Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Lodi after a DUI is Liberty Mutual
  • Average car insurance rates in Lodi, CA are $290/month
  • Average car insurance rates in Lodi, CA for senior drivers are $2,083/year

Average car insurance rates in Lodi, California are $290 a month. But with a little research you can get a great deal from the top car insurance companies in Lodi, CA. Before you buy Lodi, California car insurance, make sure your coverage meets or exceeds the California minimum of 15/30/5.

It may even be helpful to compare Lodi car insurance rates with Oakland car insurance rates, Sacramento car insurance rates, or Anaheim car insurance rates to make sure you’re getting the best Lodi, CA car insurance quotes available.

Need affordable Lodi, CA car insurance? Enter your ZIP code to compare Lodi car insurance quotes from multiple car insurance companies near you.

Lodi, CA Minimum Car Insurance Coverage

Lodi, California law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lodi, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Lodi, CA Car Insurance Rates by Coverage Level

Some Lodi drivers can get by with the California minimum coverage of 15/30/5. Other drivers may need more. See how much your Lodi, California car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Lodi, California

Insurance Company Low Medium High
Allstate $4,267 $4,572 $4,751
Farmers $4,388 $4,749 $5,003
GEICO $2,440 $2,746 $2,958
Liberty Mutual $2,601 $2,822 $2,969
Nationwide $3,787 $4,339 $4,645
Progressive $2,188 $2,556 $2,673
State Farm $3,625 $4,107 $4,370
Travelers $2,839 $3,328 $3,565
USAA $2,291 $2,586 $2,729

Lodi, CA Car Insurance Rates by Age, Gender, and Marital Status

Lodi, California car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lodi, CA car insurance, get quotes from multiple car insurance companies in the Lodi area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lodi, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,934 $2,939 $2,132 $2,153 $8,064 $10,143 $3,749 $4,123
Farmers $2,566 $2,566 $2,312 $2,312 $8,162 $13,370 $3,038 $3,381
GEICO $1,686 $1,687 $1,586 $1,586 $5,095 $5,183 $2,417 $2,474
Liberty Mutual $2,130 $2,015 $1,979 $1,917 $4,606 $4,911 $2,398 $2,423
Nationwide $2,998 $2,862 $2,639 $2,488 $7,584 $8,391 $3,574 $3,522
Progressive $1,551 $1,593 $1,331 $1,570 $4,142 $4,963 $2,232 $2,394
State Farm $3,177 $3,177 $2,836 $2,836 $5,844 $7,262 $3,516 $3,623
Travelers $2,424 $2,349 $2,141 $2,118 $4,982 $5,704 $3,149 $3,084
USAA $1,818 $1,724 $1,772 $1,781 $4,146 $4,162 $2,508 $2,372

Lodi, CA Car Insurance Rates for Teens

How much is Lodi, California car insurance for teens? Compare rates from top Lodi car insurance companies below to help find the cheapest teen car insurance in Lodi, CA.

Annual Car Insurance Rates for Teen Drivers in Lodi, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,064 $10,143
Farmers $8,162 $13,370
GEICO $5,095 $5,183
Liberty Mutual $4,606 $4,911
Nationwide $7,584 $8,391
Progressive $4,142 $4,963
State Farm $5,844 $7,262
Travelers $4,982 $5,704
USAA $4,146 $4,162

Lodi, CA Car Insurance Rates for Seniors

Before seniors buy Lodi, California car insurance, they should make sure to shop around. Some Lodi, CA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lodi, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,132 $2,153
Farmers $2,312 $2,312
GEICO $1,586 $1,586
Liberty Mutual $1,979 $1,917
Nationwide $2,639 $2,488
Progressive $1,331 $1,570
State Farm $2,836 $2,836
Travelers $2,141 $2,118
USAA $1,772 $1,781

Lodi, CA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lodi, California car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lodi.

Annual Lodi, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,728 $4,587 $7,224 $3,580
Farmers $3,485 $4,745 $5,911 $4,712
GEICO $1,900 $2,923 $3,678 $2,357
Liberty Mutual $2,427 $3,252 $2,936 $2,573
Nationwide $2,970 $3,812 $6,435 $3,812
Progressive $1,620 $2,755 $3,179 $2,334
State Farm $2,878 $3,433 $6,485 $3,340
Travelers $2,169 $3,525 $4,098 $3,184
USAA $1,685 $2,506 $4,104 $1,846

Lodi, CA Car Insurance Rates With a DUI

Even a single DUI can increase your Lodi, CA car insurance rates. Compare rates below to see which Lodi car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lodi, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,224
Farmers $5,911
GEICO $3,678
Liberty Mutual $2,936
Nationwide $6,435
Progressive $3,179
State Farm $6,485
Travelers $4,098
USAA $4,104

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Lodi, CA Car Insurance Rates by ZIP Code

Just like Lodi car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Lodi, CA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Lodi, California

ZIP Code Average Annual Rates
95240 $4,825
95242 $4,677

Lodi, CA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lodi, CA car insurance rates may be. Let’s take a look at average car insurance rates from top Lodi companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lodi, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,078 $4,981
Farmers $4,277 $5,150
GEICO $2,466 $2,963
Liberty Mutual $2,568 $3,027
Nationwide $3,765 $4,749
Progressive $2,242 $2,703
State Farm $3,886 $4,181
Travelers $2,919 $3,569
USAA $2,336 $2,735

Lodi, CA Cheapest Car Insurance Rates

How do the top Lodi, California car insurance companies’ average rates stack up against the Lodi average monthly car insurance rates of $290? Take a look and see.

Best Annual Car Insurance Rates by Company in Lodi, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Lodi, CA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lodi, California car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Lodi, California

Insurance Company Average Annual Rates
Allstate $4,530
Farmers $4,713
GEICO $2,714
Liberty Mutual $2,797
Nationwide $4,257
Progressive $2,472
State Farm $4,034
Travelers $3,244
USAA $2,535

Other Factors Affecting Lodi, CA Car Insurance Rates

Before you buy Lodi, California car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lodi, CA Car Theft Rates

The car theft rate in Lodi, CA will affect your car insurance rates. FBI data shows that the annual car theft rate for Lodi, California is 342 stolen cars.

Lodi, CA Commute Time

How does your Lodi, CA commute time compare with the average driver? In Lodi, the average commute is 26.3 minutes.

Lodi, CA Traffic

Spending time in Lodi traffic can lead to higher car insurance rates. According to INRIX data, Lodi, CA ranks as the 464th-most congested with traffic in the world.

Lodi, CA Car Insurance Quotes

Compare Lodi, CA car insurance quotes from multiple companies by entering your ZIP code now.