Cheapest Car Insurance Quotes in Lake Mathews

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Lake Mathews Car Insurance

^$ 29

/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 Mathews

The car insurance rate in Lake Mathews is $1112 for a six-month policy, which is $101 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $706, making it a popular choice for budget-conscious drivers. Rates in Lake Mathews 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 Mathews

$1112

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Lake Mathews

1st place: CSAA

At $706 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $895 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $947 for six months, making it the third cheapest auto insurance company in Lake Mathews.

Lake Mathews Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Mathews, CA is CSAA, offering policies at just $706 for a six-month term. This is followed by USAA, which has an average six-month premium of $895.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $849 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Mathews drivers find the best deals.

Cheap Car Insurance Companies in Lake Mathews, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$706	$119
USAA	$895	$151
Mercury	$947	$160
AAA SoCal	$1038	$177
Progressive	$1091	$184
Allstate	$1196	$201
Wawanesa	$1202	$202
AAA NorCal	$1216	$207
Auto Club	$1254	$209
State Farm	$1327	$223
AAA	$1509	$252
Kemper	$1562	$265
Farmers	$1745	$290
Capital Insurance Group	$778	$130
National General	$791	$134
State National	$804	$134
Hartford	$849	$144

Key Takeaways

Way's key takeaways about car insurance in Lake Mathews

The auto insurance costs in Lake Mathews fall around $706 for six months.
The cheapest auto insurance company in Lake Mathews is CSAA.
Teen drivers pay the highest rate in Lake Mathews at $74 per month.

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Cheapest Minimum Liability Car Insurance in Lake Mathews

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 Mathews are given below.

CSAA provides the cheapest minimum car insurance coverage in Lake Mathews. Their Average 6 Month Premium is $169. 21st Century is the most expensive at $444 for the same period.

Cheapest Liability Coverage in Lake Mathews, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$169	$29
AAA	$300	$51
USAA	$314	$53
AAA NorCal	$327	$55
AAA SoCal	$373	$64
Progressive	$380	$64
Auto Club	$385	$66
State Farm	$398	$67
Wawanesa	$405	$68
Mercury	$431	$73
Allstate	$464	$78
Farmers	$556	$92
Kemper	$307	$52
Capital Insurance Group	$333	$57
State National	$353	$61
National General	$438	$73
21st Century	$444	$76

Cheapest Full Coverage Car Insurance in Lake Mathews

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 Mathews is CSAA at $119 per month and $706 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Mathews, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$706	$119
USAA	$895	$151
Mercury	$947	$160
AAA SoCal	$1038	$177
Progressive	$1091	$184
Allstate	$1196	$201
Wawanesa	$1202	$202
AAA NorCal	$1216	$207
Auto Club	$1254	$209
State Farm	$1327	$223
AAA	$1509	$252
Kemper	$1562	$265
Farmers	$1745	$290
Capital Insurance Group	$778	$130
National General	$791	$134
State National	$804	$134
Hartford	$849	$144

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Average Car Insurance in Lake Mathews 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 Mathews, CA increasing?

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

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	$644
30s	Wawanesa	$519
40s	Wawanesa	$519
50s	Wawanesa	$519
60s	Wawanesa	$519
70s	Wawanesa	$508

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lake Mathews at $43 per month. At $431 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$255	$43
Capital Insurance Group	$575	$96
USAA	$1372	$231
Mercury	$1392	$234
Wawanesa	$1529	$260
Progressive	$1601	$270
CSAA	$1927	$325
State Farm	$2287	$385
AAA SoCal	$2476	$421
Allstate	$2653	$447
Auto Club	$2829	$481
AAA NorCal	$3770	$628
Farmers	$3849	$655
State National	$411	$68
Marcury	$431	$74

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 Mathews.

As young drivers face the highest rates in Lake Mathews, Wawanesa offers the cheapest auto insurance rates at $644 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 Mathews.

Car Insurance Rates with An Accident in Lake Mathews

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

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

The cheapest car insurance companies after an at-fault accident in Lake Mathews include AAA and Capital Insurance Group, offering $418 and $601, respectively. 21st Century is an expensive provider with an average six-month premium of $751.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$418	$70
Capital Insurance Group	$601	$102
CSAA	$804	$135
USAA	$1202	$202
Progressive	$1392	$234
Mercury	$1476	$251
Wawanesa	$1698	$283
AAA SoCal	$1784	$304
Auto Club	$1882	$314
Farmers	$1934	$326
State Farm	$2300	$387
AAA NorCal	$2463	$419
Allstate	$2960	$498
State National	$496	$83
Hartford	$575	$98
National General	$660	$110
Nationwide	$712	$121
21st Century	$751	$125

Lake Mathews Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Mathews CA. For example, the car insurance in Lake Mathews after a DUI increases to $1914 for a six month policy. While the rate increases by $502 for a six-month policy in the case of a speeding ticket.

