Table of contents
How much is car insurance in Lancaster?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Lancaster are about the same as the rest of California.
On the other hand, when compared to the national average, the cost for auto insurance in Lancaster is lower. On average, it's about $23 less to insure your vehicle in Lancaster than it is in the rest of the United States.
While these are the average car insurance rates for Lancaster, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Lancaster residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. As you get closer to retirement age, however, you may see your rates creep back up a bit in Lancaster.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Lancaster, however, men actually pay slightly less than female drivers to insure their car.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Those with clean records will obviously pay significantly less than those with infractions. In Lancaster, drivers with one accident on their record will experience rates around $64 a month. In addition, drivers with one ticket can expect to pay around $98 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$59|
|15 Years or Older||$56|
In Lancaster, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $48 per month for auto insurance coverage.
SUV drivers will see rates of about $61 for car insurance, while car owners by and large pay around $58 per month.
You may also see different rates based on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Lancaster, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$61|
Overall, people who are married will pay slightly less to insure their vehicle. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Lancaster, with married couples paying about $12 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$70|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $1 a month more than homeowners in Lancaster. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Lancaster, CA
Recent trends in car insurance for Lancaster drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area when choosing your car insurance policy.
In Lancaster, car insurance rates went up from 2016-2018, when they hit a high of $64. This shifted in 2019, when they began to turn downward again. They finished down in 2021, at $57 a month
How does Lancaster compare to neighboring areas?
Why are car insurance rates in Lancaster different from other areas?
Car insurance companies will take into account a number of factors when choosing how much to charge for a policy. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Community regulations
- Total number of drivers
- Road safety
- Crime levels
- Off-street parking accessibility
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Lancaster?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
But hold on! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Lancaster.
Lancaster Insurance FAQs
What factors affect car insurance quotes in Lancaster?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Lancaster different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Lancaster?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Lancaster?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lancaster or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.