Compare Lucerne Valley, CA Car Insurance Rates (2021)

Car insurance in Lucerne Valley, CA averages $300 a month. Lucerne Valley, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lucerne Valley car insurance rates, compare quotes from the top car insurance companies in Lucerne Valley, 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

  • Average car insurance rates in Lucerne Valley, CA are $3,598/year
  • Average car insurance rates in Lucerne Valley, CA after a DUI are $5,056/year
  • The cheapest car insurance company in Lucerne Valley for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Lucerne Valley, CA car insurance rates? Every Lucerne Valley, 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 Valley, 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 $2,826 $2,832 $2,048 $2,078 $7,775 $9,784 $3,641 $4,025
Farmers $2,592 $2,592 $2,337 $2,337 $8,275 $13,571 $3,072 $3,422
GEICO $1,788 $1,788 $1,681 $1,681 $5,422 $5,519 $2,566 $2,626
Liberty Mutual $2,186 $2,067 $2,038 $1,972 $4,772 $5,084 $2,461 $2,487
Nationwide $3,243 $3,100 $2,841 $2,681 $8,132 $9,013 $3,849 $3,805
Progressive $1,824 $1,873 $1,592 $1,869 $4,955 $5,927 $2,668 $2,863
State Farm $3,031 $3,031 $2,705 $2,705 $5,561 $6,910 $3,353 $3,455
Travelers $2,540 $2,462 $2,243 $2,218 $5,223 $6,024 $3,319 $3,245
USAA $1,924 $1,825 $1,874 $1,884 $4,400 $4,412 $2,654 $2,511

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Minimum Car Insurance in Lucerne Valley, CA

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

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

Annual Lucerne Valley, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,629 $4,448 $6,974 $3,453
Farmers $3,530 $4,807 $5,989 $4,774
GEICO $2,016 $3,112 $3,906 $2,501
Liberty Mutual $2,503 $3,352 $3,026 $2,652
Nationwide $3,195 $4,100 $6,937 $4,100
Progressive $1,915 $3,285 $3,823 $2,763
State Farm $2,741 $3,270 $6,181 $3,182
Travelers $2,273 $3,704 $4,317 $3,343
USAA $1,784 $2,652 $4,353 $1,954

Cheapest Lucerne Valley, CA Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lucerne Valley, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,775 $9,784
Farmers $8,275 $13,571
GEICO $5,422 $5,519
Liberty Mutual $4,772 $5,084
Nationwide $8,132 $9,013
Progressive $4,955 $5,927
State Farm $5,561 $6,910
Travelers $5,223 $6,024
USAA $4,400 $4,412

Cheapest Lucerne Valley, CA Car Insurance for Seniors

Take a look at Lucerne Valley, 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 Valley, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,048 $2,078
Farmers $2,337 $2,337
GEICO $1,681 $1,681
Liberty Mutual $2,038 $1,972
Nationwide $2,841 $2,681
Progressive $1,592 $1,869
State Farm $2,705 $2,705
Travelers $2,243 $2,218
USAA $1,874 $1,884

Cheapest Lucerne Valley, CA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lucerne Valley, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,974
Farmers $5,989
GEICO $3,906
Liberty Mutual $3,026
Nationwide $6,937
Progressive $3,823
State Farm $6,181
Travelers $4,317
USAA $4,353

Cheapest Lucerne Valley, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lucerne Valley, 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 Valley, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,946 $4,806
Farmers $4,332 $5,217
GEICO $2,620 $3,148
Liberty Mutual $2,646 $3,120
Nationwide $4,051 $5,115
Progressive $2,676 $3,217
State Farm $3,703 $3,984
Travelers $3,065 $3,754
USAA $2,473 $2,898

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The Best Cheap Car Insurance Companies in Lucerne Valley, CA

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

Average Annual Car Insurance Rates by Company in Lucerne Valley, California

Insurance Company Average Annual Rates
Allstate $4,376
Farmers $4,775
GEICO $2,884
Liberty Mutual $2,883
Nationwide $4,583
Progressive $2,946
State Farm $3,844
Travelers $3,409
USAA $2,686

Category Winners: Cheapest Car Insurance in Lucerne Valley, California

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

Best Annual Car Insurance Rates by Company in Lucerne Valley, 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 Valley, CA Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lucerne Valley, California

Insurance Company Low Medium High
Allstate $4,145 $4,413 $4,570
Farmers $4,452 $4,811 $5,061
GEICO $2,584 $2,915 $3,152
Liberty Mutual $2,687 $2,907 $3,056
Nationwide $4,095 $4,661 $4,993
Progressive $2,551 $3,049 $3,239
State Farm $3,462 $3,911 $4,159
Travelers $3,008 $3,492 $3,728
USAA $2,425 $2,739 $2,893

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What affects car insurance rates in Lucerne Valley, California?

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

Commute Time in Lucerne Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Lucerne Valley, CA is 45.8 minutes according to City-Data.

Compare Car Insurance Quotes in Lucerne Valley, CA

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