Cheapest Car Insurance Quotes in Lower Lake

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Lower Lake 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 Lower Lake

The car insurance rate in Lower Lake is $1170 for a six-month policy, which is $75 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $603, making it a popular choice for budget-conscious drivers. Rates in Lower Lake 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 Lower Lake

$1170

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Lower Lake

1st place: CSAA

At $603 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $966 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 $982 for six months, making it the third cheapest auto insurance company in Lower Lake.

Lower Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lower Lake, CA is CSAA, offering policies at just $603 for a six-month term. This is followed by Mercury, which has an average six-month premium of $966.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1290 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lower Lake drivers find the best deals.

Cheap Car Insurance Companies in Lower Lake, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$603	$102
Mercury	$966	$163
AAA NorCal	$982	$167
Progressive	$982	$165
Wawanesa	$1027	$173
USAA	$1044	$176
Auto Club	$1072	$182
Allstate	$1195	$201
AAA SoCal	$1261	$214
Kemper	$1335	$223
State Farm	$1430	$241
Travelers	$1597	$266
Farmers	$1603	$273
AAA	$1290	$215

Key Takeaways

Way's key takeaways about car insurance in Lower Lake

The auto insurance costs in Lower Lake fall around $603 for six months.
The cheapest auto insurance company in Lower Lake is CSAA.
Teen drivers pay the highest rate in Lower Lake at $567 per month.

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Cheapest Minimum Liability Car Insurance in Lower Lake

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 Lower Lake are given below.

CSAA provides the cheapest minimum car insurance coverage in Lower Lake. Their Average 6 Month Premium is $145. Travelers is the most expensive at $614 for the same period.

Cheapest Liability Coverage in Lower Lake, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$145	$24
AAA NorCal	$240	$40
USAA	$274	$46
Progressive	$324	$55
Auto Club	$329	$55
Wawanesa	$346	$58
AAA	$397	$66
AAA SoCal	$402	$69
Mercury	$402	$68
State Farm	$441	$74
Allstate	$509	$86
Farmers	$547	$93
Travelers	$614	$102

Cheapest Full Coverage Car Insurance in Lower Lake

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 Lower Lake is CSAA at $102 per month and $603 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lower Lake, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$603	$102
Mercury	$966	$163
AAA NorCal	$982	$167
Progressive	$982	$165
Wawanesa	$1027	$173
USAA	$1044	$176
Auto Club	$1072	$182
Allstate	$1195	$201
AAA SoCal	$1261	$214
Kemper	$1335	$223
State Farm	$1430	$241
Travelers	$1597	$266
Farmers	$1603	$273
AAA	$1290	$215

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Average Car Insurance in Lower Lake 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 Lower Lake, CA increasing?

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

Car Insurance Premiums by Age in Lower Lake

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	$564
30s	Wawanesa	$455
40s	Wawanesa	$455
50s	Wawanesa	$455
60s	Wawanesa	$455
70s	Wawanesa	$446

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

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lower Lake at $67 per month. At $3400 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$391	$67
Capital Insurance Group	$492	$82
USAA	$1278	$215
Wawanesa	$1307	$218
Progressive	$1496	$252
Mercury	$1552	$261
CSAA	$1647	$277
Auto Club	$2418	$403
State Farm	$2468	$415
Allstate	$2870	$483
AAA SoCal	$3037	$516
AAA NorCal	$3077	$512
Travelers	$3194	$543
Farmers	$3400	$567

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 Lower Lake.

As young drivers face the highest rates in Lower Lake, Wawanesa offers the cheapest auto insurance rates at $564 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 Lower Lake.

Car Insurance Rates with An Accident in Lower Lake

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

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

The cheapest car insurance companies after an at-fault accident in Lower Lake include AAA and Capital Insurance Group, offering $352 and $513, respectively. Allstate is an expensive provider with an average six-month premium of $3244.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$352	$58
Capital Insurance Group	$513	$87
CSAA	$687	$116
USAA	$1128	$190
Mercury	$1234	$208
Progressive	$1290	$217
Wawanesa	$1451	$242
Auto Club	$1608	$274
Farmers	$1759	$296
AAA NorCal	$1994	$339
AAA SoCal	$2161	$360
State Farm	$2552	$430
Travelers	$3077	$512
Allstate	$3244	$546

Lower Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lower Lake CA. For example, the car insurance in Lower Lake after a DUI increases to $1635 for a six month policy. While the rate increases by $429 for a six-month policy in the case of a speeding ticket.

