Compare Lucerne, CA Car Insurance Rates (2021)

Car insurance in Lucerne, CA averages $259 a month. Lucerne, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lucerne car insurance rates, compare quotes from the top car insurance companies in Lucerne, 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 Lucerne for teen drivers is USAA
  • Average car insurance rates in Lucerne, CA after a DUI are $4,343/year
  • Average car insurance rates in Lucerne, CA are $3,104/year

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

You’ll find Lucerne car insurance rates, the cheapest Lucerne, CA car insurance companies, and information on California car insurance laws. You can also compare Lucerne, California car insurance rates to San Diego car insurance rates, San Jose car insurance rates, and Oakland car insurance rates.

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

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

How do age, gender, and marital status affect Lucerne, CA car insurance rates? Every Lucerne, 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 Lucerne, 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 $2,357 $2,364 $1,716 $1,744 $6,451 $8,118 $3,043 $3,372
Farmers $2,190 $2,190 $1,961 $1,961 $7,036 $11,658 $2,599 $2,895
GEICO $1,611 $1,612 $1,516 $1,516 $4,898 $4,992 $2,313 $2,371
Liberty Mutual $2,056 $1,955 $1,902 $1,847 $4,502 $4,763 $2,328 $2,336
Nationwide $2,653 $2,538 $2,316 $2,189 $6,645 $7,341 $3,162 $3,131
Progressive $1,705 $1,758 $1,432 $1,710 $4,494 $5,451 $2,451 $2,642
State Farm $2,560 $2,560 $2,284 $2,284 $4,667 $5,803 $2,829 $2,915
Travelers $2,107 $2,047 $1,862 $1,843 $4,226 $4,859 $2,717 $2,670
USAA $1,744 $1,654 $1,700 $1,709 $3,959 $3,979 $2,407 $2,277

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Minimum Car Insurance in Lucerne, CA

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

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

Annual Lucerne, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,197 $3,711 $5,793 $2,881
Farmers $2,995 $4,084 $5,103 $4,062
GEICO $1,822 $2,805 $3,526 $2,260
Liberty Mutual $2,353 $3,155 $2,844 $2,493
Nationwide $2,619 $3,354 $5,662 $3,354
Progressive $1,775 $3,001 $3,494 $2,552
State Farm $2,307 $2,754 $5,212 $2,679
Travelers $1,893 $3,016 $3,519 $2,738
USAA $1,615 $2,400 $3,930 $1,769

Cheapest Lucerne, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lucerne, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,451 $8,118
Farmers $7,036 $11,658
GEICO $4,898 $4,992
Liberty Mutual $4,502 $4,763
Nationwide $6,645 $7,341
Progressive $4,494 $5,451
State Farm $4,667 $5,803
Travelers $4,226 $4,859
USAA $3,959 $3,979

Cheapest Lucerne, CA Car Insurance for Seniors

Take a look at Lucerne, 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 Lucerne, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,716 $1,744
Farmers $1,961 $1,961
GEICO $1,516 $1,516
Liberty Mutual $1,902 $1,847
Nationwide $2,316 $2,189
Progressive $1,432 $1,710
State Farm $2,284 $2,284
Travelers $1,862 $1,843
USAA $1,700 $1,709

Cheapest Lucerne, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lucerne, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,793
Farmers $5,103
GEICO $3,526
Liberty Mutual $2,844
Nationwide $5,662
Progressive $3,494
State Farm $5,212
Travelers $3,519
USAA $3,930

Cheapest Lucerne, CA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lucerne, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,293 $3,998
Farmers $3,687 $4,436
GEICO $2,365 $2,842
Liberty Mutual $2,490 $2,932
Nationwide $3,315 $4,179
Progressive $2,458 $2,953
State Farm $3,119 $3,357
Travelers $2,516 $3,067
USAA $2,238 $2,619

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The Best Cheap Car Insurance Companies in Lucerne, CA

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

Average Annual Car Insurance Rates by Company in Lucerne, California

Insurance Company Average Annual Rates
Allstate $3,646
Farmers $4,061
GEICO $2,604
Liberty Mutual $2,711
Nationwide $3,747
Progressive $2,706
State Farm $3,238
Travelers $2,791
USAA $2,429

Category Winners: Cheapest Car Insurance in Lucerne, California

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

Best Annual Car Insurance Rates by Company in Lucerne, California

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

Cheapest Lucerne, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lucerne, California

Insurance Company Low Medium High
Allstate $3,470 $3,674 $3,793
Farmers $3,833 $4,088 $4,263
GEICO $2,387 $2,630 $2,794
Liberty Mutual $2,549 $2,733 $2,852
Nationwide $3,379 $3,810 $4,053
Progressive $2,471 $2,774 $2,871
State Farm $2,927 $3,289 $3,497
Travelers $2,472 $2,860 $3,042
USAA $2,204 $2,475 $2,607

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What affects car insurance rates in Lucerne, California?

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

Commute Time in Lucerne

The more time you spend in your car the higher the risk of an accident. The average commute length in Lucerne, CA is 25.4 minutes according to City-Data.

Traffic in Lucerne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lucerne, CA traffic data from INRIX ranks Lucerne as the 326th-most congested in the world.

Compare Car Insurance Quotes in Lucerne, CA

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

Free Car Insurance Comparison

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

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