By: Ishan Mukhopadhyay May. 16, 2018

Raltin 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, Raltin 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.

Raltin 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.

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The table below lists the prices for each cohort along with the companies offering them.

CohortCheapest Car Insurance Premiums in Alameda County, CAMost Expensive Car Insurance Premiums in Alameda County, CAMedian Car Insurance Premiums in Alameda County, CA25th Percentile of Car Insurance Premiums in Alameda County, CA75th Percentile of Car Insurance Premiums in Alameda County, AZDollar Difference between 25th and 75th PercentilesPercentage Difference between 25th and 75th Percentiles
Unmarried males with no traffic violationsEverest National ($960)Infinity ($10,333)Western General ($2,423)Mercury ($1,754)National General/Integon ($3,732)$1,97853.00%
Unmarried males with 1 driving ticketEverest National ($960)Infinity ($13,438)Mapfre ($3,104)California Casualty ($2,397)Western General ($4,266)$1,86943.81%
Unmarried males with 1 driving ticket and 1 accidentEverest National ($1,199)Viking ($21,922)Government Employees Ins Co ($5,498)American States ($4,015)Metromile ($7,311)$3,29645.08%
Unmarried females with no traffic violationEverest National ($960)Viking ($6,967)-Safeco ($2,181)Mercury ($1,754)National General/Integon ($2,730)$97635.75%
Unmarried females with 1 driving ticketEverest National ($1,008)Viking ($6,246)Mapre ($2,793)Amica Mutual ($2,285)Federal Ins (CHUBB) ($3,296)$1,01130.67%
Unmarried females with 1 driving ticket and 1 accidentEverest National ($1,199)Viking ($12,941)California Automobile Ins Co ($4,619)Metropolitan Direct ($3,764)GEICO ($5,564)$1,80032.35%
Married couples where both have one driving ticket eachMetromile ($2,590)Viking ($11,412)Financial Indemnity ($4,653)Horace Mann ($2,768)21st Century ($4,358)$1,59036.48%
Married couples without any traffic violationsCalifornia Capital ($2,016)Viking ($9,364)United Financial Cas ($3,516)Horace Mann ($2,841)21st Century ($4,358)$151734.81%


ABOUT THE AUTHOR

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Ishan Mukhopadhyay

Ishan has over 5 years of experience as a freelance journalist and a content writer. He graduated from The English and Foreign Languages University and holds a Masters degree from the University of Hyderabad. Apart from the English language, Ishan's other passion is data driven journalism.

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