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Get Cheap Car Insurance in Lancaster, CA
We monitor insurance prices, helping the average driver in Lancaster save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Lancaster
The chart below shows the cheapest car insurance company in Lancaster for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by Geico, Progressive, and Travelers.
| Lancaster Insurer | Monthly Cost |
|---|---|
| Metromile | $56 |
| Geico | $63 |
| Progressive | $67 |
| Travelers | $69 |
Savings for Every Kind of Lancaster Driver
Based on our extensive insurance data, we know the average Lancaster driver will save about 32% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, marital status, and age. The average driver will find themselves saving $708 per year by choosing the right vehicle insurance company. Some Lancaster residents are paying out over $2,214 extra every year for auto insurance in Lancaster. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lancaster, CA Savings / Yr. |
|---|---|
$708 |
|
$1,297 |
|
$1,026 |
|
$1,802 |
|
$925 |
|
$401 |
|
$0 |
Lancaster Car Insurance vs. California
People living in Lancaster pay an average of 10.28% more than the typical driver in the state. The average driver in Lancaster can expect to pay about $1,037 per year, or $2,214 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Lancaster for most people.
Car Insurance Prices by Lancaster Neighborhood
Insurance Prices
Where is insurance cheapest within Lancaster?
The map shows insurance prices in and around Lancaster, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $564 per year within the city boundaries, with insurance premiums ranging from a high of $2,453 to a low of $1,889. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northeast parts of Lancaster.Pick the Best Car Insurance Company for You in Lancaster
The best car insurance provider for most drivers in Lancaster
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $708 over the average Lancaster car insurance company.
The best car insurance provider for Lancaster drivers with accidents on their records
In our analysis, Metromile saved the average person who had been in an accident the most, with annual savings averaging $1,297 over the competition.
The best car insurance company for Lancaster drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $1,026 better than other car insurance companies.
The best auto insurance for Lancaster drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,802 less each year.
The least expensive car insurance company for new and young drivers in Lancaster
In Lancaster, State Farm costs young drivers $925 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lancaster
Progressive gave the largest car insurance discounts to married couples, averaging $401 saved each year compared to an average Lancaster couple's premiums.
The cheapest car insurance in Lancaster for drivers with bad credit
The best Lancaster car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lancaster
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Lancaster driver can expect to pay about $129 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lancaster, USAA has the best prices for good drivers, drivers with a DUI conviction, drivers with speeding tickets, young drivers, and drivers with accidents.Auto Insurance Prices in and Around Lancaster
What Influences the Cost of Car Insurance in Lancaster?
On average, car insurance in Lancaster is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Lancaster is 39 minutes, which is a little more than average for a driver in the state.
- California state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lancaster are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
- Lancaster is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lancaster is $86 per month for minimum coverage and $185 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Quartz Hill: Insurance costs 4.83% less
- Palmdale: Insurance costs 3.75% more
- Leona Valley: Insurance costs 8.27% less
- Del Sur: Insurance costs 8.58% less
- Sun Village: Insurance costs 0.05% less
- Littlerock: Insurance costs 2.53% less
- Lake Hughes: Insurance costs 9.35% less
- Agua Dulce: Insurance costs 4.56% less
- Lake Los Angeles: Insurance costs 2.62% less
- Three Points: Insurance costs 11.34% less
Cities with Similar Populations
- Frisco: Insurance costs 16.58% less
- Glendale: Insurance costs 10.84% less
- Garland: Insurance costs 11.34% less
- Fullerton: Insurance costs 0.77% more
- Gardena: Insurance costs 7.45% more
- Garden Grove: Insurance costs 1.45% more
- Greenville: Insurance costs 43.72% less
- Fresno: Insurance costs 6.55% less
- Gainesville: Insurance costs 17.30% less
- Gaithersburg: Insurance costs 8.85% less