers	$2,344	$195
Progressive	$2,356	$196
Chubb	$2,429	$202
Nationwide	$2,439	$203
Capital Insurance Group	$2,458	$205
Allstate	$2,461	$205
Chubb	$2,485	$207
Travelers	$2,496	$208
Kemper	$2,528	$211
GEICO	$2,585	$215
Travelers	$2,599	$217
Progressive	$2,600	$217
Mercury	$2,630	$219
Farmers	$2,649	$221
Farmers	$2,649	$221
State National	$2,650	$221
State National	$2,650	$221
Progressive	$2,674	$223
Progressive	$2,695	$225
Farmers	$2,728	$227
Hartford	$2,774	$231
Capital Insurance Group	$2,774	$231
Hartford	$2,774	$231
Farmers	$2,789	$232
Mercury	$2,792	$233
Travelers	$2,801	$233
Progressive	$2,842	$237
State Farm	$2,850	$238
Nationwide	$2,864	$239
Chubb	$2,981	$248
Kemper	$3,026	$252
Hartford	$3,038	$253
Chubb	$3,040	$253
Travelers	$3,111	$259
Travelers	$3,119	$260
Nationwide	$3,198	$267
Progressive	$3,253	$271
Travelers	$3,262	$272
Chubb	$3,296	$275
Farmers	$3,311	$276
Kemper	$3,366	$280
Kemper	$3,366	$280
Nationwide	$3,563	$297
State Farm	$3,661	$305
Allstate	$3,661	$305
State National	$3,685	$307
Chubb	$3,855	$321
Allstate	$3,875	$323
Nationwide	$3,887	$324
Chubb	$3,908	$326
Travelers	$3,928	$327
Chubb	$3,967	$331
State National	$3,996	$333
CSAA	$4,267	$356
State Farm	$4,272	$356
Kemper	$4,285	$357
Kemper	$4,285	$357
CSAA	$4,286	$357
Allstate	$4,325	$360
Hartford	$4,439	$370
CSAA	$4,746	$395
Chubb	$4,783	$399
State National	$4,976	$415
Kemper	$5,014	$418
Kemper	$5,014	$418
Nationwide	$5,113	$426
Hartford	$5,161	$430
Hartford	$6,808	$567

Typically, insurance rates increase in proportion to the severity of the driver offense. For instance, drivers with a DUI offense will pay approximately $1,334 more per year than those with a speeding ticket in Berkeley. Although you may pay more, drivers can still find cheap car insurance with a bad driving record.

Cheapest Car Insurance in Berkeley for Teens and Their Families

The following insurers offer the most affordable car insurance in Berkeley for a 16-year-old teen on a family policy:

State Farm: $2,761 per year for male and female teens
GEICO: $2,717 per year for female teens and $2,865 for male teens

