How much is Auto Insurance in Berkeley?
For a male driver living in Berkeley, if he has 5 years of driving experience with a clean driving record, and drives a Honda Accord for about 13,000 miles per year, you can scroll down to see the auto insurance premiums charged by the insurance companies before any discount is applied. As you can see, the range is pretty wide.
Estimated Auto Insurance Premiums in Berkeley
As you can see, the prices vary quite a lot in Berkeley. If you're wondering what's the best option for you, click here to get free insurance quotes today.
What does Auto Insurance cover?
While each state has its different regulations for auto insurance, there are six basic types of coverage. Below is what you need to know. Click here to read more about the auto insurance liability.
Bodily Injury Liability
If you hit someone, you’d be responsible for the injured person’s medical bills, lost wages, plus pain and suffering. In addition, if sued, you would likely have to pay a hefty legal bill. With so many highly-paid professionals driving in the Bay Area, $50K may not be enough. (The per occurrence coverage is less relevant because most cars on the road have only one person in it.) So we recommend carrying at least $100K-per-person.Property Damage Liability
With so many Tesla’s and other luxury cars on the road in the Bay Area, damaging one of them could easily generate a loss of over $50K, costing potentially tens of thousands out of your pocket. So we recommend carrying a $100K coverage. The good news is that doubling this coverage from $50K to $100K cost you almost nothing.Uninsured/Underinsured Motorist
1 out of 7 drivers on the road are uninsured. They typically don’t have much asset. Collecting from them could take years. With this coverage, your own insurance pays you immediately if you are hit by an uninsured/underinsured driver. This is a vital yet inexpensive protection for yourself and your family.
What discounts are available for Auto Insurance?
Most carriers provide various discounts for renters insurance as well just like for auto insurance. Here are some most common discounts. You can also check this blog for more details.
| Discount | Description |
|---|---|
| Multi-Car | When you insure more than one car in your policies, usually you can get a multi-car discount for each of them. In another word, it's better to insure all the vehicles in the same policy instead of putting them in separate policies. |
| Multi-Policy | If you purchase multiple policies from the same company, you can often get a multiple policy discount. For example, if you already have auto insurance from a company and then you purchase the renters policy from them, you can get a discount on your auto insurance about 5-15% depending on the company or state. However, it doesn't mean you should always purchase all policies from the same company because sometimes the saving you can get to buy a standalone renters insurance policy is even higher than the discount for the multi-policy. |
| Education and Profession | There're two types of education discounts. One is for the degree you earned. The other is for the college you graduated from which is not available in all the insurance companies. For some advanced professions, you can get a decent discount of 10-15% which may require verification from your employer. |
| Anti-theft/Anti-lock Brakes/Airbags | Most companies can give you a discount on the comprehensive proportion of the premium if you have security-related features such as install an alarm, anti-theft, steering wheel locking or anti-lock brakes. |
| Good Driver | If you don't have any record of violation or accident during the last three or five years, you're considered as a good driver for most companies. This is also one of the best discounts in most companies. |
| Good Student | For a student who maintains an average grade of B or above can receive a significant discount on their insurance premium. Although, the premium maybe still high because students usually don't have lengthy driving experience. |
| Standard Risk | Every insurance company manages its risk differently. But in general, there're standard risks for auto insurance including No tickets or no accidents within a specific period, no drivers under 25 years old or over the age of 65, no high-performance vehicles. |
| Paperless | A few carriers even provide paperless discounts. But more and more new insurance carriers do not offer it probably because the overall cost has already been saved. |
Click here to start a free and personalized insurance quote to compare all the discounts.
What factors impact the cost of Auto Insurance?
- Age
- Gender
- Driving records
- Annual mileage
- Profession
- Education background
- Bundling of multi cars
- Bundling of auto and home policies
- Features of the car (e.g. anti-theft devices)
Curious about Auto insurance in neighboring cities?
Auto Insurance for All cities in California
We also generated a report for all cities in California.