2025 California Auto Insurance Data Thread In DETAIL

[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

It's renewal time. GEICO still came in at $2,600 for 6 months but have managed to get cheaper with Mercury.

Provider : Mercury
Renewal / Policy Inception : September 13th, 2025
Duration : 6 Months Policy
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 : $2,009
Multiple Car Policy Discount : No
Collision Deductible : $1000
Comprehensive Deductible : $1000
Bodily Injury Coverage : 250K/500K
Under / Uninsured Bodily Injury Coverage : 250K/500K
Rental Coverage: Up to $40 a day

** Discounts **
Exceptional Driver, Good Driver, Multi-Policy (Home)

 

[DeaneG]

It's renewal time. GEICO still came in at $2,600 for 6 months but have managed to get cheaper with Mercury.

Provider : Mercury
Renewal / Policy Inception : September 13th, 2025
Duration : 6 Months Policy
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 : $2,009
Multiple Car Policy Discount : No
Collision Deductible : $1000
Comprehensive Deductible : $1000
Bodily Injury Coverage : 250K/500K
Under / Uninsured Bodily Injury Coverage : 250K/500K
Rental Coverage: Up to $40 a day

** Discounts **
Exceptional Driver, Good Driver, Multi-Policy (Home)

Mercury is historically one of the low-cost providers. 40 years ago, my State Farm agent kind of sneered at them. Maybe he couldn't get enough commission to sell it?

 

[Batteryman]

Provider : Geico
Renewal / Policy Inception : 7/2/2025
Duration : 6 Months Policy
Vehicle Area : Phoenix
Lucid Trim : Lucid Touring
Insured Lucid Value : FMV
Miles Driven per Year : 10000
Premium Cost Per Lucid : $708.17
Multiple Car Policy Discount : YES
Collision Deductible : $2500
Comprehensive Deductible : $2500
Bodily Injury Coverage : 300k/500k
Under / Uninsured Bodily Injury Coverage : 300k/500k
Rental Coverage: no coverage

Installed exoshield on windscreen, raised deductible to 2.5k, including glass. After roughly 2 years of no claims, I’ll come out ahead of having a $500 deductible with zero on glass even if I pay 2.5k deductible for a claim.

 

[Amster]

Provider : Geico
Renewal / Policy Inception : 7/2/2025
Duration : 6 Months Policy
Vehicle Area : Phoenix
Lucid Trim : Lucid Touring
Insured Lucid Value : FMV
Miles Driven per Year : 10000
Premium Cost Per Lucid : $708.17
Multiple Car Policy Discount : YES
Collision Deductible : $2500
Comprehensive Deductible : $2500
Bodily Injury Coverage : 300k/500k
Under / Uninsured Bodily Injury Coverage : 300k/500k
Rental Coverage: no coverage

Installed exoshield on windscreen, raised deductible to 2.5k, including glass. After roughly 2 years of no claims, I’ll come out ahead of having a $500 deductible with zero on glass even if I pay 2.5k deductible for a claim.

I was thinking that was an amazing rate, until I realized you're not in California.

 

[HC_79]

Mercury is historically one of the low-cost providers. 40 years ago, my State Farm agent kind of sneered at them. Maybe he couldn't get enough commission to sell it?

State Farm sneers at everyone, lol! I believe Mercury, GEICO & Progressive have all had sneering from the likes of Farmers and State Farm over the years due to them often being significantly cheaper. To its credit, Mercury was the only one that would consider insuring my home after Progressive dropped me and everyone else just outright refused due to fire risk.

One thing is clear in this thread though, it seems insurance companies just pluck a number out of thin air. The Air GT and Gravity fully loaded are very similar in price yet the premium carries a $1000 difference, makes no sense.