Cheapest Car Insurance Quotes in Lemon Hill

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Lemon Hill Car Insurance

^$ 32

/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 Hill

The car insurance rate in Lemon Hill is $1244 for a six-month policy, which is $233 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $790, making it a popular choice for budget-conscious drivers. Rates in Lemon Hill 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 Hill

$1244

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Lemon Hill

1st place: CSAA

At $790 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1001 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $1059 for six months, making it the third cheapest auto insurance company in Lemon Hill.

Lemon Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lemon Hill, CA is CSAA, offering policies at just $790 for a six-month term. This is followed by USAA, which has an average six-month premium of $1001.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $950 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lemon Hill drivers find the best deals.

Cheap Car Insurance Companies in Lemon Hill, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$790	$133
USAA	$1001	$169
Mercury	$1059	$178
AAA SoCal	$1161	$198
Progressive	$1220	$205
Allstate	$1337	$225
Wawanesa	$1344	$226
AAA NorCal	$1359	$231
Auto Club	$1402	$234
State Farm	$1483	$250
AAA	$1688	$282
Kemper	$1747	$296
Farmers	$1951	$325
Capital Insurance Group	$870	$145
National General	$884	$150
State National	$899	$150
Hartford	$950	$161

Key Takeaways

Way's key takeaways about car insurance in Lemon Hill

The auto insurance costs in Lemon Hill fall around $790 for six months.
The cheapest auto insurance company in Lemon Hill is CSAA.
Teen drivers pay the highest rate in Lemon Hill at $82 per month.

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

Cheapest Minimum Liability Car Insurance in Lemon Hill

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 Hill are given below.

CSAA provides the cheapest minimum car insurance coverage in Lemon Hill. Their Average 6 Month Premium is $189. 21st Century is the most expensive at $497 for the same period.

Cheapest Liability Coverage in Lemon Hill, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$189	$32
AAA	$336	$57
USAA	$351	$59
AAA NorCal	$365	$62
AAA SoCal	$417	$71
Progressive	$424	$71
Auto Club	$431	$74
State Farm	$445	$75
Wawanesa	$453	$76
Mercury	$482	$81
Allstate	$519	$87
Farmers	$621	$103
Kemper	$343	$58
Capital Insurance Group	$373	$64
State National	$395	$68
National General	$490	$81
21st Century	$497	$85

Cheapest Full Coverage Car Insurance in Lemon Hill

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 Hill is CSAA at $133 per month and $790 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lemon Hill, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$790	$133
USAA	$1001	$169
Mercury	$1059	$178
AAA SoCal	$1161	$198
Progressive	$1220	$205
Allstate	$1337	$225
Wawanesa	$1344	$226
AAA NorCal	$1359	$231
Auto Club	$1402	$234
State Farm	$1483	$250
AAA	$1688	$282
Kemper	$1747	$296
Farmers	$1951	$325
Capital Insurance Group	$870	$145
National General	$884	$150
State National	$899	$150
Hartford	$950	$161

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Average Car Insurance in Lemon Hill 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 Hill, CA increasing?

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

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	$720
30s	Wawanesa	$581
40s	Wawanesa	$581
50s	Wawanesa	$581
60s	Wawanesa	$581
70s	Wawanesa	$568

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lemon Hill at $48 per month. At $482 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$285	$48
Capital Insurance Group	$643	$107
USAA	$1534	$258
Mercury	$1556	$262
Wawanesa	$1710	$290
Progressive	$1790	$301
CSAA	$2155	$363
State Farm	$2557	$431
AAA SoCal	$2769	$471
Allstate	$2967	$499
Auto Club	$3164	$538
AAA NorCal	$4215	$702
Farmers	$4304	$732
State National	$460	$76
Marcury	$482	$82

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 Hill.

As young drivers face the highest rates in Lemon Hill, Wawanesa offers the cheapest auto insurance rates at $720 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 Hill.

Car Insurance Rates with An Accident in Lemon Hill

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

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

The cheapest car insurance companies after an at-fault accident in Lemon Hill include AAA and Capital Insurance Group, offering $467 and $672, respectively. 21st Century is an expensive provider with an average six-month premium of $840.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$467	$79
Capital Insurance Group	$672	$114
CSAA	$899	$151
USAA	$1344	$226
Progressive	$1556	$262
Mercury	$1651	$280
Wawanesa	$1899	$316
AAA SoCal	$1995	$339
Auto Club	$2105	$351
Farmers	$2162	$364
State Farm	$2572	$433
AAA NorCal	$2754	$469
Allstate	$3310	$557
State National	$555	$92
Hartford	$643	$109
National General	$738	$123
Nationwide	$796	$135
21st Century	$840	$140

Lemon Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lemon Hill CA. For example, the car insurance in Lemon Hill after a DUI increases to $2140 for a six month policy. While the rate increases by $562 for a six-month policy in the case of a speeding ticket.

