Best Cheap Auto Insurance in Lancaster, CA (2021)

On average, Lancaster, CA auto insurance rates are $5,092/yr. The cheapest auto insurance company in Lancaster, California, is GEICO. However, Lancaster, CA auto insurance quotes vary for each person. Lancaster, CA car insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Lancaster, CA auto insurance online to find the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 22, 2021

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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

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Things to Remember

  • Lancaster, CA auto insurance rates are $5,332/yr on average
  • GEICO is the cheapest auto insurance company in Lancaster, CA
  • Lancaster, California auto insurance quotes are affected by commute time, vehicle theft, and weather

On average, Lancaster, CA auto insurance rates are $5,332 annually, which is about $1,643 more than the California state average and $1,400 more than the national average.

Auto insurance in Lancaster, California, varies for each person because auto insurance costs depend on personal factors.

Read through this guide to learn more about Lancaster, CA auto insurance and how shopping around can lead to cheap auto insurance.

Monthly Lancaster, CA Car Insurance Rates by ZIP Code

Find more info about the monthly Lancaster, CA auto 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 vital to compare Lancaster, CA against other top US metro areas’ auto insurance rates.

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Are you ready to find affordable Lancaster, CA auto insurance quotes? Enter your ZIP code above to compare the best auto insurance companies near you.

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

The cheapest car insurance company in Lancaster, California, based on average rates, is GEICO.

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

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Here are the best auto insurance companies in Lancaster, CA, ranked from cheapest to most expensive:

  • GEICO – $2,755
  • USAA – $2,767
  • Liberty Mutual – $3,001
  • Progressive – $3,083
  • Travelers – $3,517
  • Nationwide – $4,241
  • State Farm – $4,337
  • Allstate – $5,108
  • Farmers – $5208

Although USAA is the cheapest company overall in California, GEICO comes out as the more affordable Lancaster company.

Other companies, like Mercury Insurance, may have cheaper insurance prices, also. Try getting a quote to see if it measures up to the best companies in the state.

A clean driving record is the quickest way to cheap Lancaster, CA auto insurance. However, your age can affect premiums.

If you’re between 16 to 24 years old, car insurance rates could cost twice as much. We recommended staying under a parent’s policy and pursuing discounts by driving less.

Lancaster, California car insurance rates by company and age is an essential comparison because the top car 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 major role in your Lancaster, CA car insurance rates. Find the cheapest Lancaster, California car insurance rates by coverage level below:

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

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Factors affecting car 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 car insurance.

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

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What are the minimum auto insurance requirements in Lancaster, CA?

All Lancaster drivers have to meet the minimum California auto insurance requirements.

In California, you have to carry at least:

  • $15,000 for bodily injury of one person per accident
  • $30,000 for bodily injury of multiple people per accident
  • $5,000 per incident for property damage

California is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

We recommended a higher coverage level, such as 50/100/50, just in case you’re in an accident that exceeds the state minimum.

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What affects auto insurance rates in Lancaster, CA?

Gender and credit-based auto insurance have been outlawed in California, but commute mileage and vehicle thefts are still factors.

According to Data USA, the average commute time in Lancaster is 31 minutes, which is six minutes slower than average.

Driving less in Lancaster could save at least 10 percent on your auto insurance, but your savings will depend on the company.

Some car insurance companies don’t bother charging customers extra for driving more than average.

Why is comprehensive coverage recommended in Lancaster, CA?

Cities with a low car theft rate can get a deal on comprehensive coverage. According to the 2019 FBI statistics, Lancaster had 638 vehicle thefts.

It’s not close to the thefts in Los Angeles and San Francisco, so you may be able to get cheap comprehensive insurance.

Lancaster, CA weather is also something you should consider. According to City-Data, Lancaster had 37 fire disasters in 2019.

If you’re a Lancaster, California resident, it’s highly recommended to get full coverage to avoid expensive out-of-pocket costs.

Lancaster, CA Auto Insurance: The Bottom Line

Lancaster, CA car insurance rates are more expensive than average, but the right company can save you hundreds per year.

When you combine a clean driving record with eligible discounts, you can guarantee more affordable rates. However, you can only reassure yourself by getting quotes from multiple companies.

Before you buy auto insurance in Lancaster, California, shop around for a policy where you can save money. Use our free comparison tool below to get fast, free auto insurance quotes.

Free Auto Insurance Comparison

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

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