Cheapest Car Insurance Quotes in Lucas Valley-Marinwood

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Lucas Valley-Marinwood 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 Lucas Valley-Marinwood

The car insurance rate in Lucas Valley-Marinwood is $1145 for a six-month policy, which is $100 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, making it a popular choice for budget-conscious drivers. Rates in Lucas Valley-Marinwood 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 Lucas Valley-Marinwood

$1145

Avg. Car Insurance in California

$1245

National Average

$1278

Cheapest Car Insurance Companies in Lucas Valley-Marinwood

1st place: CSAA

At $591 for a six month policy, CSAA offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $946 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 $961 for six months, making it the third cheapest auto insurance company in Lucas Valley-Marinwood.

Lucas Valley-Marinwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lucas Valley-Marinwood, CA is CSAA, offering policies at just $591 for a six-month term. This is followed by Mercury, which has an average six-month premium of $946.

At the higher end of the spectrum, AAA is the most expensive, with rates reaching $1262 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lucas Valley-Marinwood drivers find the best deals.

Cheap Car Insurance Companies in Lucas Valley-Marinwood, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$591	$99
Mercury	$946	$159
AAA NorCal	$961	$164
Progressive	$961	$162
Wawanesa	$1006	$169
USAA	$1022	$172
Auto Club	$1049	$178
Allstate	$1169	$197
AAA SoCal	$1235	$210
Kemper	$1306	$218
State Farm	$1399	$236
Travelers	$1563	$260
Farmers	$1569	$267
AAA	$1262	$211

Key Takeaways

Way's key takeaways about car insurance in Lucas Valley-Marinwood

The auto insurance costs in Lucas Valley-Marinwood fall around $591 for six months.
The cheapest auto insurance company in Lucas Valley-Marinwood is CSAA.
Teen drivers pay the highest rate in Lucas Valley-Marinwood at $555 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Lucas Valley-Marinwood

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 Lucas Valley-Marinwood are given below.

CSAA provides the cheapest minimum car insurance coverage in Lucas Valley-Marinwood. Their Average 6 Month Premium is $142. Travelers is the most expensive at $601 for the same period.

Cheapest Liability Coverage in Lucas Valley-Marinwood, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$142	$24
AAA NorCal	$235	$40
USAA	$268	$45
Progressive	$317	$53
Auto Club	$322	$53
Wawanesa	$339	$57
AAA	$388	$64
AAA SoCal	$394	$67
Mercury	$394	$66
State Farm	$431	$73
Allstate	$498	$84
Farmers	$535	$91
Travelers	$601	$100

Cheapest Full Coverage Car Insurance in Lucas Valley-Marinwood

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 Lucas Valley-Marinwood is CSAA at $99 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lucas Valley-Marinwood, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$591	$99
Mercury	$946	$159
AAA NorCal	$961	$164
Progressive	$961	$162
Wawanesa	$1006	$169
USAA	$1022	$172
Auto Club	$1049	$178
Allstate	$1169	$197
AAA SoCal	$1235	$210
Kemper	$1306	$218
State Farm	$1399	$236
Travelers	$1563	$260
Farmers	$1569	$267
AAA	$1262	$211

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Average Car Insurance in Lucas Valley-Marinwood 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 Lucas Valley-Marinwood, CA increasing?

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

Car Insurance Premiums by Age in Lucas Valley-Marinwood

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	$552
30s	Wawanesa	$445
40s	Wawanesa	$445
50s	Wawanesa	$445
60s	Wawanesa	$445
70s	Wawanesa	$436

Cheapest Car Insurance Rates for Teen Drivers in Lucas Valley-Marinwood,CA

If you are planning to get a car insurance policy for your teenage dependent, AAA provides the cheapest car insurance in the Lucas Valley-Marinwood at $65 per month. At $3328 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$383	$65
Capital Insurance Group	$481	$80
USAA	$1251	$211
Wawanesa	$1279	$213
Progressive	$1465	$247
Mercury	$1519	$256
CSAA	$1612	$271
Auto Club	$2366	$395
State Farm	$2415	$407
Allstate	$2809	$473
AAA SoCal	$2973	$505
AAA NorCal	$3011	$501
Travelers	$3126	$532
Farmers	$3328	$555

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 Lucas Valley-Marinwood.

As young drivers face the highest rates in Lucas Valley-Marinwood, Wawanesa offers the cheapest auto insurance rates at $552 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 Lucas Valley-Marinwood.

Car Insurance Rates with An Accident in Lucas Valley-Marinwood

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 Lucas Valley-Marinwood, CA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lucas Valley-Marinwood

The cheapest car insurance companies after an at-fault accident in Lucas Valley-Marinwood include AAA and Capital Insurance Group, offering $344 and $502, respectively. Allstate is an expensive provider with an average six-month premium of $3175.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$344	$57
Capital Insurance Group	$502	$86
CSAA	$673	$113
USAA	$1104	$186
Mercury	$1208	$203
Progressive	$1262	$213
Wawanesa	$1420	$236
Auto Club	$1574	$268
Farmers	$1721	$290
AAA NorCal	$1951	$332
AAA SoCal	$2115	$352
State Farm	$2498	$420
Travelers	$3011	$501
Allstate	$3175	$535

Lucas Valley-Marinwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lucas Valley-Marinwood CA. For example, the car insurance in Lucas Valley-Marinwood after a DUI increases to $1601 for a six month policy. While the rate increases by $420 for a six-month policy in the case of a speeding ticket.

