Cheapest Car Insurance Quotes in Lake California

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Lake California Car Insurance

^$ 21

/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 Lake California

The car insurance rate in Lake California is $1021 for a six-month policy, which is $224 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $526, making it a popular choice for budget-conscious drivers. Rates in Lake California 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 Lake California

$1021

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Lake California

1st place: CSAA

At $526 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $843 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA NorCal

AAA NorCal offers auto insurance rates at $857 for six months, making it the third cheapest auto insurance company in Lake California.

Lake California Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake California, CA is CSAA, offering policies at just $526 for a six-month term. This is followed by Mercury, which has an average six-month premium of $843.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1125 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake California drivers find the best deals.

Cheap Car Insurance Companies in Lake California, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$526	$89
Mercury	$843	$142
AAA NorCal	$857	$146
Progressive	$857	$144
Wawanesa	$896	$151
USAA	$911	$153
Auto Club	$935	$159
Allstate	$1042	$175
AAA SoCal	$1100	$187
Kemper	$1164	$194
State Farm	$1247	$210
Travelers	$1393	$232
Farmers	$1398	$238
AAA	$1125	$188

Key Takeaways

Way's key takeaways about car insurance in Lake California

The auto insurance costs in Lake California fall around $526 for six months.
The cheapest auto insurance company in Lake California is CSAA.
Teen drivers pay the highest rate in Lake California at $494 per month.

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

Cheapest Minimum Liability Car Insurance in Lake California

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 Lake California are given below.

CSAA provides the cheapest minimum car insurance coverage in Lake California. Their Average 6 Month Premium is $126. Travelers is the most expensive at $535 for the same period.

Cheapest Liability Coverage in Lake California, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$126	$21
AAA NorCal	$209	$35
USAA	$239	$40
Progressive	$283	$48
Auto Club	$287	$48
Wawanesa	$302	$51
AAA	$346	$57
AAA SoCal	$351	$60
Mercury	$351	$59
State Farm	$385	$65
Allstate	$444	$75
Farmers	$477	$81
Travelers	$535	$89

Cheapest Full Coverage Car Insurance in Lake California

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 Lake California is CSAA at $89 per month and $526 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake California, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$526	$89
Mercury	$843	$142
AAA NorCal	$857	$146
Progressive	$857	$144
Wawanesa	$896	$151
USAA	$911	$153
Auto Club	$935	$159
Allstate	$1042	$175
AAA SoCal	$1100	$187
Kemper	$1164	$194
State Farm	$1247	$210
Travelers	$1393	$232
Farmers	$1398	$238
AAA	$1125	$188

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Average Car Insurance in Lake California 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 Lake California, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake California, 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, Lake California's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lake California

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	$492
30s	Wawanesa	$397
40s	Wawanesa	$397
50s	Wawanesa	$397
60s	Wawanesa	$397
70s	Wawanesa	$389

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lake California at $58 per month. At $2966 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$341	$58
Capital Insurance Group	$429	$71
USAA	$1115	$188
Wawanesa	$1140	$190
Progressive	$1305	$220
Mercury	$1354	$228
CSAA	$1437	$242
Auto Club	$2109	$352
State Farm	$2153	$362
Allstate	$2503	$421
AAA SoCal	$2649	$450
AAA NorCal	$2684	$447
Travelers	$2786	$474
Farmers	$2966	$494

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 Lake California.

As young drivers face the highest rates in Lake California, Wawanesa offers the cheapest auto insurance rates at $492 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.

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Lake California

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 Lake California, CA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Lake California include AAA and Capital Insurance Group, offering $307 and $448, respectively. Allstate is an expensive provider with an average six-month premium of $2830.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$307	$51
Capital Insurance Group	$448	$76
CSAA	$599	$101
USAA	$984	$166
Mercury	$1077	$181
Progressive	$1125	$189
Wawanesa	$1266	$211
Auto Club	$1403	$239
Farmers	$1534	$258
AAA NorCal	$1739	$296
AAA SoCal	$1885	$314
State Farm	$2226	$375
Travelers	$2684	$447
Allstate	$2830	$476

Lake California Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake California CA. For example, the car insurance in Lake California after a DUI increases to $1427 for a six month policy. While the rate increases by $375 for a six-month policy in the case of a speeding ticket.

Lake California auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$891	$148
Not-at-fault accident	$891	$152
One comp claim	$891	$148
One Med/PIP claim	$891	$152
Two comp claims	$891	$148
Two Med/PIP claims	$891	$152
At-fault accident - less than $1000	$911	$152
Failure to show documents	$1174	$199
Driving with expired registration	$1198	$200
Driving without lights	$1198	$203
Failure to wear a seat belt	$1203	$201
Child safety restraint	$1213	$206
Speeding 11 - 15 MPH over limit	$1261	$210
Speeding 16 - 20 MPH over limit	$1261	$215
Driving too slowly	$1266	$211
Failure to stop at a red light	$1266	$216
Failure to yield	$1266	$211
Following too closely	$1266	$216
Illegal turn	$1266	$211
In 65 MPH zone	$1266	$216
Speeding 21 - 25 MPH over limit	$1266	$211
Speeding 6 - 10 MPH over limit	$1266	$216
Speeding in school zone	$1266	$211
Improper passing	$1271	$216
Cell phone violation	$1276	$212
Texting while driving	$1276	$217
Passing school bus	$1291	$215
Wrong way/wrong lane	$1510	$257
Operating a vehicle without permission	$1544	$257
At-fault accident - $1000-$2000	$1554	$264
At-fault accident - greater than $2000	$1554	$259
Open container	$1559	$265
Driving with a suspended license	$1807	$301
Reckless driving	$2202	$375
Racing	$2226	$371
Leaving scene of an accident/hit and run	$2235	$380
DUI	$2318	$386
Refusal to submit to a chemical test	$2318	$394

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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 Lake California 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 Lake California.

The cheapest car insurance premiums in Lake California are offered by Capital Insurance Group at $667 for a six-month policy. However, it can be as expensive as $613 with companies like AAA.

Lake California car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$667	$112
Mercury	$954	$161
Progressive	$1266	$213
Wawanesa	$1427	$243
Farmers	$1602	$270
CSAA	$1705	$287
USAA	$1758	$296
Travelers	$1997	$336
Auto Club	$2820	$470
AAA NorCal	$3083	$524
AAA SoCal	$3458	$576
State Farm	$4389	$739
Allstate	$4471	$753
AAA	$613	$104

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 Lake California are offered by CSAA at $78. However, it can be as expensive as $2143 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Lake California after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$78	$13
Capital Insurance Group	$429	$73
Mercury	$921	$155
USAA	$940	$160
Progressive	$945	$159
AAA NorCal	$1087	$185
AAA SoCal	$1505	$251
Allstate	$1909	$325
Farmers	$1988	$331
State Farm	$2124	$361
Travelers	$2143	$358

Car Insurance Price Trends in Lake California, California

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

The average cost of full coverage in the Lake California rose by $174 in January compared to $157 of December. In other words, there has been an increase by $17 when you compare January and December.

The average cost of liability insurance in the Lake California rose to $50 in January, compared to $45 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lake California?

The car insurance in Lake California is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Lake California?

The cheapest car insurance in Lake California is $89 per month for full coverage.

How much is car insurance in Lake California for teenagers?

Car insurance for teenagers costs $341 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 Lake California?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $171 per month to insure your car in Lake California.

Is car insurance expensive in Lake California?

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

Cheapest Car Insurance Quotes in Lake California

Why you can trust Way?

How Much Is Car Insurance in Lake California

Avg. Car Insurance in Lake California

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lake California

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Lake California Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake California, CA

Way's key takeaways about car insurance in Lake California

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake California

Cheapest Liability Coverage in Lake California, CA

Cheapest Full Coverage Car Insurance in Lake California

Cheapest Full Coverage Car Insurance Quotes in Lake California, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake California by Rating Factor

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

Car Insurance Premiums by Age in Lake California

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Lake California

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

Lake California Car Insurance Rates by Violation

Lake California auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake California after a DUI

Lake California car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake California after Speeding ticket

Car Insurance Price Trends in Lake California, California

Average Car Insurance Cost in Lake California by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake California, CA

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

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