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Cheapest car insurance in Benicia, California (Nov 2024)
Cheapest car insurance in Benicia, California (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Benicia, California.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Kianna Walpole
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Cheapest car insurance quotes in Benicia
On average,
auto insurance
coverage in Benicia costs about $150 per month for minimum coverage liability insurance, and about $240 per month for full coverage insurance. Benicia drivers pay 5% less than the California
average. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $135 | Vincent, 36 Zip: 94510 | Nissan Sentra S | • 100,000/300,000 Liability • Comp / Collision |
| National General | $125 | Calvin, 22 Zip: 94510 | KIA RIO LX | • State Minimum Liability |
| Mapfre | $109 | Fannie, 45 Zip: 94510 | Buick Enclave | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest Benicia car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control, you can help keep your insurance costs low by being a good driver with a clean driving record.
Good drivers in Benicia can save up to 40% on their insurance, and with Jerry's DriveShield™, you can track your driving and unlock discounts for safe driving habits. Discover how other drivers are using DriveShield™ to save on their insurance below.
Customer | Driving Score | Insurance Savings | Has Violations | Insurance Coverage |
|---|---|---|---|---|
Giovanni, 25 | 88 | 28% | No |
|
Alex, 34 | 98 | 35% | No |
|
Paul, 44 | 76 | 20% | No |
|
Dina, 54 | 96 | 31% | No |
|
David, 65 | 74 | 24% | No |
|
Best car insurance companies in Benicia
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.
While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Benicia rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 3.9 | 4.3 |
| USAA | 4.3 | 4.8 | 4.8 | 4.8 |
| Geico | 4 | 3.5 | 3.8 | 3.9 |
| State Farm | 3.9 | 3.3 | 3.7 | 4 |
Liberty Mutual | 2.8 | 3.2 | 2.7 | 2.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Do you need more than minimum coverage in Benicia?
California’s minimum liability coverage includes $15,000 per person/$30,000 per accident in bodily injury liability, and $5,000 per accident in property damage liability. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
However, most Benicia driver’s insurance needs will extend past the state minimum mandated by
California car insurance laws
. Full coverage car insurance
generally includes liability insurance, along with comprehensive coverage
and collision coverage
to protect you in collision and non-collision related events (such as theft, vandalism, and severe weather). For better financial protection, drivers should consider purchasing a full coverage with higher liability limits of 50/100/50 or 100/300/100, and other coverage options, including
uninsured motorist coverage
.Compare car insurance costs in other states
How do different factors impact your car insurance costs in Benicia?
How do different factors impact your car insurance costs in Benicia?
Allowed (with applicable limitations): Driving experience, marital status, zip code.
Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.
Learn more about the car insurance rating factors in Benicia:
Cheap car insurance quotes in Benicia after driving violations
If insurance companies notice a history of violations on your
California driving history
, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Benicia after speeding ticket
In Benicia, a speeding ticket could increase your car insurance rate by about 13%. Jerry is proud to help drivers with varying speeding tickets save on car insurance.
Last Updated Nov 24, 2024Cheapest car insurance in Benicia after DUI
In Benicia,
a DUI violation
can increase your insurance rate by as much as 22%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.Jerry has helped many Benicia drivers obtain affordable auto insurance rates after a DUI.
Ann (34 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Benicia, CA (Zip Code: 94510)
$248
per month
Cheapest car insurance in Benicia after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Benicia drivers, car accidents could result in an average rate increase of 15%.
California is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Benicia drivers save on car insurance after accidents.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $248 | Clarence, 33 Zip: 94510 | KIA Optima LX | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Bristol West | $94 | Roger, 22 Zip: 94510 | Subaru Impreza WRX | • State Minimum Liability |
Not At Fault | Aspire Advantage | $185 | Sally, 28 Zip: 94510 | BMW 328 i | • State Minimum Liability |
At Fault With No Injury | Progressive | $88 | Ray, 26 Zip: 94510 | Volkswagen Passat SEL | • State Minimum Liability |
Last Updated Nov 23, 2024Cheap car insurance quotes in Benicia by driving experience
Inexperienced drivers, such as teens or newly licensed motorists, pay higher than average insurance rates. As drivers gain more experience, their insurance rates can drop. Car insurance costs often start rising again at the age of 75 due to increased risk factors.
Cheapest car insurance in Benicia for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Benicia. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.
Calvin (22 years old)
$125
per month
Cheapest car insurance in Benicia for senior drivers
Older drivers
in Benicia are more likely to be involved in an accident. Furthermore, they’re much more vulnerable to injuries after a car accident. All of this can be very expensive, which is why car insurance companies charge older adults in Benicia more for coverage. 
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FAQ
How much is car insurance in Benicia?
People living in Benicia pay on average $150 per month – or $1,794 per year – on state-minimum liability coverage. Full coverage in Benicia costs on average $240 per month or $2,886 per year.
What is the cheapest car insurance in Benicia?
Based on thousands of Benicia drivers Jerry has worked with, car insurance in Benicia costs an average of $150 per month for state-minimum coverage and $240 per month for full coverage.
What is the best car insurance in Benicia?
Metlife,
Encompass
, and Direct Auto receive good ratings from Benicia drivers, based on the largest car insurance survey in the nation conducted by Jerry.What is the minimum car insurance in Benicia, California?
California's minimum insurance requirements—known as the 15/30/5 rule—mandate the following:
- $30,000 for bodily injury liability per accident
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Amy Bobinger
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.