Compare Lancaster, TX Car Insurance Rates (2021)

Car insurance in Lancaster, TX averages $373 a month. Lancaster, Texas car insurance requirements are 30/60/25, 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, TX.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Lancaster, TX are $4,480/year
  • The cheapest ZIP code in Lancaster is 75146
  • Average car insurance rates in Lancaster, TX after a DUI are $5,100/year

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

You’ll find Lancaster car insurance rates, the cheapest Lancaster, TX car insurance companies, and information on Texas car insurance laws. You can also compare Lancaster, Texas car insurance rates to Dallas car insurance rates, Fort Worth car insurance rates, and Corpus Christi car insurance rates.

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

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

How do age, gender, and marital status affect Lancaster, TX car insurance rates? Every Lancaster, Texas 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, Texas

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 $4,175 $4,207 $4,122 $4,122 $11,114 $13,409 $5,165 $5,373
American Family $3,730 $4,173 $3,476 $4,009 $10,159 $13,319 $5,429 $6,203
GEICO $2,684 $2,898 $2,599 $2,957 $5,851 $6,041 $2,897 $2,872
Nationwide $2,503 $2,544 $2,209 $2,340 $7,142 $9,177 $2,945 $3,189
Progressive $2,502 $2,390 $2,214 $2,262 $10,210 $11,402 $2,971 $3,028
State Farm $2,421 $2,421 $2,161 $2,161 $5,865 $7,482 $2,637 $2,711
USAA $1,835 $1,836 $1,765 $1,742 $5,191 $5,618 $2,431 $2,581

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Lancaster, TX

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

Minimum Required Car Insurance Coverage in Lancaster, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lancaster, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lancaster, TX. Compare credit history car insurance rates in Lancaster from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lancaster, Texas

Insurance Company Poor Fair Good
Allstate $8,220 $6,014 $5,148
American Family $8,638 $5,500 $4,799
GEICO $5,568 $3,143 $2,089
Nationwide $4,808 $3,859 $3,352
Progressive $5,226 $4,490 $4,151
State Farm $4,924 $3,071 $2,451
USAA $4,200 $2,449 $1,976

Cheapest Lancaster, TX 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, TX to rates for a clean record with top companies.

Annual Lancaster, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,992 $7,768 $8,091 $4,992
American Family $5,745 $7,337 $6,422 $5,745
GEICO $3,051 $4,031 $3,374 $3,943
Nationwide $3,471 $3,471 $5,157 $3,924
Progressive $4,032 $5,192 $4,718 $4,548
State Farm $3,085 $3,550 $4,208 $3,085
USAA $2,135 $3,179 $3,733 $2,453

Cheapest Lancaster, TX Car Insurance for Teen Drivers

Teen car insurance in Lancaster, TX 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, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,114 $13,409
American Family $10,159 $13,319
GEICO $5,851 $6,041
Nationwide $7,142 $9,177
Progressive $10,210 $11,402
State Farm $5,865 $7,482
USAA $5,191 $5,618

Cheapest Lancaster, TX Car Insurance for Seniors

Take a look at Lancaster, TX 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, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,122 $4,122
American Family $3,476 $4,009
GEICO $2,599 $2,957
Nationwide $2,209 $2,340
Progressive $2,214 $2,262
State Farm $2,161 $2,161
USAA $1,765 $1,742

Cheapest Lancaster, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lancaster, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,091
American Family $6,422
GEICO $3,374
Nationwide $5,157
Progressive $4,718
State Farm $4,208
USAA $3,733

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Lancaster, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lancaster, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,301 $6,620
American Family $6,312 $6,312
GEICO $3,531 $3,669
Nationwide $4,006 $4,006
Progressive $4,622 $4,622
State Farm $3,482 $3,482
USAA $2,838 $2,912

Cheapest Lancaster, TX 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, TX.

Annual Car Insurance Rates by ZIP Code in Lancaster, Texas

ZIP Code Average Annual Rates
75134 $6,561
75146 $6,478

The Best Cheap Car Insurance Companies in Lancaster, TX

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

Average Annual Car Insurance Rates by Company in Lancaster, Texas

Insurance Company Average Annual Rates
Allstate $6,461
American Family $6,312
GEICO $3,600
Nationwide $4,006
Progressive $4,622
State Farm $3,482
USAA $2,875

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Lancaster, Texas

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

Best Annual Car Insurance Rates by Company in Lancaster, Texas

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

Cheapest Lancaster, TX 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, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lancaster, Texas

Insurance Company Low Medium High
Allstate $6,310 $6,404 $6,668
American Family $5,829 $6,051 $7,057
GEICO $3,389 $3,548 $3,862
Nationwide $4,303 $3,834 $3,882
Progressive $4,410 $4,601 $4,856
State Farm $3,275 $3,464 $3,707
USAA $2,755 $2,861 $3,008

What affects car insurance rates in Lancaster, Texas?

What factors can have an impact on Lancaster, TX 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, Texas.

Car Theft in Lancaster

High levels of vehicle theft can make car insurance more expensive. Lancaster, TX car theft statistics from the FBI indicate 182 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, TX is 30.8 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, TX traffic data from INRIX ranks Lancaster as the 297th-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Lancaster, TX

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption