Cheapest Car Insurance Quotes in Lemon Grove

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Lemon Grove Car Insurance

^$ 26

/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 Grove

The car insurance rate in Lemon Grove is $1245 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $642, making it a popular choice for budget-conscious drivers. Rates in Lemon Grove 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 Grove

$1245

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Lemon Grove

1st place: CSAA

At $642 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $1028 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 $1045 for six months, making it the third cheapest auto insurance company in Lemon Grove.

Lemon Grove Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lemon Grove, CA is CSAA, offering policies at just $642 for a six-month term. This is followed by Mercury, which has an average six-month premium of $1028.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1372 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lemon Grove drivers find the best deals.

Cheap Car Insurance Companies in Lemon Grove, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$642	$108
Mercury	$1028	$173
AAA NorCal	$1045	$178
Progressive	$1045	$176
Wawanesa	$1093	$184
USAA	$1111	$187
Auto Club	$1140	$194
Allstate	$1271	$214
AAA SoCal	$1342	$228
Kemper	$1420	$237
State Farm	$1521	$256
Travelers	$1699	$283
Farmers	$1705	$290
AAA	$1372	$229

Key Takeaways

Way's key takeaways about car insurance in Lemon Grove

The auto insurance costs in Lemon Grove fall around $642 for six months.
The cheapest auto insurance company in Lemon Grove is CSAA.
Teen drivers pay the highest rate in Lemon Grove at $603 per month.

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Cheapest Minimum Liability Car Insurance in Lemon Grove

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 Grove are given below.

CSAA provides the cheapest minimum car insurance coverage in Lemon Grove. Their Average 6 Month Premium is $154. Travelers is the most expensive at $653 for the same period.

Cheapest Liability Coverage in Lemon Grove, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$154	$26
AAA NorCal	$255	$43
USAA	$291	$49
Progressive	$345	$58
Auto Club	$350	$58
Wawanesa	$368	$62
AAA	$422	$70
AAA SoCal	$428	$73
Mercury	$428	$72
State Farm	$469	$79
Allstate	$541	$91
Farmers	$582	$99
Travelers	$653	$109

Cheapest Full Coverage Car Insurance in Lemon Grove

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 Grove is CSAA at $108 per month and $642 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lemon Grove, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$642	$108
Mercury	$1028	$173
AAA NorCal	$1045	$178
Progressive	$1045	$176
Wawanesa	$1093	$184
USAA	$1111	$187
Auto Club	$1140	$194
Allstate	$1271	$214
AAA SoCal	$1342	$228
Kemper	$1420	$237
State Farm	$1521	$256
Travelers	$1699	$283
Farmers	$1705	$290
AAA	$1372	$229

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Average Car Insurance in Lemon Grove 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 Grove, CA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lemon Grove, 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 Grove'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 Grove

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	$600
30s	Wawanesa	$484
40s	Wawanesa	$484
50s	Wawanesa	$484
60s	Wawanesa	$484
70s	Wawanesa	$474

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lemon Grove at $71 per month. At $3617 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$416	$71
Capital Insurance Group	$523	$87
USAA	$1360	$229
Wawanesa	$1390	$232
Progressive	$1592	$268
Mercury	$1651	$278
CSAA	$1752	$295
Auto Club	$2572	$429
State Farm	$2625	$442
Allstate	$3053	$514
AAA SoCal	$3231	$549
AAA NorCal	$3273	$545
Travelers	$3398	$578
Farmers	$3617	$603

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 Grove.

As young drivers face the highest rates in Lemon Grove, Wawanesa offers the cheapest auto insurance rates at $600 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 Lemon Grove.

Car Insurance Rates with An Accident in Lemon Grove

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

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

The cheapest car insurance companies after an at-fault accident in Lemon Grove include AAA and Capital Insurance Group, offering $374 and $546, respectively. Allstate is an expensive provider with an average six-month premium of $3451.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$374	$62
Capital Insurance Group	$546	$93
CSAA	$731	$123
USAA	$1200	$202
Mercury	$1313	$221
Progressive	$1372	$231
Wawanesa	$1544	$257
Auto Club	$1711	$291
Farmers	$1871	$315
AAA NorCal	$2121	$361
AAA SoCal	$2299	$383
State Farm	$2715	$457
Travelers	$3273	$545
Allstate	$3451	$581

Lemon Grove Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lemon Grove CA. For example, the car insurance in Lemon Grove after a DUI increases to $1740 for a six month policy. While the rate increases by $457 for a six-month policy in the case of a speeding ticket.

