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Berkeley is located on the east shore of San Francisco Bay, and has a high reputation for academic achievement, scientific exploration, free speech and the arts. It is one of the most politically liberal cities in the United States and is home to the oldest campus in the University of California system, the University of California, Berkeley. Berkeley is practically a synonym for rapid social changes, civic unrest, and political upheaval. During the Donald Trump presidency, Berkeley has been the site of multiple riots between anarchists and other radicals. Berkeley is a very popular place to live, and the cost of living in Berkeley is 34% higher than the California average. Because the city is a center of controversy, and expensive tastes, it is especially important to explore all the options for cheap car insurance Berkeley has to offer.
Berkeley Police Department has 170 sworn Officers of all ranks and 270 employees in total. Due to the diverse population and demonstrations, the overall crime rate in Berkeley is 87% higher than the national average. The crime rate has been on a decline since the year 2000, although the constant protests and demonstrations tend to skew the crime statistics and make actual risk evaluation more difficult. Knowing the risk of crime in the city you live in is important information when it comes to getting cheap car insurance.
Berkeley Insurance Requirements
All California state residents are required to have the basic liability insurance coverage in the following limits:
- $5,000 of property damage liability per incident
- $15,000 of bodily injury liability per person
- $30,000 of bodily injury liability per incident
The minimum coverage may be all the law requires, but Berkeley has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Berkeley can provide.
- Towing and labor
- Rental reimbursement
- Uninsured motorist bodily injury
Public Transportation in Berkeley
The Public Works Transportation Division has many options to help decrease dependence on single-occupant automobile commuting. The city also has one of the highest rates of bicycle and pedestrian commuting in the nation. The Alameda-Contra Costa Transit District provides bus service in Berkeley, and is the third-largest public bus system in California. AC Transit serves 5,500 bus stops with 124 local lines; 32 transbay lines; and six All-Nighter lines. AC Transit’s service also provides connections with 21 BART stations, six Amtrak stations, three ferry terminals, and nine other bus systems.