The average yearly car insurance premium in Lancaster is $1,544, or 8% more than California’s $1,429 average cost. Esurance offers the most affordable insurance in the city at $1,097. To help you find the best rates for your profile, MoneyGeek determined the cheapest available insurance options by analyzing coverage amount and driving history. If you want both quality and affordability, we recommend the best auto insurance companies in Lancaster below.
bestauto insuranceLancaster2021The Cheapest and Best Car Insurance in Lancaster
Cheapest Overall - Esurance
Best Overall - AAA
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
The Cheapest Car Insurance Companies in Lancaster
The car insurance companies in Lancaster that offer the most affordable full coverage policy on average are:
- Esurance: $1,097 per year
- USAA: $1,230 per year (only available to present and former military members)
These prices are for a 40-year-old male driver with a full coverage policy. It includes both liability insurance, as well as comprehensive and collision insurance.
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- CompanyAmountper year
- 1.$1,097
- 2.$1,230
- 3.$1,273
- 4.$1,340
- 5.$1,344
Average Cost of Car Insurance in Lancaster
Lancaster$1,544
California$1,429
U.S.$1,424
The average annual car insurance price in Lancaster is higher than the California and U.S. rates. Drivers in Lancaster pay an average of $1,544 per year. This is 8% more than the state average and 8.4% greater than the national average.
The Best Car Insurance Companies in Lancaster
If you’re a driver in Lancaster looking for an insurance company that’s cost-effective and offers superior service, MoneyGeeks ranked the best options in your area. Based on MoneyGeek’s scoring system, the top insurance providers in California for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Lancaster by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek uses factors such as J.D. Power power satisfaction, affordability and financial stability to calculate these ratings.
1
USAA
Score:100
2
Auto Club of Southern California Insurance Group
Score:90
3
GEICO
Score:90
4
Wawanesa
Score:88
5
State Farm
Score:88
6
Ameriprise
Score:85
7
Hartford
Score:85
8
Progressive
Score:83
9
Allstate
Score:83
10
Safeco
Score:80
11
CSAA
Score:78
12
Liberty Mutual
Score:78
13
Farmers
Score:78
14
Mercury
Score:78
15
Nationwide
Score:75
16
Kemper
Score:70
Personalized Quotes to Get You the Cheapest Car Insurance in Lancaster
To determine average car insurance rates in Lancaster, providers analyze multiple factors. These can include your age, gender, coverage level, marital status and more.
For example, Esurance’s average yearly price for 40-year-old male customers in Lancaster is $1,097. However, this cost can change as the driver gets older.
Life circumstances change regularly, so you should compare car insurance quotes in Lancaster frequently to make sure you have the right coverage for your needs and budget.
Shopping around for car insurance in Lancaster could save you $447, which is enough to buy:
149Cups of Coffee
34Months of Your Favorite Streaming Service
Cheapest Car Insurance in Lancaster by Coverage Amount
One of the primary factors that affect your policy’s price in Lancaster is the amount of coverage you buy. An insurance policy that meets the minimum liability requirements in California is $745 annually, on average. In comparison, a full coverage policy, which has higher liability limits, costs an average of $1,544, making it $800 more expensive.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Depending on your budget, you can choose a more expensive full-coverage policy or a cheaper liability-only package. While liability coverage does not cover your expenses if you cause an accident, it will pay for the other driver’s costs. Full coverage is pricier because it covers both your expenses and the driver’s, in addition to providing other benefits.
Additionally, your policy will have certain coverage limits. For instance, you can get $50,000 per person for injuries, up to $100,000 total per accident and $50,000 for property damage if you have 50/100/50 limits.
Esurance offers cheap car insurance in Lancaster for both full-coverage and liability-only plans. The full-coverage package costs an average of $323 extra per year than the liability-only policy, but drivers may find the added benefits worth the cost.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$593$723
- 2.$507$673
- 3.$543$775
- 4.$568$792
- 5.$622$771
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$1,046$1,097
- 2.$1,149$1,230
- 3.$1,127$1,273
- 4.$1,207$1,344
- 5.$1,193$1,340
Cheapest Car Insurance in Lancaster if You Have Driving Violations
Defensive driving can help you get home safely while minimizing your vehicle insurance premiums.
Esurance customers in Lancaster who have received a speeding ticket may be charged an average of $294 more per year than drivers with a clean record. Similarly, policyholders who have been at fault in an accident might pay $631 more, while those with a DUI offense could pay an extra $1,635 on average each year.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$1,391$1,728$2,732
- 2.$1,345$2,147$3,492
- 3.$1,934$2,554$2,414
- 4.$1,988$2,268$3,192
- 5.$1,785$2,050$4,212
Average Cost of Car Insurance by Postal Code
In addition to other factors, your ZIP code also determines your auto insurance costs. This is because insurers evaluate statistics like the number of car thefts, accidents and uninsured motorists in your area.
In Lancaster, drivers living in the 93536 ZIP code generally pay $137 less in annual car insurance premiums than those residing in the 93535 neighborhood.
- Zip CodeState Minimumper year
- 93536$1,476
- 93535$1,613
Insurance Providers That Serve Lancaster
Factors That Impact Insurance Costs in Lancaster
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Lancaster. How Lancaster ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Lancaster are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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