Berkeley Car Insurance

The Zebra
May 30, 2018

Car Insurance in Berkeley

California is recognized for its pricey premiums, as its mean rate is 20% greater than the national average. Premiums run even higher in the city, so it is especially critical to save while insuring a vehicle in Berkeley. Going over some ways to save on Berkeley car insurance can save you money.

  • City Average: $1,812
  • State Average: $1,713
  • National Average: $1,427

Berkeley Car Insurance by Accident or Violation History

By knowing which driving mishaps can make your car insurance premiums spike, you can make better decisions and save money. $3,308 is the additional cost per year for drivers with a DUI or reckless driving charge in Berkeley, compared to the city average of $1,812. In Berkeley, those who are found at-fault in an accident end up paying $1,039 more than the city average on car insurance each year.

  • DUI: $5,120
  • Reckless Driving: $5,120
  • At-fault Accident (damages less than $1000): $2,851
  • At-fault Accident (damages greater than $2000): $2,851
  • Speeding Ticket (16-20 mph over speed limit): $2,472

Berkeley Car Insurance by Age

The most significant decrease in premiums for Berkeley drivers happens when they hit their 20s. Once out of the teenage age range, drivers save, on average, $4,181 on car insurance. While car insurance premiums for drivers in Berkeley will continue to drop through their 60s, they should anticipate an increase when they hit 70. With average car insurance payments of $6,862, teenage drivers have the largest premiums of any age group. Drivers in their 60s save money on insurance premiums, as they have the lowest rates among all age groups, paying only $1,547 every year. However, people in their 50s ($1,592) aren’t paying significantly more.

  • Teenagers: $6,862
  • 20s: $2,680
  • 30s: $1,778
  • 40s: $1,720
  • 50s: $1,592
  • 60s: $1,547
  • 70s: $1,720

Berkeley Car Insurance by Marital Status

Car insurance premiums in Berkeley can be affected by driver traits such as marital status. Married individuals save roughly 4% per year on car insurance compared to those who are single. Rates for those who are widowed are moderately cheaper than rates for those who are single.

  • Female: $1,812
  • Male: $1,812
  • Single: $1,812
  • Married: $1,736
  • Divorced: $1,812
  • Widowed: $1,743

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when companies determine how much you'll pay for auto insurance.

* Insurance rates aren't affected by gender in Berkeley.

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