Best Cheap Auto Insurance in Lucerne Valley, CA (2021)

The average Lucerne Valley, CA auto insurance rates are $300 per month. The minimum auto insurance in Lucerne Valley is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Lucerne Valley, California, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The average commute length in Lucerne Valley is 45.8 minutes
  • Average auto insurance rates in Lucerne Valley, CA for senior drivers are $2,155 per year
  • The cheapest auto insurance company in Lucerne Valley is USAA

Lucerne Valley, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Lucerne Valley can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lucerne Valley, California, including driving record, credit, commute time, and more.

Compare auto insurance in Lucerne Valley to other California cities, including Bakersfield auto insurance rates, Sacramento auto insurance rates, and Long Beach auto insurance rates to see how Lucerne Valley, California auto insurance rates stack up.

Before you buy Lucerne Valley, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lucerne Valley, California auto insurance quotes.

Minimum Auto Insurance in Lucerne Valley, California

Lucerne Valley, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lucerne Valley, California.

Minimum Required Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Lucerne Valley, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lucerne Valley, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto 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

Cheap Lucerne Valley, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lucerne Valley, California is a challenge. Take a look at the annual teen auto insurance rates in Lucerne Valley, California.

Annual Auto 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

Cheap Lucerne Valley, California Auto Insurance for Seniors

What are senior auto insurance rates in Lucerne Valley, California? Take a look at the annual average rates for older drivers.

Annual Auto 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

Cheap Lucerne Valley, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lucerne Valley, California compared to the annual auto insurance rates with a clean record in Lucerne Valley, California.

Annual Lucerne Valley, California Auto 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

Cheap Lucerne Valley, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lucerne Valley, California is not easy. Compare the annual rates for DUI auto insurance in Lucerne Valley, California to find the best deal.

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

Insurance Company Annual Auto 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

Cheap Lucerne Valley, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lucerne Valley, California can vary. Compare the annual cost of auto insurance by ZIP code in Lucerne Valley, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lucerne Valley, California

ZIP Code Average Annual Rates
92356 $4,921

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Lucerne Valley, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Lucerne Valley, California auto insurance. Find the cheapest annual Lucerne Valley, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lucerne Valley, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lucerne Valley, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lucerne Valley, California? Check out the comparison of annual Lucerne Valley, California auto insurance rates by coverage level.

Annual Auto 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

Best By Category: Cheapest Auto Insurance in Lucerne Valley, California

Compare the cheapest auto insurance companies in Lucerne Valley, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

The Cheapest Lucerne Valley, California Auto Insurance Companies

What auto insurance companies in Lucerne Valley, California are the cheapest? Compare the top Lucerne Valley, California auto insurance companies to find the best annual rates.

Average Annual Auto 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

What affects auto insurance rates in Lucerne Valley, California?

There are a lot of reasons why auto insurance rates in Lucerne Valley, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lucerne Valley, California. Many local factors may affect your Lucerne Valley auto insurance rates.

Lucerne Valley Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lucerne Valley, California commute length is 45.8 minutes according to City-Data.

Compare Lucerne Valley, California Auto Insurance Quotes

Before you buy Lucerne Valley, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lucerne Valley, California auto insurance quotes.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption