Cheapest and Best Car Insurance Companies in Lancaster, CA

GEICO is the cheapest company in Lancaster, CA, for a minimum coverage policy based on the latest quotes collected for 2023. CSAA is the best overall insurer, providing the best balance of service quality and affordability.

Compare Rates and Save on Car Insurance

By Mark Fitzpatrick, Content Director

Updated: Sep 26, 2023

Edited by

Morgan Hull

The 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 + BestCar InsuranceLancaster

2023

Cheapest and Best Car Insurance in Lancaster, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - GEICO

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - GEICO

Best for Customer Service - Chubb

Best Cheap - GEICO

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$452	$38
State Farm	$452	$38
GEICO	$458	$38
Mercury	$520	$43
Progressive	$521	$43
Mercury	$535	$45
Progressive	$535	$45
GEICO	$541	$45
AAA California	$542	$45
AAA California	$565	$47
State Farm	$598	$50
Travelers	$619	$52
Travelers	$620	$52
Progressive	$625	$52
Nationwide	$636	$53
State National	$639	$53
Kemper	$648	$54
State National	$657	$55
Nationwide	$659	$55
Mercury	$661	$55
State Farm	$682	$57
Hartford	$690	$57
AAA California	$695	$58
Travelers	$705	$59
Allstate	$707	$59
Allstate	$718	$60
Farmers	$734	$61
Capital Insurance Group	$738	$62
Kemper	$745	$62
Farmers	$752	$63
Capital Insurance Group	$763	$64
State National	$769	$64
Allstate	$770	$64
Hartford	$805	$67
Nationwide	$825	$69
Farmers	$854	$71
Capital Insurance Group	$857	$71
National General	$866	$72
Chubb	$890	$74
National General	$893	$74
Chubb	$918	$76
Kemper	$997	$83
State Farm	$1,068	$89
National General	$1,073	$89
Hartford	$1,093	$91
GEICO	$1,127	$94
GEICO	$1,163	$97
Progressive	$1,192	$99
AAA California	$1,194	$100
Mercury	$1,203	$100
Progressive	$1,205	$100
AAA California	$1,207	$101
Mercury	$1,223	$102
Allstate	$1,256	$105
Chubb	$1,285	$107
Allstate	$1,324	$110
GEICO	$1,348	$112
National General	$1,360	$113
State Farm	$1,370	$114
State National	$1,374	$115
National General	$1,383	$115
Nationwide	$1,387	$116
Hartford	$1,427	$119
Progressive	$1,444	$120
Allstate	$1,462	$122
Capital Insurance Group	$1,462	$122
State National	$1,473	$123
Nationwide	$1,498	$125
Capital Insurance Group	$1,546	$129
Travelers	$1,559	$130
AAA California	$1,588	$132
Mercury	$1,595	$133
State Farm	$1,601	$133
Travelers	$1,622	$135
National General	$1,659	$138
Hartford	$1,662	$139
Kemper	$1,680	$140
Capital Insurance Group	$1,741	$145
State National	$1,797	$150
Farmers	$1,805	$150
Farmers	$1,845	$154
Travelers	$1,918	$160
Nationwide	$1,936	$161
Chubb	$2,025	$169
Kemper	$2,047	$171
Chubb	$2,090	$174
Farmers	$2,180	$182
Hartford	$2,229	$186
Kemper	$2,532	$211
Chubb	$2,984	$249