Lucas Valley-Marinwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1000	$167
Not-at-fault accident	$1000	$170
One comp claim	$1000	$167
One Med/PIP claim	$1000	$170
Two comp claims	$1000	$167
Two Med/PIP claims	$1000	$170
At-fault accident - less than $1000	$1022	$170
Failure to show documents	$1317	$224
Driving with expired registration	$1344	$224
Driving without lights	$1344	$228
Failure to wear a seat belt	$1350	$225
Child safety restraint	$1361	$231
Speeding 11 - 15 MPH over limit	$1415	$236
Speeding 16 - 20 MPH over limit	$1415	$241
Driving too slowly	$1420	$236
Failure to stop at a red light	$1420	$242
Failure to yield	$1420	$236
Following too closely	$1420	$242
Illegal turn	$1420	$236
In 65 MPH zone	$1420	$242
Speeding 21 - 25 MPH over limit	$1420	$236
Speeding 6 - 10 MPH over limit	$1420	$242
Speeding in school zone	$1420	$236
Improper passing	$1426	$243
Cell phone violation	$1432	$238
Texting while driving	$1432	$244
Passing school bus	$1448	$241
Wrong way/wrong lane	$1694	$288
Operating a vehicle without permission	$1732	$289
At-fault accident - $1000-$2000	$1743	$296
At-fault accident - greater than $2000	$1743	$291
Open container	$1749	$297
Driving with a suspended license	$2028	$338
Reckless driving	$2470	$420
Racing	$2498	$416
Leaving scene of an accident/hit and run	$2508	$427
DUI	$2601	$433
Refusal to submit to a chemical test	$2601	$443

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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 Lucas Valley-Marinwood 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 Lucas Valley-Marinwood.

The cheapest car insurance premiums in Lucas Valley-Marinwood are offered by Capital Insurance Group at $749 for a six-month policy. However, it can be as expensive as $688 with companies like AAA.

Lucas Valley-Marinwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$749	$125
Mercury	$1071	$180
Progressive	$1420	$239
Wawanesa	$1601	$272
Farmers	$1798	$303
CSAA	$1913	$322
USAA	$1972	$332
Travelers	$2240	$377
Auto Club	$3164	$527
AAA NorCal	$3459	$588
AAA SoCal	$3880	$647
State Farm	$4924	$829
Allstate	$5017	$845
AAA	$688	$117

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 Lucas Valley-Marinwood are offered by CSAA at $87. However, it can be as expensive as $2405 with companies like Travelers for a similar six-month premium.

Cheapest Car Insurance in Lucas Valley-Marinwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$87	$15
Capital Insurance Group	$481	$82
Mercury	$1033	$174
USAA	$1054	$179
Progressive	$1060	$178
AAA NorCal	$1219	$207
AAA SoCal	$1688	$282
Allstate	$2142	$364
Farmers	$2230	$372
State Farm	$2383	$405
Travelers	$2405	$401

Car Insurance Price Trends in Lucas Valley-Marinwood, California

Car insurance rates in Lucas Valley-Marinwood have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lucas Valley-Marinwood rose by $195 in January compared to $177 of December. In other words, there has been an increase by $18 when you compare January and December.

The average cost of liability insurance in the Lucas Valley-Marinwood rose to $56 in January, compared to $51 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 Lucas Valley-Marinwood?

The car insurance in Lucas Valley-Marinwood is $24 per month, which is lower than the national average.

What is the cheapest car insurance in Lucas Valley-Marinwood?

The cheapest car insurance in Lucas Valley-Marinwood is $99 per month for full coverage.

How much is car insurance in Lucas Valley-Marinwood for teenagers?

Car insurance for teenagers costs $383 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 Lucas Valley-Marinwood?

The average cost of car insurance is $1245 for a six-month policy. It will cost around $192 per month to insure your car in Lucas Valley-Marinwood.

Is car insurance expensive in Lucas Valley-Marinwood?

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

Cheapest Car Insurance Quotes in Lucas Valley-Marinwood

Why you can trust Way?

How Much Is Car Insurance in Lucas Valley-Marinwood

Avg. Car Insurance in Lucas Valley-Marinwood

Avg. Car Insurance in California

National Average

Cheapest Car Insurance Companies in Lucas Valley-Marinwood

1st place: CSAA

2nd place: Mercury

3rd place: AAA NorCal

Lucas Valley-Marinwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Lucas Valley-Marinwood, CA

Way's key takeaways about car insurance in Lucas Valley-Marinwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lucas Valley-Marinwood

Cheapest Liability Coverage in Lucas Valley-Marinwood, CA

Cheapest Full Coverage Car Insurance in Lucas Valley-Marinwood

Cheapest Full Coverage Car Insurance Quotes in Lucas Valley-Marinwood, CA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lucas Valley-Marinwood by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lucas Valley-Marinwood, CA increasing?

Car Insurance Premiums by Age in Lucas Valley-Marinwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lucas Valley-Marinwood,CA

If you are in your twenties Wawanesa is the best choice for car insurance in Lucas Valley-Marinwood.

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 Lucas Valley-Marinwood

Cheapest Car Insurance Companies after an At-Fault Accident in Lucas Valley-Marinwood

Lucas Valley-Marinwood Car Insurance Rates by Violation

Lucas Valley-Marinwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lucas Valley-Marinwood after a DUI

Lucas Valley-Marinwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lucas Valley-Marinwood after Speeding ticket

Car Insurance Price Trends in Lucas Valley-Marinwood, California

Average Car Insurance Cost in Lucas Valley-Marinwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lucas Valley-Marinwood, CA

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

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