Cheapest and Best Car Insurance in Lancaster, CA (2024)


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In Lancaster, the cheapest companies for minimum and full coverage auto insurance are GEICO and Progressive, respectively; whereas for families with teens, State Farm offers the most competitive rates. While Capital Insurance Group provides the best value balancing price and service, Chubb tops the list for customer service.

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2024

Cheapest and Best Car Insurance in Lancaster

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Lancaster, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Lancaster insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Lancaster, CA, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Lancaster

MoneyGeek found that GEICO is the cheapest option in Lancaster with the cheapest car insurance available.

  • GEICO: $527 per year
  • Progressive: $531 per year

The most expensive minimum coverage policy in Lancaster is offered by Chubb at $890 annually. This is a significant $363 more per year than GEICO's policy.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICO$527$44
Progressive$531$44
Mercury$587$49
Kemper$648$54
AAA$651$54
State National$657$55
State Farm$691$58
Farmers$704$59
Capital Insurance Group$718$60
Nationwide$779$65
Travelers$792$66
Allstate$795$66
Hartford$814$68
National General$849$71
Chubb$890$74

In California, auto insurance minimums are set by state law. Familiarize yourself with the baseline requirements for coverage:

  • $15,000 bodily injury per person
  • $30,000 bodily injury per accident
  • $5,000 property damage liability per accident

For example, if you're at fault in an accident, your minimum coverage will cover up to $15,000 for each injured person, with a total limit of $30,000 per accident. However, should the injuries cost more than these limits, you'd be responsible for paying the difference out-of-pocket.

Cheapest Full Coverage Car Insurance in Lancaster

MoneyGeek found that Progressive offers the most affordable cheapest full coverage car insurance in Lancaster.

  • Progressive: $1,245 per year
  • GEICO: $1,340 per year

Farmers has the most expensive full coverage policy in Lancaster at $2,335 annually. This stark $1,090 difference from the cheapest shows the significant savings possible by comparing full coverage policies, which cost more than minimum coverage due to comprehensive and collision insurance included.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,245$104
GEICO$1,340$112
AAA$1,405$117
Mercury$1,432$119
Allstate$1,460$122
State National$1,473$123
Capital Insurance Group$1,588$132
National General$1,613$134
Kemper$1,680$140
Hartford$1,687$141
State Farm$1,721$143
Nationwide$1,828$152
Chubb$2,025$169
Travelers$2,120$177
Farmers$2,335$195

A comprehensive Lancaster full coverage policy provides up to $100,000 in coverage for bodily injury liability per individual and up to $300,000 per accident, plus an additional $100,000 for property damage liability for each incident. Concisely, this is the policy format recognized as 100/300/100.

In addition to the raised liability limits, our full coverage insurance includes both comprehensive and collision coverages:

  • Collision Insurance: This protection covers repair or replacement costs for your vehicle if you collide with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This option compensates for non-collision-related damage to your vehicle, such as that resulting from vandalism, theft, or natural disasters and being struck by an animal like a deer.

For owners of new vehicles, opting for full coverage insurance is prudent. If your car has significantly aged, the additional expense, which could be hundreds of dollars more, may not justify the coverage level. The key is to find a balance, as more extensive insurance means higher premiums, but going with the bare minimum can leave you dangerously underinsured.

Cheapest Car Insurance in Lancaster After a Driving Offense

MoneyGeek found that the most cost-effective insurance options for drivers in Lancaster with a poor driving record vary based on the specific incident. Here are the cheapest providers for different infractions:

  • Speeding Ticket: National General ($1,693 per year)
  • At-fault accident: Capital Insurance Group ($1,859 per year)
  • DUI: National General ($1,693 per year)

The severity of a driving infraction can significantly alter car insurance rates.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National General$1,693$141
Capital Insurance Group$1,824$152
AAA$1,825$152
Mercury$1,889$157
GEICO$1,998$167
State National$2,096$175
Allstate$2,127$177
Kemper$2,231$186
Progressive$2,362$197
State Farm$2,554$213
Hartford$2,557$213
Chubb$2,662$222
Nationwide$3,165$264
Farmers$3,238$270
Travelers$3,245$270

In Lancaster, as in other cities, insurance rates tend to escalate with the severity of a driving offense. For example, drivers with a speeding ticket may face an average annual rate of approximately $2,364, whereas those with a DUI offense could see rates close to $3,957.