Nationwide is the most expensive provider for teens on a family policy at $5,128 per year for male and female teens. GEICO’s rates are higher for male teens than female teens. This happens because male teens are riskier to insure than female teens. However, this cost difference drops off in early adulthood.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,201	$1,917
GEICO	$1,229	$1,962
GEICO	$1,231	$2,161
GEICO	$1,245	$2,062
GEICO	$1,259	$2,010
GEICO	$1,266	$2,222
GEICO	$1,284	$2,348
GEICO	$1,300	$2,282
GEICO	$1,426	$2,117
GEICO	$1,473	$2,418
Capital Insurance Group	$1,706	$2,190
Capital Insurance Group	$1,706	$2,190
Allstate	$1,760	$2,854
Allstate	$1,760	$2,854
Progressive	$1,763	$2,823
Progressive	$1,763	$2,823
Nationwide	$1,783	$3,697
Nationwide	$1,783	$3,697
GEICO	$1,835	$3,078
Allstate	$1,842	$2,988
Allstate	$1,842	$2,988
State Farm	$1,872	$2,748
State Farm	$1,872	$2,748
Allstate	$1,889	$3,319
Allstate	$1,889	$3,319
GEICO	$1,907	$3,550
Allstate	$1,908	$3,095
Allstate	$1,908	$3,095
Progressive	$1,908	$3,056
Progressive	$1,908	$3,056
Capital Insurance Group	$1,942	$2,594
Capital Insurance Group	$1,942	$2,594
State Farm	$1,947	$2,858
State Farm	$1,947	$2,858
Nationwide	$1,954	$4,054
Nationwide	$1,954	$4,054
Kemper	$1,970	$3,959
Kemper	$1,970	$3,959
State Farm	$1,981	$3,101
State Farm	$1,981	$3,101
State Farm	$1,992	$2,924
State Farm	$1,992	$2,924
GEICO	$2,007	$2,981
Nationwide	$2,017	$4,637
Nationwide	$2,017	$4,637
Capital Insurance Group	$2,021	$2,594
Capital Insurance Group	$2,021	$2,594
Capital Insurance Group	$2,021	$2,594
Capital Insurance Group	$2,021	$2,594
Allstate	$2,025	$3,334
Allstate	$2,025	$3,334
Farmers	$2,028	$2,897
Farmers	$2,028	$2,897
Progressive	$2,042	$3,776
Progressive	$2,042	$3,776
Kemper	$2,080	$4,181
Kemper	$2,080	$4,181
GEICO	$2,087	$3,426
Nationwide	$2,095	$4,345
Nationwide	$2,095	$4,345
State Farm	$2,122	$3,161
State Farm	$2,122	$3,161
Progressive	$2,138	$3,423
Progressive	$2,138	$3,423
Kemper	$2,190	$4,916
Kemper	$2,190	$4,916
Travelers	$2,227	$3,032
Travelers	$2,227	$3,032
State Farm	$2,253	$3,521
State Farm	$2,253	$3,521
Capital Insurance Group	$2,255	$2,918
Capital Insurance Group	$2,255	$2,918
Kemper	$2,263	$4,547
Kemper	$2,263	$4,547
Farmers	$2,271	$3,361
Farmers	$2,271	$3,361
State Farm	$2,274	$3,387
State Farm	$2,274	$3,387
Travelers	$2,305	$3,139
Travelers	$2,305	$3,139
Allstate	$2,322	$4,250
Allstate	$2,322	$4,250
Capital Insurance Group	$2,338	$2,918
