Alameda, CA Auto Insurance (2023)
The average Alameda, CA auto insurance rates are $316 per month. The minimum auto insurance in Alameda is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Alameda, California, compare quotes from multiple companies.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Alameda is Progressive
- The average commute length in Alameda is 34.6 minutes
- The most expensive auto insurance company in Alameda for teen drivers is Farmers
Alameda, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Alameda can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Alameda, California, including driving record, credit, commute time, and more.
Compare auto insurance in Alameda to other California cities, including San Diego auto insurance rates, Anaheim auto insurance rates, and Los Angeles auto insurance rates to see how Alameda, California auto insurance rates stack up.
Before you buy Alameda, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Alameda, California auto insurance quotes.
Minimum Auto Insurance in Alameda, California
Alameda, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Alameda, California.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Cheap Alameda, California Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Alameda, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,455 | $3,471 | $2,496 | $2,541 | $9,575 | $12,088 | $4,499 | $5,009 |
| Farmers | $2,877 | $2,877 | $2,596 | $2,596 | $9,239 | $15,188 | $3,416 | $3,810 |
| Geico | $1,654 | $1,655 | $1,556 | $1,556 | $5,040 | $5,125 | $2,376 | $2,428 |
| Liberty Mutual | $2,383 | $2,263 | $2,211 | $2,145 | $5,268 | $5,574 | $2,698 | $2,709 |
| Nationwide | $3,278 | $3,129 | $2,866 | $2,701 | $8,353 | $9,217 | $3,916 | $3,870 |
| Progressive | $1,533 | $1,576 | $1,309 | $1,548 | $4,072 | $4,893 | $2,203 | $2,364 |
| State Farm | $3,288 | $3,288 | $2,938 | $2,938 | $6,046 | $7,495 | $3,640 | $3,754 |
| Travelers | $2,689 | $2,604 | $2,373 | $2,346 | $5,577 | $6,420 | $3,515 | $3,441 |
| USAA | $1,927 | $1,827 | $1,877 | $1,886 | $4,411 | $4,438 | $2,668 | $2,523 |
Cheap Alameda, California Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Alameda, California is a challenge. Take a look at the annual teen auto insurance rates in Alameda, California.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,575 | $12,088 |
| Farmers | $9,239 | $15,188 |
| Geico | $5,040 | $5,125 |
| Liberty Mutual | $5,268 | $5,574 |
| Nationwide | $8,353 | $9,217 |
| Progressive | $4,072 | $4,893 |
| State Farm | $6,046 | $7,495 |
| Travelers | $5,577 | $6,420 |
| USAA | $4,411 | $4,438 |
Cheap Alameda, California Auto Insurance for Seniors
What are senior auto insurance rates in Alameda, California? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,496 | $2,541 |
| Farmers | $2,596 | $2,596 |
| Geico | $1,556 | $1,556 |
| Liberty Mutual | $2,211 | $2,145 |
| Nationwide | $2,866 | $2,701 |
| Progressive | $1,309 | $1,548 |
| State Farm | $2,938 | $2,938 |
| Travelers | $2,373 | $2,346 |
| USAA | $1,877 | $1,886 |
Cheap Alameda, California Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Alameda, California compared to the annual auto insurance rates with a clean record in Alameda, California.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,220 | $5,499 | $8,600 | $4,248 |
| Farmers | $3,933 | $5,359 | $6,681 | $5,325 |
| Geico | $1,870 | $2,886 | $3,619 | $2,319 |
| Liberty Mutual | $2,740 | $3,672 | $3,310 | $2,903 |
| Nationwide | $3,256 | $4,173 | $7,062 | $4,173 |
| Progressive | $1,599 | $2,713 | $3,135 | $2,302 |
| State Farm | $2,977 | $3,552 | $6,710 | $3,456 |
| Travelers | $2,410 | $3,929 | $4,591 | $3,553 |
| USAA | $1,790 | $2,666 | $4,361 | $1,961 |
Cheap Alameda, California Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Alameda, California is not easy. Compare the annual rates for DUI auto insurance in Alameda, California to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,600 |
| Farmers | $6,681 |
| Geico | $3,619 |
| Liberty Mutual | $3,310 |
| Nationwide | $7,062 |
| Progressive | $3,135 |
| State Farm | $6,710 |
| Travelers | $4,591 |
| USAA | $4,361 |
Cheap Alameda, California Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Alameda, California can vary. Compare the annual cost of auto insurance by ZIP code in Alameda, California to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 94501 | $5,217 |
| 94502 | $5,187 |
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Cheap Alameda, California Auto Insurance Rates By Commute
Commute length and annual mileage affect Alameda, California auto insurance. Find the cheapest annual Alameda, California auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,865 | $5,918 |
| Farmers | $4,831 | $5,818 |
| Geico | $2,429 | $2,919 |
| Liberty Mutual | $2,898 | $3,414 |
| Nationwide | $4,119 | $5,213 |
| Progressive | $2,211 | $2,663 |
| State Farm | $4,022 | $4,325 |
| Travelers | $3,251 | $3,990 |
| USAA | $2,483 | $2,906 |
Cheap Alameda, California Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Alameda, California? Check out the comparison of annual Alameda, California auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,147 | $5,432 | $5,596 |
| Farmers | $4,979 | $5,365 | $5,630 |
| Geico | $2,449 | $2,704 | $2,868 |
| Liberty Mutual | $2,964 | $3,182 | $3,322 |
| Nationwide | $4,205 | $4,748 | $5,046 |
| Progressive | $2,174 | $2,515 | $2,622 |
| State Farm | $3,779 | $4,241 | $4,500 |
| Travelers | $3,191 | $3,716 | $3,956 |
| USAA | $2,444 | $2,747 | $2,893 |
Best By Category: Cheapest Auto Insurance in Alameda, California
Compare the cheapest auto insurance companies in Alameda, California in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Progressive |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
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The Cheapest Alameda, California Auto Insurance Companies
What auto insurance companies in Alameda, California are the cheapest? Compare the top Alameda, California auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,392 |
| Farmers | $5,325 |
| Geico | $2,674 |
| Liberty Mutual | $3,156 |
| Nationwide | $4,666 |
| Progressive | $2,437 |
| State Farm | $4,174 |
| Travelers | $3,621 |
| USAA | $2,695 |
What affects auto insurance rates in Alameda, California?
