Lakeside, CA Car Insurance

On average, Lakeside drivers pay a monthly average rate of around $50 for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What can Lakeside residents expect to pay for their car insurance? How do rates in Lakeside measure up compared to neighboring areas, including California as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Lakeside?

Area Average Monthly Car Insurance Premium
Lakeside$50
CA$56
United States$80

Based on the chart above, you can see that it's about $6 a month cheaper to insure your vehicle in Lakeside than it is in the rest of California.

Similarly, the expected monthly payments for an auto insurance policy in Lakeside are below the national average. It's around $30 less to insure your vehicle compared to the average rate for the U.S. as a whole.

While these are the average car insurance rates for Lakeside, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly policy payment.

We've done the heavy lifting for you and broken down the average rate for Lakeside so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$83
25-34$43
35-44$42
45-54$41
55-64$40
65+$43

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may start to rise again in Lakeside.

Average Car Insurance Rates by Gender

Gender Average
Male$54
Female$47

On average, female drivers pay slightly less for car insurance than their male counterparts. In Lakeside, male drivers pay about $7 more a month. As illustrated in the table above, male drivers in the area pay about $54 on average, while female drivers pay around $47 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$54
Multiple Accidents$88
1 Ticket$63
Multiple Tickets$135

One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Lakeside, having a single accident on your record will usually get you rates around $54 a month. Likewise, drivers with one ticket will be looking at a rate of around $63 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$52
2-3 Years$50
4-5 Years$38
6-7 Years$46
8-10 Years$50
11-14 Years$56
15 Years or Older$49

If you look at the first table above, the cheapest vehicles to insure in Lakeside are typically SUVs, at $44 per month.

Truck and van drivers will see rates of about $48, while the rates for car owners average out to about $52 per month.

You may also see different rates based on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Lakeside, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$56
Married$39
Divorced$41
Widowed$39

Generally, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lakeside, with married couples paying about $17 less per month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$43
Rent$49
Live with parents$76

Your housing status is another component of how insurance companies calculate your monthly rate. Drivers who own property in Lakeside can expect to pay around $6 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Lakeside, CA

Recent trends in car insurance for Lakeside drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

In Lakeside, the rates for car insurance had been decreasing from 2016-2017, before leveling out in 2018. Policy premiums increased again recently, reaching a high of $66 in 2021.

How does Lakeside compare to neighboring areas?

Why are car insurance rates in Lakeside different from other areas?

Car insurance companies look at numerous factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Rate of car accidents
  • Community laws
  • Crime levels
  • Total amount of drivers in the community
  • Availability of off-street parking

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.

How can I find the cheapest car insurance in Lakeside?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Fortunately, Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer plans in Lakeside.

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Lakeside Insurance FAQs

What factors affect car insurance quotes in Lakeside?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Lakeside different from other neighboring cities?

Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Lakeside?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lakeside?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lakeside or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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