Berkeley Hills is cheaper for both liability and full coverage than the over all average for the state. This can vary depending on the rating factors, and the optional coverages you may add on to either coverage.
- Insurance Berkeley Hills: Your credit and how it impacts your insurance rates
- Berkeley Hills weather and driving conditions
- What We Do at A Plus Insurance
- Insurance Berkeley Hills Discounts available per company
- Top 10 vehicles we insure in Berkeley Hills
- Insurance Berkeley Hills: Do age and gender affect your insurance rates?
- Insurance Berkeley Hills Sample rates
- Insurance Berkeley Hills Cheapest liability insurance rates in Berkley Hills
- SR22 Insurance rates in Berkeley
- Violations and how long they affect your insurance rates in Berkeley Hills
- Frequently Asked Questions About Auto Insurance in Berkeley Hills, Colorado
Below, you will see the average liability insurance rates and full coverage insurance rates in Berkeley Hills vs the state average.
Average Annual Insurance Rates in Berkeley Hills | Full 6 months |
Liability Insurance Berkeley Hills | Liability State Average |
$485.45 | $510.15 |
Full Coverage Insurance Berkeley Hills | Full Coverage CO average |
$865.74 | $934.59 |
Insurance Berkeley Hills: Your credit and how it impacts your insurance rates
Credit Impact on Insurance rates in Berkeley Hills:
Average Premium by Score | Average Rate |
---|---|
Excellent | $125.43 |
Good | $141.34 |
Average | $170.18 |
Poor | $240.69 |
Your credit score impacts quite a few important aspects in your life, for instance buying a home and a vehicle.
Did you know that it can also impact your auto insurance rates? Yes, depending on your credit score, it can affect your rates for better or worse. Each insurance company is different, but we have some numbers here for average rates by credit score.
Berkeley Hills weather and driving conditions
The driving conditions in Berkeley, Colorado are usually moderate. Summer temperatures range around 88 degrees, while the winter months average about 18 degrees.
In the winter months, with rain and snow, its advised to prepare for the weather conditions and give yourself and the vehicle in front of you extra space in case someone stops suddenly you’ll have extra room to correct.
Berkeley, Colorado |
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Summer High: The July high is around 88 degrees |
Winter Low: The January low is 18.9 degrees |
Rain: 18.1 Inches of rain a year |
Snow: 65 inches of snow per year |
What We Do at A Plus Insurance
Insurance Berkeley Hills Discounts available per company
Travelers | The General |
---|---|
Paid in Full | Married |
Married | No Accidents or Violations |
Multi Vehicle | Auto Pay |
No Accidents or Violations | Homeowners |
Homeowners | Paid in Full |
Multi Policy | Multi Vehicle |
Continuous Insurance | Continuous Insurance |
Auto Pay |
Everybody loves seeing discounts, no matter what they are. Did you know that you can receive discounts for your auto insurance? There are quite a few discounts that insurance companies offer.
Are you aware of what you can be getting discounts on, or are you taking advantage of them? Look here at the chart and see what Travelers and The General offer in Berkeley Hills, CO.
Top 10 vehicles we insure in Berkeley Hills
Jeep is the top insured vehicle in Berkeley Hills, Colorado while the Lexus is last on the list. Jeeps have great safety features making them a favorite of all types of people. They are great for off roading, commuting, or the occasional weekend drive. Lexus is an expensive vehicle to insure because the cost of parts is expensive.
1 | Jeep |
2 | Volkswagen |
3 | Buick |
4 | Mazda |
5 | Audi |
6 | Honda |
7 | Nissan |
8 | Ford F-Models |
9 | Subaru |
10 | Toyota |
11 | Ford |
12 | Lexus |
Insurance Berkeley Hills: Do age and gender affect your insurance rates?
It’s true what they say, good things come with age. The same thing could be applied to your auto insurance rates. The older you get, the cheaper you can see that your rates are.
Age and gender do in fact have an impact on your auto rates. If you look at the chart here, we have some pricing for male and female and what the rates look like in Berkeley Hills, CO by age.
Age | Male | Female |
---|---|---|
16-18 | $ 231.84 | $ 184.09 |
19-24 | $ 193.20 | $ 161.00 |
25-30 | $ 139.84 | $ 124.84 |
31-40 | $ 110.40 | $ 106.08 |
41-50 | $ 109.48 | $ 98.44 |
50-65 | $ 99.36 | $ 101.48 |
65+ | $ 106.08 | $ 114.08 |
Insurance Berkeley Hills Sample rates
When shopping around for auto insurance, you are likely going to call a few places and see which best fits your needs. There are quite a few factors that insurance companies take into consideration when giving rates.
As you can see on the chart below, we have listed some sample quotes so you can see the differences in what can impact rates.