There are a lot of reasons why auto insurance rates in Alameda, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Alameda, California. Many local factors may affect your Alameda auto insurance rates.
Alameda Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Alameda, California auto theft statistics, there have been 351 auto thefts in the city.
Alameda Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Alameda, California commute length is 34.6 minutes according to City-Data.
Compare Alameda, California Auto Insurance Quotes
Before you buy Alameda, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Alameda, California auto insurance quotes.
Frequently Asked Questions
Do I need auto insurance in Alameda, CA?
Yes, auto insurance is required by law in Alameda, CA, as it is in the rest of California. All drivers must carry at least the minimum required auto insurance coverage to legally operate a vehicle on the roads.
What is the minimum auto insurance coverage required in Alameda, CA?
In Alameda, CA, the minimum auto insurance coverage required is typically referred to as “15/30/5” coverage. This means you must have at least $15,000 in bodily injury liability coverage per person, $30,000 in bodily injury liability coverage per accident, and $5,000 in property damage liability coverage.
What other types of auto insurance coverage should I consider in Alameda, CA?
While the minimum required coverage provides basic liability protection, it’s often recommended to consider additional coverage options for better protection. Some common types of additional coverage to consider in Alameda, CA include comprehensive coverage, collision coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP).
Are there any specific factors that can affect my auto insurance rates in Alameda, CA?
Several factors can influence your auto insurance rates in Alameda, CA. These factors typically include your driving record, age, gender, the type of vehicle you drive, your location in Alameda, your credit history, and the coverage options you choose. Insurance companies also consider local factors such as the frequency of accidents and thefts in the area.
Can I get discounts on my auto insurance in Alameda, CA?
Yes, many insurance companies offer various discounts that can help reduce your auto insurance premiums in Alameda, CA. Common discounts include safe driver discounts, multi-policy discounts, discounts for certain safety features in your vehicle, and discounts for completing defensive driving courses. It’s best to inquire about available discounts with your insurance provider.
How can I find affordable auto insurance in Alameda, CA?
To find affordable auto insurance in Alameda, CA, it’s recommended to compare quotes from multiple insurance providers. You can request quotes online or contact insurance agents directly. Maintaining a good driving record, choosing a vehicle with good safety ratings, and opting for higher deductibles can help lower your insurance premiums.
Can I get coverage for rental cars in Alameda, CA?
Yes, you can typically add rental car coverage to your auto insurance policy in Alameda, CA. This coverage, often called “Rental Reimbursement Coverage,” helps pay for the cost of renting a replacement vehicle while your car is being repaired due to a covered claim. It’s important to review your policy or contact your insurance provider to understand the details and cost of adding rental car coverage.
How do I file an auto insurance claim in Alameda, CA?
To file an auto insurance claim in Alameda, CA, you should contact your insurance provider’s claims department. They will guide you through the process and provide you with the necessary forms and information required for the claim. It’s important to have relevant details about the incident, such as the date, time, and location of the accident, as well as any supporting documentation or photographs.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Tracey L. Wells
Licensed Insurance Agent & Agency Owner
Tracey L. Wells is a licensed insurance agent and Farmers insurance agency owner with 23 years of experience. He is proud to be a local Farmers agent serving Grayson, Georgia and surrounding areas. With experience as both an underwriter and agent, he provides his customers with insight that others agents may not have. His agency offers all lines of insurance including home, life, auto, RV, busi...
Licensed Insurance Agent & Agency Owner
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.