Capital Insurance Group	$2,338	$2,918
Travelers	$2,352	$3,369
Travelers	$2,352	$3,369
Farmers	$2,352	$3,361
Farmers	$2,352	$3,361
Farmers	$2,352	$3,361
Farmers	$2,352	$3,361
Allstate	$2,360	$3,887
Allstate	$2,360	$3,887
Nationwide	$2,361	$5,082
Nationwide	$2,361	$5,082
Travelers	$2,402	$3,271
Travelers	$2,402	$3,271
State Farm	$2,504	$4,464
State Farm	$2,504	$4,464
Capital Insurance Group	$2,504	$3,240
Capital Insurance Group	$2,504	$3,240
Progressive	$2,532	$4,142
Progressive	$2,532	$4,142
GEICO	$2,535	$4,451
Kemper	$2,536	$5,212
Kemper	$2,536	$5,212
Farmers	$2,540	$3,853
Farmers	$2,540	$3,853
Travelers	$2,624	$3,535
Travelers	$2,624	$3,535
State Farm	$2,654	$4,733
State Farm	$2,654	$4,733
GEICO	$2,657	$5,173
State Farm	$2,711	$5,303
State Farm	$2,711	$5,303
GEICO	$2,717	$4,969
Farmers	$2,745	$4,438
Farmers	$2,745	$4,438
Kemper	$2,747	$5,646
Kemper	$2,747	$5,646
Farmers	$2,771	$4,203
Farmers	$2,771	$4,203
Kemper	$2,771	$6,224
Kemper	$2,771	$6,224
GEICO	$2,787	$4,894
Travelers	$2,848	$4,079
Travelers	$2,848	$4,079
GEICO	$2,865	$5,848
Farmers	$2,890	$5,718
Farmers	$2,890	$5,718
Travelers	$2,891	$3,896
Travelers	$2,891	$3,896
Nationwide	$2,909	$7,026
Nationwide	$2,909	$7,026
GEICO	$2,934	$5,712
Farmers	$2,961	$5,981
Farmers	$2,961	$5,981
Farmers	$2,971	$5,877
Farmers	$2,971	$5,877
Allstate	$3,099	$6,111
Allstate	$3,099	$6,111
Nationwide	$3,103	$6,681
Nationwide	$3,103	$6,681
Progressive	$3,157	$5,861
Progressive	$3,157	$5,861
Allstate	$3,209	$6,438
Allstate	$3,209	$6,438
Capital Insurance Group	$3,214	$4,009
Capital Insurance Group	$3,214	$4,009
Capital Insurance Group	$3,214	$4,009
Capital Insurance Group	$3,214	$4,009
Capital Insurance Group	$3,214	$4,009
Capital Insurance Group	$3,214	$4,009
Allstate	$3,264	$6,438
Allstate	$3,264	$6,438
Progressive	$3,355	$5,487
Progressive	$3,355	$5,487
Progressive	$3,644	$7,451
Progressive	$3,644	$7,451
Progressive	$3,667	$7,517
Progressive	$3,667	$7,517
Progressive	$3,681	$7,528
Progressive	$3,681	$7,528
Travelers	$3,806	$5,143
Travelers	$3,806	$5,143
Travelers	$3,976	$5,373
Travelers	$3,976	$5,373
Travelers	$3,985	$5,639
Travelers	$3,985	$5,639
Kemper	$4,180	$8,499
Kemper	$4,180	$8,499
Nationwide	$4,419	$9,499
Nationwide	$4,419	$9,499
Kemper	$4,579	$9,311
Kemper	$4,579	$9,311
Kemper	$4,621	$10,378
Kemper	$4,621	$10,378
Nationwide	$4,969	$10,681
Nationwide	$4,969	$10,681
Nationwide	$5,128	$12,891
Nationwide	$5,128	$12,891