Cheapest Car Insurance in Lancaster for Teens and Their Families

MoneyGeek found that State Farm offers the most affordable full coverage car insurance for teens in Lancaster. Learn more about finding the cheapest car insurance for teens.

  • State Farm: $3,294 per year for female teens and $3,294 per year for male teens
  • Farmers: $3,414 per year for female teens and $3,414 per year for male teens

These rates illustrate the importance of comparing policies, especially when adding a teen to an insurance plan. Including two parents, Nationwide holds the highest teen family policy premium in Lancaster at $5,616 annually.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State Farm$3,294$3,647
Farmers$3,414$5,033
GEICO$3,456$3,903
Allstate$3,581$3,857
Capital Insurance Group$3,762$3,673
Progressive$3,954$4,345
Travelers$4,159$3,760
Kemper$5,208$6,953
Nationwide$5,616$7,972

In Lancaster, as in many cities across the US, young drivers face steep car insurance premiums. On average, a teen purchasing an individual annual policy can expect to pay about $4,870. In contrast, by joining a family plan, the average annual premium drops notably to approximately $4,070. The stark variance in rates is due to the higher risk insurers associate with independent teen drivers.

Cheapest Car Insurance in Lancaster for Military Drivers

MoneyGeek found that Progressive is the cheapest option for car insurance for those with military backgrounds in Lancaster. Experience quality service and significant savings with the following providers:

  • Progressive: $1,245 per year
  • USAA: $1,327 per year

While Progressive leads with the most affordable annual premium, USAA is a close second and is known for its exceptional services tailored specifically to active duty military members.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Progressive$1,245$104
USAA$1,327$111
GEICO$1,340$112
AAA$1,405$117
Mercury$1,432$119
Allstate$1,460$122
State National$1,473$123
Capital Insurance Group$1,588$132
National General$1,613$134
Kemper$1,680$140
Hartford$1,687$141
State Farm$1,721$143
Nationwide$1,828$152
Chubb$2,025$169
Travelers$2,120$177
Farmers$2,335$195

How to Compare Cheap Lancaster Car Insurance Quotes Online

In Lancaster, comparing car insurance rates is key to savings. MoneyGeek's car insurance calculator helps you find rates. By inputting critical information such as age, driving record and credit score, users receive tailor-made rate estimates.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Dec 14, 2024

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Best Car Insurance in Lancaster: Overview

Selecting the ideal auto insurance hinges on your preference for service quality, cost coverage and other aspects. MoneyGeek employed distinct scoring systems to evaluate the best providers in Lancaster for different needs.

  • Best overall: Capital Insurance Group (MoneyGeek score 82 out of 100)
  • Best for service: Chubb (MoneyGeek score 94 out of 100)
  • Best cheap: Mercury (MoneyGeek score 78 out of 100)

If you prioritize a balance between strong service and affordability, Capital Insurance Group emerges as the best choice in Lancaster. For those who seek service without concern for cost, Chubb stands out. In contrast, budget-conscious consumers who still value service will find Mercury to be the most appealing option.

Overall Best Car Insurance in Lancaster

MoneyGeek found that Capital Insurance Group is the best option in Lancaster for those seeking best car insurance.

  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,588 per year)
  • Chubb: MoneyGeek score of 82 out of 100 ($2,024 per year)

Capital Insurance Group has a competitive annual premium and a robust MoneyGeek score, reflecting the company's commitment to overall customer satisfaction and affordability.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
82/ of 100

Overview

Capital Insurance Group earns its top MoneyGeek Score through excellent customer satisfaction and effective claims handling. They do offer roadside assistance, which speaks to their commitment to client convenience. Capital Insurance offers valuable custom parts coverage and full glass coverage.

Best Car Insurance in Lancaster for Customer Service

MoneyGeek found that Chubb is the best option in Lancaster for car insurance. It excels in customer service based on overall satisfaction, claims handling and coverage options, disregarding the cost of rates.

