bestauto insuranceLancasterCompare the Cheapest Car Insurance Quotes in Lancaster, CA
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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/6/2023
Edited By |
Kathryn Schroeder
Written By |
Mark Fitzpatrick
Car insurance rates vary depending on the coverage you choose and your profile. Esurance is Lancaster’s cheapest provider of full coverage policies and for drivers with a speeding ticket. Meanwhile, Progressive offers the most affordable state minimum policies, and USAA presents affordable options for drivers in the military.
MoneyGeek’s top overall auto insurance provider in Lancaster is Esurance, as the insurer balances cost and customer service.
bestauto insuranceLancasterThe Cheapest and Best Car Insurance in Lancaster
Cheapest Overall - Esurance
Cheapest State Minimum - Progressive
Cheapest With a Driving Violation - Esurance
Best Overall - Esurance
Methodology
MoneyGeek took into account evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) and average rates to score auto insurers in Lancaster.
The Cheapest Car Insurance Companies in Lancaster
A full coverage car insurance policy protects drivers financially in most circumstances because it includes liability, comprehensive and collision coverages.
MoneyGeek’s study shows the following insurers have the cheapest full coverage car insurance policies for an average driver in Lancaster:
- Esurance: $1,097 per year
- Progressive: $1,273 per year
Drivers who are members of the military or are part of a military family may be eligible for insurance through USAA, which offers an affordable option at an average rate of $1,230 per year.
Esurance, Lancaster’s cheapest provider, is 72.1% less expensive than the city’s most expensive provider, Allied.
Cheapest Car Insurance in Lancaster
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$1,097
- 2.$1,230
- 3.$1,273
- 4.$1,340
- 5.$1,344
The car insurance rates in this study are based on a 40-year-old male driver in Lancaster with a full coverage policy, per MoneyGeek’s methodology.
A full coverage auto insurance policy includes comprehensive coverage, collision coverage and the state’s minimum required coverages. It offers broad financial protections in case of an accident but is more costly than a minimum coverage policy.
- Comprehensive coverage: pays for damage and loss due to weather events, theft, falling objects and other incidents not caused by a collision
- Collision coverage: pays for vehicle repairs if you’re in an accident
If you have an older car, consider that a full coverage insurance policy can be more expensive than your vehicle’s actual worth. A liability-only or state minimum insurance policy is recommended in this case to obtain the cheapest rates possible.
Compare Car Insurance Rates in Lancaster
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Lancaster for Minimum Coverage
If you’re looking for the cheapest car insurance offers in Lancaster, a state minimum policy is your best option. Such policies don’t have comprehensive and collision coverages, making them significantly more affordable than other policies. However, its limited coverage exposes you to financial risks in case of an accident.
These companies present Lancaster’s cheapest state minimum policies:
- Progressive: $543 per year
- GEICO: $568 per year
USAA offers Lancaster’s most affordable state minimum policy for eligible military members and their families at $507 annually. It’s $455 cheaper than the city’s most expensive state minimum provider, Farmers.
Cheapest Minimum Liability Car Insurance in Lancaster
State Minimum
- CompanyState Minimumper year
- 1.$507
- 2.$543
- 3.$568
- 4.$593
- 5.$622
In California, drivers are required by law to have a minimum coverage policy, which includes coverage for bodily injury liability, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage.
A state minimum policy is Lancaster’s cheapest auto insurance policy — buying it will save you some money on your monthly premiums. However, its limited coverage comes with less protection, and you may end up paying much more than you save in case of an accident.
Liability insurance in California only covers $15,000 for bodily injuries per person. That means if you’re at fault in an accident and the other party’s medical expenses reach $25,000, you’ll have to pay the balance of $10,000 out of pocket.
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.
Cheapest Car Insurance in Lancaster if You Have Driving Violations
Your car insurance rates can go up in the event you get a speeding ticket, are charged with a DUI or are found at fault in an accident. If you have a bad driving record, try to improve it over time, and you’ll likely see your rates lowered.
In the meantime, however, comparing car insurance quotes from various insurers is your best option to find affordable coverage. MoneyGeek ranked Lancaster’s most affordable car insurance companies for drivers with bad records:
- Cheapest after a ticket: Esurance, $1,391 per year
- Cheapest after an at-fault accident: Esurance, $1,728 per year
- Cheapest after a DUI: Mercury, $2,414 per year
Drivers with a military background and their family members may be eligible for USAA, which offers the cheapest auto insurance rates in Lancaster for drivers with a speeding ticket.
Cheapest Car Insurance in Lancaster With a Violation
Speeding Ticket
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.
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 rates in Lancaster frequently to make sure you have the right coverage for your needs and budget.
Compare Car Insurance Rates in Lancaster
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Lancaster
MoneyGeek found the top car insurance companies in Lancaster based on average rates, claims ratings and customer satisfaction. The auto insurers occupying the top two spots in Lancaster are:
- Esurance: MoneyGeek score of 92 out of 100
- AAA: MoneyGeek score of 85 out of 100
With an overall score of 92 out of 100, USAA is the second-best car insurance company in Lancaster for eligible military members, veterans and their families. We excluded it from our overall ranking because of its limited availability.
1
Esurance
Score:92
With full coverage for a 40-year-old driver costing about $1,097 per year in Lancaster, Esurance received high ratings for affordability and customer satisfaction. However, its claims rating is average. Policyholders can get custom parts coverage as an added coverage.
More About Esurance
With Esurance, you can add custom parts and equipment coverage to your policy. That provides protection for aftermarket upgrades, covering expenses for damages in a claim to upgrades and anything not installed on your vehicle by the manufacturer. The maximum coverage limit is $4,000.
Another add-on coverage for Lancaster drivers is gap insurance. That pays up to 25% more than the actual cash value of your vehicle if it is totaled to help you take care of your loan or lease.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:85
AAA earned a perfect score for claims and high ratings for affordability and customer satisfaction. A full coverage policy for a 40-year-old driver costs approximately $1,340 per year in Lancaster. AAA provides identity theft insurance coverage through club membership.
More About AAA
AAA membership includes identity theft coverage, and you must be a club member to get AAA car insurance. AAA membership also includes roadside assistance to cover the cost of fuel delivery, flat tire changes, battery jumpstarts and replacement and vehicle lockout services, plus trip continuation coverage.
You can add car rental reimbursement to your auto policy in Lancaster with AAA. It pays for car rental or public transportation expenses, subject to your policy limit, if your car is not drivable after a loss.
Read MoneyGeek's AAA auto Insurance Review3
GEICO
Score:83
4
Progressive
Score:75
5
Mercury
Score:71
6
State Farm
Score:69
7
Allstate
Score:66
8
Travelers
Score:61
9
MetLife
Score:56
10
Farmers
Score:45
11
Hartford
Score:28
12
Allied
Score:25
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
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.
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