Cheapest Car Insurance Quotes in Lemon Cove

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Lemon Cove Car Insurance

^$ 24

/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 Lemon Cove

The car insurance rate in Lemon Cove is $920 for a six-month policy, which is $91 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $584, making it a popular choice for budget-conscious drivers. Rates in Lemon Cove 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 Lemon Cove

$920

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Lemon Cove

1st place: CSAA

At $584 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $741 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $784 for six months, making it the third cheapest auto insurance company in Lemon Cove.

Lemon Cove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lemon Cove, CA is CSAA, offering policies at just $584 for a six-month term. This is followed by USAA, which has an average six-month premium of $741.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $703 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lemon Cove drivers find the best deals.

Cheap Car Insurance Companies in Lemon Cove, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$584	$98
USAA	$741	$125
Mercury	$784	$132
AAA SoCal	$859	$147
Progressive	$903	$152
Allstate	$989	$167
Wawanesa	$995	$167
AAA NorCal	$1006	$171
Auto Club	$1037	$173
State Farm	$1097	$185
AAA	$1249	$208
Kemper	$1292	$219
Farmers	$1443	$240
Capital Insurance Group	$643	$107
National General	$654	$111
State National	$665	$111
Hartford	$703	$119

Key Takeaways

Way's key takeaways about car insurance in Lemon Cove

The auto insurance costs in Lemon Cove fall around $584 for six months.
The cheapest auto insurance company in Lemon Cove is CSAA.
Teen drivers pay the highest rate in Lemon Cove at $61 per month.

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Cheapest Minimum Liability Car Insurance in Lemon Cove

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 Lemon Cove are given below.

CSAA provides the cheapest minimum car insurance coverage in Lemon Cove. Their Average 6 Month Premium is $140. 21st Century is the most expensive at $368 for the same period.

Cheapest Liability Coverage in Lemon Cove, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$140	$24
AAA	$248	$42
USAA	$259	$44
AAA NorCal	$270	$46
AAA SoCal	$308	$53
Progressive	$314	$53
Auto Club	$319	$55
State Farm	$329	$56
Wawanesa	$335	$56
Mercury	$357	$60
Allstate	$384	$65
Farmers	$460	$76
Kemper	$254	$43
Capital Insurance Group	$276	$47
State National	$292	$50
National General	$362	$60
21st Century	$368	$63

Cheapest Full Coverage Car Insurance in Lemon Cove

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 Lemon Cove is CSAA at $98 per month and $584 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lemon Cove, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$584	$98
USAA	$741	$125
Mercury	$784	$132
AAA SoCal	$859	$147
Progressive	$903	$152
Allstate	$989	$167
Wawanesa	$995	$167
AAA NorCal	$1006	$171
Auto Club	$1037	$173
State Farm	$1097	$185
AAA	$1249	$208
Kemper	$1292	$219
Farmers	$1443	$240
Capital Insurance Group	$643	$107
National General	$654	$111
State National	$665	$111
Hartford	$703	$119

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Average Car Insurance in Lemon Cove 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 Lemon Cove, CA increasing?

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

Car Insurance Premiums by Age in Lemon Cove

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	$532
30s	Wawanesa	$430
40s	Wawanesa	$430
50s	Wawanesa	$430
60s	Wawanesa	$430
70s	Wawanesa	$420

Cheapest Car Insurance Rates for Teen Drivers in Lemon Cove,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lemon Cove at $35 per month. At $357 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$211	$35
Capital Insurance Group	$476	$79
USAA	$1135	$191
Mercury	$1151	$194
Wawanesa	$1265	$215
Progressive	$1324	$223
CSAA	$1594	$268
State Farm	$1892	$319
AAA SoCal	$2048	$349
Allstate	$2195	$369
Auto Club	$2341	$398
AAA NorCal	$3119	$520
Farmers	$3184	$541
State National	$340	$56
Marcury	$357	$61

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 Lemon Cove.

As young drivers face the highest rates in Lemon Cove, Wawanesa offers the cheapest auto insurance rates at $532 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 Lemon Cove.

Car Insurance Rates with An Accident in Lemon Cove

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

Cheapest Car Insurance Companies after an At-Fault Accident in Lemon Cove

The cheapest car insurance companies after an at-fault accident in Lemon Cove include AAA and Capital Insurance Group, offering $346 and $497, respectively. 21st Century is an expensive provider with an average six-month premium of $622.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$346	$58
Capital Insurance Group	$497	$85
CSAA	$665	$112
USAA	$995	$167
Progressive	$1151	$194
Mercury	$1221	$207
Wawanesa	$1405	$234
AAA SoCal	$1476	$251
Auto Club	$1557	$259
Farmers	$1600	$269
State Farm	$1903	$320
AAA NorCal	$2037	$347
Allstate	$2449	$412
State National	$410	$68
Hartford	$476	$81
National General	$546	$91
Nationwide	$589	$100
21st Century	$622	$104

Lemon Cove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lemon Cove CA. For example, the car insurance in Lemon Cove after a DUI increases to $1584 for a six month policy. While the rate increases by $416 for a six-month policy in the case of a speeding ticket.

