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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Alameda, CA are $316/month
  • Average car insurance rates in Alameda, CA for senior drivers are $2,249/year
  • The annual number of car thefts in Alameda is 351.

Average car insurance rates in Alameda, California are $316 a month. But with a little research you can get a great deal from the top car insurance companies in Alameda, CA. Before you buy Alameda, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Alameda car insurance rates with San Diego car insurance rates, Bakersfield car insurance rates, or Anaheim car insurance rates to make sure you’re getting the best Alameda, CA car insurance quotes available.

Need affordable Alameda, CA car insurance? Enter your ZIP code to compare Alameda car insurance quotes from multiple car insurance companies near you.

Alameda, CA Minimum Car Insurance Coverage

Alameda, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Alameda, CA Car Insurance Rates by Coverage Level

Some Alameda drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Alameda, California car insurance rates may be based on the coverage you need.

Annual Car 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

Alameda, CA Car Insurance Rates by Age, Gender, and Marital Status

Alameda, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Alameda, CA car insurance, get quotes from multiple car insurance companies in the Alameda area and see how these criteria affect your rates.

Annual Car 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

Alameda, CA Car Insurance Rates for Teens

How much is Alameda, California car insurance for teens? Compare rates from top Alameda car insurance companies below to help find the cheapest teen car insurance in Alameda, CA.

Annual Car 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

Alameda, CA Car Insurance Rates for Seniors

Before seniors buy Alameda, California car insurance, they should make sure to shop around. Some Alameda, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Alameda, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Alameda, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Alameda.

Annual Alameda, California Car 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

Alameda, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Alameda, CA car insurance rates. Compare rates below to see which Alameda car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Alameda, California

Insurance Company Annual Car 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

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Alameda, CA Car Insurance Rates by ZIP Code

Just like Alameda car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Alameda, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Alameda, California

ZIP Code Average Annual Rates
94501 $5,217
94502 $5,187

Alameda, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Alameda, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Alameda companies based on commute time.

Annual Car Insurance Rates by Commute Length in Alameda, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Alameda, CA Cheapest Car Insurance Rates

How do the top Alameda, California car insurance companies’ average rates stack up against the Alameda average monthly car insurance rates of $316? Take a look and see.

Best Annual Car 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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Alameda, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Alameda, California car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Alameda, CA Car Insurance Rates

Before you buy Alameda, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Alameda, CA Car Theft Rates

The car theft rate in Alameda, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Alameda, California is 351 stolen cars.

Alameda, CA Commute Time

How does your Alameda, CA commute time compare with the average driver? In Alameda, the average commute is 34.6 minutes.

Alameda, CA Car Insurance Quotes

Compare Alameda, CA car insurance quotes from multiple companies by entering your ZIP code now.