Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Lancaster, VA
We monitor insurance prices, helping the average driver in Lancaster save up to 38.8% 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, Farm Bureau, and Safeco Insurance.
| Lancaster Insurer | Monthly Cost |
|---|---|
| Metromile | $42 |
| Geico | $48 |
| Farm Bureau | $51 |
| Safeco Insurance | $54 |
Savings for Every Kind of Lancaster Driver
Based on our extensive insurance data, we know the average Lancaster driver will save about 38% 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, credit score, marital status, and age. The average driver will find themselves saving $443 per year by choosing the right vehicle insurance company. Some Lancaster residents are paying out over $1,176 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, VA Savings / Yr. |
|---|---|
$443 |
|
$757 |
|
$648 |
|
$633 |
|
$1,036 |
|
$237 |
|
$427 |
Lancaster Car Insurance vs. Virginia
People living in Lancaster pay an average of 3.20% less than the typical driver in the state. The average driver in Lancaster can expect to pay about $814 per year, or $1,176 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 $42 per year within the city boundaries, with insurance premiums ranging from a high of $1,196 to a low of $1,154. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southeast 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 $443 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 $757 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 $648 better than other car insurance companies.
The best auto insurance for Lancaster drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $633 less each year.
The least expensive car insurance company for new and young drivers in Lancaster
In Lancaster, Erie Insurance costs young drivers $1,036 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lancaster
Farm Bureau gave the largest car insurance discounts to married couples, averaging $237 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
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Lancaster, which was better than other insurers.
The cheapest large national provider in Lancaster
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lancaster driver can expect to pay about $89 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 young drivers, drivers with accidents, drivers with bad credit, married couples, drivers with speeding tickets, drivers with a DUI conviction, and good drivers.Auto Insurance Prices in and Around Lancaster
What Influences the Cost of Car Insurance in Lancaster?
On average, car insurance in Lancaster is actually less expensive than the rest of the state. These low 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 36 minutes, which is about the national average for a driver in the state.
- Virginia state insurance regulations may allow for lower prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lancaster are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Lancaster is one of the most densely populated areas 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 $68 per month for minimum coverage and $98 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
- McNeals Corner: Insurance costs 1.70% more
- Weems: Insurance costs 1.28% more
- Morattico: Insurance costs 0.85% less
- Kilmarnock: Insurance costs 0.85% more
- Irvington: Insurance costs 0.85% less
- Howland: Insurance costs 1.87% less
- Water View: Insurance costs 1.53% more
- Urbanna: Insurance costs 0.43% more
- Edwardsville: Insurance costs 2.72% more
- Wicomico Church: Insurance costs 0.77% less
Cities with Similar Populations
- White Sulphur Springs: Insurance costs 24.57% more
- St. Henry: Insurance costs 12.24% less
- Stockton: Insurance costs 43.79% more
- Leighton: Insurance costs 33.93% more
- Wellston: Insurance costs 45.75% more
- La Salle: Insurance costs 138.52% more
- Fayette: Insurance costs 46.17% more
- Willard: Insurance costs 16.67% more
- Claysville: Insurance costs 16.92% more
- Clarksville: Insurance costs 7.99% less