Lake Mathews auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1196	$199
Not-at-fault accident	$1196	$204
One comp claim	$1196	$199
One Med/PIP claim	$1196	$204
Two comp claims	$1196	$199
Two Med/PIP claims	$1196	$204
At-fault accident - less than $1000	$1222	$204
Failure to show documents	$1575	$267
Driving with expired registration	$1607	$268
Driving without lights	$1607	$273
Failure to wear a seat belt	$1614	$270
Child safety restraint	$1627	$276
Speeding 11 - 15 MPH over limit	$1692	$282
Speeding 16 - 20 MPH over limit	$1692	$288
Driving too slowly	$1698	$283
Failure to stop at a red light	$1698	$289
Failure to yield	$1698	$283
Following too closely	$1698	$289
Illegal turn	$1698	$283
In 65 MPH zone	$1698	$289
Speeding 21 - 25 MPH over limit	$1698	$283
Speeding 6 - 10 MPH over limit	$1698	$289
Speeding in school zone	$1698	$283
Improper passing	$1705	$290
Cell phone violation	$1712	$285
Texting while driving	$1712	$292
Passing school bus	$1731	$288
Wrong way/wrong lane	$2025	$344
Operating a vehicle without permission	$2071	$345
At-fault accident - $1000-$2000	$2085	$354
At-fault accident - greater than $2000	$2085	$348
Open container	$2091	$355
Driving with a suspended license	$2424	$404
Reckless driving	$2954	$503
Racing	$2987	$497
Leaving scene of an accident/hit and run	$2999	$510
DUI	$3110	$518
Refusal to submit to a chemical test	$3110	$529

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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 Mathews 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 Mathews.

The cheapest car insurance premiums in Lake Mathews are offered by AAA at $823 for a six-month policy. However, it can be as expensive as $693 with companies like Kemper.

Lake Mathews car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$823	$140
Capital Insurance Group	$895	$150
Mercury	$1065	$179
Progressive	$1575	$265
Wawanesa	$1914	$326
Farmers	$2032	$342
USAA	$2163	$364
CSAA	$2287	$385
AAA SoCal	$3307	$562
Auto Club	$3783	$630
AAA NorCal	$4358	$741
State Farm	$4652	$783
Allstate	$4789	$806
Travelers	$922	$154
National General	$431	$72
Kemper	$693	$116

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 Mathews are offered by CSAA at $105. However, it can be as expensive as $496 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Lake Mathews after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$105	$18
Capital Insurance Group	$575	$96
Mercury	$980	$165
USAA	$1026	$171
Progressive	$1104	$186
AAA NorCal	$1529	$255
AAA SoCal	$1640	$279
Allstate	$1686	$281
State Farm	$1784	$304
Farmers	$2470	$411
AAA	$320	$54
Kemper	$405	$69
National General	$431	$72
State National	$496	$85

Car Insurance Price Trends in Lake Mathews, California

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

The average cost of full coverage in the Lake Mathews rose by $211 in December compared to $209 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 Mathews rose to $59 in December, compared to $57 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 Mathews?

The car insurance in Lake Mathews is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Mathews?

The cheapest car insurance in Lake Mathews is $119 per month for full coverage.

How much is car insurance in Lake Mathews for teenagers?

Car insurance for teenagers costs $255 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 Mathews?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $187 per month to insure your car in Lake Mathews.

Is car insurance expensive in Lake Mathews?

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

Cheapest Car Insurance Quotes in Lake Mathews

Why you can trust Way?

How Much Is Car Insurance in Lake Mathews

Avg. Car Insurance in Lake Mathews

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lake Mathews

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Lake Mathews Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Mathews, CA

Way's key takeaways about car insurance in Lake Mathews

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Mathews

Cheapest Liability Coverage in Lake Mathews, CA

Cheapest Full Coverage Car Insurance in Lake Mathews

Cheapest Full Coverage Car Insurance Quotes in Lake Mathews, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Mathews by Rating Factor

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

Car Insurance Premiums by Age in Lake Mathews

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Mathews

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

Lake Mathews Car Insurance Rates by Violation

Lake Mathews auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Mathews after a DUI

Lake Mathews car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Mathews after Speeding ticket

Car Insurance Price Trends in Lake Mathews, California

Average Car Insurance Cost in Lake Mathews by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Mathews, CA

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

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