Lower Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1022	$170
Not-at-fault accident	$1022	$174
One comp claim	$1022	$170
One Med/PIP claim	$1022	$174
Two comp claims	$1022	$170
Two Med/PIP claims	$1022	$174
At-fault accident - less than $1000	$1044	$174
Failure to show documents	$1346	$228
Driving with expired registration	$1373	$229
Driving without lights	$1373	$233
Failure to wear a seat belt	$1379	$230
Child safety restraint	$1390	$236
Speeding 11 - 15 MPH over limit	$1446	$241
Speeding 16 - 20 MPH over limit	$1446	$246
Driving too slowly	$1451	$242
Failure to stop at a red light	$1451	$247
Failure to yield	$1451	$242
Following too closely	$1451	$247
Illegal turn	$1451	$242
In 65 MPH zone	$1451	$247
Speeding 21 - 25 MPH over limit	$1451	$242
Speeding 6 - 10 MPH over limit	$1451	$247
Speeding in school zone	$1451	$242
Improper passing	$1457	$248
Cell phone violation	$1463	$243
Texting while driving	$1463	$249
Passing school bus	$1480	$246
Wrong way/wrong lane	$1731	$294
Operating a vehicle without permission	$1770	$295
At-fault accident - $1000-$2000	$1781	$303
At-fault accident - greater than $2000	$1781	$297
Open container	$1787	$304
Driving with a suspended license	$2072	$345
Reckless driving	$2524	$430
Racing	$2552	$425
Leaving scene of an accident/hit and run	$2562	$436
DUI	$2657	$443
Refusal to submit to a chemical test	$2657	$452

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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 Lower Lake 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 Lower Lake.

The cheapest car insurance premiums in Lower Lake are offered by Capital Insurance Group at $765 for a six-month policy. However, it can be as expensive as $703 with companies like AAA.

Lower Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$765	$128
Mercury	$1094	$184
Progressive	$1451	$244
Wawanesa	$1636	$278
Farmers	$1837	$309
CSAA	$1954	$329
USAA	$2015	$339
Travelers	$2289	$385
Auto Club	$3233	$539
AAA NorCal	$3534	$601
AAA SoCal	$3964	$661
State Farm	$5031	$847
Allstate	$5126	$863
AAA	$703	$119

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 Lower Lake are offered by CSAA at $89. However, it can be as expensive as $2457 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Lower Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$89	$15
Capital Insurance Group	$492	$84
Mercury	$1056	$178
USAA	$1077	$183
Progressive	$1083	$182
AAA NorCal	$1246	$212
AAA SoCal	$1725	$288
Allstate	$2188	$372
Farmers	$2279	$380
State Farm	$2435	$414
Travelers	$2457	$410

Car Insurance Price Trends in Lower Lake, California

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

The average cost of full coverage in the Lower Lake rose by $199 in January compared to $180 of December. In other words, there has been an increase by $19 when you compare January and December.

The average cost of liability insurance in the Lower Lake rose to $57 in January, compared to $52 in December. This represents an increase of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lower Lake?

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

What is the cheapest car insurance in Lower Lake?

The cheapest car insurance in Lower Lake is $102 per month for full coverage.

How much is car insurance in Lower Lake for teenagers?

Car insurance for teenagers costs $391 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 Lower Lake?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $196 per month to insure your car in Lower Lake.

Is car insurance expensive in Lower Lake?

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

Cheapest Car Insurance Quotes in Lower Lake

Why you can trust Way?

How Much Is Car Insurance in Lower Lake

Avg. Car Insurance in Lower Lake

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lower Lake

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Lower Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in Lower Lake, CA

Way's key takeaways about car insurance in Lower Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lower Lake

Cheapest Liability Coverage in Lower Lake, CA

Cheapest Full Coverage Car Insurance in Lower Lake

Cheapest Full Coverage Car Insurance Quotes in Lower Lake, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lower Lake by Rating Factor

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

Car Insurance Premiums by Age in Lower Lake

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Lower Lake

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

Lower Lake Car Insurance Rates by Violation

Lower Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lower Lake after a DUI

Lower Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lower Lake after Speeding ticket

Car Insurance Price Trends in Lower Lake, California

Average Car Insurance Cost in Lower Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lower Lake, CA

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

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