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
GEICO	$452	$38
State Farm	$452	$38
GEICO	$458	$38
Mercury	$520	$43
Progressive	$521	$43
Mercury	$535	$45
Progressive	$535	$45
GEICO	$541	$45
AAA California	$542	$45
AAA California	$565	$47
State Farm	$598	$50
Travelers	$619	$52
Travelers	$620	$52
Progressive	$625	$52
Nationwide	$636	$53
State National	$639	$53
Kemper	$648	$54
State National	$657	$55
Nationwide	$659	$55
Mercury	$661	$55
State Farm	$682	$57
Hartford	$690	$57
AAA California	$695	$58
Travelers	$705	$59
Allstate	$707	$59
Allstate	$718	$60
Farmers	$734	$61
Capital Insurance Group	$738	$62
Kemper	$745	$62
Farmers	$752	$63
Capital Insurance Group	$763	$64
State National	$769	$64
Allstate	$770	$64
Hartford	$805	$67
Nationwide	$825	$69
Farmers	$854	$71
Capital Insurance Group	$857	$71
National General	$866	$72
Chubb	$890	$74
National General	$893	$74
Chubb	$918	$76
Kemper	$997	$83
State Farm	$1,068	$89
National General	$1,073	$89
Hartford	$1,093	$91
GEICO	$1,127	$94
GEICO	$1,163	$97
Progressive	$1,192	$99
AAA California	$1,194	$100
Mercury	$1,203	$100
Progressive	$1,205	$100
AAA California	$1,207	$101
Mercury	$1,223	$102
Allstate	$1,256	$105
Chubb	$1,285	$107
Allstate	$1,324	$110
GEICO	$1,348	$112
National General	$1,360	$113
State Farm	$1,370	$114
State National	$1,374	$115
National General	$1,383	$115
Nationwide	$1,387	$116
Hartford	$1,427	$119
Progressive	$1,444	$120
Allstate	$1,462	$122
Capital Insurance Group	$1,462	$122
State National	$1,473	$123
Nationwide	$1,498	$125
Capital Insurance Group	$1,546	$129
Travelers	$1,559	$130
AAA California	$1,588	$132
Mercury	$1,595	$133
State Farm	$1,601	$133
Travelers	$1,622	$135
National General	$1,659	$138
Hartford	$1,662	$139
Kemper	$1,680	$140
Capital Insurance Group	$1,741	$145
State National	$1,797	$150
Farmers	$1,805	$150
Farmers	$1,845	$154
Travelers	$1,918	$160
Nationwide	$1,936	$161
Chubb	$2,025	$169
Kemper	$2,047	$171
Chubb	$2,090	$174
Farmers	$2,180	$182
Hartford	$2,229	$186
Kemper	$2,532	$211
Chubb	$2,984	$249

