Best Cheap Auto Insurance in Lancaster, TX (2021)

The average Lancaster, TX auto insurance rates are $373 per month. The minimum auto insurance in Lancaster is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Lancaster, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Lancaster, TX for senior drivers are $2,724 per year
  • The minimum auto insurance required in Lancaster, Texas is 30/60/25
  • The most expensive auto insurance company in Lancaster for teen drivers is Allstate

Lancaster, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Lancaster can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lancaster, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Lancaster to other Texas cities, including Plano auto insurance rates, Dallas auto insurance rates, and Corpus Christi auto insurance rates to see how Lancaster, Texas auto insurance rates stack up.

Before you buy Lancaster, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lancaster, Texas auto insurance quotes.

Minimum Auto Insurance in Lancaster, Texas

Lancaster, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lancaster, Texas.

Minimum Required Auto Insurance Coverage in Lancaster, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Lancaster, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lancaster, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lancaster, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,175 $4,207 $4,122 $4,122 $11,114 $13,409 $5,165 $5,373
American Family $3,730 $4,173 $3,476 $4,009 $10,159 $13,319 $5,429 $6,203
GEICO $2,684 $2,898 $2,599 $2,957 $5,851 $6,041 $2,897 $2,872
Nationwide $2,503 $2,544 $2,209 $2,340 $7,142 $9,177 $2,945 $3,189
Progressive $2,502 $2,390 $2,214 $2,262 $10,210 $11,402 $2,971 $3,028
State Farm $2,421 $2,421 $2,161 $2,161 $5,865 $7,482 $2,637 $2,711
USAA $1,835 $1,836 $1,765 $1,742 $5,191 $5,618 $2,431 $2,581

Cheap Lancaster, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lancaster, Texas is a challenge. Take a look at the annual teen auto insurance rates in Lancaster, Texas.

Annual Auto Insurance Rates for Teen Drivers in Lancaster, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,114 $13,409
American Family $10,159 $13,319
GEICO $5,851 $6,041
Nationwide $7,142 $9,177
Progressive $10,210 $11,402
State Farm $5,865 $7,482
USAA $5,191 $5,618

Cheap Lancaster, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Lancaster, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Lancaster, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,122 $4,122
American Family $3,476 $4,009
GEICO $2,599 $2,957
Nationwide $2,209 $2,340
Progressive $2,214 $2,262
State Farm $2,161 $2,161
USAA $1,765 $1,742

Cheap Lancaster, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lancaster, Texas compared to the annual auto insurance rates with a clean record in Lancaster, Texas.

Annual Lancaster, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,992 $7,768 $8,091 $4,992
American Family $5,745 $7,337 $6,422 $5,745
GEICO $3,051 $4,031 $3,374 $3,943
Nationwide $3,471 $3,471 $5,157 $3,924
Progressive $4,032 $5,192 $4,718 $4,548
State Farm $3,085 $3,550 $4,208 $3,085
USAA $2,135 $3,179 $3,733 $2,453

Cheap Lancaster, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lancaster, Texas is not easy. Compare the annual rates for DUI auto insurance in Lancaster, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Lancaster, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $8,091
American Family $6,422
GEICO $3,374
Nationwide $5,157
Progressive $4,718
State Farm $4,208
USAA $3,733

Cheap Lancaster, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lancaster, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Lancaster, Texas

Insurance Company Poor Fair Good
Allstate $8,220 $6,014 $5,148
American Family $8,638 $5,500 $4,799
GEICO $5,568 $3,143 $2,089
Nationwide $4,808 $3,859 $3,352
Progressive $5,226 $4,490 $4,151
State Farm $4,924 $3,071 $2,451
USAA $4,200 $2,449 $1,976

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Cheap Lancaster, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lancaster, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Lancaster, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Lancaster, Texas

ZIP Code Average Annual Rates
75134 $6,561
75146 $6,478

Cheap Lancaster, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Lancaster, Texas auto insurance. Find the cheapest annual Lancaster, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Lancaster, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $6,301 $6,620
American Family $6,312 $6,312
GEICO $3,531 $3,669
Nationwide $4,006 $4,006
Progressive $4,622 $4,622
State Farm $3,482 $3,482
USAA $2,838 $2,912

Cheap Lancaster, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lancaster, Texas? Check out the comparison of annual Lancaster, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lancaster, Texas

Insurance Company Low Medium High
Allstate $6,310 $6,404 $6,668
American Family $5,829 $6,051 $7,057
GEICO $3,389 $3,548 $3,862
Nationwide $4,303 $3,834 $3,882
Progressive $4,410 $4,601 $4,856
State Farm $3,275 $3,464 $3,707
USAA $2,755 $2,861 $3,008

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Best By Category: Cheapest Auto Insurance in Lancaster, Texas

Compare the cheapest auto insurance companies in Lancaster, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Lancaster, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Lancaster, Texas Auto Insurance Companies

What auto insurance companies in Lancaster, Texas are the cheapest? Compare the top Lancaster, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Lancaster, Texas

Insurance Company Average Annual Rates
Allstate $6,461
American Family $6,312
GEICO $3,600
Nationwide $4,006
Progressive $4,622
State Farm $3,482
USAA $2,875

What affects auto insurance rates in Lancaster, Texas?

There are a lot of reasons why auto insurance rates in Lancaster, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lancaster, Texas. Many local factors may affect your Lancaster auto insurance rates.

Lancaster Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lancaster, Texas auto theft statistics, there have been 182 auto thefts in the city.

Lancaster Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lancaster, Texas commute length is 30.8 minutes according to City-Data.

Lancaster Traffic

How does Lancaster, Texas rank for traffic? According to Inrix Lancaster, Texas is the 297th most congested worldwide.

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Compare Lancaster, Texas Auto Insurance Quotes

Before you buy Lancaster, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lancaster, Texas 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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