Cheapest and Best Car Insurance Companies in Lancaster, CA
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, Content DirectorThe best and cheapest insurer for you may vary depending on your driver profile and needs. GEICO is the cheapest provider for both minimum and full coverage policies in Lancaster. It is also the best overall provider. Military drivers will get the cheapest rates from USAA, while teen drivers will find the most affordable policies from State Farm. Drivers with a speeding ticket or DUI offense should consider National General for the cheapest rates. Capital Insurance is the most affordable option for those with at-fault accidents. If customer service is your top priority, opt for Chubb.
Cheapest and Best Car Insurance in Lancaster, CA








Cheapest Minimum Liability Car Insurance in Lancaster
The cheapest car insurance companies for a minimum coverage policy in Lancaster, CA, are:
- GEICO: $458 per year
- Mercury: $520 per year
Chubb offers the most expensive auto insurance in the city for a minimum coverage policy at $890 per year.
In California, it's mandatory that drivers carry bodily injury liability and property damage liability. The following coverage limits are required in the state:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
Liability insurance covers the cost of damages to other drivers and their vehicles, not your own. With a minimum coverage policy in California, insurers are required to pay for $15,000 of medical expenses per injured person up to $30,000 per accident. You will be responsible for any costs exceeding this amount.
Cheapest Full Coverage Car Insurance in Lancaster
The following insurers offer the cheapest full coverage policies in Lancaster:
- GEICO: $1,163 per year
- Progressive: $1,192 per year
Of the insurers in our comparison group, Chubb has the most expensive rates at $2,025 per year for a full coverage policy.
Full coverage policies provide more protection than liability-only policies, as they include collision and comprehensive insurance for your vehicle.
- Collision insurance covers damages to your vehicle from a collision with another vehicle or object.
- Comprehensive insurance pays for damages to your vehicle resulting from theft, natural disasters, vandalism or fire.
Full coverage policies are typically best for owners of new vehicles that want to safeguard their investment. It may not be worth the added cost for drivers with older cars.
Cheapest Car Insurance in Lancaster After a Driving Offense
Drivers with violations in Lancaster will get the cheapest rates from the following insurers:
- Speeding ticket: National General ($1,431 per year)
- At-fault accident: Capital Insurance Group ($1,807 per year)
- DUI: National General ($1,431 per year)
The most expensive car insurers for drivers with offenses are Chubb for speeding tickets ($2,662 per year), Kemper for at-fault accidents ($3,688 per year) and Hartford for DUI offenses ($6,272 per year). A violation will significantly increase the cost of your insurance. Even rates from “cheap” companies for drivers with violations will be more than those for drivers with a clean driving record.
Typically, car insurance rates increase in proportion to the severity of the driving offense. For instance, drivers with speeding tickets pay $1,486 more for car insurance than those with DUI offenses. Although drivers will pay more for car insurance, finding relatively cheap car insurance with a bad driving record is still attainable.
Cheapest Car Insurance in Lancaster for Teens and Their Families
The most affordable car insurance providers for 16-year-old teens on a family policy in Lancaster, CA, are:
- State Farm: $3,294 per year for female and male teens
- Farmers: $3,414 per year for female and male teens
Nationwide offers the most expensive auto insurance for teens on a family insurance policy at $5,739 per year. Although not the case in Lancaster, male teens typically pay more than female teens for car insurance as providers consider them riskier to insure. However, this discrepancy typically decreases as male teens gain more experience behind the wheel and move into early adulthood.
Families with teens can save money by adding them to an existing family policy instead of purchasing an individual policy. In Lancaster, an individual policy for a 16-year-old male costs $4,498, $673 more than the cost of adding them to a family policy, $3,825. To obtain affordable car insurance for teenage drivers, compare providers’ rates and look for discount opportunities.
Cheapest Car Insurance in Lancaster for Military Drivers
In Lancaster, military drivers can get the cheapest rates for full coverage policies from the following insurers:
- USAA: $933 per year
- GEICO: $1,163 per year
For minimum coverage policies, the cheapest car insurance for military drivers can be obtained from USAA or GEICO at an average of $399 per year and $458 per year, respectively.
How to Compare Cheap Lancaster Car Insurance Quotes Online
It can take up to 15 minutes to input the personal information required for a single auto insurance quote. If you’re comparing rates from multiple providers, this time can quickly add up.
Fortunately, MoneyGeek streamlined this process with our car insurance calculator. Simply input your age, vehicle type, coverage level and driving record to receive a car insurance estimate.
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Best Car Insurance in Lancaster: Summary
The best car insurer for you will vary based on how much you value customer service, affordability and coverage options. The following insurers are the best in Lancaster for these key categories:
- Best overall: GEICO (MoneyGeek score of 75 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
The overall MoneyGeek score varies based on certain factors weighted for every category. The best car insurance in California is CSAA. USAA is another excellent all-around insurer in Lancaster for military drivers, earning a high MoneyGeek score of 85 out of 100.
Best Overall Car Insurance in Lancaster
The best car insurance companies for full coverage policies in Lancaster are:
- GEICO: MoneyGeek score of 75 out of 100 ($1,163 per year)
- Progressive: MoneyGeek score of 73 out of 100 ($1,192 per year)
Of the insurers in our comparison group, GEICO offers the cheapest rates and has a better-than-average customer service score. USAA is another excellent option if you’re affiliated with the military. The insurer received a high MoneyGeek score of 85 out of 100.
How was this MoneyGeek score calculated?

