Compare Lodi, CA Car Insurance Rates (2021)

Car insurance in Lodi, CA averages $290 a month. Lodi, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lodi car insurance rates, compare quotes from the top car insurance companies in Lodi, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lodi is Progressive
  • The cheapest car insurance company in Lodi for teen drivers is USAA
  • Average car insurance rates in Lodi, CA after a DUI are $4,894/year

If you need to buy Lodi, California car insurance, the options can be confusing. Everything you need to know about car insurance in Lodi, CA is right here.

You’ll find Lodi car insurance rates, the cheapest Lodi, CA car insurance companies, and information on California car insurance laws. You can also compare Lodi, California car insurance rates to Sacramento car insurance rates, Fresno car insurance rates, and Bakersfield car insurance rates.

Ready to find affordable Lodi, CA car insurance today? Enter your ZIP code for fast, free Lodi car insurance quotes.

Cheapest Lodi, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lodi, CA car insurance rates? Every Lodi, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lodi, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,934 $2,939 $2,132 $2,153 $8,064 $10,143 $3,749 $4,123
Farmers $2,566 $2,566 $2,312 $2,312 $8,162 $13,370 $3,038 $3,381
GEICO $1,686 $1,687 $1,586 $1,586 $5,095 $5,183 $2,417 $2,474
Liberty Mutual $2,130 $2,015 $1,979 $1,917 $4,606 $4,911 $2,398 $2,423
Nationwide $2,998 $2,862 $2,639 $2,488 $7,584 $8,391 $3,574 $3,522
Progressive $1,551 $1,593 $1,331 $1,570 $4,142 $4,963 $2,232 $2,394
State Farm $3,177 $3,177 $2,836 $2,836 $5,844 $7,262 $3,516 $3,623
Travelers $2,424 $2,349 $2,141 $2,118 $4,982 $5,704 $3,149 $3,084
USAA $1,818 $1,724 $1,772 $1,781 $4,146 $4,162 $2,508 $2,372

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Minimum Car Insurance in Lodi, CA

Every driver must carry the minimum car insurance in Lodi, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Lodi, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Lodi, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lodi, CA to rates for a clean record with top companies.

Annual Lodi, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,728 $4,587 $7,224 $3,580
Farmers $3,485 $4,745 $5,911 $4,712
GEICO $1,900 $2,923 $3,678 $2,357
Liberty Mutual $2,427 $3,252 $2,936 $2,573
Nationwide $2,970 $3,812 $6,435 $3,812
Progressive $1,620 $2,755 $3,179 $2,334
State Farm $2,878 $3,433 $6,485 $3,340
Travelers $2,169 $3,525 $4,098 $3,184
USAA $1,685 $2,506 $4,104 $1,846

Cheapest Lodi, CA Car Insurance for Teen Drivers

Teen car insurance in Lodi, CA can be expensive. Take a look at rates from the top car insurance companies in Lodi for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lodi, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,064 $10,143
Farmers $8,162 $13,370
GEICO $5,095 $5,183
Liberty Mutual $4,606 $4,911
Nationwide $7,584 $8,391
Progressive $4,142 $4,963
State Farm $5,844 $7,262
Travelers $4,982 $5,704
USAA $4,146 $4,162

Cheapest Lodi, CA Car Insurance for Seniors

Take a look at Lodi, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lodi, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,132 $2,153
Farmers $2,312 $2,312
GEICO $1,586 $1,586
Liberty Mutual $1,979 $1,917
Nationwide $2,639 $2,488
Progressive $1,331 $1,570
State Farm $2,836 $2,836
Travelers $2,141 $2,118
USAA $1,772 $1,781

Cheapest Lodi, CA Car Insurance Rates After a DUI

A DUI in Lodi, CA increases car insurance rates. Compare Lodi, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lodi, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,224
Farmers $5,911
GEICO $3,678
Liberty Mutual $2,936
Nationwide $6,435
Progressive $3,179
State Farm $6,485
Travelers $4,098
USAA $4,104

Cheapest Lodi, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lodi, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lodi, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,078 $4,981
Farmers $4,277 $5,150
GEICO $2,466 $2,963
Liberty Mutual $2,568 $3,027
Nationwide $3,765 $4,749
Progressive $2,242 $2,703
State Farm $3,886 $4,181
Travelers $2,919 $3,569
USAA $2,336 $2,735

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Cheapest Lodi, CA Car Insurance Rates by ZIP Code

Lodi car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lodi, CA.

Annual Car Insurance Rates by ZIP Code in Lodi, California

ZIP Code Average Annual Rates
95240 $4,825
95242 $4,677

The Best Cheap Car Insurance Companies in Lodi, CA

Take a look at a side-by-side comparison of the top car insurance companies in Lodi, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lodi, California

Insurance Company Average Annual Rates
Allstate $4,530
Farmers $4,713
GEICO $2,714
Liberty Mutual $2,797
Nationwide $4,257
Progressive $2,472
State Farm $4,034
Travelers $3,244
USAA $2,535

Category Winners: Cheapest Car Insurance in Lodi, California

Find the cheapest car insurance companies in Lodi, CA for each category right here.

Best Annual Car Insurance Rates by Company in Lodi, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Lodi, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lodi car insurance rates. Find the cheapest Lodi, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lodi, California

Insurance Company Low Medium High
Allstate $4,267 $4,572 $4,751
Farmers $4,388 $4,749 $5,003
GEICO $2,440 $2,746 $2,958
Liberty Mutual $2,601 $2,822 $2,969
Nationwide $3,787 $4,339 $4,645
Progressive $2,188 $2,556 $2,673
State Farm $3,625 $4,107 $4,370
Travelers $2,839 $3,328 $3,565
USAA $2,291 $2,586 $2,729

What affects car insurance rates in Lodi, California?

What factors can have an impact on Lodi, CA car insurance? There are several reasons why Lodi car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lodi, California.

Car Theft in Lodi

High levels of vehicle theft can make car insurance more expensive. Lodi, CA car theft statistics from the FBI indicate 342 vehicle thefts a year.

Commute Time in Lodi

The more time you spend in your car the higher the risk of an accident. The average commute length in Lodi, CA is 26.3 minutes according to City-Data.

Traffic in Lodi

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lodi, CA traffic data from INRIX ranks Lodi as the 464th-most congested in the world.

Compare Car Insurance Quotes in Lodi, CA

Ready to find affordable Lodi, California car insurance today? Enter your ZIP code for fast, free Lodi, CA car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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