Compare Lancaster, CA Car Insurance Rates (2021)

The cheapest Lancaster, CA car insurance is from GEICO, although rates vary by driver. Auto insurance in Lancaster has to meet the California minimum requirements of 15/30/5 in liability coverage. If you can’t afford Lancaster, CA auto insurance, you might qualify for the California Low-Cost Auto (CLCA) program, offering very low coverage for a low rate.

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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: Aug 10, 2021

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Here's what you need to know...

  • GEICO offers the cheapest average car insurance in Lancaster, CA
  • Lancaster, CA car insurance is more expensive than the national average
  • California drivers may qualify for the California Low-Cost Auto (CLCA) program to get lower rates

Lancaster, CA car insurance is expensive. In fact, it’s higher than the average national and California car insurance rates.

The good news is that you can still find affordable Lancaster, CA car insurance if you shop around and compare companies. Every company charges different rates so it’s important to look at multiple companies.

Monthly Lancaster, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Lancaster, CA car insurance rates by ZIP Code below:

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Lancaster, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Lancaster, California against other top US metro areas’ auto insurance rates.

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Enter your ZIP code now to compare Lancaster, CA car insurance quotes today.

What is the cheapest car insurance company in Lancaster, CA?

GEICO offers the cheapest car insurance rates on average in Lancaster.

The cheapest Lancaster, CA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average California auto insurance company rates?” We cover that as well.

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These are the top Lancaster, CA car insurance companies listed from least to most expensive:

  • GEICO – $2,869.76
  • USAA – $2,922.56
  • Liberty Mutual – $3,073.10
  • Progressive – $3,110.72
  • Travelers – $3,583.61
  • Nationwide – $4,702.79
  • State Farm – $4,948.73
  • Allstate – $4,986.82
  • Farmers – $5,829.84

There are many factors that affect your car insurance rates. Everything from your age, driving record, and even the CA weather can be used to calculate your rates.

Where you live plays a large part in your car insurance rates. Although the towns are near each other, Los Angeles car insurance rates are much higher because L.A. is a much larger city than Lancaster with higher traffic and crime rates.

Many states allow gender to also be used to determine your car insurance rates, but California is one of the few states that do not allow companies to use gender.

California does offer low-cost auto insurance for low-income drivers. The California Low-Cost Auto (CLCA) program offers very low coverage for drivers who meet certain requirements.

Lancaster, California auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Lancaster, CA auto insurance rates. Find the cheapest Lancaster, California auto insurance rates by coverage level below:

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Your driving record will affect your Lancaster auto insurance rates. For example, a Lancaster, California DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Lancaster, California auto insurance rates by driving record.

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Factors affecting auto insurance rates in Lancaster, CA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Lancaster, California auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Lancaster. California does use gender, so check out the average monthly auto insurance rates by age and gender in Lancaster, CA.

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What car insurance coverage is required in Lancaster, CA?

Almost every state requires at least a minimum amount of auto insurance for drivers to drive legally. California is no different.

The minimum auto insurance requirements in California for Lancaster drivers are:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

These minimums are very low, and drivers should consider carrying additional coverages. In a serious accident, these low minimums won’t fully cover you, and you’ll be left to pay out of pocket for anything not covered.

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What affects car insurance rates in Lancaster, CA?

Traffic can affect your car insurance rates. More cars on the road equal a higher chance of an accident.

INRIX ranks Lancaster, CA as the 209th most congested city in the U.S. Although Lancaster is fairly close to Los Angeles, drivers don’t face the same congestion.

City-Data reports that Lancaster drivers spend about 15-20 minutes commuting. Although most drivers prefer to commute alone, about eight percent carpool.

Vehicle theft can also raise your car insurance rates. According to the FBI, there were 650 motor vehicle thefts in one year.

Lancaster, CA Car Insurance: The Bottom Line

Lancaster car insurance is higher than the state and national averages. Although, you can get low-cost auto insurance if you meet certain requirements.

Before you buy Lancaster, CA car insurance, shop around to find the cheapest coverage for you.

Enter your ZIP code now to compare Lancaster, CA car insurance rates for free today.

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

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Monthly Lancaster, CA Car Insurance Rates by ZIP Code
Lancaster, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Lancaster, CA Car Insurance Rates by Company and Age
The Cheapest Lancaster, CA Car Insurance Rates by Coverage Level
The Cheapest Lancaster, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Lancaster, CA
Average Monthly Car Insurance Rates by Age & Gender in Lancaster, CA
Monthly Lancaster, CA Car Insurance Rates by ZIP Code
Lancaster, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Lancaster, CA Car Insurance Rates by Company and Age
The Cheapest Lancaster, CA Car Insurance Rates by Coverage Level
The Cheapest Lancaster, CA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Lancaster, CA
Average Monthly Car Insurance Rates by Age & Gender in Lancaster, CA