Cheapest car insurance for drivers with an incident
A few examples of incidents that can increase your car insurance rates include at-fault accidents, speeding tickets, and driving under the influence (DUI) convictions. Berkeley drivers with clean records usually land the cheapest premiums because auto insurance companies see them as having a lower risk of loss.
On the other hand, insurance companies tend to charge the highest rates to high-risk drivers to offset the potential loss in claims. To save as much money as possible on a policy, do your best to drive safely at all times and prevent these incidents. Here are the average car insurance quotes in Berkeley based on driving history.
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
In 2023, Berkeley police cited 175 drivers for unsafe speed.[1] Speeding increases your risk of being involved in an accident. As a result, Berkeley drivers with speeding tickets tend to pay more for auto insurance coverage.
The average monthly cost of car insurance for Berkeley drivers with speeding tickets is $327 for full coverage and $176 for minimum coverage. The following table illustrates how top insurers for Berkeley charge drivers with speeding infractions more for liability-only insurance policies.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
| | |
|---|
| Mile Auto | $54 | $69 |
|---|
| Sun Coast | $68 | $89 |
|---|
| Mercury | $85 | $114 |
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| Anchor | $91 | $113 |
|---|
| USAA | $105 | $131 |
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| National General | $119 | $149 |
|---|
| GEICO | $139 | $173 |
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| Direct Auto | $140 | $174 |
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| Allstate | $145 | $181 |
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| Farmers | $149 | $185 |
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| State Farm | $161 | $199 |
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| Travelers | $169 | $213 |
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| 21st Century | $184 | $238 |
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| Bristol West | $202 | $252 |
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| Nationwide | $227 | $286 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
In 2020, Berkeley reported 357 injuries and fatalities from car accidents, which is a bit lower than other California cities with similar populations.[4] However, if you cause a car accident, insurers will view you as a greater risk on the road. As a result, your car insurance premiums will likely go up.[5]
Berkeley drivers with at-fault accidents face average car insurance rates of $303 per month for full-coverage policies and $163 for liability only. The table below shows the most affordable minimum-coverage quotes for Berkeley drivers with at-fault accidents on their records.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
| | |
|---|
| Mile Auto | $54 | $70 |
|---|
| Sun Coast | $68 | $83 |
|---|
| Mercury | $85 | $113 |
|---|
| Anchor | $91 | $121 |
|---|
| USAA | $105 | $130 |
|---|
| National General | $119 | $148 |
|---|
| GEICO | $139 | $172 |
|---|
| Direct Auto | $140 | $177 |
|---|
| Allstate | $145 | $179 |
|---|
| Farmers | $149 | $184 |
|---|
| State Farm | $161 | $198 |
|---|
| Travelers | $169 | $211 |
|---|
| 21st Century | $184 | $234 |
|---|
| Bristol West | $202 | $248 |
|---|
| Nationwide | $227 | $284 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
A DUI conviction in California usually leads to fines, jail time, and a license suspension. To reinstate your license after a DUI, you may need to file an SR-22 insurance form with the state and keep it on file for three to five years. During this time, your premiums will likely increase or you may struggle to find auto insurance coverage.
DUIs push Berkeley car insurance averages to $352 per month for full coverage and $190 for liability-only policies. The following table shows how a DUI charge increases liability quotes from top insurers in Berkeley.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
| | |
|---|
| Mile Auto | $54 | $83 |
|---|
| Sun Coast | $68 | $96 |
|---|
| Mercury | $85 | $118 |
|---|
| Anchor | $91 | $124 |
|---|
| USAA | $105 | $161 |
|---|
| National General | $119 | $182 |
|---|
| GEICO | $139 | $213 |
|---|
| Direct Auto | $140 | $215 |
|---|
| Allstate | $145 | $222 |
|---|
| Farmers | $149 | $228 |
|---|
| State Farm | $161 | $247 |
|---|
| Travelers | $169 | $259 |
|---|
| 21st Century | $184 | $282 |
|---|
| Bristol West | $202 | $310 |
|---|
| Nationwide | $227 | $348 |
|---|
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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