Best Cheap Auto Insurance in Alameda, CA (2021)

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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 Daniel Walker

UPDATED: May 4, 2022

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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.

Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Alameda, 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 $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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Alameda, California

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.

Annual Alameda, California Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Alameda, California

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.

Annual Auto Insurance Rates by ZIP Code in Alameda, California

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.

Annual Auto Insurance Rates by Commute Length in Alameda, California

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.

Annual Auto Insurance Rates by Coverage Level in Alameda, California

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.

Best Annual Auto Insurance Rates by Company in Alameda, California

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.

Average Annual Auto Insurance Rates by Company in Alameda, California

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.

Free Auto Insurance Comparison

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

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