Cheapest car insurance companies in Berlin
A recent data analysis by Insurance.com found the cheapest car insurance companies are Auto-Owners and MMG Insurance in Berlin for 2023.
In Berlin, Auto-Owners provides the cheapest auto insurance rates to drivers at an average annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $888 annually.
When it comes to car insurance costs in Berlin, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| USAA | $855 |
| Auto-Owners | $888 |
| MMG Insurance | $979 |
| The Hanover | $1,116 |
| Nationwide | $1,130 |
| Geico | $1,201 |
| State Farm | $1,207 |
| Progressive | $1,528 |
| Farmers | $1,817 |
| Allstate | $2,068 |
Cheapest car insurance cost in Berlin by Age Group
The cheapest auto insurance company in Berlin for teen drivers is Auto-Owners. For full coverage, its average annual rate for Berlin drivers is $1,970. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Auto-Owners is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Berlin at about $1,378 per year.
As Berlin drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. USAA stands out as the cheapest car insurance option for adult drivers, with an annual premium of $879.
Auto-Owners tops the list in terms of affordability for senior drivers in Berlin. With an average annual premium of $939, Auto-Owners offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Auto-Owners | $1,970 | $1,378 | $922 | $939 |
| The Hanover | $2,028 | $1,406 | $1,072 | $1,020 |
| MMG Insurance | $2,193 | $1,587 | $1,030 | $1,115 |
| USAA | $3,936 | $1,476 | $879 | $940 |
| Geico | $3,970 | $2,001 | $1,254 | $1,255 |
| State Farm | $4,057 | $2,059 | $1,216 | $1,160 |
| Nationwide | $4,218 | $2,014 | $1,127 | $1,108 |
| Allstate | $4,655 | $3,021 | $2,159 | $2,261 |
| Farmers | $6,996 | $3,502 | $1,809 | $1,769 |
| Progressive | $7,302 | $2,745 | $1,547 | $1,608 |
Cheapest car insurance companies in Berlin by driver profile
Insurers in Berlin consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Berlin that suits your budget.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Berlin drivers based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: USAA
Cheapest for a driver with poor credit: Geico
Geico is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Berlin drivers is $1,185.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Berlin.
| Company | Average annual rates |
|---|---|
| Geico | $1,185 |
| Nationwide | $1,234 |
| USAA | $1,393 |
| Progressive | $1,762 |
| State Farm | $2,036 |
| Allstate | $2,239 |
Cheapest for drivers with a speeding ticket: USAA
In Berlin, USAA provides the cheapest car insurance premiums for drivers aged 30 with speeding tickets on their record at an annual cost of $894, on average.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| USAA | $894 |
| State Farm | $914 |
| Nationwide | $1,286 |
| Progressive | $1,323 |
| Geico | $1,487 |
| Allstate | $1,888 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Berlin is $1,083. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,083 |
| USAA | $1,207 |
| Nationwide | $1,350 |
| Geico | $1,730 |
| Progressive | $1,750 |
| Allstate | $2,481 |
Cheapest auto insurance after a DUI: USAA
Buying car insurance doesn't have to break the bank. USAA offers the cheapest full coverage policy in Berlin for drivers with a DUI, with an average annual premium of $1,290.
A DUI conviction can significantly affect your auto insurance rates. However, to keep your coverage rates low, it is important to compare quotes from various insurers before renewing or purchasing a new policy. Doing so ensures you get the most competitive rate for your situation.
| Company | Average annual rates |
|---|---|
| USAA | $1,290 |
| Progressive | $1,532 |
| State Farm | $1,847 |
| Geico | $2,027 |
| Nationwide | $2,112 |
| Allstate | $2,316 |
Average car insurance cost in Berlin
On average, Berlin drivers pay $1,279 annually, or $107 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Berlin is $369.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | $1,279 |
| State minimum average | $369 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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