Why you should trust Insurance.com
Insurance.com is dedicated to informing, educating, and empowering you to make confident insurance decisions. Our content is carefully reviewed by insurance experts, and we rely on a data-driven approach to create unbiased, accurate insurance recommendations. Insurance.com maintains editorial integrity through strict independence from insurance companies.

If you're looking for the best and cheapest car insurance in Berlin, then you're in luck. Our team of experts at Insurance.com has analyzed major auto insurance carriers across Berlin and prepared this guide for you.

The average cost of auto insurance in Berlin for full coverage is $1,325 per year for the profile of a 30-year-old driver. However, your rates will vary depending on your driving record, age, and the amount of coverage you purchase.

The following guide will help you find the best car insurance companies in Berlin. It also includes information on carriers with high customer satisfaction rates, as well as their respective insurance premium for your specific needs and situation.

Cheapest car insurance companies in Berlin

According to a study by Insurance.com, the cheapest car insurance companies in Berlin for 2023 are USAA and Geico.

USAA is the cheapest option for most Berlin drivers, with an average annual rate of $738.

Car insurance cost may vary in Berlin based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Berlin

CompaniesAverage Annual Rates
USAA$738
Geico$769
Auto-Owners$850
State Farm$859
Nationwide$879
Progressive$952
Mapfre Insurance$1,173
Allstate$1,628
The Hanover$4,080

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 $1,914. Insurance companies put teenagers in the category of high-risk drivers, and as a result they are charged higher rates for insurance.

However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on your parents' car insurance policy for as long as possible.

Geico is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Berlin at about $1,298 per year.

You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Berlin is the USAA. Its average rate for a full coverage car insurance policy is $778 per year.

If you are a senior driver in Berlin and looking for a cheap car insurance company, then consider buying insurance from the USAA. It is the cheapest auto insurance company for senior drivers with an average premium of $793 per year.

CompaniesAdultsSeniorsTeensYoung Adults
Allstate$1,716$1,726$3,371$2,293
Auto-Owners$896$880$1,914$1,344
Geico$814$808$2,611$1,298
Mapfre Insurance$1,555$1,205$4,336$4,336
Nationwide$903$882$3,796$1,791
Progressive$975$1,024$5,977$1,830
State Farm$889$822$3,245$1,609
The Hanover$4,098$4,005$16,627$7,860
USAA$778$793$3,498$1,315

Cheapest car insurance companies in Berlin by driver profile

Car insurance rates in Berlin vary by driver profile. Drivers with a history of accidents or tickets on their record will likely pay more for car insurance than those without any driving violations.

To find the cheapest car insurance company in Berlin, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.

Here are some of the cheapest car insurance companies in Berlin based on driver profile.

Cheapest for a driver with poor credit: Geico

The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Berlin drivers at about $1,146 per year.

Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit score.

CompaniesAverage Annual Rates
Geico$1,146
Auto-Owners$1,187
Nationwide$1,240
USAA$1,382
Auto Club Entreprises$1,657
Progressive$1,721
State Farm$2,036
Allstate$2,239

Cheapest for drivers with a speeding ticket: USAA

USAA offers the cheapest auto insurance rates for drivers with a speeding ticket in Berlin. It offers full coverage car insurance for drivers age 30 at about $843 per year.

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.

CompaniesAverage Annual Rates
USAA$843
State Farm$859
Auto-Owners$966
Nationwide$1,070
Progressive$1,258
Geico$1,327
Auto Club Entreprises$1,608
Allstate$1,870

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 $1,004. 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.

CompaniesAverage Annual Rates
State Farm$1,004
USAA$1,071
Nationwide$1,184
Auto-Owners$1,202
Auto Club Entreprises$1,463
Geico$1,478
Progressive$1,562
Allstate$2,338

Cheapest auto insurance after a DUI: Progressive

Progressive is the carrier that offers cheap auto insurance rates in Berlin for drivers after a DUI. Its average annual rate for full coverage is $1,097.

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.

CompaniesAverage Annual Rates
Progressive$1,097
USAA$1,185
State Farm$1,467
Auto-Owners$1,470
Geico$1,685
Nationwide$1,763
Allstate$2,035
Auto Club Entreprises$2,205

Average car insurance cost in Berlin

The average car insurance rate in Berlin for full coverage is $1,325 per year or $110 a month. These rates are for coverage level of 100/300/100. Whereas the average rate for state minimum coverage in Berlin is $376 per year.

You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.

Average Annual RatesState Minimum Average
$1,325$376

Methodology

Insurance.com commissioned 2022 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 2022.

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. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in New Hampshire

Franklin
$1,248/year
Laconia
$1,266/year
Lebanon
$1,222/year
Manchester
$1,514/year
Nashua
$1,354/year
Rochester
$1,244/year
Somersworth
$1,231/year

Helpful Auto Insurance Articles & Guides