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.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
Mercury	$670	$56
State Farm	$687	$57
Mercury	$690	$58
GEICO	$692	$58
GEICO	$700	$58
State Farm	$718	$60
AAA California	$723	$60
AAA California	$753	$63
GEICO	$807	$67
GEICO	$816	$68
Capital Insurance Group	$821	$68
GEICO	$828	$69
Mercury	$840	$70
Capital Insurance Group	$850	$71
Capital Insurance Group	$852	$71
Mercury	$858	$72
Kemper	$861	$72
AAA California	$865	$72
Mercury	$865	$72
Capital Insurance Group	$883	$74
AAA California	$901	$75
State National	$905	$75
State National	$905	$75
State Farm	$908	$76
National General	$916	$76
National General	$916	$76
AAA California	$931	$78
State National	$934	$78
State National	$934	$78
Mercury	$937	$78
National General	$944	$79
National General	$944	$79
Progressive	$947	$79
State Farm	$948	$79
Capital Insurance Group	$956	$80
Mercury	$963	$80
GEICO	$965	$80
Travelers	$965	$80
Travelers	$967	$81
Progressive	$976	$81
Nationwide	$984	$82
Allstate	$992	$83
Kemper	$992	$83
Capital Insurance Group	$993	$83
Farmers	$1,004	$84
Farmers	$1,004	$84
Allstate	$1,010	$84
Hartford	$1,013	$84
Hartford	$1,013	$84
Nationwide	$1,022	$85
Farmers	$1,029	$86
Farmers	$1,029	$86
State Farm	$1,037	$86
Progressive	$1,050	$88
Mercury	$1,074	$90
State Farm	$1,084	$90
Travelers	$1,084	$90
Progressive	$1,085	$90
Allstate	$1,087	$91
Travelers	$1,087	$91
State National	$1,095	$91
State National	$1,095	$91
Nationwide	$1,098	$91
Travelers	$1,110	$93
AAA California	$1,115	$93
GEICO	$1,119	$93
GEICO	$1,131	$94
National General	$1,135	$95
National General	$1,135	$95
Nationwide	$1,140	$95
Allstate	$1,146	$96
Progressive	$1,148	$96
Chubb	$1,152	$96
Progressive	$1,164	$97
Allstate	$1,165	$97
Farmers	$1,169	$97
Farmers	$1,169	$97
Chubb	$1,180	$98
Hartford	$1,198	$100
Hartford	$1,198	$100
Mercury	$1,199	$100
Progressive	$1,207	$101
Travelers	$1,247	$104
Farmers	$1,255	$105
Allstate	$1,258	$105
Progressive	$1,278	$106
Nationwide	$1,284	$107
Farmers	$1,285	$107
Capital Insurance Group	$1,288	$107
Travelers	$1,304	$109
Travelers	$1,305	$109
National General	$1,307	$109
Kemper	$1,328	$111
Capital Insurance Group	$1,336	$111
GEICO	$1,339	$112
National General	$1,348	$112
Chubb	$1,404	$117
State Farm	$1,415	$118
Progressive	$1,422	$118
National General	$1,431	$119
National General	$1,431	$119
Chubb	$1,432	$119
Nationwide	$1,433	$119
Kemper	$1,455	$121
Kemper	$1,455	$121
National General	$1,455	$121
National General	$1,455	$121
Farmers	$1,460	$122
Capital Insurance Group	$1,503	$125
Travelers	$1,505	$125
Chubb	$1,547	$129
AAA California	$1,550	$129
AAA California	$1,563	$130
State Farm	$1,586	$132
Mercury	$1,587	$132
Mercury	$1,614	$135
National General	$1,624	$135
State National	$1,640	$137
State Farm	$1,661	$138
Hartford	$1,662	$139
Hartford	$1,662	$139
Capital Insurance Group	$1,673	$139
State National	$1,692	$141
GEICO	$1,695	$141
Capital Insurance Group	$1,708	$142
National General	$1,745	$145
National General	$1,745	$145
Nationwide	$1,746	$145
GEICO	$1,749	$146
Kemper	$1,766	$147
Kemper	$1,766	$147
Capital Insurance Group	$1,770	$148