  • Chubb: MoneyGeek score of 94 out of 100 ($2,025 per year)
  • Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,588 per year)

Chubb's score is due to the perfect stability rating and the highest claims score among its competitors.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb’s high MoneyGeek Score is significantly influenced by its outstanding satisfaction and claims handling performances, both scoring remarkably well. While Chubb has the common coverage of rental car and/or travel reimbursement, it does not offer roadside assistance. Chubb also provides OEM coverage.

Best Cheap Car Insurance Companies in Lancaster

MoneyGeek found that Mercury is the best option in Lancaster for those seeking an optimal blend of affordability and quality service.

  • Mercury: MoneyGeek score of 78 out of 100 ($587 per year)
  • Progressive: MoneyGeek score of 75 out of 100 ($531 per year)

Mercury's commendable score is bolstered by its high marks in customer satisfaction and claims processing, along with affordability.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
78/ of 100

Overview

Mercury excels with a high affordability score, contributing significantly to its impressive overall MoneyGeek score. The company's average annual premium for minimum coverage is just $587. It also offers discounts such as an anti-theft system and exceptionally rare offers like a teacher discount. Mercury caters to a broad customer base. Mercury stands out with its breadth of discounts, including bundling, multiple car coverage and safe driving.

Average Cost of Car Insurance in Lancaster

The average cost of car insurance in Lancaster, California, stands at $1,594. When compared to the California state average of $1,562, Lancaster's residents can expect to pay slightly more for their car insurance premiums. The state average itself is less than the national car insurance cost, which is approximately $1,781. California's average insurance rates are $219 less than the national figures, reflecting a considerable difference between state and nationwide car insurance costs.

Car insurance premiums are determined by a multitude of factors, including but not limited to one's driving history, vehicle type, and credit score. However, location plays a significant role in the cost of insurance. Insurance companies consider local traffic patterns, accident rates, and the likelihood of theft, which can vary considerably from one city to another. MoneyGeek's analysis of various cities across California reveals that Glendale boasts the most expensive premium at $2,115, while Santa Maria enjoys the lowest at $1,106. That's a striking difference of $1,009, underlining the major impact that location can have on car insurance costs. In less urbanized areas with lower traffic density, rates are often even more affordable.

Anaheim$1,632
Antioch$1,573
Arden$1,592
Bakersfield$1,394
Berkeley$1,489
Burbank$1,968
Carlsbad$1,364
Chula Vista$1,331
Clovis$1,395
Concord$1,473
Corona$1,525
Costa Mesa$1,501
Daly City$1,712
Downey$1,749
East Los Angeles$1,800
El Cajon$1,438
El Monte$1,784
Elk Grove$1,535
Escondido$1,382
Fairfield$1,392
Fontana$1,565
Fremont$1,446
Fresno$1,442
Fullerton$1,661
Garden Grove$1,679
Glendale$2,433
Hayward$1,549
Huntington Beach$1,523
Inglewood$1,963
Irvine$1,585
Jurupa Valley$1,507
Lancaster$1,670
Long Beach$1,685
Los Angeles$2,138
Modesto$1,577
Moreno Valley$1,546
Murrieta$1,415
Norwalk$1,661
Oakland$1,657
Oceanside$1,396
Ontario$1,565
Orange$1,462
Oxnard$1,436
Palmdale$1,722
Pasadena$1,798
Pomona$1,630
Rancho Cucamonga$1,503
Rialto$1,577
Richmond$1,562
Riverside$1,543
Roseville$1,458
Sacramento$1,494
Salinas$1,346
San Bernardino$1,567
San Diego$1,349
San Francisco$1,670
San Jose$1,429
San Mateo$1,385
Santa Ana$1,577
Santa Clara$1,420
Santa Clarita$1,634
Santa Maria$1,251
Santa Rosa$1,479
Simi Valley$1,528
Stockton$1,594
Sunnyvale$1,413
Temecula$1,432
Thousand Oaks$1,589
Torrance$1,518
Vallejo$1,547
Ventura$1,341
Victorville$1,598
Visalia$1,333
Vista$1,355
West Covina$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.