Sample Rates in Berkeley Hills, Colorado |
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Sample Quote/ Policy Location: Berkeley Hills Agent :Katie Current Company: Bristol West Previous Company: None Who: Driver Age: 55 Vehicle: Chevrolet 2500 HD Regular Cab Type of Coverage: full coverage , uninsured motorist Notes: multiple lines, proof of insurance Rate: $312 |
Sample Quote/ Policy Location: Berkeley Hills Agent :Crystal Current Company: Dairyland Previous Company: the General Who: Resident Age: 58 Vehicle: Lincoln Mark VII Type of Coverage: broad form , state min Notes: estimate, print Rate: $328 |
Sample Quote/ Policy Location: Berkeley Hills Agent :Jola Current Company: Liberty Mutual Previous Company: Liberty Mutual Who: Resident Age: 42 Vehicle: Lincoln Zephyr Type of Coverage: non owners , sr22 Notes: id cards, online Rate: $215 |
Sample Quote/ Policy Location: Berkeley Hills Agent :Jola Current Company: Mendota Previous Company: Safeco Who: Male Age: 26 Vehicle: Ford Econoline E350 Super Duty Passenger Type of Coverage: liability , med pay Notes: DUI, estimate Rate: $238 |
Sample Quote/ Policy Location: Berkeley Hills Agent :Shawn Current Company: Progressive Previous Company: American Family Who: Female Age: 55 Vehicle: Lincoln Aviator Type of Coverage: auto insurance , med pay Notes: now, Discount Rate: $240 |
Sample Quote/ Policy Location: Berkeley Hills Agent :Amy Current Company: Mendota Previous Company: Progressive Who: Resident Age: 56 Vehicle: Chevrolet Silverado 1500 Crew Cab Type of Coverage: broad form , sr22 Notes: Ticket, online Rate: $232 |
Insurance Berkeley Hills Cheapest liability insurance rates in Berkley Hills
We have ranked each Insurance Provider that we work with in Berkeley, Colorado based on the cheapest rates they provide.
Dairyland on average is the cheapest, while The General is the most expensive. Other companies like Progressive, or Travelers may be a better fit for customers given their paperless preferences, auto pay discounts, etc.
Rank | Company | Average Price |
---|---|---|
1 | Dairyland (Viking) | $82.00 |
2 | Progressive | $90.00 |
3 | Travelers | $104.00 |
4 | Mendota | $105.00 |
5 | Liberty Mutual | $111.00 |
6 | Bristol West | $119.00 |
7 | The General | $123.00 |
SR22 Insurance rates in Berkeley
Most Insurance companies offer SR-22 filings, which are simply an attachment on an auto policy, or broad form policy to inform the DMV that you are carrying insurance, as required.
Dairyland Insurance does not charge for SR-22, Bristol West charges the highest, $35 for the filing, while others charge a $25 flat rate price for the entire term.
Below is amount the amounts company adds to the premium to file the SR22 with the state.
SR22 Insurance Rates in Berkeley Hills, Colorado:
Company | Average (SR22 Fee) |
---|---|
Assurance America | $25 |
Bristol West | $35 |
Dairyland | Free |
Gainsco | $25 |
Mendota | $25 |
Progressive | 5% (average) |
State Farm | SR22 Not available |
The General | $25 |
Travelers | SR22 Not available |
Violations and how long they affect your insurance rates in Berkeley Hills
When you receive violations, it affects more than your driving record. It also affects your auto insurance rates.
Now, there are several different kinds of violations and each affect you differently. There are major, minor, and non moving violations.
Each come with different number of points on your record and different lengths of time that it can stay impacting your rates.
Look at the chart below to see some examples:
Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
---|---|---|
Parking | Non Moving | NA* |
Reckless Driving | Major | 5 Years |
At Fault Accident | Major | 5 Years |
Driving without a License | Major | 3 Years |
Failure to Yeld | Minor | 3 Years |
Failure to Use Turn Signal | Minor | 3 Years |
Failure to Use a Seat Belt | Non Moving | NA* |
Failure to Maintain Clear Distance (tailgating) | Minor | 3 Years |
Failure to Secure Load to truck/trailer | Minor | 3 Years |
Crossing over a Center Divider | Minor | 3 Years |
Non-At-Fault Acccident | Minor | NA* |
Expired Tags | Non Moving | NA* |
Frequently Asked Questions About Auto Insurance in Berkeley Hills, Colorado
Q1: What are the minimum auto insurance requirements in Berkeley Hills, Colorado?
A1: In Berkeley Hills, Colorado, drivers are required to have liability auto insurance coverage with minimum limits of $25,000 for bodily injury or death per person, $50,000 for bodily injury or death per accident, and $15,000 for property damage.
Q2: What additional coverage options should I consider for my Berkeley Hills auto insurance?
A2: For your Berkeley Hills auto insurance, consider additional coverage options like uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, and personal injury protection (PIP). These options can provide extra protection and peace of mind on the road.
Q3: How can I find affordable auto insurance rates in Berkeley Hills, CO?
A3: To find affordable auto insurance rates in Berkeley Hills, Colorado, consider comparing quotes from multiple insurance providers. Additionally, look for discounts related to factors like safe driving, bundling policies, and maintaining a good credit score. Collaborating with an independent insurance agent can help you explore your options and locate competitive rates.
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Last Updated on by Brian Muse