Lemon Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1337	$223
Not-at-fault accident	$1337	$228
One comp claim	$1337	$223
One Med/PIP claim	$1337	$228
Two comp claims	$1337	$223
Two Med/PIP claims	$1337	$228
At-fault accident - less than $1000	$1367	$228
Failure to show documents	$1761	$299
Driving with expired registration	$1797	$300
Driving without lights	$1797	$305
Failure to wear a seat belt	$1804	$301
Child safety restraint	$1819	$309
Speeding 11 - 15 MPH over limit	$1892	$315
Speeding 16 - 20 MPH over limit	$1892	$322
Driving too slowly	$1899	$316
Failure to stop at a red light	$1899	$323
Failure to yield	$1899	$316
Following too closely	$1899	$323
Illegal turn	$1899	$316
In 65 MPH zone	$1899	$323
Speeding 21 - 25 MPH over limit	$1899	$316
Speeding 6 - 10 MPH over limit	$1899	$323
Speeding in school zone	$1899	$316
Improper passing	$1907	$325
Cell phone violation	$1914	$319
Texting while driving	$1914	$326
Passing school bus	$1936	$322
Wrong way/wrong lane	$2264	$385
Operating a vehicle without permission	$2316	$386
At-fault accident - $1000-$2000	$2331	$396
At-fault accident - greater than $2000	$2331	$389
Open container	$2338	$397
Driving with a suspended license	$2711	$451
Reckless driving	$3303	$562
Racing	$3339	$556
Leaving scene of an accident/hit and run	$3353	$571
DUI	$3477	$579
Refusal to submit to a chemical test	$3477	$592

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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 Hill 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 Hill.

The cheapest car insurance premiums in Lemon Hill are offered by AAA at $920 for a six-month policy. However, it can be as expensive as $775 with companies like Kemper.

Lemon Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$920	$156
Capital Insurance Group	$1001	$167
Mercury	$1191	$200
Progressive	$1761	$296
Wawanesa	$2140	$364
Farmers	$2272	$383
USAA	$2418	$407
CSAA	$2557	$431
AAA SoCal	$3697	$629
Auto Club	$4230	$705
AAA NorCal	$4873	$829
State Farm	$5202	$876
Allstate	$5355	$902
Travelers	$1031	$172
National General	$482	$80
Kemper	$775	$129

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 Hill are offered by CSAA at $117. However, it can be as expensive as $555 with companies like State National for a similar six-month premium.

Cheapest Car Insurance in Lemon Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$117	$20
Capital Insurance Group	$643	$107
Mercury	$1096	$185
USAA	$1148	$191
Progressive	$1235	$208
AAA NorCal	$1710	$285
AAA SoCal	$1834	$312
Allstate	$1886	$314
State Farm	$1995	$339
Farmers	$2761	$460
AAA	$358	$60
Kemper	$453	$77
National General	$482	$80
State National	$555	$95

Car Insurance Price Trends in Lemon Hill, California

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

The average cost of full coverage in the Lemon Hill rose by $236 in December compared to $234 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 Hill rose to $66 in December, compared to $64 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 Hill?

The car insurance in Lemon Hill is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Lemon Hill?

The cheapest car insurance in Lemon Hill is $133 per month for full coverage.

How much is car insurance in Lemon Hill for teenagers?

Car insurance for teenagers costs $285 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 Hill?

The average cost of car insurance is $1011 for a six-month policy. It will cost around $209 per month to insure your car in Lemon Hill.

Is car insurance expensive in Lemon Hill?

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

Cheapest Car Insurance Quotes in Lemon Hill

Why you can trust Way?

How Much Is Car Insurance in Lemon Hill

Avg. Car Insurance in Lemon Hill

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lemon Hill

1st place: CSAA

2nd place: USAA

3rd place: Mercury

Lemon Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Lemon Hill, CA

Way's key takeaways about car insurance in Lemon Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lemon Hill

Cheapest Liability Coverage in Lemon Hill, CA

Cheapest Full Coverage Car Insurance in Lemon Hill

Cheapest Full Coverage Car Insurance Quotes in Lemon Hill, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lemon Hill by Rating Factor

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

Car Insurance Premiums by Age in Lemon Hill

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Hill

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

Lemon Hill Car Insurance Rates by Violation

Lemon Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lemon Hill after a DUI

Lemon Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lemon Hill after Speeding ticket

Car Insurance Price Trends in Lemon Hill, California

Average Car Insurance Cost in Lemon Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lemon Hill, CA

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

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