Lemon Grove auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1087	$181
Not-at-fault accident	$1087	$185
One comp claim	$1087	$181
One Med/PIP claim	$1087	$185
Two comp claims	$1087	$181
Two Med/PIP claims	$1087	$185
At-fault accident - less than $1000	$1111	$185
Failure to show documents	$1432	$243
Driving with expired registration	$1461	$244
Driving without lights	$1461	$248
Failure to wear a seat belt	$1467	$245
Child safety restraint	$1479	$251
Speeding 11 - 15 MPH over limit	$1538	$256
Speeding 16 - 20 MPH over limit	$1538	$262
Driving too slowly	$1544	$257
Failure to stop at a red light	$1544	$263
Failure to yield	$1544	$257
Following too closely	$1544	$263
Illegal turn	$1544	$257
In 65 MPH zone	$1544	$263
Speeding 21 - 25 MPH over limit	$1544	$257
Speeding 6 - 10 MPH over limit	$1544	$263
Speeding in school zone	$1544	$257
Improper passing	$1550	$264
Cell phone violation	$1556	$259
Texting while driving	$1556	$265
Passing school bus	$1574	$262
Wrong way/wrong lane	$1841	$313
Operating a vehicle without permission	$1883	$314
At-fault accident - $1000-$2000	$1895	$322
At-fault accident - greater than $2000	$1895	$316
Open container	$1901	$323
Driving with a suspended license	$2204	$367
Reckless driving	$2685	$457
Racing	$2715	$452
Leaving scene of an accident/hit and run	$2726	$464
DUI	$2827	$471
Refusal to submit to a chemical test	$2827	$481

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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 Grove 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 Grove.

The cheapest car insurance premiums in Lemon Grove are offered by Capital Insurance Group at $814 for a six-month policy. However, it can be as expensive as $748 with companies like AAA.

Lemon Grove car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$814	$136
Mercury	$1164	$196
Progressive	$1544	$260
Wawanesa	$1740	$296
Farmers	$1954	$329
CSAA	$2079	$350
USAA	$2144	$361
Travelers	$2435	$410
Auto Club	$3439	$573
AAA NorCal	$3760	$639
AAA SoCal	$4217	$703
State Farm	$5352	$901
Allstate	$5453	$918
AAA	$748	$127

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 Grove are offered by CSAA at $95. However, it can be as expensive as $2614 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Lemon Grove after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$95	$16
Capital Insurance Group	$523	$89
Mercury	$1123	$189
USAA	$1146	$195
Progressive	$1152	$194
AAA NorCal	$1325	$225
AAA SoCal	$1835	$306
Allstate	$2328	$396
Farmers	$2424	$404
State Farm	$2590	$440
Travelers	$2614	$436

Car Insurance Price Trends in Lemon Grove, California

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

The average cost of full coverage in the Lemon Grove rose by $212 in January compared to $192 of December. In other words, there has been an increase by $20 when you compare January and December.

The average cost of liability insurance in the Lemon Grove rose to $61 in January, compared to $55 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lemon Grove?

The car insurance in Lemon Grove is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Lemon Grove?

The cheapest car insurance in Lemon Grove is $108 per month for full coverage.

How much is car insurance in Lemon Grove for teenagers?

Car insurance for teenagers costs $416 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 Grove?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $209 per month to insure your car in Lemon Grove.

Is car insurance expensive in Lemon Grove?

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

Cheapest Car Insurance Quotes in Lemon Grove

Why you can trust Way?

How Much Is Car Insurance in Lemon Grove

Avg. Car Insurance in Lemon Grove

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lemon Grove

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Lemon Grove Car Insurance Rates by Company

Cheap Car Insurance Companies in Lemon Grove, CA

Way's key takeaways about car insurance in Lemon Grove

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lemon Grove

Cheapest Liability Coverage in Lemon Grove, CA

Cheapest Full Coverage Car Insurance in Lemon Grove

Cheapest Full Coverage Car Insurance Quotes in Lemon Grove, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lemon Grove by Rating Factor

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

Car Insurance Premiums by Age in Lemon Grove

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Grove

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

Lemon Grove Car Insurance Rates by Violation

Lemon Grove auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lemon Grove after a DUI

Lemon Grove car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lemon Grove after Speeding ticket

Car Insurance Price Trends in Lemon Grove, California

Average Car Insurance Cost in Lemon Grove by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lemon Grove, CA

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

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