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Get Cheap Car Insurance in Lemon Grove, CA
We monitor insurance prices, helping the average driver in Lemon Grove save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Lemon Grove
The chart below shows the cheapest car insurance company in Lemon Grove 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.
| Lemon Grove Insurer | Monthly Cost |
|---|---|
| Metromile | $53 |
| Geico | $60 |
| Progressive | $64 |
| Travelers | $66 |
Savings for Every Kind of Lemon Grove Driver
Based on our extensive insurance data, we know the average Lemon Grove 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 $673 per year by choosing the right vehicle insurance company. Some Lemon Grove residents are paying out over $2,104 extra every year for auto insurance in Lemon Grove. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lemon Grove, CA Savings / Yr. |
|---|---|
$673 |
|
$1,232 |
|
$974 |
|
$1,712 |
|
$879 |
|
$381 |
|
$0 |
Lemon Grove Car Insurance vs. California
People living in Lemon Grove pay an average of 4.78% more than the typical driver in the state. The average driver in Lemon Grove can expect to pay about $985 per year, or $2,104 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Lemon Grove for most people.
Car Insurance Prices by Lemon Grove Neighborhood
Insurance Prices
Where is insurance cheapest within Lemon Grove?
The map shows insurance prices in and around Lemon Grove, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $280 per year within the city boundaries, with insurance premiums ranging from a high of $2,243 to a low of $1,963. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Lemon Grove.Pick the Best Car Insurance Company for You in Lemon Grove
The best car insurance provider for most drivers in Lemon Grove
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $673 over the average Lemon Grove car insurance company.
The best car insurance provider for Lemon Grove 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 $1,232 over the competition.
The best car insurance company for Lemon Grove drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $974 better than other car insurance companies.
The best auto insurance for Lemon Grove drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,712 less each year.
The least expensive car insurance company for new and young drivers in Lemon Grove
In Lemon Grove, State Farm costs young drivers $879 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lemon Grove
Progressive gave the largest car insurance discounts to married couples, averaging $381 saved each year compared to an average Lemon Grove couple's premiums.
The cheapest car insurance in Lemon Grove for drivers with bad credit
The best Lemon Grove car insurance company for customer service
Nationwide was the best company for customer service in Lemon Grove according to the NAIC.
Recent price drops
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The cheapest large national provider in Lemon Grove
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Lemon Grove 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 Lemon Grove, 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 Lemon Grove
What Influences the Cost of Car Insurance in Lemon Grove?
On average, car insurance in Lemon Grove is more expensive than the rest of the state. These high 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 Lemon Grove is 35 minutes, which is about the national 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 Lemon Grove are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Lemon Grove is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Lemon Grove is $82 per month for minimum coverage and $175 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
- La Presa: Insurance costs 1.62% less
- La Mesa: Insurance costs 4.47% less
- Spring Valley: Insurance costs 4.33% less
- Casa de Oro-Mount Helix: Insurance costs 3.56% less
- Bonita: Insurance costs 3.90% less
- National City: Insurance costs 0.14% less
- Rancho San Diego: Insurance costs 4.94% less
- San Diego: Insurance costs 4.99% less
- El Cajon: Insurance costs 1.76% less
- Chula Vista: Insurance costs 3.42% less
Cities with Similar Populations
- Alton: Insurance costs 25.67% less
- Ashland: Insurance costs 10.55% more
- Powell: Insurance costs 33.98% less
- Murrells Inlet: Insurance costs 25.57% less
- Nazareth: Insurance costs 34.79% less
- New Castle: Insurance costs 43.16% less
- New London: Insurance costs 2.42% more
- New Windsor: Insurance costs 20.72% more
- Olney: Insurance costs 6.80% less
- Orchards: Insurance costs 29.33% less