Cheapest Car Insurance Quotes in Blue Lake

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Blue Lake Car Insurance

^$ 22

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Blue Lake

The car insurance rate in Blue Lake is $839 for a six-month policy, which is $172 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $533, making it a popular choice for budget-conscious drivers. Rates in Blue Lake can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Blue Lake

$839

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Blue Lake

1st place: CSAA

At $533 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $676 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $715 for six months, making it the third cheapest auto insurance company in Blue Lake.

Blue Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Blue Lake, CA is CSAA, offering policies at just $533 for a six-month term. This is followed by USAA, which has an average six-month premium of $676.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $641 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Blue Lake drivers find the best deals.

Cheap Car Insurance Companies in Blue Lake, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$533	$90
USAA	$676	$114
Mercury	$715	$120
AAA SoCal	$784	$134
Progressive	$823	$139
Allstate	$902	$152
Wawanesa	$907	$153
AAA NorCal	$917	$156
Auto Club	$946	$158
State Farm	$1001	$168
AAA	$1139	$190
Kemper	$1179	$200
Farmers	$1316	$219
Capital Insurance Group	$587	$98
National General	$597	$101
State National	$607	$101
Hartford	$641	$109

Key Takeaways

Way's key takeaways about car insurance in Blue Lake

The auto insurance costs in Blue Lake fall around $533 for six months.
The cheapest auto insurance company in Blue Lake is CSAA.
Teen drivers pay the highest rate in Blue Lake at $56 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Blue Lake

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Blue Lake are given below.

CSAA provides the cheapest minimum car insurance coverage in Blue Lake. Their Average 6 Month Premium is $128. 21st Century is the most expensive at $335 for the same period.

Cheapest Liability Coverage in Blue Lake, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$128	$22
AAA	$227	$38
USAA	$237	$40
AAA NorCal	$247	$42
AAA SoCal	$281	$48
Progressive	$286	$48
Auto Club	$291	$50
State Farm	$300	$51
Wawanesa	$305	$51
Mercury	$325	$55
Allstate	$350	$59
Farmers	$419	$70
Kemper	$232	$39
Capital Insurance Group	$251	$43
State National	$266	$46
National General	$330	$55
21st Century	$335	$57

Cheapest Full Coverage Car Insurance in Blue Lake

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Blue Lake is CSAA at $90 per month and $533 for six months.

Cheapest Full Coverage Car Insurance Quotes in Blue Lake, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$533	$90
USAA	$676	$114
Mercury	$715	$120
AAA SoCal	$784	$134
Progressive	$823	$139
Allstate	$902	$152
Wawanesa	$907	$153
AAA NorCal	$917	$156
Auto Club	$946	$158
State Farm	$1001	$168
AAA	$1139	$190
Kemper	$1179	$200
Farmers	$1316	$219
Capital Insurance Group	$587	$98
National General	$597	$101
State National	$607	$101
Hartford	$641	$109

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Average Car Insurance in Blue Lake by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Blue Lake, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Blue Lake, California, may be increasing due to several external factors. California has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Blue Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Blue Lake

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Wawanesa	$486
30s	Wawanesa	$392
40s	Wawanesa	$392
50s	Wawanesa	$392
60s	Wawanesa	$392
70s	Wawanesa	$383

Cheapest Car Insurance Rates for Teen Drivers in Blue Lake,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Blue Lake at $32 per month. At $325 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$193	$32
Capital Insurance Group	$434	$72
USAA	$1035	$174
Mercury	$1050	$177
Wawanesa	$1154	$196
Progressive	$1208	$203
CSAA	$1454	$245
State Farm	$1726	$291
AAA SoCal	$1868	$318
Allstate	$2002	$337
Auto Club	$2135	$363
AAA NorCal	$2844	$474
Farmers	$2904	$494
State National	$310	$51
Marcury	$325	$56

Teen Car Insurance Rates in CA by Age

Way Tip

If you are in your twenties Wawanesa is the best choice for car insurance in Blue Lake.

As young drivers face the highest rates in Blue Lake, Wawanesa offers the cheapest auto insurance rates at $486 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

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Save up to $971/yr on car insurance rates in Blue Lake.

Car Insurance Rates with An Accident in Blue Lake

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Blue Lake, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Lake

The cheapest car insurance companies after an at-fault accident in Blue Lake include AAA and Capital Insurance Group, offering $315 and $453, respectively. 21st Century is an expensive provider with an average six-month premium of $567.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$315	$53
Capital Insurance Group	$453	$77
CSAA	$607	$102
USAA	$907	$153
Progressive	$1050	$177
Mercury	$1114	$189
Wawanesa	$1282	$213
AAA SoCal	$1346	$229
Auto Club	$1420	$237
Farmers	$1459	$246
State Farm	$1736	$292
AAA NorCal	$1858	$316
Allstate	$2234	$376
State National	$374	$62
Hartford	$434	$74
National General	$498	$83
Nationwide	$537	$91
21st Century	$567	$95

Blue Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Blue Lake CA. For example, the car insurance in Blue Lake after a DUI increases to $1444 for a six month policy. While the rate increases by $380 for a six-month policy in the case of a speeding ticket.

Blue Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$902	$150
Not-at-fault accident	$902	$154
One comp claim	$902	$150
One Med/PIP claim	$902	$154
Two comp claims	$902	$150
Two Med/PIP claims	$902	$154
At-fault accident - less than $1000	$922	$154
Failure to show documents	$1189	$202
Driving with expired registration	$1213	$203
Driving without lights	$1213	$206
Failure to wear a seat belt	$1218	$203
Child safety restraint	$1228	$208
Speeding 11 - 15 MPH over limit	$1277	$212
Speeding 16 - 20 MPH over limit	$1277	$217
Driving too slowly	$1282	$213
Failure to stop at a red light	$1282	$218
Failure to yield	$1282	$213
Following too closely	$1282	$218
Illegal turn	$1282	$213
In 65 MPH zone	$1282	$218
Speeding 21 - 25 MPH over limit	$1282	$213
Speeding 6 - 10 MPH over limit	$1282	$218
Speeding in school zone	$1282	$213
Improper passing	$1287	$219
Cell phone violation	$1291	$215
Texting while driving	$1291	$220
Passing school bus	$1306	$217
Wrong way/wrong lane	$1528	$260
Operating a vehicle without permission	$1563	$261
At-fault accident - $1000-$2000	$1573	$267
At-fault accident - greater than $2000	$1573	$262
Open container	$1578	$268
Driving with a suspended license	$1829	$305
Reckless driving	$2229	$379
Racing	$2253	$375
Leaving scene of an accident/hit and run	$2263	$385
DUI	$2346	$391
Refusal to submit to a chemical test	$2346	$399

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Blue Lake after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Blue Lake.

The cheapest car insurance premiums in Blue Lake are offered by AAA at $621 for a six-month policy. However, it can be as expensive as $523 with companies like Kemper.

Blue Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$621	$105
Capital Insurance Group	$676	$113
Mercury	$803	$135
Progressive	$1189	$200
Wawanesa	$1444	$246
Farmers	$1533	$258
USAA	$1632	$275
CSAA	$1726	$291
AAA SoCal	$2495	$424
Auto Club	$2854	$476
AAA NorCal	$3288	$559
State Farm	$3510	$591
Allstate	$3614	$608
Travelers	$696	$116
National General	$325	$54
Kemper	$523	$87

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Blue Lake are offered by CSAA at $79. However, it can be as expensive as $374 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Blue Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$79	$13
Capital Insurance Group	$434	$72
Mercury	$740	$125
USAA	$774	$129
Progressive	$833	$140
AAA NorCal	$1154	$193
AAA SoCal	$1238	$211
Allstate	$1272	$212
State Farm	$1346	$229
Farmers	$1863	$310
AAA	$242	$41
Kemper	$305	$52
National General	$325	$54
State National	$374	$64

Car Insurance Price Trends in Blue Lake, California

Car insurance rates in Blue Lake have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Blue Lake rose by $159 in December compared to $158 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Blue Lake rose to $45 in December, compared to $43 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Blue Lake?

The car insurance in Blue Lake is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Blue Lake?

The cheapest car insurance in Blue Lake is $90 per month for full coverage.

How much is car insurance in Blue Lake for teenagers?

Car insurance for teenagers costs $193 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Blue Lake?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $141 per month to insure your car in Blue Lake.

Is car insurance expensive in Blue Lake?

Car insurance can be expensive in Blue Lake if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Blue Lake can be affordable.

Cheapest Car Insurance Quotes in Blue Lake

Why you can trust Way?

How Much Is Car Insurance in Blue Lake

Avg. Car Insurance in Blue Lake

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Blue Lake

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Blue Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Blue Lake, CA

Way's key takeaways about car insurance in Blue Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Blue Lake

Cheapest Liability Coverage in Blue Lake, CA

Cheapest Full Coverage Car Insurance in Blue Lake

Cheapest Full Coverage Car Insurance Quotes in Blue Lake, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Blue Lake by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Blue Lake, CA increasing?

Car Insurance Premiums by Age in Blue Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Blue Lake,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Blue Lake.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Blue Lake

Cheapest Car Insurance Companies after an At-Fault Accident in Blue Lake

Blue Lake Car Insurance Rates by Violation

Blue Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Blue Lake after a DUI

Blue Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Blue Lake after Speeding ticket

Car Insurance Price Trends in Blue Lake, California

Average Car Insurance Cost in Blue Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Blue Lake, CA

Car Insurance Rates by State in the USA (2025 Update)

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