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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Written by
Rachel Bodine
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Reviewed by
Daniel Walker
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UPDATED: May 4, 2022
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- 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.
Table of Contents
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.