Chubb	$1,799	$150
Capital Insurance Group	$1,807	$151
Nationwide	$1,814	$151
Chubb	$1,824	$152
Allstate	$1,829	$152
AAA California	$1,831	$153
AAA California	$1,838	$153
Chubb	$1,852	$154
State Farm	$1,871	$156
AAA California	$1,876	$156
GEICO	$1,894	$158
Allstate	$1,933	$161
GEICO	$1,951	$163
State National	$1,955	$163
State National	$1,955	$163
AAA California	$1,955	$163
Mercury	$1,984	$165
State National	$1,995	$166
Capital Insurance Group	$1,996	$166
Mercury	$2,019	$168
GEICO	$2,027	$169
National General	$2,027	$169
State Farm	$2,038	$170
Capital Insurance Group	$2,039	$170
AAA California	$2,061	$172
National General	$2,063	$172
Allstate	$2,073	$173
State National	$2,096	$175
State National	$2,096	$175
Allstate	$2,113	$176
Mercury	$2,113	$176
State Farm	$2,133	$178
Mercury	$2,135	$178
State Farm	$2,136	$178
Allstate	$2,143	$179
Hartford	$2,149	$179
Hartford	$2,149	$179
Nationwide	$2,151	$179
Mercury	$2,166	$181
Chubb	$2,220	$185
Kemper	$2,231	$186
Kemper	$2,248	$187
Kemper	$2,248	$187
Progressive	$2,259	$188
Allstate	$2,265	$189
GEICO	$2,265	$189
Allstate	$2,286	$191
Nationwide	$2,288	$191
Progressive	$2,288	$191
Nationwide	$2,326	$194
State Farm	$2,378	$198
Travelers	$2,394	$199
Nationwide	$2,398	$200
Allstate	$2,403	$200
AAA California	$2,426	$202
AAA California	$2,428	$202
Progressive	$2,475	$206
National General	$2,476	$206
Travelers	$2,483	$207
State Farm	$2,490	$207
Farmers	$2,495	$208
Farmers	$2,495	$208
Hartford	$2,505	$209
Progressive	$2,512	$209
Hartford	$2,519	$210
Hartford	$2,519	$210
Farmers	$2,553	$213
Farmers	$2,553	$213
State National	$2,560	$213
State National	$2,560	$213
Nationwide	$2,595	$216
Capital Insurance Group	$2,619	$218
Mercury	$2,643	$220
Chubb	$2,662	$222
Allstate	$2,674	$223
Travelers	$2,683	$224
Kemper	$2,719	$227
GEICO	$2,723	$227
Chubb	$2,727	$227
Progressive	$2,752	$229
Capital Insurance Group	$2,772	$231
Travelers	$2,776	$231
GEICO	$2,810	$234
Mercury	$2,831	$236
Progressive	$2,843	$237
Progressive	$2,889	$241
Travelers	$2,961	$247
Hartford	$3,009	$251
Farmers	$3,016	$251
Nationwide	$3,016	$251
Farmers	$3,016	$251
Progressive	$3,020	$252
Farmers	$3,119	$260
Capital Insurance Group	$3,128	$261
Farmers	$3,191	$266
GEICO	$3,261	$272
Chubb	$3,271	$273
State Farm	$3,280	$273
Travelers	$3,313	$276
Travelers	$3,327	$277
Chubb	$3,337	$278
Kemper	$3,367	$281
Nationwide	$3,370	$281
Hartford	$3,413	$284
Hartford	$3,413	$284
Travelers	$3,459	$288
Progressive	$3,474	$289
Chubb	$3,621	$302
State National	$3,642	$304
Kemper	$3,688	$307
Kemper	$3,688	$307
AAA California	$3,753	$313
Farmers	$3,770	$314
AAA California	$3,772	$314
Nationwide	$3,819	$318
State National	$3,912	$326
Allstate	$4,009	$334
Nationwide	$4,137	$345
Travelers	$4,151	$346
State Farm	$4,215	$351
Chubb	$4,235	$353
Allstate	$4,253	$354
Hartford	$4,282	$357
Chubb	$4,294	$358
Chubb	$4,359	$363
Kemper	$4,638	$386
Kemper	$4,638	$386
Allstate	$4,730	$394
State National	$4,792	$399
State Farm	$4,917	$410
AAA California	$4,982	$415
Chubb	$5,259	$438
Hartford	$5,297	$441
Nationwide	$5,388	$449
Kemper	$5,577	$465
Kemper	$5,577	$465
Hartford	$6,272	$523
Hartford	$8,651	$721

