Cheapest Car Insurance Quotes in Lucas Valley-Marinwood

Finding the cheapest car insurance quotes in Lucas Valley-Marinwood shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
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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 $950 for a six-month policy, which is $61 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 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

$950

Avg. Car Insurance in California

$1011

National Average

$1140

Cheapest Car Insurance Companies in Lucas Valley-Marinwood

1st place: CSAA

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

2nd place: USAA

USAA offers auto insurance rates at $765 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $809 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 $603 for a six-month term. This is followed by USAA, which has an average six-month premium of $765.

At the higher end of the spectrum, Hartford is the most expensive, with rates reaching $726 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	$603	$102
USAA	$765	$129
Mercury	$809	$136
AAA SoCal	$887	$151
Progressive	$932	$157
Allstate	$1022	$172
Wawanesa	$1027	$173
AAA NorCal	$1039	$177
Auto Club	$1072	$179
State Farm	$1134	$191
AAA	$1290	$215
Kemper	$1335	$227
Farmers	$1491	$248
Capital Insurance Group	$665	$111
National General	$676	$115
State National	$687	$115
Hartford	$726	$123

Key Takeaways

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

The auto insurance costs in Lucas Valley-Marinwood fall around $603 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 $63 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 $145. 21st Century is the most expensive at $380 for the same period.

Cheapest Liability Coverage in Lucas Valley-Marinwood, CA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$145	$24
AAA	$257	$43
USAA	$268	$45
AAA NorCal	$279	$47
AAA SoCal	$319	$55
Progressive	$324	$55
Auto Club	$329	$56
State Farm	$340	$57
Wawanesa	$346	$58
Mercury	$368	$62
Allstate	$397	$67
Farmers	$475	$79
Kemper	$262	$44
Capital Insurance Group	$285	$49
State National	$302	$52
National General	$374	$62
21st Century	$380	$65

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 $102 per month and $603 for six months.

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

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
CSAA	$603	$102
USAA	$765	$129
Mercury	$809	$136
AAA SoCal	$887	$151
Progressive	$932	$157
Allstate	$1022	$172
Wawanesa	$1027	$173
AAA NorCal	$1039	$177
Auto Club	$1072	$179
State Farm	$1134	$191
AAA	$1290	$215
Kemper	$1335	$227
Farmers	$1491	$248
Capital Insurance Group	$665	$111
National General	$676	$115
State National	$687	$115
Hartford	$726	$123

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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	$550
30s	Wawanesa	$444
40s	Wawanesa	$444
50s	Wawanesa	$444
60s	Wawanesa	$444
70s	Wawanesa	$434

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 $37 per month. At $368 for a six-month premium, Marcury offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$218	$37
Capital Insurance Group	$492	$82
USAA	$1172	$197
Mercury	$1189	$200
Wawanesa	$1307	$222
Progressive	$1368	$230
CSAA	$1647	$277
State Farm	$1954	$329
AAA SoCal	$2116	$360
Allstate	$2267	$382
Auto Club	$2418	$411
AAA NorCal	$3221	$537
Farmers	$3289	$559
State National	$352	$58
Marcury	$368	$63

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 $550 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 $357 and $513, respectively. 21st Century is an expensive provider with an average six-month premium of $642.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$357	$60
Capital Insurance Group	$513	$87
CSAA	$687	$116
USAA	$1027	$173
Progressive	$1189	$200
Mercury	$1261	$214
Wawanesa	$1451	$242
AAA SoCal	$1525	$259
Auto Club	$1608	$268
Farmers	$1653	$278
State Farm	$1966	$331
AAA NorCal	$2105	$358
Allstate	$2530	$426
State National	$424	$71
Hartford	$492	$84
National General	$564	$94
Nationwide	$608	$103
21st Century	$642	$107

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 $1635 for a six month policy. While the rate increases by $429 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	$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 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 AAA at $703 for a six-month policy. However, it can be as expensive as $592 with companies like Kemper.

Lucas Valley-Marinwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$703	$119
Capital Insurance Group	$765	$128
Mercury	$910	$153
Progressive	$1346	$227
Wawanesa	$1636	$278
Farmers	$1736	$292
USAA	$1848	$311
CSAA	$1954	$329
AAA SoCal	$2826	$480
Auto Club	$3233	$539
AAA NorCal	$3724	$634
State Farm	$3975	$669
Allstate	$4093	$689
Travelers	$788	$132
National General	$368	$61
Kemper	$592	$99

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 $89. However, it can be as expensive as $424 with companies like State National 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	$89	$15
Capital Insurance Group	$492	$82
Mercury	$838	$141
USAA	$877	$146
Progressive	$944	$159
AAA NorCal	$1307	$218
AAA SoCal	$1402	$239
Allstate	$1441	$240
State Farm	$1525	$259
Farmers	$2110	$352
AAA	$274	$46
Kemper	$346	$59
National General	$368	$61
State National	$424	$72

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 $180 in December compared to $179 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Lucas Valley-Marinwood rose to $51 in December, compared to $49 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 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 $102 per month for full coverage.

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

Car insurance for teenagers costs $218 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 $1011 for a six-month policy. It will cost around $160 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: USAA

3rd place: Mercury

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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