How Much Does Insurance Cost for a Lucid Air?
The average cost of car insurance for a Lucid Air is $673 per month.
Find Cheap Lucid Air Insurance Quotes in Your Area
Cars from Lucid Motors are typically more expensive to insure than other cars because they cost more to repair.
How much does insurance cost for a Lucid Air sedan?
On average, drivers pay about $673 per month for full coverage car insurance on a Lucid Air.
This rate is more than twice as much as drivers pay for full coverage insurance on a Tesla, on average. The cost of your insurance will depend on your driving history, your location, the model of your Lucid Air and other similar factors.
Find Cheap Lucid Air Insurance Quotes in Your Area
Average cost of insurance by model
Model | Average monthly rate |
|---|---|
| Lucid Air Pure | $542 |
| Lucid Air Touring | $736 |
| Lucid Air Grand Touring | $605 |
| Lucid Air Sapphire | $810 |
Which companies offer the cheapest insurance for Lucid Air?
Geico offers the cheapest insurance for Lucid Air Pure and Touring models. State Farm's insurance is cheapest for the Grand Touring and Sapphire models.
Average insurance costs by company and by model
Air
Touring
Grand Touring
Sapphire
Company | Average monthly rate | ||
|---|---|---|---|
| Geico | $264 | |
| USAA* | $341 | |
| State Farm | $348 | |
| Allstate | $549 | |
| Progressive | $652 |
*USAA is only available to military members, veterans and their families.
Air
Company | Average monthly rate | ||
|---|---|---|---|
|
| Geico | $264 | |
|
| USAA* | $341 | |
|
| State Farm | $348 | |
|
| Allstate | $549 | |
|
| Progressive | $652 |
*USAA is only available to military members, veterans and their families.
Touring
Company | Average monthly rate | ||
|---|---|---|---|
|
| Geico | $285 | |
|
| State Farm | $348 | |
|
| USAA* | $380 | |
|
| Allstate | $612 | |
|
| Progressive | $652 |
*USAA is only available to military members, veterans and their families.
Grand Touring
Company | Average monthly rate | ||
|---|---|---|---|
|
| State Farm | $348 | |
|
| USAA* | $380 | |
|
| Geico | $386 | |
|
| Progressive | $652 | |
|
| Allstate | $760 |
*USAA is only available to military members, veterans and their families.
Sapphire
Company | Average monthly rate | ||
|---|---|---|---|
|
| State Farm | $348 | |
|
| USAA* | $380 | |
|
| Geico | $399 | |
|
| Progressive | $652 | |
|
| Allstate | $751 |
*USAA is only available to military members, veterans and their families.
Find Cheap Lucid Air Insurance Quotes in Your Area
What makes Lucid Air different from other cars?
Lucid Motors is a luxury electric vehicle company that makes EVs with long-distance driving ranges and high-tech driving systems. The Lucid Air is their flagship sedan and is available in four models at different price points.
Key features of the Lucid Air EV lineup
Model | Horsepower | Estimated range | Base price |
|---|---|---|---|
| Pure | 430 hp | 420 miles | $70,900 |
| Touring | 620 hp | 431 miles | $79,900 |
| Grand Touring | 819 hp | 512 miles | $114,900 |
| Sapphire | 1,234 hp | 427 miles | $249,000 |
Though prices are high, the Air has some of the longest ranges of any electric vehicle on the market. This makes it a good choice for people who take a lot of road trips or live in more rural areas.
Lucid also can use fast charging, giving you up to 200 miles of range in just 16 minutes, according to the company.
Pros:
-
Extremely long ranges with one charge
-
Fast charging capabilities
-
4-year/50,000-mile standard warranty
Cons:
-
Expensive
-
Still a new company with some unreliable software
Cost to lease a Lucid Air
Lucid can lease cars directly to you rather than having you go through a dealership. Monthly rates differ depending on the model.
- Lucid Air Pure: Leases start at $599 per month with $5,519 due at signing.
- Lucid Air Touring: Leases start at $649 per month with $6,809 due at signing.
- Lucid Air Grand Touring: Leases start at $999 per month with $7,439 due at signing.
- Lucid Air Sapphire: Leases are not available on Sapphire models as of January 2026.
Lucid Air safety features
All Lucid Air models come equipped with safety features designed to lower the chances of an accident. These features may also help you save on your car insurance. Talk to your insurance agent to see if you qualify for any discounts.
Safety ratings for the Lucid Air
The Lucid Air has a five-star rating from the National Highway Traffic Safety Administration (NHTSA). The rating applies to all Lucid Air models. The cars tested well in front, side and rollover collisions.
Frequently asked questions
Does Lucid offer its own insurance?
As of January 2026, Lucid does not offer its own insurance. You'll need to buy coverage from a regular insurance company. Most national companies and many local agencies can cover electric vehicles, including those from Lucid.
Is it more expensive to insure a Lucid Air than it is to insure a Honda Civic?
Yes. On average, drivers pay $542 for full coverage insurance on a base model Lucid Air Pure. However, people driving a Honda Civic pay $253 per month for similar coverage.
Which Lucid Air model is the cheapest to insure?
The Lucid Air Pure is the cheapest to insure, with rates averaging $542 per month. Remember that this is only an average. Your rates may be higher or lower depending on your driving history, your location and any discounts you may qualify for with your insurance company.
Which Lucid Air model is the most expensive to insure?
The Lucid Air Sapphire is the most expensive model and costs the most to insure, with rates averaging $810 per month. Consider shopping around for coverage, and compare quotes in detail.
Is insurance on Lucid models or Tesla models cheaper?
Insurance on Tesla vehicles is typically cheaper than insurance on cars from Lucid Motors. On average, Tesla drivers pay $329 per month for full coverage, while Lucid Air drivers pay an average of $673 per month.
Methodology
ValuePenguin gathered insurance quotes for the 2025 models of Lucid Air.
Rates are state averages in Texas for a 30-year-old with good credit and a clean driving record. All quotes are for full coverage, which includes comprehensive and collision coverage along with higher liability limits than the state average. Our editors included rates from six of the largest insurance companies in the country: Allstate, Geico, Farmers, Progressive, State Farm and USAA.
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only, as your quotes may be different. Full-coverage policies include coverage limits above minimum requirements.
Other sources
Information about the Lucid Air safety ratings is from NHTSA. Specifications and pricing for all Lucid Air models are from Lucid Motors.
Writer
Sarah Jones is a Staff Writer focused on helping readers understand complex insurance topics. She joined Value Penguin in 2025 after working for over a decade in marketing, where she specialized in writing for financial services firms, law firms and real estate companies. She's written for leading mortgage lenders, online banks, virtual payment services and insurance companies.
When she isn't writing, she enjoys hiking the mountains of northern New Mexico with her dog and her family and trying every local coffee shop she can find.
How insurance helped Sarah
Sarah became passionate about car insurance after a particularly big sneeze caused her to back her car into a stone wall. In her defense, the wall came out of nowhere.
Expertise
- Car insurance
- Home insurance
- Renters insurance
Education
- BA, English Language and Literature, Smith College
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.
