Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Lakeport, CA
We monitor insurance prices, helping the average driver in Lakeport save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Lakeport
The chart below shows the cheapest car insurance company in Lakeport for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Lakeport Insurer | Monthly Cost |
|---|---|
| Metromile | $46 |
| Geico | $52 |
| Progressive | $56 |
| Travelers | $58 |
Savings for Every Kind of Lakeport Driver
Based on our extensive insurance data, we know the average Lakeport driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $587 per year by choosing the right vehicle insurance company. Some Lakeport residents are paying out over $1,837 extra every year for auto insurance in Lakeport. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lakeport, CA Savings / Yr. |
|---|---|
$587 |
|
$1,076 |
|
$851 |
|
$1,495 |
|
$767 |
|
$333 |
|
$0 |
Lakeport Car Insurance vs. California
People living in Lakeport pay an average of 8.53% less than the typical driver in the state. The average driver in Lakeport can expect to pay about $860 per year, or $1,837 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Lakeport for most people.
Car Insurance Prices by Lakeport Neighborhood
Insurance Prices
Where is insurance cheapest within Lakeport?
The map shows insurance prices in and around Lakeport, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $131 per year within the city boundaries, with insurance premiums ranging from a high of $1,913 to a low of $1,782. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Lakeport.Pick the Best Car Insurance Company for You in Lakeport
The best car insurance provider for most drivers in Lakeport
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $587 over the average Lakeport car insurance company.
The best car insurance provider for Lakeport drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,076 over the competition.
The best car insurance company for Lakeport drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $851 better than other car insurance companies.
The best auto insurance for Lakeport drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,495 less each year.
The least expensive car insurance company for new and young drivers in Lakeport
In Lakeport, State Farm costs young drivers $767 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lakeport
Progressive gave the largest car insurance discounts to married couples, averaging $333 saved each year compared to an average Lakeport couple's premiums.
The cheapest car insurance in Lakeport for drivers with bad credit
The best Lakeport car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lakeport, which was better than other insurers.
The cheapest large national provider in Lakeport
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Lakeport driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lakeport, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Lakeport
What Influences the Cost of Car Insurance in Lakeport?
On average, car insurance in Lakeport is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Lakeport is 24 minutes, which is far less than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lakeport are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Lakeport has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lakeport is $72 per month for minimum coverage and $153 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- North Lakeport: Insurance costs 2.99% less
- Finley: Insurance costs 1.31% more
- Nice: Insurance costs 6.26% more
- Upper Lake: Insurance costs 0.71% more
- Lucerne: Insurance costs 2.50% more
- Soda Bay: Insurance costs 4.41% more
- Kelseyville: Insurance costs 2.78% more
- Witter Springs: Insurance costs 0.33% less
- Old Hopland: Insurance costs 2.40% more
- Glenhaven: Insurance costs 1.09% more
Cities with Similar Populations
- Pleasant Hill: Insurance costs 33.42% less
- Mentone: Insurance costs 10.45% more
- Mercer: Insurance costs 24.61% less
- Merriam: Insurance costs 14.15% less
- Metropolis: Insurance costs 20.74% less
- Middleboro: Insurance costs 13.55% less
- Monongahela: Insurance costs 24.01% less
- Pine Castle: Insurance costs 62.38% more
- Pingree Grove: Insurance costs 20.14% less
- Plainville: Insurance costs 17.04% less