Compare Lancaster, CA Car Insurance Rates (2021)

Car insurance in Lancaster, CA averages $334 a month. Lancaster, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lancaster car insurance rates, compare quotes from the top car insurance companies in Lancaster, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lancaster for teen drivers is USAA
  • Average car insurance rates in Lancaster, CA after a DUI are $5,635/year
  • The cheapest car insurance company in Lancaster is GEICO

If you need to buy Lancaster, California car insurance, the options can be confusing. Everything you need to know about car insurance in Lancaster, CA is right here.

You’ll find Lancaster car insurance rates, the cheapest Lancaster, CA car insurance companies, and information on California car insurance laws. You can also compare Lancaster, California car insurance rates to San Francisco car insurance rates, Los Angeles car insurance rates, and San Diego car insurance rates.

Ready to find affordable Lancaster, CA car insurance today? Enter your ZIP code for fast, free Lancaster car insurance quotes.

Cheapest Lancaster, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lancaster, CA car insurance rates? Every Lancaster, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lancaster, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,211 $3,207 $2,331 $2,349 $8,972 $11,269 $4,087 $4,467
Farmers $3,169 $3,169 $2,876 $2,876 $10,121 $16,481 $3,758 $4,190
GEICO $1,779 $1,780 $1,673 $1,673 $5,403 $5,489 $2,554 $2,608
Liberty Mutual $2,343 $2,200 $2,195 $2,119 $5,026 $5,413 $2,619 $2,669
Nationwide $3,310 $3,157 $2,927 $2,755 $8,391 $9,303 $3,922 $3,858
Progressive $1,931 $1,984 $1,670 $1,969 $5,229 $6,270 $2,813 $3,020
State Farm $3,878 $3,878 $3,469 $3,469 $7,210 $8,979 $4,290 $4,419
Travelers $2,660 $2,569 $2,350 $2,326 $5,594 $6,326 $3,463 $3,380
USAA $2,093 $1,979 $2,045 $2,049 $4,802 $4,808 $2,884 $2,721

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Minimum Car Insurance in Lancaster, CA

Every driver must carry the minimum car insurance in Lancaster, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Lancaster, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Lancaster, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lancaster, CA to rates for a clean record with top companies.

Annual Lancaster, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,002 $5,044 $7,961 $3,940
Farmers $4,317 $5,873 $7,302 $5,828
GEICO $2,006 $3,099 $3,886 $2,488
Liberty Mutual $2,667 $3,570 $3,228 $2,827
Nationwide $3,278 $4,210 $7,113 $4,210
Progressive $2,025 $3,467 $4,029 $2,922
State Farm $3,536 $4,214 $7,943 $4,101
Travelers $2,366 $3,923 $4,522 $3,523
USAA $1,939 $2,889 $4,737 $2,125

Cheapest Lancaster, CA Car Insurance for Teen Drivers

Teen car insurance in Lancaster, CA can be expensive. Take a look at rates from the top car insurance companies in Lancaster for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lancaster, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,972 $11,269
Farmers $10,121 $16,481
GEICO $5,403 $5,489
Liberty Mutual $5,026 $5,413
Nationwide $8,391 $9,303
Progressive $5,229 $6,270
State Farm $7,210 $8,979
Travelers $5,594 $6,326
USAA $4,802 $4,808

Cheapest Lancaster, CA Car Insurance for Seniors

Take a look at Lancaster, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lancaster, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,331 $2,349
Farmers $2,876 $2,876
GEICO $1,673 $1,673
Liberty Mutual $2,195 $2,119
Nationwide $2,927 $2,755
Progressive $1,670 $1,969
State Farm $3,469 $3,469
Travelers $2,350 $2,326
USAA $2,045 $2,049

Cheapest Lancaster, CA Car Insurance Rates After a DUI

A DUI in Lancaster, CA increases car insurance rates. Compare Lancaster, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lancaster, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,961
Farmers $7,302
GEICO $3,886
Liberty Mutual $3,228
Nationwide $7,113
Progressive $4,029
State Farm $7,943
Travelers $4,522
USAA $4,737

Cheapest Lancaster, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lancaster, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lancaster, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,489 $5,485
Farmers $5,288 $6,372
GEICO $2,607 $3,133
Liberty Mutual $2,818 $3,328
Nationwide $4,152 $5,253
Progressive $2,823 $3,398
State Farm $4,765 $5,133
Travelers $3,225 $3,942
USAA $2,690 $3,155

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Cheapest Lancaster, CA Car Insurance Rates by ZIP Code

Lancaster car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lancaster, CA.

Annual Car Insurance Rates by ZIP Code in Lancaster, California

ZIP Code Average Annual Rates
93534 $5,625
93535 $5,819
93536 $5,332

The Best Cheap Car Insurance Companies in Lancaster, CA

Take a look at a side-by-side comparison of the top car insurance companies in Lancaster, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lancaster, California

Insurance Company Average Annual Rates
Allstate $4,987
Farmers $5,830
GEICO $2,870
Liberty Mutual $3,073
Nationwide $4,703
Progressive $3,111
State Farm $4,949
Travelers $3,584
USAA $2,923

Category Winners: Cheapest Car Insurance in Lancaster, California

Find the cheapest car insurance companies in Lancaster, CA for each category right here.

Best Annual Car Insurance Rates by Company in Lancaster, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Lancaster, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lancaster car insurance rates. Find the cheapest Lancaster, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lancaster, California

Insurance Company Low Medium High
Allstate $4,681 $5,036 $5,244
Farmers $5,392 $5,881 $6,217
GEICO $2,562 $2,906 $3,141
Liberty Mutual $2,824 $3,102 $3,294
Nationwide $4,131 $4,787 $5,190
Progressive $2,721 $3,216 $3,396
State Farm $4,357 $5,050 $5,439
Travelers $3,063 $3,687 $4,001
USAA $2,620 $2,985 $3,162

What affects car insurance rates in Lancaster, California?

What factors can have an impact on Lancaster, CA car insurance? There are several reasons why Lancaster car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lancaster, California.

Car Theft in Lancaster

High levels of vehicle theft can make car insurance more expensive. Lancaster, CA car theft statistics from the FBI indicate 730 vehicle thefts a year.

Commute Time in Lancaster

The more time you spend in your car the higher the risk of an accident. The average commute length in Lancaster, CA is 32.2 minutes according to City-Data.

Traffic in Lancaster

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lancaster, CA traffic data from INRIX ranks Lancaster as the 297th-most congested in the world.

Compare Car Insurance Quotes in Lancaster, CA

Ready to find affordable Lancaster, California car insurance today? Enter your ZIP code for fast, free Lancaster, CA car insurance quotes.

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