Car insurance rates for teens are significantly more expensive when they purchase an individual car insurance policy instead of joining a family policy. In Berkeley, a 16-year-old male teen could save up to $673 per year by joining a family policy instead of purchasing an individual policy. To save more, families can compare insurers to get the cheapest car insurance for teenagers.

Cheapest Car Insurance in Berkeley for Military Drivers

In Berkeley, military drivers will get the cheapest full coverage policies from these insurers:

USAA: $879 per year
National General: $935 per year

GEICO is the cheapest option for minimum coverage at $322 per year, and USAA is the second cheapest at $376 per year. USAA offers cheap military car insurance for both minimum and full coverage policies, but National General is only cheap for full coverage and is relatively expensive for minimum coverage at $529 per year.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$318	$27
GEICO	$322	$27
USAA	$376	$31
USAA	$376	$31
GEICO	$377	$31
CSAA	$387	$32
State Farm	$389	$32
CSAA	$394	$33
CSAA	$426	$35
Mercury	$452	$38
USAA	$455	$38
Mercury	$463	$39
Progressive	$495	$41
Progressive	$503	$42
State Farm	$513	$43
National General	$529	$44
Kemper	$533	$44
National General	$544	$45
Mercury	$563	$47
Nationwide	$566	$47
Hartford	$566	$47
State National	$570	$48
Travelers	$576	$48
Travelers	$576	$48
State Farm	$586	$49
State National	$587	$49
Nationwide	$587	$49
Progressive	$589	$49
Capital Insurance Group	$605	$50
Kemper	$614	$51
Farmers	$618	$51
Capital Insurance Group	$628	$52
Farmers	$637	$53
Hartford	$644	$54
National General	$651	$54
Travelers	$659	$55
Allstate	$661	$55
Allstate	$665	$55
State National	$694	$58
Capital Insurance Group	$702	$59
Allstate	$717	$60
Farmers	$724	$60
Chubb	$738	$61
Nationwide	$741	$62
Chubb	$760	$63
Kemper	$811	$68
Hartford	$827	$69
USAA	$856	$71
USAA	$879	$73
GEICO	$921	$77
State Farm	$929	$77
National General	$935	$78
National General	$947	$79
GEICO	$955	$80
USAA	$1,052	$88
Chubb	$1,054	$88
GEICO	$1,097	$91
National General	$1,132	$94
Progressive	$1,136	$95
Progressive	$1,139	$95
Allstate	$1,158	$96
State Farm	$1,191	$99
Mercury	$1,195	$100
CSAA	$1,198	$100
CSAA	$1,204	$100
Allstate	$1,218	$101
Mercury	$1,229	$102
Hartford	$1,251	$104
Capital Insurance Group	$1,290	$108
Nationwide	$1,297	$108
CSAA	$1,330	$111
Allstate	$1,348	$112
Progressive	$1,370	$114
Capital Insurance Group	$1,370	$114
State National	$1,390	$116
State Farm	$1,391	$116
Nationwide	$1,410	$118
Hartford	$1,434	$120
Travelers	$1,477	$123
State National	$1,504	$125
Kemper	$1,532	$128
Capital Insurance Group	$1,543	$129
Travelers	$1,547	$129
Farmers	$1,582	$132
Mercury	$1,590	$133
Farmers	$1,617	$135
Travelers	$1,833	$153
Nationwide	$1,840	$153
Hartford	$1,846	$154
Chubb	$1,851	$154
State National	$1,863	$155
Kemper	$1,902	$158
Chubb	$1,909	$159
Farmers	$1,918	$160
Kemper	$2,274	$190
Chubb	$2,720	$227

How to Compare Cheap Berkeley Car Insurance Quotes Online

Car insurance quotes are obtainable online, but inputting the personal information required for a single quote can take up to 15 minutes. When comparing multiple providers, this time adds up. You can quickly get an estimate using MoneyGeek’s car insurance calculator by simply inputting your age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

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on average

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Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Berkeley: Summary

The best car insurance provider for you will depend on how you prioritize factors like cost, service and coverage. The best car insurance companies in Berkeley, CA, are:

Best overall: GEICO (MoneyGeek score of 75 out of 100)
Best for service: Chubb (MoneyGeek score of 76 out of 100)
Best cheap: GEICO (MoneyGeek score of 78 out of 100)

A company’s overall MoneyGeek score may vary based on the factors weighted in that category. Although GEICO is the best company overall in Berkeley, it is not the best auto insurance company in California — CSAA earned the top spot in the state with a MoneyGeek score of 63 out of 100. USAA received a MoneyGeek score of 85 out of 100 and is the top car insurance provider in Berkeley for eligible drivers.

Best Overall Car Insurance in Berkeley

The following insurers offer the best full coverage policies in Berkeley:

GEICO: MoneyGeek score of 75 out of 100 ($955 per year)
National General: MoneyGeek score of 68 out of 100 ($935 per year)

GEICO received high scores in affordability and customer satisfaction. This means that policyholders can expect good service at an affordable rate. USAA, with a MoneyGeek score of 85 out of 100, is the best insurer in Berkeley for drivers with a military background.

pros

Has high affordability and customer satisfaction ratings

Offers mechanical breakdown insurance

Offers classic car insurance

cons

Has a below-average claims management rating

COMPANY HIGHLIGHTS

GEICO offers the second-cheapest rates in Berkeley and provides top-notch customer service. It offers a broad set of coverage options, so this provider is a good option if you’re looking for a mix of quality service, coverage and affordability.

Policyholders can get GEICO's Mechanical Breakdown Insurance (MBI) to cover all parts and systems in their vehicle, including those not covered by a dealer warranty. MBI offers more coverage at cheaper rates, but your car needs to be new — vehicles must be less than 15 months old or have fewer than 15,000 miles.

