Lucid Insurance Cost
Across 2 current Lucid models, full coverage averages about $2,360 a year by our estimate — +48% versus the average vehicle ($1,590).
Lucid insurance profile
Lucid is a luxury brand, so repair parts, sensors and labor tend to cost more. Its current lineup includes 1 luxury suv and 1 luxury car. HLDI collision losses for its models average 361 (100 = all-vehicle average).
Every Lucid model ranked by insurance cost
What makes Lucid insurance cost more or less
- Luxury parts and labor: premium materials, advanced driver-assistance sensors and dealer-only repairs raise collision claim costs.
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Claims history: HLDI collision indices across 1 models range from 361 to 361, so the model you pick matters as much as the brand.
- Segment mix: 1 luxury suv, 1 luxury car.
Average Lucid insurance cost by state
Average full-coverage estimate across current Lucid models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| Maine | $1,568 | −34% |
| North Dakota | $1,603 | −32% |
| Idaho | $1,620 | −31% |
| Wisconsin | $1,638 | −31% |
| Iowa | $1,655 | −30% |
| Vermont | $1,665 | −29% |
| Indiana | $1,725 | −27% |
| Ohio | $1,740 | −26% |
| Hawaii | $1,748 | −26% |
| New Hampshire | $1,760 | −25% |
| South Dakota | $1,848 | −22% |
| North Carolina | $1,905 | −19% |
| Wyoming | $1,910 | −19% |
| Kansas | $1,915 | −19% |
| Montana | $1,915 | −19% |
| Nebraska | $1,925 | −18% |
| Kentucky | $1,948 | −17% |
| Minnesota | $1,978 | −16% |
| Washington | $1,990 | −16% |
| Oregon | $2,010 | −15% |
| West Virginia | $2,030 | −14% |
| Virginia | $2,040 | −14% |
| Tennessee | $2,048 | −13% |
| Utah | $2,060 | −13% |
| Illinois | $2,103 | −11% |
| Alaska | $2,130 | −10% |
| Alabama | $2,135 | −10% |
| New Mexico | $2,138 | −9% |
| Missouri | $2,148 | −9% |
| Pennsylvania | $2,158 | −9% |
| Oklahoma | $2,175 | −8% |
| Arkansas | $2,193 | −7% |
| Mississippi | $2,290 | −3% |
| South Carolina | $2,368 | 0% |
| Massachusetts | $2,390 | +1% |
| Arizona | $2,413 | +2% |
| Connecticut | $2,458 | +4% |
| Delaware | $2,470 | +5% |
| California | $2,495 | +6% |
| Nevada | $2,508 | +6% |
| Colorado | $2,605 | +10% |
| Maryland | $2,620 | +11% |
| Michigan | $2,655 | +13% |
| New Jersey | $2,703 | +15% |
| Georgia | $2,753 | +17% |
| Rhode Island | $2,783 | +18% |
| Texas | $2,813 | +19% |
| New York | $3,020 | +28% |
| Florida | $3,055 | +29% |
| District of Columbia | $3,073 | +30% |
| Louisiana | $3,188 | +35% |
Frequently asked questions
How much does it cost to insure a Lucid?
Across 2 current Lucid models, our full-coverage estimate averages $2,360 a year for a driver in their 30s with a clean record, 48% more than the average vehicle ($1,590).
What is the cheapest Lucid to insure?
The Lucid Gravity has the lowest estimate at about $1,895 a year for full coverage; the Lucid Air is the most expensive at about $2,825.
Are Lucid repairs expensive for insurers?
HLDI collision-loss data for 1 Lucid models averages 361 (100 = average of all vehicles), which is much worse than average. Collision losses combine how often claims happen and how much repairs cost.
Where is it cheapest to insure a Lucid?
By our estimates, Maine is the cheapest state (about $1,568 a year on average across current models) and Louisiana the most expensive (about $3,188).
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.