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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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...

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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: Mar 19, 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.

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. 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.

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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.

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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