Cheapest Car Insurance Quotes in Lake Hughes

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Lake Hughes Car Insurance

^$ 28

/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 Hughes

The car insurance rate in Lake Hughes is $1092 for a six-month policy, which is $81 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $693, making it a popular choice for budget-conscious drivers. Rates in Lake Hughes 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 Hughes

$1092

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Lake Hughes

1st place: CSAA

At $693 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $879 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $930 for six months, making it the third cheapest auto insurance company in Lake Hughes.

Lake Hughes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Hughes, CA is CSAA, offering policies at just $693 for a six-month term. This is followed by USAA, which has an average six-month premium of $879.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $834 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Hughes drivers find the best deals.

Cheap Car Insurance Companies in Lake Hughes, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$693	$117
USAA	$879	$148
Mercury	$930	$157
AAA SoCal	$1020	$174
Progressive	$1071	$180
Allstate	$1174	$198
Wawanesa	$1180	$199
AAA NorCal	$1193	$203
Auto Club	$1231	$205
State Farm	$1302	$219
AAA	$1482	$247
Kemper	$1534	$260
Farmers	$1713	$285
Capital Insurance Group	$764	$127
National General	$777	$132
State National	$789	$132
Hartford	$834	$141

Key Takeaways

Way's key takeaways about car insurance in Lake Hughes

The auto insurance costs in Lake Hughes fall around $693 for six months.
The cheapest auto insurance company in Lake Hughes is CSAA.
Teen drivers pay the highest rate in Lake Hughes at $72 per month.

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

Cheapest Minimum Liability Car Insurance in Lake Hughes

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 Hughes are given below.

CSAA provides the cheapest minimum car insurance coverage in Lake Hughes. Their Average 6 Month Premium is $166. 21st Century is the most expensive at $436 for the same period.

Cheapest Liability Coverage in Lake Hughes, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$166	$28
AAA	$295	$50
USAA	$308	$52
AAA NorCal	$321	$54
AAA SoCal	$366	$63
Progressive	$373	$63
Auto Club	$378	$65
State Farm	$391	$66
Wawanesa	$397	$67
Mercury	$423	$71
Allstate	$456	$77
Farmers	$545	$91
Kemper	$301	$51
Capital Insurance Group	$327	$56
State National	$347	$59
National General	$430	$71
21st Century	$436	$75

Cheapest Full Coverage Car Insurance in Lake Hughes

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 Hughes is CSAA at $117 per month and $693 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Hughes, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$693	$117
USAA	$879	$148
Mercury	$930	$157
AAA SoCal	$1020	$174
Progressive	$1071	$180
Allstate	$1174	$198
Wawanesa	$1180	$199
AAA NorCal	$1193	$203
Auto Club	$1231	$205
State Farm	$1302	$219
AAA	$1482	$247
Kemper	$1534	$260
Farmers	$1713	$285
Capital Insurance Group	$764	$127
National General	$777	$132
State National	$789	$132
Hartford	$834	$141

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Average Car Insurance in Lake Hughes 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 Hughes, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Hughes, 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 Hughes'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 Hughes

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	$632
30s	Wawanesa	$510
40s	Wawanesa	$510
50s	Wawanesa	$510
60s	Wawanesa	$510
70s	Wawanesa	$499

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lake Hughes at $42 per month. At $423 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$251	$42
Capital Insurance Group	$565	$94
USAA	$1347	$227
Mercury	$1366	$230
Wawanesa	$1501	$255
Progressive	$1571	$265
CSAA	$1892	$319
State Farm	$2245	$378
AAA SoCal	$2431	$414
Allstate	$2605	$438
Auto Club	$2778	$472
AAA NorCal	$3701	$617
Farmers	$3779	$643
State National	$404	$67
Marcury	$423	$72

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 Hughes.

As young drivers face the highest rates in Lake Hughes, Wawanesa offers the cheapest auto insurance rates at $632 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 Hughes.

Car Insurance Rates with An Accident in Lake Hughes

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

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

The cheapest car insurance companies after an at-fault accident in Lake Hughes include AAA and Capital Insurance Group, offering $410 and $590, respectively. 21st Century is an expensive provider with an average six-month premium of $738.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$410	$69
Capital Insurance Group	$590	$100
CSAA	$789	$133
USAA	$1180	$199
Progressive	$1366	$230
Mercury	$1449	$246
Wawanesa	$1668	$278
AAA SoCal	$1752	$298
Auto Club	$1848	$308
Farmers	$1899	$320
State Farm	$2258	$380
AAA NorCal	$2418	$411
Allstate	$2906	$489
State National	$487	$81
Hartford	$565	$96
National General	$648	$108
Nationwide	$699	$119
21st Century	$738	$123

Lake Hughes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Hughes CA. For example, the car insurance in Lake Hughes after a DUI increases to $1879 for a six month policy. While the rate increases by $494 for a six-month policy in the case of a speeding ticket.