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.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,527	$2,464
GEICO	$1,563	$2,522
GEICO	$1,566	$2,778
GEICO	$1,584	$2,650
GEICO	$1,602	$2,584
GEICO	$1,610	$2,856
GEICO	$1,633	$3,017
GEICO	$1,654	$2,933
GEICO	$1,813	$2,721
GEICO	$1,873	$3,108
Progressive	$1,901	$3,072
Progressive	$1,901	$3,072
Nationwide	$1,952	$4,053
Nationwide	$1,952	$4,053
Allstate	$1,963	$3,193
Allstate	$1,963	$3,193
Capital Insurance Group	$1,997	$2,553
Capital Insurance Group	$1,997	$2,553
Allstate	$2,056	$3,342
Allstate	$2,056	$3,342
Progressive	$2,058	$3,326
Progressive	$2,058	$3,326
Allstate	$2,108	$3,713
Allstate	$2,108	$3,713
Allstate	$2,129	$3,462
Allstate	$2,129	$3,462
Nationwide	$2,140	$4,444
Nationwide	$2,140	$4,444
Progressive	$2,202	$4,109
Progressive	$2,202	$4,109
Nationwide	$2,209	$5,083
Nationwide	$2,209	$5,083
Kemper	$2,220	$4,451
Kemper	$2,220	$4,451
Allstate	$2,259	$3,730
Allstate	$2,259	$3,730
Capital Insurance Group	$2,273	$3,024
Capital Insurance Group	$2,273	$3,024
State Farm	$2,274	$3,329
State Farm	$2,274	$3,329
Nationwide	$2,294	$4,763
Nationwide	$2,294	$4,763
Progressive	$2,306	$3,726
Progressive	$2,306	$3,726
Travelers	$2,324	$3,200
Travelers	$2,324	$3,200
GEICO	$2,334	$3,956
Farmers	$2,338	$3,343
Farmers	$2,338	$3,343
Kemper	$2,345	$4,700
Kemper	$2,345	$4,700
Capital Insurance Group	$2,365	$3,024
Capital Insurance Group	$2,365	$3,024
Capital Insurance Group	$2,365	$3,024
Capital Insurance Group	$2,365	$3,024
State Farm	$2,366	$3,463
State Farm	$2,366	$3,463
Travelers	$2,406	$3,312
Travelers	$2,406	$3,312
State Farm	$2,407	$3,757
State Farm	$2,407	$3,757
State Farm	$2,420	$3,543
State Farm	$2,420	$3,543
GEICO	$2,426	$4,562
Travelers	$2,455	$3,555
Travelers	$2,455	$3,555
Kemper	$2,468	$5,527
Kemper	$2,468	$5,527
Travelers	$2,508	$3,452
Travelers	$2,508	$3,452
Kemper	$2,550	$5,112
Kemper	$2,550	$5,112
GEICO	$2,553	$3,831
State Farm	$2,579	$3,830
State Farm	$2,579	$3,830
Nationwide	$2,585	$5,571
Nationwide	$2,585	$5,571
Allstate	$2,591	$4,754
Allstate	$2,591	$4,754
Farmers	$2,618	$3,877
Farmers	$2,618	$3,877
Allstate	$2,634	$4,348
Allstate	$2,634	$4,348
Capital Insurance Group	$2,640	$3,402
Capital Insurance Group	$2,640	$3,402
GEICO	$2,654	$4,404
Farmers	$2,712	$3,877
Farmers	$2,712	$3,877
Farmers	$2,712	$3,877
Farmers	$2,712	$3,877
Progressive	$2,731	$4,507
Progressive	$2,731	$4,507
Capital Insurance Group	$2,737	$3,402
Capital Insurance Group	$2,737	$3,402
State Farm	$2,738	$4,266
State Farm	$2,738	$4,266
Travelers	$2,739	$3,731
Travelers	$2,739	$3,731
State Farm	$2,763	$4,104
State Farm	$2,763	$4,104
Kemper	$2,859	$5,859
Kemper	$2,859	$5,859
Farmers	$2,929	$4,445
Farmers	$2,929	$4,445
Capital Insurance Group	$2,931	$3,777
Capital Insurance Group	$2,931	$3,777
Travelers	$2,973	$4,305
Travelers	$2,973	$4,305
Travelers	$3,018	$4,111
Travelers	$3,018	$4,111
State Farm	$3,042	$5,409
State Farm	$3,042	$5,409
Kemper	$3,096	$6,347
Kemper	$3,096	$6,347
Kemper	$3,123	$6,997
Kemper	$3,123	$6,997
Farmers	$3,165	$5,119
Farmers	$3,165	$5,119
Nationwide	$3,186	$7,702
Nationwide	$3,186	$7,702
Farmers	$3,195	$4,849
Farmers	$3,195	$4,849
GEICO	$3,224	$5,721
State Farm	$3,225	$5,734
State Farm	$3,225	$5,734
State Farm	$3,294	$6,425
State Farm	$3,294	$6,425
Farmers	$3,332	$6,596
Farmers	$3,332	$6,596
GEICO	$3,380	$6,650
Nationwide	$3,398	$7,324
Nationwide	$3,398	$7,324
Progressive	$3,404	$6,379
Progressive	$3,404	$6,379
Farmers	$3,414	$6,899
Farmers	$3,414	$6,899
Farmers	$3,425	$6,780
Farmers	$3,425	$6,780
GEICO	$3,456	$6,387
Allstate	$3,457	$6,837
Allstate	$3,457	$6,837
GEICO	$3,545	$6,290
Allstate	$3,581	$7,202
Allstate	$3,581	$7,202
Progressive	$3,618	$5,972
Progressive	$3,618	$5,972
Allstate	$3,642	$7,202
Allstate	$3,642	$7,202
GEICO	$3,644	$7,517
GEICO	$3,732	$7,342
Capital Insurance Group	$3,762	$4,674
Capital Insurance Group	$3,762	$4,674
Capital Insurance Group	$3,762	$4,674
Capital Insurance Group	$3,762	$4,674
Capital Insurance Group	$3,762	$4,674
Capital Insurance Group	$3,762	$4,674
Progressive	$3,929	$8,110
Progressive	$3,929	$8,110
Progressive	$3,954	$8,181
Progressive	$3,954	$8,181
Progressive	$3,969	$8,193
Progressive	$3,969	$8,193
Travelers	$3,973	$5,427
Travelers	$3,973	$5,427
Travelers	$4,150	$5,670
Travelers	$4,150	$5,670
Travelers	$4,159	$5,951
Travelers	$4,159	$5,951
Kemper	$4,711	$9,554
Kemper	$4,711	$9,554
Nationwide	$4,839	$10,413
Nationwide	$4,839	$10,413
Kemper	$5,161	$10,467
Kemper	$5,161	$10,467
Kemper	$5,208	$11,667
Kemper	$5,208	$11,667
Nationwide	$5,441	$11,708
Nationwide	$5,441	$11,708
Nationwide	$5,616	$14,131
Nationwide	$5,616	$14,131

