Compare Lower Lake, CA Car Insurance Rates (2021)

Car insurance in Lower Lake, CA averages $273 a month. Lower Lake, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lower Lake car insurance rates, compare quotes from the top car insurance companies in Lower Lake, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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

  • Average car insurance rates in Lower Lake, CA are $3,278/year
  • Average car insurance rates in Lower Lake, CA after a DUI are $4,604/year
  • The cheapest car insurance company in Lower Lake for teen drivers is USAA

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

You’ll find Lower Lake car insurance rates, the cheapest Lower Lake, CA car insurance companies, and information on California car insurance laws. You can also compare Lower Lake, California car insurance rates to Oakland car insurance rates, Long Beach car insurance rates, and San Francisco car insurance rates.

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

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

How do age, gender, and marital status affect Lower Lake, CA car insurance rates? Every Lower Lake, 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 Lower Lake, 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 $2,559 $2,566 $1,864 $1,891 $7,071 $8,903 $3,302 $3,653
Farmers $2,332 $2,332 $2,092 $2,092 $7,469 $12,331 $2,766 $3,080
GEICO $1,733 $1,733 $1,629 $1,629 $5,267 $5,366 $2,489 $2,548
Liberty Mutual $2,071 $1,968 $1,916 $1,860 $4,516 $4,783 $2,342 $2,354
Nationwide $2,812 $2,687 $2,458 $2,321 $7,086 $7,827 $3,350 $3,314
Progressive $1,585 $1,634 $1,326 $1,585 $4,159 $5,049 $2,268 $2,444
State Farm $2,935 $2,935 $2,620 $2,620 $5,361 $6,645 $3,247 $3,349
Travelers $2,242 $2,179 $1,979 $1,957 $4,509 $5,215 $2,906 $2,854
USAA $1,794 $1,699 $1,753 $1,760 $4,082 $4,102 $2,485 $2,348

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Minimum Car Insurance in Lower Lake, CA

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

Minimum Required Car Insurance Coverage in Lower Lake, 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 Lower Lake, 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 Lower Lake, CA to rates for a clean record with top companies.

Annual Lower Lake, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,394 $4,046 $6,323 $3,142
Farmers $3,183 $4,338 $5,415 $4,312
GEICO $1,957 $3,021 $3,790 $2,428
Liberty Mutual $2,366 $3,172 $2,861 $2,507
Nationwide $2,782 $3,563 $6,019 $3,563
Progressive $1,648 $2,780 $3,229 $2,368
State Farm $2,647 $3,159 $5,976 $3,073
Travelers $2,013 $3,220 $3,767 $2,920
USAA $1,664 $2,472 $4,052 $1,823

Cheapest Lower Lake, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lower Lake, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,071 $8,903
Farmers $7,469 $12,331
GEICO $5,267 $5,366
Liberty Mutual $4,516 $4,783
Nationwide $7,086 $7,827
Progressive $4,159 $5,049
State Farm $5,361 $6,645
Travelers $4,509 $5,215
USAA $4,082 $4,102

Cheapest Lower Lake, CA Car Insurance for Seniors

Take a look at Lower Lake, 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 Lower Lake, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,864 $1,891
Farmers $2,092 $2,092
GEICO $1,629 $1,629
Liberty Mutual $1,916 $1,860
Nationwide $2,458 $2,321
Progressive $1,326 $1,585
State Farm $2,620 $2,620
Travelers $1,979 $1,957
USAA $1,753 $1,760

Cheapest Lower Lake, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lower Lake, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,323
Farmers $5,415
GEICO $3,790
Liberty Mutual $2,861
Nationwide $6,019
Progressive $3,229
State Farm $5,976
Travelers $3,767
USAA $4,052

Cheapest Lower Lake, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lower Lake, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,591 $4,361
Farmers $3,914 $4,710
GEICO $2,543 $3,055
Liberty Mutual $2,503 $2,949
Nationwide $3,520 $4,444
Progressive $2,276 $2,736
State Farm $3,579 $3,848
Travelers $2,682 $3,278
USAA $2,306 $2,700

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The Best Cheap Car Insurance Companies in Lower Lake, CA

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

Average Annual Car Insurance Rates by Company in Lower Lake, California

Insurance Company Average Annual Rates
Allstate $3,976
Farmers $4,312
GEICO $2,799
Liberty Mutual $2,726
Nationwide $3,982
Progressive $2,506
State Farm $3,714
Travelers $2,980
USAA $2,503

Category Winners: Cheapest Car Insurance in Lower Lake, California

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

Best Annual Car Insurance Rates by Company in Lower Lake, 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

Cheapest Lower Lake, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lower Lake, California

Insurance Company Low Medium High
Allstate $3,786 $4,007 $4,135
Farmers $4,051 $4,342 $4,543
GEICO $2,534 $2,828 $3,036
Liberty Mutual $2,560 $2,748 $2,870
Nationwide $3,586 $4,050 $4,310
Progressive $2,302 $2,569 $2,648
State Farm $3,387 $3,769 $3,985
Travelers $2,656 $3,049 $3,235
USAA $2,279 $2,549 $2,681

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What affects car insurance rates in Lower Lake, California?

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

Commute Time in Lower Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Lower Lake, CA is 47.9 minutes according to City-Data.

Compare Car Insurance Quotes in Lower Lake, CA

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

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