Lake Hughes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1174	$195
Not-at-fault accident	$1174	$200
One comp claim	$1174	$195
One Med/PIP claim	$1174	$200
Two comp claims	$1174	$195
Two Med/PIP claims	$1174	$200
At-fault accident - less than $1000	$1200	$200
Failure to show documents	$1547	$262
Driving with expired registration	$1578	$264
Driving without lights	$1578	$268
Failure to wear a seat belt	$1584	$265
Child safety restraint	$1597	$271
Speeding 11 - 15 MPH over limit	$1661	$276
Speeding 16 - 20 MPH over limit	$1661	$283
Driving too slowly	$1668	$278
Failure to stop at a red light	$1668	$284
Failure to yield	$1668	$278
Following too closely	$1668	$284
Illegal turn	$1668	$278
In 65 MPH zone	$1668	$284
Speeding 21 - 25 MPH over limit	$1668	$278
Speeding 6 - 10 MPH over limit	$1668	$284
Speeding in school zone	$1668	$278
Improper passing	$1674	$285
Cell phone violation	$1680	$280
Texting while driving	$1680	$286
Passing school bus	$1700	$283
Wrong way/wrong lane	$1988	$338
Operating a vehicle without permission	$2034	$339
At-fault accident - $1000-$2000	$2047	$348
At-fault accident - greater than $2000	$2047	$341
Open container	$2053	$349
Driving with a suspended license	$2380	$396
Reckless driving	$2900	$494
Racing	$2932	$488
Leaving scene of an accident/hit and run	$2944	$501
DUI	$3053	$509
Refusal to submit to a chemical test	$3053	$519

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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 Hughes 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 Hughes.

The cheapest car insurance premiums in Lake Hughes are offered by AAA at $808 for a six-month policy. However, it can be as expensive as $680 with companies like Kemper.

Lake Hughes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$808	$137
Capital Insurance Group	$879	$147
Mercury	$1045	$176
Progressive	$1547	$260
Wawanesa	$1879	$320
Farmers	$1995	$336
USAA	$2123	$357
CSAA	$2245	$378
AAA SoCal	$3246	$552
Auto Club	$3714	$619
AAA NorCal	$4279	$728
State Farm	$4567	$769
Allstate	$4702	$792
Travelers	$905	$151
National General	$423	$70
Kemper	$680	$113

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 Hughes are offered by CSAA at $103. However, it can be as expensive as $487 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Lake Hughes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$103	$17
Capital Insurance Group	$565	$94
Mercury	$962	$162
USAA	$1008	$167
Progressive	$1084	$183
AAA NorCal	$1501	$251
AAA SoCal	$1610	$274
Allstate	$1656	$275
State Farm	$1752	$298
Farmers	$2425	$404
AAA	$314	$53
Kemper	$397	$68
National General	$423	$70
State National	$487	$83

Car Insurance Price Trends in Lake Hughes, California

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

The average cost of full coverage in the Lake Hughes rose by $207 in December compared to $205 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Lake Hughes rose to $58 in December, compared to $56 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 Lake Hughes?

The car insurance in Lake Hughes is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Hughes?

The cheapest car insurance in Lake Hughes is $117 per month for full coverage.

How much is car insurance in Lake Hughes for teenagers?

Car insurance for teenagers costs $251 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 Hughes?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $184 per month to insure your car in Lake Hughes.

Is car insurance expensive in Lake Hughes?

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

Cheapest Car Insurance Quotes in Lake Hughes

Why you can trust Way?

How Much Is Car Insurance in Lake Hughes

Avg. Car Insurance in Lake Hughes

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lake Hughes

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Lake Hughes Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Hughes, CA

Way's key takeaways about car insurance in Lake Hughes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Hughes

Cheapest Liability Coverage in Lake Hughes, CA

Cheapest Full Coverage Car Insurance in Lake Hughes

Cheapest Full Coverage Car Insurance Quotes in Lake Hughes, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Hughes by Rating Factor

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

Car Insurance Premiums by Age in Lake Hughes

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Hughes

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

Lake Hughes Car Insurance Rates by Violation

Lake Hughes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Hughes after a DUI

Lake Hughes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Hughes after Speeding ticket

Car Insurance Price Trends in Lake Hughes, California

Average Car Insurance Cost in Lake Hughes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Hughes, CA

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

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