pros
Has a good customer satisfaction rating
Offers the cheapest rates for full coverage policies
Offers rental car and/or travel reimbursement and roadside assistance coverage
cons
Has a low claims management rating
COMPANY HIGHLIGHTS
Of the insurers in our analysis, GEICO has the cheapest rates and a better-than-average score for customer service. This means you’ll still receive relatively quality service for a low cost. The insurer offers several useful coverage options, including rental car and/or travel reimbursement and roadside assistance coverage.
GEICO’s rental car and/or travel reimbursement pays up to a predetermined amount for a rental vehicle. You can qualify for this coverage if a covered accident leaves your car undrivable for over 24 hours. Its roadside assistance coverage pays for flat tire replacements, towing, jumpstart and lockout services. It’s important to clarify that this coverage does not pay for the items (replacement tires, fuel, etc.) themselves, only the service cost. Also, GEICO provides antique or classic car insurance coverage. This policy has similar coverages to a regular auto insurance policy, including liability insurance, uninsured and underinsured motorist coverage and medical coverage.
Best Car Insurance in Lancaster for Customer Service
Cost wasn’t taken into consideration to find the best car insurers for customer service in Lancaster. These include:
- Chubb: MoneyGeek score of 76 out of 100 ($2,025 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,546 per year)
Chubb earned the highest ratings for claims management and the second-highest ratings for customer satisfaction. Although you’re guaranteed to receive quality customer service, this insurer has the most expensive rates of the providers in our study.
How was this MoneyGeek score calculated?

pros
Has the highest claims management rating of the insurers in our comparison group
Has the second best rating for customer service
Offers rental car and/or travel reimbursement, diminished value and Original equipment manufacturer (OEM) coverage
cons
Has few coverage options
COMPANY HIGHLIGHTS
Chubb excels when it comes to claims management and customer satisfaction. These features can significantly improve your experience, especially following a stressful situation like an accident or mechanical failure.
Although fewer than its competitors, the insurer’s coverage options are extremely helpful. Its rental car and/or travel reimbursement coverage will cover rental car expenses up to $5,000 with no per-day limit. This coverage also allows you to obtain a rental car that’s of the same make and model as your current vehicle while yours is undergoing repairs.
With its diminished value coverage, Chubb allows you to establish the value of your car when you purchase your policy. In the event of a covered loss, you'll receive a check for this agreed-upon amount, potentially saving you thousands of dollars. Chubb also covers the cost of Original Equipment Manufacturer (OEM) parts and procedures to ensure that your vehicle's safety systems function correctly after an accident. This coverage is rarely offered by insurers.
Best Cheap Car Insurance in Lancaster
MoneyGeek identified the best providers in Lancaster for the minimum coverage liability limits required in California. These are:
- GEICO: MoneyGeek score of 78 out of 100 ($458 per year)
- Progressive: MoneyGeek score of 72 out of 100 ($521 per year)
While minimum coverage policies in Lancaster are the cheapest, they offer limited liability coverage, which may not be adequate to cover damages in an accident. They also don’t cover damages to your own vehicle.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs $458 annually
Has a good customer service rating
Provides numerous discount opportunities including a seatbelt use discount and a teacher discount
cons
Has a low claims management rating
Does not offer accident forgiveness coverage
COMPANY HIGHLIGHTS
For Lancaster-based drivers seeking a minimum coverage car insurance policy, GEICO is a sound option, providing quality coverage at competitive rates. As a leading insurance provider, GEICO offers a range of coverage options that meet California's minimum coverage requirements, ensuring that drivers stay protected while staying within their budget.
This insurer offers discounts for seatbelt use, bundling insurance policies and safe driving. You’ll qualify for the seatbelt discount if you always use your seatbelt. Bundling your auto insurance with either renters, home or life insurance qualifies you for an additional discount with GEICO. Lastly, if you’ve been accident-free for at least five years, you may also qualify for the safe driving discount.
Average Cost of Car Insurance in Lancaster
The average cost of auto insurance in Lancaster for full coverage is $1,462 per year. The city’s average car insurance cost is $75 more than the average full coverage cost in California at $1,387 per year and $197 more than the average cost of car insurance nationwide (as of October 2022). This shows how location can significantly impact the cost of your car insurance.
Rates included above are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.
About Mark Fitzpatrick
