2025 California Auto Insurance Data Thread In DETAIL

[Takeshi]

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

 

[Amster]

I'll add my details later. They'll make everyone else feel really good about their policy!

 

[Greg-TT]

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

 

[Takeshi]

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

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.

 

[Amster]

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.

Is that rate for all the cars or just the Air?

 

[Takeshi]

Is that rate for all the cars or just the Air?

@Amster my rate or Greg-TT's? For the rate I posted originally it is only for the Lucid Air's premium.

 

[Amster]

I'll add my details later. They'll make everyone else feel really good about their policy!

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

 

[Tâm]

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

 

[HC_79]

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

 

[Steveinarizona]

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

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.

 

[kopik]

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.

 

[donfenn]

THIS IS PENDING RENEWAL.. was formerly Liberty Mutual, but they handled off all California Auto Policies to Safeco..
Provider : Safeco
Renewal / Policy Inception : Renewal Sept 1 2025
Duration : 12 Months Policy
Vehicle Area : Los Angeles (Encino)
Lucid Trim : Lucid Air AWD
Insured Lucid Value : stated Lease value
Miles Driven per Year : 10K miles
Premium Cost Per Lucid : $5888 YR. $815 MO
Multiple Car Policy Discount : YES
Collision Deductible : $1000
Comprehensive Deductible : $100
Bodily Injury Coverage :500K/500K. I am required to have higher limits for my personal umbrella
Under / Uninsured Bodily Injury Coverage : 500K/500K
Rental Coverage: Up to $50 a day

 

[Amster]

THIS IS PENDING RENEWAL.. was formerly Liberty Mutual, but they handled off all California Auto Policies to Safeco..
Provider : Safeco
Renewal / Policy Inception : Renewal Sept 1 2025
Duration : 12 Months Policy
Vehicle Area : Los Angeles (Encino)
Lucid Trim : Lucid Air AWD
Insured Lucid Value : stated Lease value
Miles Driven per Year : 10K miles
Premium Cost Per Lucid : $5888 YR. $815 MO
Multiple Car Policy Discount : YES
Collision Deductible : $1000
Comprehensive Deductible : $100
Bodily Injury Coverage :500K/500K. I am required to have higher limits for my personal umbrella
Under / Uninsured Bodily Injury Coverage : 500K/500K
Rental Coverage: Up to $50 a day

Your math is wrong. I get $490 per month. Much better than $815!

 

[donfenn]

Your math is wrong. I get $490 per month. Much better than $815!

My error... the $815 was monthly in policy statement, which included other vehicles on my auto.. $5887 is for Lucid and $490 is corrected monthly for Lucid alone---

 

[Amster]

My error... the $815 was monthly in policy statement, which included other vehicles on my auto.. $5887 is for Lucid and $490 is corrected monthly for Lucid alone---

You're almost up to my price!

 

[Sandvinsd]

Provider : Mercury
Renewal / Policy Inception : 5/4/2025
Duration : 6 Months Policy
Vehicle Area : San Diego
Lucid Trim : Lucid Grand Touring
Insured Lucid Value : FMV
Miles Driven per Year : 12001
Premium Cost Per Lucid : $1662
Multiple Car Policy Discount : YES
Collision Deductible : $1000
Comprehensive Deductible : $1000
Bodily Injury Coverage : 100k/500k
Under / Uninsured Bodily Injury Coverage : 250k/500k
Rental Coverage: Up to $50 a day

 

[Tâm]

Slight increase of $3.06/6 months for Lucid this coming renewal for my Wawanesa premium.

 

[donfenn]

I just went back into the marketplace because the rates provided by Safeco were so incredibly high. I could not get Wawanesa quote online because they do not list Lucid air... I shopped Progressive, Mercury and Geico. I ended up with new Geico 6 month policy which worked out to be couple hundred $ less annually than my expiring Liberty Mutual policy. I have max liability coverage to satisfy stipulations of personal umbrella policy.

Provider : Geico
Renewal / Policy Inception : 9/5/2025
Duration : 6 Months Policy
Vehicle Area : Encino (Los Angeles)
Lucid Trim : Lucid Air AWD
Insured Lucid Value : FMV
Miles Driven per Year : 11000
Premium Cost Per Lucid : $1917
Multiple Car Policy Discount : YES
Collision Deductible : $1000
Comprehensive Deductible : $1000
Bodily Injury Coverage : 300k/500k
Under / Uninsured Bodily Injury Coverage : 300k/500k
Rental Coverage: None requested... I have access to other vehicles if needed

 

[Takeshi]

I have upped my mileage for my Lucid Air from from 10,000 to 13,000. I did slightly increase my Comprehensive Deductible to offset some of the premium cost added so that it did not change the overall rate too much.

Provider : Mercury
Renewal / Policy Inception : April 29th 2025
Duration : 6 Months Policy
Vehicle Area : San Francisco Bay Area
Lucid Trim : Lucid Air Grand Touring Performance
Insured Lucid Value : 100k (Yes this makes a Huge difference)
Miles Driven per Year : 13000 miles
Premium Cost Per Lucid : $1423.40 : $237.23 per month
Multiple Car Policy Discount : YES
Collision Deductible : $1000
Comprehensive Deductible : $250
Bodily Injury Coverage : 100k/300k
Under / Uninsured Bodily Injury Coverage : 50K/100K
Rental Coverage: Up to $50 a day\
Note : 2 adult drivers : both (30's) on the policy.

@Tâm You have the insurance rate I've seen so far ! Speaking of Wawanesa; I've tried quoting with them and I was surprised to see a difference in price at $1811 for my Air. So zip-code definitely plays a factor into how they assess risk and the insurance premium.

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

Slight increase of $3.06/6 months for Lucid this coming renewal for my Wawanesa premium.

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