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Cheapest and Best Car Insurance Companies in Lancaster, CA


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Updated: Sep 26, 2023
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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.

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2023

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.

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.

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.

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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.

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.

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.

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

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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?

GEICO

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?

Chubb

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?

GEICO

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 headshot

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.