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Get Cheap Car Insurance in Lompoc, CA
We monitor insurance prices, helping the average driver in Lompoc save up to 33.7% on car insurance.
The Cheapest Minimum Coverage in Lompoc
The chart below shows the cheapest car insurance company in Lompoc 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.
| Lompoc Insurer | Monthly Cost |
|---|---|
| Metromile | $53 |
| Geico | $60 |
| Progressive | $64 |
| Travelers | $66 |
Savings for Every Kind of Lompoc Driver
Based on our extensive insurance data, we know the average Lompoc 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 $676 per year by choosing the right vehicle insurance company. Some Lompoc residents are paying out over $2,113 extra every year for auto insurance in Lompoc. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lompoc, CA Savings / Yr. |
|---|---|
$676 |
|
$1,238 |
|
$979 |
|
$1,720 |
|
$883 |
|
$383 |
|
$0 |
Lompoc Car Insurance vs. California
People living in Lompoc pay an average of 5.24% more than the typical driver in the state. The average driver in Lompoc can expect to pay about $989 per year, or $2,113 for full coverage.
Based on our analysis, Metromile will be the cheapest provider in Lompoc for most people.
Car Insurance Prices by Lompoc Neighborhood
Insurance Prices
Where is insurance cheapest within Lompoc?
The map shows insurance prices in and around Lompoc, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $641 per year within the city boundaries, with insurance premiums ranging from a high of $2,414 to a low of $1,773. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Lompoc.Pick the Best Car Insurance Company for You in Lompoc
The best car insurance provider for most drivers in Lompoc
For drivers with clean driving records and no major strikes, Metromile is the best option, with annual savings of $676 over the average Lompoc car insurance company.
The best car insurance provider for Lompoc 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 $1,238 over the competition.
The best car insurance company for Lompoc drivers with speeding tickets
>Metromile gave the average person with a speeding ticket the most savings, averaging $979 better than other car insurance companies.
The best auto insurance for Lompoc drivers with a DUI conviction
Getting a quote from Mercury Insurance may cost the average person with a DUI about $1,720 less each year.
The least expensive car insurance company for new and young drivers in Lompoc
In Lompoc, State Farm costs young drivers $883 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lompoc
Progressive gave the largest car insurance discounts to married couples, averaging $383 saved each year compared to an average Lompoc couple's premiums.
The cheapest car insurance in Lompoc for drivers with bad credit
The best Lompoc car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lompoc
For customers who prefer to work with large national providers, we recommend Allstate for pricing. The average Lompoc 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 Lompoc, 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 Lompoc
What Influences the Cost of Car Insurance in Lompoc?
On average, car insurance in Lompoc 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 Lompoc is 33 minutes, which is about the national 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 Lompoc are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Lompoc 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 Lompoc is $82 per month for minimum coverage and $176 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
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- Buellton: Insurance costs 14.53% less
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Cities with Similar Populations
- Cedar Hill: Insurance costs 6.20% less
- Cuyahoga Falls: Insurance costs 47.89% less
- Quincy: Insurance costs 31.99% less
- Lagrange: Insurance costs 14.86% less
- Antelope: Insurance costs 3.60% more
- Longview: Insurance costs 33.84% less
- Mandeville: Insurance costs 49.79% more
- Mankato: Insurance costs 27.59% less
- Marion: Insurance costs 47.66% less
- Martinez: Insurance costs 4.12% less