Insuring a Lucid costs about $4,013 a year for a typical model at the US average — above average — pricier than most brands. The cheapest is the Air (~$4,013/yr), the priciest the Air (~$4,013/yr). Your own rate shifts with your state, age and record, but the model you pick sets the baseline: across 1 Lucids that baseline spans $4,013 to $4,013 a year.
Lucid insurance cost by model
Estimated annual premium for every Lucid model at the US average, cheapest first — from real HLDI insurance-loss indices. Click a model for its full page — all 1 of them, from the Air up to the Air.
| Model | Est. premium | vs average | Verdict |
|---|---|---|---|
| Air | $4,013/yr | 279% of avg | Pricey |
Cheapest Lucids to insure
The Lucid models that cost the least to insure at the US average.
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Lucid insurance cost by state — all 50
Where you live moves a Lucid premium as much as which model you pick. A typical Lucid (index 279) runs about $5,564/yr in Florida but only $2,585/yr in Maine — a swing of over $2,979 on the same car.
Estimated annual premium for a typical Lucid in every state, priciest first.
| State | Typical Lucid / yr | vs US average |
|---|---|---|
| Florida | $5,564/yr | +39% vs US |
| Louisiana | $5,524/yr | +38% vs US |
| New York | $5,292/yr | +32% vs US |
| District of Columbia | $5,075/yr | +26% vs US |
| Georgia | $4,874/yr | +21% vs US |
| Texas | $4,820/yr | +20% vs US |
| Rhode Island | $4,772/yr | +19% vs US |
| New Jersey | $4,725/yr | +18% vs US |
| Colorado | $4,620/yr | +15% vs US |
| Maryland | $4,472/yr | +11% vs US |
| Nevada | $4,467/yr | +11% vs US |
| Michigan | $4,388/yr | +9% vs US |
| Delaware | $4,380/yr | +9% vs US |
| South Carolina | $4,233/yr | +5% vs US |
| Connecticut | $4,210/yr | +5% vs US |
| Arizona | $4,198/yr | +5% vs US |
| California | $3,954/yr | -1% vs US |
| Massachusetts | $3,945/yr | -2% vs US |
| Mississippi | $3,892/yr | -3% vs US |
| Oklahoma | $3,697/yr | -8% vs US |
| Missouri | $3,691/yr | -8% vs US |
| New Mexico | $3,631/yr | -10% vs US |
| Arkansas | $3,619/yr | -10% vs US |
| Utah | $3,585/yr | -11% vs US |
| Pennsylvania | $3,554/yr | -11% vs US |
| Alabama | $3,541/yr | -12% vs US |
| Oregon | $3,540/yr | -12% vs US |
| Alaska | $3,524/yr | -12% vs US |
| Illinois | $3,507/yr | -13% vs US |
| Virginia | $3,456/yr | -14% vs US |
| Washington | $3,446/yr | -14% vs US |
| West Virginia | $3,426/yr | -15% vs US |
| Minnesota | $3,415/yr | -15% vs US |
| Tennessee | $3,382/yr | -16% vs US |
| Kentucky | $3,372/yr | -16% vs US |
| Nebraska | $3,304/yr | -18% vs US |
| Montana | $3,304/yr | -18% vs US |
| Kansas | $3,298/yr | -18% vs US |
| Wyoming | $3,294/yr | -18% vs US |
| South Dakota | $3,231/yr | -19% vs US |
| North Carolina | $3,060/yr | -24% vs US |
| Ohio | $2,896/yr | -28% vs US |
| New Hampshire | $2,880/yr | -28% vs US |
| Indiana | $2,880/yr | -28% vs US |
| Iowa | $2,818/yr | -30% vs US |
| Wisconsin | $2,792/yr | -30% vs US |
| Hawaii | $2,786/yr | -31% vs US |
| Idaho | $2,738/yr | -32% vs US |
| North Dakota | $2,683/yr | -33% vs US |
| Vermont | $2,673/yr | -33% vs US |
| Maine | $2,585/yr | -36% vs US |
Estimate a specific Lucid model in your state →
Lucid insurance cost by year
A typical Lucid costs about +19% more to insure than in 2019 — premiums have climbed across the board. Estimated typical Lucid premium by year (US average):
| Year | Typical Lucid / yr |
|---|---|
| 2023 | |
| 2022 | |
| 2021 | |
| 2020 | |
| 2019 |
For how insurance changes by a car's model year (a 2018 vs a 2024 of the same model), see each model's page.
Insurance cost rankings
Full lists ranked by the same HLDI loss data behind every Lucid figure above.
| Ranking | Tops the list | Estimated cost | Cars ranked |
|---|---|---|---|
| Cheapest Cars | Chevrolet Express | $690/yr | 669 |
| Priciest Cars | McLaren 720S | $10,589/yr | 669 |
| Cheapest for Teen Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for Young Drivers | Chevrolet Express | $690/yr | 309 |
| Cheapest for New Drivers | Chevrolet Express | $690/yr | 591 |
Lucid insurance — frequently asked
Is Lucid expensive to insure?
Lucid is above average — pricier than most brands to insure — a typical model runs about $4,013/yr at the US average. Sportier and pricier models cost more; mainstream ones cost less — the gap inside the range runs from $4,013 to $4,013.
What is the cheapest Lucid to insure?
The Air is the cheapest Lucid to insure in our data — around $4,013/yr at the national average, about -179% below a typical car.
What is the most expensive Lucid to insure?
The Air is the priciest Lucid to insure — roughly $4,013/yr, about 179% above the average car.
How much is insurance on a Lucid per month?
A typical Lucid costs about $334/month at the US average for full coverage. It varies by exact model, your state, age and driving record — the cheapest Lucid runs about $334/month, the priciest $334.
How is this Lucid estimate calculated?
We combine each Lucid model's real HLDI insurance-loss index with the NAIC average premium for the US (or your state). It's an estimate for a typical driver with full coverage — not a quote.