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2025 California Auto Insurance Data Thread In DETAIL

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Takeshi

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Hi All,

I wanted to start a thread for California Lucid Air drivers but with more details for the specific so we can better specify and fine tune the California Auto Insurance cost since it's ever increasing every 6 months. Please use the template below for the posts.

Provider : Mercury
Renewal / Policy Inception : April 29th 2025
Duration : 6 Months Policy
Vehicle Area : San Francisco Bay Area
Lucid Trim : Lucid Grand Touring Performance
Insured Lucid Value : 100k (Yes this makes a Huge difference)
Miles Driven per Year : 9876 miles
Premium Cost Per Lucid : $1400 : $233.33 per month
Multiple Car Policy Discount : YES
Collision Deductible : $1000
Comprehensive Deductible : $100
Bodily Injury Coverage : 100k/300k
Under / Uninsured Bodily Injury Coverage : 50K/100K
Rental Coverage: Up to $50 a day
 
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I'll add my details later. They'll make everyone else feel really good about their policy!
 
Provider : State Farm
Renewal / Policy Inception : June 10th 2025
Duration : 6 Months Policy
Vehicle Area : So. California Orange County Area (92618)
Lucid Trim : Lucid Air Pure
Insured Lucid Value : 80k
Miles Driven per Year : 12000 miles
Premium Cost Per Lucid : $2045 : $340.83 per month
Multiple Car Policy Discount : YES
Collision Deductible : $2000
Comprehensive Deductible : $2000
Bodily Injury Coverage : 100k/300k
Under / Uninsured Bodily Injury Coverage : 100K/300K
Rental Coverage: No Coverage
Note: 2 drivers. 1 male (54) and 1 female (52) with 0 accidents and tickets in the last 15 years
 
Greg-TT said:
Provider : State Farm
Renewal / Policy Inception : June 10th 2025
Duration : 6 Months Policy
Vehicle Area : So. California Orange County Area (92618)
Lucid Trim : Lucid Air Pure
Insured Lucid Value : 80k
Miles Driven per Year : 12000 miles
Premium Cost Per Lucid : $2045 : $340.83 per month
Multiple Car Policy Discount : YES
Collision Deductible : $2000
Comprehensive Deductible : $2000
Bodily Injury Coverage : 100k/300k
Under / Uninsured Bodily Injury Coverage : 100K/300K
Rental Coverage: No Coverage
Note: 2 drivers. 1 male (54) and 1 female (52) with 0 accidents and tickets in the last 15 years
Click to expand...
Thanks for the adding to your info to the thread Greg-TT! Also nice Driving Record :)! I have only been driving for 12 years and looking forward to the next 3 and beyond.
 
Last edited:
Takeshi said:
Thanks for the adding to your info to the thread Greg-TT! Also nice Driving Record :)! I have only been driving for 12 years and looking forward to the next 3 and beyond.
Click to expand...
Is that rate for all the cars or just the Air?
 
Amster said:
I'll add my details later. They'll make everyone else feel really good about their policy!
Click to expand...
Here's mine. Given the details, it's really not that bad or unexpected. I just feel horrible when I have to send them the premium.

Provider : Safeco
Renewal / Policy Inception : Dec 20th 2024
Duration : 12 Months Policy
Vehicle Area : San Diego County
Lucid Trim : Lucid Air Grand Touring
Insured Lucid Value : ?
Miles Driven per Year : 18000 miles
Premium Cost Per Lucid : $6040 : $503.37 per month
Multiple Car Policy Discount : YES
Collision Deductible : $2500
Comprehensive Deductible : $2500
Bodily Injury Coverage : 250k/500k
Under / Uninsured Bodily Injury Coverage : 250k/500k
Rental Coverage: Up to $50 a day
Note: 3 drivers. 1 male (24) and 1 female (60s) with 0 accidents or tickets, 1 male (60s) with accident that included loss of a Lucid and injuries
 
Provider : Wawanesa
Renewal / Policy Inception : 03/03/2025
Duration : 6 Months Policy
Vehicle Area : Visalia, CA
Lucid Trim : 2022 Lucid Grand Touring
Insured Lucid Value : $Decreases to the current used market value
Miles Driven per Year : 12,500 miles
Premium Cost Per Lucid : $1,122.27 : $187.05 per month
Multiple Car Policy Discount : YES
Collision Deductible : $500
Comprehensive Deductible : $500
Bodily Injury Coverage : 250k/500k
Under / Uninsured Bodily Injury Coverage : 50K/100K
Rental Coverage: Not included
 
Provider : GEICO
Renewal / Policy Inception : March 13th, 2025
Duration : 6 Months Policy (switched to Gravity June 20th)
Vehicle Area : Los Angeles County (Valencia)
Lucid Trim : Gravity Dream Edition
Insured Lucid Value : FMV
Miles Driven per Year : 10,000 miles
Premium Cost Per Lucid : $2636.80
Multiple Car Policy Discount : No
Collision Deductible : $1500
Comprehensive Deductible : $500
Bodily Injury Coverage : 100k/300k
Under / Uninsured Bodily Injury Coverage : 100K/300K
Rental Coverage: Up to $45 a day
 
Takeshi said:
Hi All,

I wanted to start a thread for California Lucid Air drivers but with more details for the specific so we can better specify and fine tune the California Auto Insurance cost since it's ever increasing every 6 months. Please use the template below for the posts.

Provider : Mercury
Renewal / Policy Inception : April 29th 2025
Duration : 6 Months Policy
Vehicle Area : San Francisco Bay Area
Lucid Trim : Lucid Grand Touring Performance
Insured Lucid Value : 100k (Yes this makes a Huge difference)
Miles Driven per Year : 9876 miles
Premium Cost Per Lucid : $1400 : $233.33 per month
Multiple Car Policy Discount : YES
Collision Deductible : $1000
Comprehensive Deductible : $100
Bodily Injury Coverage : 100k/300k
Under / Uninsured Bodily Injury Coverage : 50K/100K
Rental Coverage: Up to $50 a day
Click to expand...
I suspect that most Lucid owners have an umbrella insurance policy. Most, if not all of them, have a minimum automobile liability insurance requirement. If you have, or intend to have an umbrella policy, make sure your auto insurance meets the umbrella company's minimum requirements. Failure to do so could invalidate an umbrella claim.
 
Here is mine:

Provider : Geico
Renewal / Policy Inception : July 2025
Duration : 6 Months Policy
Vehicle Area : Bay Area
Lucid Trim : Lucid Air Touring
Insured Lucid Value : ?
Miles Driven per Year : 12000 miles
Premium Cost Per Lucid : $1392, $232 per month
Multiple Car Policy Discount : YES
Collision Deductible : $500
Comprehensive Deductible : $500
Bodily Injury Coverage : 300k/500k
Under / Uninsured Bodily Injury Coverage : 300k/500k
Rental Coverage: None
Note: 3 adult drivers and one 19 yo.
 
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