Car insurance rates for Alameda County, California, differ by a margin of $1,570
Zimlon conducted a recent analysis of car insurance policies for Alameda County, CA, and found that the cheapest premium rates are $960, paid by unmarried men and women without any history of traffic violations. On the other hand, the most expensive premiums are for married couples with one driving ticket each, starting at $2,590. For this comparison, Zimlon examined data from the 2018 California Department of Insurance report, for automobile insurance.
The vehicle standardized for unmarried drivers was the Honda Accord, with a yearly mileage of 12,600-15,000. For married-couples, the vehicle chosen was Toyota Prius and Toyota Camry, with a yearly mileage of 9,000-16,000.
Zimlon conducted this analysis per population cohorts and found that the cheapest premium rates tend to be offered to unmarried women with one traffic ticket. The most expensive premium rate for this category is $6,246, which is the least among all the category of drivers.
The biggest difference between the 75th and 25th percentile of premium rates is for unmarried men with no traffic violations, at 53.00%. This is followed by unmarried men with a history of one driving ticket and one accident, at 45.08%, and unmarried men with just one driving ticket at 43.81%.
The most expensive premium rates tend to be offered to unmarried men with a history of 1 driving ticket and 1 accident, at $21,922. The second most expensive premium rate is offered to unmarried men with a history of one driving ticket, at $13,438.
The following chart presents a comparison of prices for each cohort.
The table below lists the prices for each cohort along with the companies offering them.
| Cohort | Cheapest Car Insurance Premiums in Alameda County, CA | Most Expensive Car Insurance Premiums in Alameda County, CA | Median Car Insurance Premiums in Alameda County, CA | 25th Percentile of Car Insurance Premiums in Alameda County, CA | 75th Percentile of Car Insurance Premiums in Alameda County, AZ | Dollar Difference between 25th and 75th Percentiles | Percentage Difference between 25th and 75th Percentiles |
|---|---|---|---|---|---|---|---|
| Unmarried males with no traffic violations | Everest National ($960) | Infinity ($10,333) | Western General ($2,423) | Mercury ($1,754) | National General/Integon ($3,732) | $1,978 | 53.00% |
| Unmarried males with 1 driving ticket | Everest National ($960) | Infinity ($13,438) | Mapfre ($3,104) | California Casualty ($2,397) | Western General ($4,266) | $1,869 | 43.81% |
| Unmarried males with 1 driving ticket and 1 accident | Everest National ($1,199) | Viking ($21,922) | Government Employees Ins Co ($5,498) | American States ($4,015) | Metromile ($7,311) | $3,296 | 45.08% |
| Unmarried females with no traffic violation | Everest National ($960) | Viking ($6,967) | -Safeco ($2,181) | Mercury ($1,754) | National General/Integon ($2,730) | $976 | 35.75% |
| Unmarried females with 1 driving ticket | Everest National ($1,008) | Viking ($6,246) | Mapre ($2,793) | Amica Mutual ($2,285) | Federal Ins (CHUBB) ($3,296) | $1,011 | 30.67% |
| Unmarried females with 1 driving ticket and 1 accident | Everest National ($1,199) | Viking ($12,941) | California Automobile Ins Co ($4,619) | Metropolitan Direct ($3,764) | GEICO ($5,564) | $1,800 | 32.35% |
| Married couples where both have one driving ticket each | Metromile ($2,590) | Viking ($11,412) | Financial Indemnity ($4,653) | Horace Mann ($2,768) | 21st Century ($4,358) | $1,590 | 36.48% |
| Married couples without any traffic violations | California Capital ($2,016) | Viking ($9,364) | United Financial Cas ($3,516) | Horace Mann ($2,841) | 21st Century ($4,358) | $1517 | 34.81% |