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.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
USAA	$399	$33
USAA	$401	$33
GEICO	$452	$38
State Farm	$452	$38
GEICO	$458	$38
USAA	$479	$40
Mercury	$520	$43
Progressive	$521	$43
Mercury	$535	$45
Progressive	$535	$45
GEICO	$541	$45
AAA California	$542	$45
AAA California	$565	$47
State Farm	$598	$50
Travelers	$619	$52
Travelers	$620	$52
Progressive	$625	$52
Nationwide	$636	$53
State National	$639	$53
Kemper	$648	$54
State National	$657	$55
Nationwide	$659	$55
Mercury	$661	$55
State Farm	$682	$57
Hartford	$690	$57
AAA California	$695	$58
Travelers	$705	$59
Allstate	$707	$59
Allstate	$718	$60
Farmers	$734	$61
Capital Insurance Group	$738	$62
Kemper	$745	$62
Farmers	$752	$63
Capital Insurance Group	$763	$64
State National	$769	$64
Allstate	$770	$64
Hartford	$805	$67
Nationwide	$825	$69
Farmers	$854	$71
Capital Insurance Group	$857	$71
National General	$866	$72
Chubb	$890	$74
National General	$893	$74
USAA	$912	$76
Chubb	$918	$76
USAA	$933	$78
Kemper	$997	$83
State Farm	$1,068	$89
National General	$1,073	$89
Hartford	$1,093	$91
USAA	$1,112	$93
GEICO	$1,127	$94
GEICO	$1,163	$97
Progressive	$1,192	$99
AAA California	$1,194	$100
Mercury	$1,203	$100
Progressive	$1,205	$100
AAA California	$1,207	$101
Mercury	$1,223	$102
Allstate	$1,256	$105
Chubb	$1,285	$107
Allstate	$1,324	$110
GEICO	$1,348	$112
National General	$1,360	$113
State Farm	$1,370	$114
State National	$1,374	$115
National General	$1,383	$115
Nationwide	$1,387	$116
Hartford	$1,427	$119
Progressive	$1,444	$120
Allstate	$1,462	$122
Capital Insurance Group	$1,462	$122
State National	$1,473	$123
Nationwide	$1,498	$125
Capital Insurance Group	$1,546	$129
Travelers	$1,559	$130
AAA California	$1,588	$132
Mercury	$1,595	$133
State Farm	$1,601	$133
Travelers	$1,622	$135
National General	$1,659	$138
Hartford	$1,662	$139
Kemper	$1,680	$140
Capital Insurance Group	$1,741	$145
State National	$1,797	$150
Farmers	$1,805	$150
Farmers	$1,845	$154
Travelers	$1,918	$160
Nationwide	$1,936	$161
Chubb	$2,025	$169
Kemper	$2,047	$171
Chubb	$2,090	$174
Farmers	$2,180	$182
Hartford	$2,229	$186
Kemper	$2,532	$211
Chubb	$2,984	$249

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

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.

Read MoneyGeek's GEICO Auto Insurance Review

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.

Read MoneyGeek's GEICO Auto Insurance Review

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

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Lancaster, CA

On This Page:

Cheapest Minimum Liability Car Insurance in Lancaster

Cheapest Full Coverage Car Insurance in Lancaster

Cheapest Car Insurance in Lancaster After a Driving Offense

Cheapest Car Insurance in Lancaster for Teens and Their Families

Cheapest Car Insurance in Lancaster for Military Drivers

How to Compare Cheap Lancaster Car Insurance Quotes Online

Best Car Insurance in Lancaster: Summary

Best Overall Car Insurance in Lancaster

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Lancaster for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance in Lancaster

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Lancaster