Drivers with antique or classic cars can also opt for the classic car insurance policy. This provides coverages similar to a standard policy, such as liability and medical coverage. Basic coverages like roadside assistance, rental car and/or travel reimbursement are also available. These cover costs incurred when your car breaks down.

Read MoneyGeek's GEICO Auto Insurance Review

Best Car Insurance in Berkeley for Customer Service

Excluding cost as a factor, the best car insurance companies for customer service in Berkeley are:

Chubb: MoneyGeek score of 76 out of 100 ($1,851 per year)
Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,370 per year)

Of the 14 providers we ranked, Chubb has the highest claims management and customer satisfaction rating. However, Chubb’s full coverage policy is the most expensive.

pros

Has the highest claims management rating

Has the highest customer satisfaction score

Offers original equipment manufacturer (OEM) coverage

cons

Does not provide roadside assistance coverage

COMPANY HIGHLIGHTS

Chubb’s excellent claims experience and customer service track record make it the best option for Berkeley drivers who prioritize coverage over cost.

Chubb offers optional original equipment manufacturer (OEM) coverage. This protects your investment by ensuring that if your vehicle is damaged, only original manufacturer parts will be used to replace the damaged parts. Diminished value coverage is also available for drivers that want to be reimbursed for loss or damages based on the value of their car that was determined when they took out a policy.

If you have a classic or an antique car, Chubb’s classic car insurance is a good option since it offers coverage for limited edition vehicles and those vehicles older than 30 years. Chubb does not offer roadside assistance as an add-on option, but you can get rental car and/or travel reimbursement coverage.

Best Cheap Car Insurance Companies in Berkeley

The following are the best cheap car insurance companies in Berkeley based on affordability and service quality for policies that only meet California’s minimum coverage requirements are:

GEICO: MoneyGeek score of 78 out of 100 ($322 per year)
CSAA: MoneyGeek score of 62 out of 100 ($387 per year)

Minimum coverage policies are the least expensive, but they also offer the lowest amount of coverage and won’t pay for damages to your own car.

pros

Cheapest minimum coverage at $322 per year

Offers multiple car, safe driving and vehicle equipment discounts

Has a high customer satisfaction rating

cons

Has a below-average claims rating

COMPANY HIGHLIGHTS

If you are on a budget, GEICO offers the most affordable minimum coverage policy without compromising service quality. It ranks first for affordability and has a high customer satisfaction score.

GEICO’s discount opportunities makes it easy to save even more on your premiums. Policyholders can take advantage of common discounts such as its multiple car and safe driving discounts. By insuring multiple cars through GEICO, you can receive a discount. Savings are also available if you remain accident-free for five or more years. Students who maintain a good academic record are eligible for a good student discount.

GEICO also offers unique discounts for installing safety equipment in your car, such as daytime running lights, anti-lock brakes or an anti-theft system. Members of certain organizations also qualify for discounts including teachers, federal employees and those in the military.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Berkeley

The average cost of car insurance in Berkeley is $1,342 per year as of October 2022. Compared to average car insurance rates in California, Berkeley drivers pay $45 less for car insurance. However, rates in the city are still up to $122 higher than the national average cost of car insurance at $1,265 per year. This shows how location can impact the cost of your insurance.

The rates included above are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 property damage liability per accident.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance in Berkeley, CA (2023)

On This Page:

Cheapest Minimum Liability Car Insurance in Berkeley

Cheapest Full Coverage Car Insurance in Berkeley

Cheapest Car Insurance in Berkeley After a Driving Offense

Cheapest Car Insurance in Berkeley for Teens and Their Families

Cheapest Car Insurance in Berkeley for Military Drivers

How to Compare Cheap Berkeley Car Insurance Quotes Online

Best Car Insurance in Berkeley: Summary

Best Overall Car Insurance in Berkeley

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Berkeley for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Berkeley

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Berkeley