Lemon Cove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$989	$165
Not-at-fault accident	$989	$168
One comp claim	$989	$165
One Med/PIP claim	$989	$168
Two comp claims	$989	$165
Two Med/PIP claims	$989	$168
At-fault accident - less than $1000	$1011	$168
Failure to show documents	$1303	$221
Driving with expired registration	$1330	$222
Driving without lights	$1330	$226
Failure to wear a seat belt	$1335	$223
Child safety restraint	$1346	$228
Speeding 11 - 15 MPH over limit	$1400	$233
Speeding 16 - 20 MPH over limit	$1400	$238
Driving too slowly	$1405	$234
Failure to stop at a red light	$1405	$239
Failure to yield	$1405	$234
Following too closely	$1405	$239
Illegal turn	$1405	$234
In 65 MPH zone	$1405	$239
Speeding 21 - 25 MPH over limit	$1405	$234
Speeding 6 - 10 MPH over limit	$1405	$239
Speeding in school zone	$1405	$234
Improper passing	$1411	$240
Cell phone violation	$1416	$236
Texting while driving	$1416	$241
Passing school bus	$1432	$238
Wrong way/wrong lane	$1675	$285
Operating a vehicle without permission	$1714	$286
At-fault accident - $1000-$2000	$1724	$293
At-fault accident - greater than $2000	$1724	$288
Open container	$1730	$294
Driving with a suspended license	$2006	$334
Reckless driving	$2443	$416
Racing	$2471	$411
Leaving scene of an accident/hit and run	$2481	$422
DUI	$2573	$429
Refusal to submit to a chemical test	$2573	$438

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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 Lemon Cove 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 Lemon Cove.

The cheapest car insurance premiums in Lemon Cove are offered by AAA at $681 for a six-month policy. However, it can be as expensive as $573 with companies like Kemper.

Lemon Cove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$681	$116
Capital Insurance Group	$741	$124
Mercury	$881	$148
Progressive	$1303	$219
Wawanesa	$1583	$269
Farmers	$1681	$283
USAA	$1789	$301
CSAA	$1892	$319
AAA SoCal	$2735	$465
Auto Club	$3129	$521
AAA NorCal	$3605	$613
State Farm	$3848	$648
Allstate	$3962	$667
Travelers	$763	$127
National General	$357	$59
Kemper	$573	$96

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 Lemon Cove are offered by CSAA at $86. However, it can be as expensive as $410 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Lemon Cove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$86	$15
Capital Insurance Group	$476	$79
Mercury	$811	$137
USAA	$849	$141
Progressive	$914	$154
AAA NorCal	$1265	$211
AAA SoCal	$1357	$231
Allstate	$1395	$232
State Farm	$1476	$251
Farmers	$2043	$340
AAA	$265	$45
Kemper	$335	$57
National General	$357	$59
State National	$410	$70

Car Insurance Price Trends in Lemon Cove, California

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

The average cost of full coverage in the Lemon Cove rose by $175 in December compared to $173 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 Lemon Cove rose to $49 in December, compared to $47 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 Lemon Cove?

The car insurance in Lemon Cove is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Lemon Cove?

The cheapest car insurance in Lemon Cove is $98 per month for full coverage.

How much is car insurance in Lemon Cove for teenagers?

Car insurance for teenagers costs $211 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 Lemon Cove?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $155 per month to insure your car in Lemon Cove.

Is car insurance expensive in Lemon Cove?

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

Cheapest Car Insurance Quotes in Lemon Cove

Why you can trust Way?

How Much Is Car Insurance in Lemon Cove

Avg. Car Insurance in Lemon Cove

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lemon Cove

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Lemon Cove Car Insurance Rates by Company

Cheap Car Insurance Companies in Lemon Cove, CA

Way's key takeaways about car insurance in Lemon Cove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lemon Cove

Cheapest Liability Coverage in Lemon Cove, CA

Cheapest Full Coverage Car Insurance in Lemon Cove

Cheapest Full Coverage Car Insurance Quotes in Lemon Cove, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lemon Cove by Rating Factor

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

Car Insurance Premiums by Age in Lemon Cove

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lemon Cove,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Lemon Cove.

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 Lemon Cove

Cheapest Car Insurance Companies after an At-Fault Accident in Lemon Cove

Lemon Cove Car Insurance Rates by Violation

Lemon Cove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lemon Cove after a DUI

Lemon Cove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lemon Cove after Speeding ticket

Car Insurance Price Trends in Lemon Cove, California

Average Car Insurance Cost in Lemon Cove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lemon Cove, CA

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

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