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.

 

[Bus Driver]

Ouch! I had been thinking I was getting off lightly, until I got my auto policy renewal in my email today. That’s a $600 per annum increase. I’ve made only one claim (Comprehensive) in the three years I’ve owned the car. And that comprehensive claim was in regards to replacing my rear windshield and ergo almost my entire glass roof, and trim pieces. My rear windshield cracked for no discernible reason. Rather than fight with Lucid and my auto detailer and tinter to cover an $8000 job, I took it on the chin and had the replacement work done using my comprehensive coverage.

Provider : USAA
Renewal / Policy Inception : November 18th 2025
Duration : 6 Months Policy
Vehicle Area : San Diego
Lucid Trim : Lucid Grand Touring
Insured Lucid Value : FMV
Miles Driven per Year : 12000
Premium Cost Per Lucid : $2186
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: None Bought

 

[socktucker]

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

2500$ deductibles too

 

[Amster]

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

Just got my renewal for next year. The Lucid is now down to $5164 for the year, a $876 reduction! At the end of February, all accidents drop off the record, and I can shop around again. But in the meantime, I'm happy.

 

[chork]

Provider : Allstate
Renewal / Policy Inception : April 2026
Duration : 6 Months Policy
Vehicle Area : Sacramento Area (land of crappy drivers, it says "Lucid" on the back of my car NOT "Tailgate me, I'm lonely.")
Lucid Trim : 2024 Lucid Air Pure
Insured Lucid Value : 76.5k(ish)
Miles Driven per Year : 10000 miles
Premium Cost Per Lucid : $2563.02 : $427.17 per month
Multiple Car Policy Discount : YES
Collision Deductible : $2000
Comprehensive Deductible : $1000
Bodily Injury Coverage : 250k/500k
Under / Uninsured Bodily Injury Coverage : 50K/100K
Rental Coverage: $30.00 day for maximum 30 days
Note: 1 driver. 1 male (68) with 0 accidents and tickets, multiple policies w/Allstate including an Umbrella Policy which dictates what car insurance coverage has to be

Many of the quotes here are hard to tell if it is a bundled policy: Car, auto, home (w/ earthquake ins.) and umbrella, which could make a difference on coverage and thus pricing, especially if you have an umbrella policy. I am sure being married gives you a break as being single you are considered more of a risk because as a 68 year old male I am always out there looking for that next car race to land me in jail , NOT.