Best Cheap Auto Insurance in El Cerrito, CA (2021)

The average El Cerrito, CA auto insurance rates are $303 per month. The minimum auto insurance in El Cerrito is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in El Cerrito, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in El Cerrito is GEICO
  • The minimum auto insurance required in El Cerrito, California is 15/30/5
  • The average commute length in El Cerrito is 35.5 minutes

El Cerrito, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in El Cerrito 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 El Cerrito, California, including driving record, credit, commute time, and more.

Compare auto insurance in El Cerrito to other California cities, including San Diego auto insurance rates, San Francisco auto insurance rates, and Los Angeles auto insurance rates to see how El Cerrito, California auto insurance rates stack up.

Before you buy El Cerrito, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free El Cerrito, California auto insurance quotes.

Minimum Auto Insurance in El Cerrito, California

El Cerrito, 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 El Cerrito, California.

Minimum Required Auto Insurance Coverage in El Cerrito, 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 El Cerrito, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in El Cerrito, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in El Cerrito, California

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 $2,843 $2,850 $2,073 $2,095 $7,881 $9,930 $3,644 $4,017
Farmers $2,767 $2,767 $2,491 $2,491 $8,845 $14,552 $3,281 $3,655
GEICO $1,566 $1,567 $1,473 $1,473 $4,788 $4,866 $2,252 $2,298
Liberty Mutual $2,382 $2,256 $2,216 $2,148 $5,240 $5,571 $2,689 $2,706
Nationwide $3,075 $2,935 $2,697 $2,542 $7,843 $8,653 $3,678 $3,629
Progressive $1,759 $1,812 $1,485 $1,769 $4,681 $5,654 $2,527 $2,719
State Farm $3,423 $3,423 $3,060 $3,060 $6,304 $7,817 $3,790 $3,908
Travelers $2,541 $2,458 $2,245 $2,221 $5,280 $6,029 $3,306 $3,236
USAA $1,843 $1,748 $1,796 $1,806 $4,193 $4,238 $2,565 $2,426

Cheap El Cerrito, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in El Cerrito, California is a challenge. Take a look at the annual teen auto insurance rates in El Cerrito, California.

Annual Auto Insurance Rates for Teen Drivers in El Cerrito, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,881 $9,930
Farmers $8,845 $14,552
GEICO $4,788 $4,866
Liberty Mutual $5,240 $5,571
Nationwide $7,843 $8,653
Progressive $4,681 $5,654
State Farm $6,304 $7,817
Travelers $5,280 $6,029
USAA $4,193 $4,238

Cheap El Cerrito, California Auto Insurance for Seniors

What are senior auto insurance rates in El Cerrito, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in El Cerrito, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,073 $2,095
Farmers $2,491 $2,491
GEICO $1,473 $1,473
Liberty Mutual $2,216 $2,148
Nationwide $2,697 $2,542
Progressive $1,485 $1,769
State Farm $3,060 $3,060
Travelers $2,245 $2,221
USAA $1,796 $1,806

Cheap El Cerrito, 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 El Cerrito, California compared to the annual auto insurance rates with a clean record in El Cerrito, California.

Annual El Cerrito, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,662 $4,477 $7,033 $3,494
Farmers $3,770 $5,138 $6,410 $5,106
GEICO $1,771 $2,742 $3,430 $2,197
Liberty Mutual $2,735 $3,665 $3,306 $2,898
Nationwide $3,058 $3,921 $6,625 $3,921
Progressive $1,837 $3,115 $3,606 $2,645
State Farm $3,103 $3,700 $6,989 $3,601
Travelers $2,275 $3,712 $4,317 $3,354
USAA $1,713 $2,551 $4,167 $1,876

Cheap El Cerrito, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in El Cerrito, California is not easy. Compare the annual rates for DUI auto insurance in El Cerrito, California to find the best deal.

Annual Auto Insurance Rates After a DUI in El Cerrito, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,033
Farmers $6,410
GEICO $3,430
Liberty Mutual $3,306
Nationwide $6,625
Progressive $3,606
State Farm $6,989
Travelers $4,317
USAA $4,167

Cheap El Cerrito, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in El Cerrito, California can vary. Compare the annual cost of auto insurance by ZIP code in El Cerrito, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in El Cerrito, California

ZIP Code Average Annual Rates
94530 $4,974

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Cheap El Cerrito, California Auto Insurance Rates By Commute

Commute length and annual mileage affect El Cerrito, California auto insurance. Find the cheapest annual El Cerrito, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in El Cerrito, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,981 $4,852
Farmers $4,634 $5,578
GEICO $2,303 $2,767
Liberty Mutual $2,894 $3,408
Nationwide $3,871 $4,892
Progressive $2,540 $3,062
State Farm $4,190 $4,506
Travelers $3,070 $3,759
USAA $2,377 $2,777

Cheap El Cerrito, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in El Cerrito, California? Check out the comparison of annual El Cerrito, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in El Cerrito, California

Insurance Company Low Medium High
Allstate $4,186 $4,454 $4,609
Farmers $4,779 $5,142 $5,397
GEICO $2,331 $2,563 $2,711
Liberty Mutual $2,940 $3,180 $3,333
Nationwide $3,930 $4,464 $4,750
Progressive $2,533 $2,883 $2,986
State Farm $3,927 $4,420 $4,697
Travelers $2,976 $3,510 $3,758
USAA $2,367 $2,621 $2,743

Best By Category: Cheapest Auto Insurance in El Cerrito, California

Compare the cheapest auto insurance companies in El Cerrito, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in El Cerrito, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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The Cheapest El Cerrito, California Auto Insurance Companies

What auto insurance companies in El Cerrito, California are the cheapest? Compare the top El Cerrito, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in El Cerrito, California

Insurance Company Average Annual Rates
Allstate $4,416
Farmers $5,106
GEICO $2,535
Liberty Mutual $3,151
Nationwide $4,381
Progressive $2,801
State Farm $4,348
Travelers $3,414
USAA $2,577

What affects auto insurance rates in El Cerrito, California?

There are a lot of reasons why auto insurance rates in El Cerrito, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in El Cerrito, California. Many local factors may affect your El Cerrito auto insurance rates.

El Cerrito Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual El Cerrito, California auto theft statistics, there have been 102 auto thefts in the city.

El Cerrito Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average El Cerrito, California commute length is 35.5 minutes according to City-Data.

Compare El Cerrito, California Auto Insurance Quotes

Before you buy El Cerrito, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free El Cerrito, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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