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Get Cheap Car Insurance in Upper Lake, CA
We monitor insurance prices, helping the average driver in Upper Lake save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Upper Lake
The chart below shows the cheapest car insurance company in Upper Lake 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.
| Upper Lake Insurer | Monthly Cost |
|---|---|
| Metromile | $46 |
| Geico | $52 |
| Progressive | $56 |
| Travelers | $58 |
Savings for Every Kind of Upper Lake Driver
Based on our extensive insurance data, we know the average Upper Lake 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 $591 per year by choosing the right vehicle insurance company. Some Upper Lake residents are paying out over $1,850 extra every year for auto insurance in Upper Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Upper Lake, CA Savings / Yr. |
|---|---|
$591 |
|
$1,083 |
|
$857 |
|
$1,505 |
|
$773 |
|
$335 |
|
$0 |
Upper Lake Car Insurance vs. California
People living in Upper Lake pay an average of 7.89% less than the typical driver in the state. The average driver in Upper Lake can expect to pay about $866 per year, or $1,850 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Upper Lake for most people.
Car Insurance Prices by Upper Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Upper Lake?
The map shows insurance prices in and around Upper Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $194 per year within the city boundaries, with insurance premiums ranging from a high of $1,985 to a low of $1,791. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Southwest parts of Upper Lake.Pick the Best Car Insurance Company for You in Upper Lake
The best car insurance provider for most drivers in Upper Lake
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $591 over the average Upper Lake car insurance company.
The best car insurance provider for Upper Lake 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 $1,083 over the competition.
The best car insurance company for Upper Lake drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $857 better than other car insurance companies.
The best auto insurance for Upper Lake drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,505 less each year.
The least expensive car insurance company for new and young drivers in Upper Lake
In Upper Lake, State Farm costs young drivers $773 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Upper Lake
Progressive gave the largest car insurance discounts to married couples, averaging $335 saved each year compared to an average Upper Lake couple's premiums.
The cheapest car insurance in Upper Lake for drivers with bad credit
The best Upper Lake car insurance company for customer service
Nationwide was the best company for customer service in Upper Lake according to the NAIC.
Recent price drops
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The cheapest large national provider in Upper Lake
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Upper Lake 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 Upper Lake, 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 Upper Lake
What Influences the Cost of Car Insurance in Upper Lake?
On average, car insurance in Upper Lake 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 Upper Lake is 32 minutes, which is a little 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 Upper Lake are among the lowest 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.
- Upper Lake 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 Upper Lake is $72 per month for minimum coverage and $154 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
- Nice: Insurance costs 5.51% more
- North Lakeport: Insurance costs 3.68% less
- Witter Springs: Insurance costs 1.03% less
- Lakeport: Insurance costs 0.70% less
- Lucerne: Insurance costs 1.78% more
- Finley: Insurance costs 0.59% more
- Vichy Springs: Insurance costs 0.32% more
- Glenhaven: Insurance costs 0.38% more
- Soda Bay: Insurance costs 3.68% more
- Kelseyville: Insurance costs 2.05% more
Cities with Similar Populations
- Pleasant Ridge: Insurance costs 63.73% more
- Loretto: Insurance costs 13.68% less
- Lost Hills: Insurance costs 1.14% more
- Marmaduke: Insurance costs 9.51% less
- Martinsville: Insurance costs 11.57% less
- Melbourne: Insurance costs 9.73% more
- Midway: Insurance costs 27.35% less
- Milton: Insurance costs 11.89% more
- Omaha: Insurance costs 12.11% less
- Oxford: Insurance costs 6.16% less