Lompoc, CA Car Insurance

Lompoc drivers pay, on average, around $45 a month for their car insurance. To learn more about policy rates and coverage in the Lompoc area, continue reading our guide below.
How does Lompoc compare to the surrounding area and the rest of California? What can Lompoc residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Lompoc?

Area Average Monthly Car Insurance Premium
Lompoc$45
CA$56
United States$80

According to the chart above, the average cost of auto insurance in California is about $11 a month more expensive than it is in Lompoc.

Compared to the rest of the country, auto insurance in Lompoc is more affordable. The average monthly payment in Lompoc is about $35 cheaper than the rate for the rest of the U.S.

Although these are the average monthly costs for an auto insurance policy in Lompoc, that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Lompoc residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$64
25-34$46
35-44$33
45-54$34
55-64$31
65+$32

It would make sense that older drivers have more driving experience, right? That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $32 more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates climb back up a bit in Lompoc.

Average Car Insurance Rates by Gender

Gender Average
Male$48
Female$42

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Lompoc, the difference comes out to about $6 a month. Based on the chart above, you can see that female drivers pay around $42 on average, while male drivers typically pay $48 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$50
Multiple Accidents$91
1 Ticket$42
Multiple Tickets$49

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Lompoc, having a single accident on your record will usually get you rates around $50 a month. Likewise, drivers with one ticket will be looking at a rate of around $42 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$48
2-3 Years$42
4-5 Years$41
6-7 Years$60
8-10 Years$41
11-14 Years$45
15 Years or Older$41

The most affordable vehicles to insure in Lompoc are usually SUVs, which run about $43 per month.

Truck and van drivers will see rates of about $54 for car insurance coverage, while car owners by and large pay around $45 per month.

In addition to vehicle type, you can also expect to see slightly different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Lompoc, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$50
Married$32
Divorced$36
Widowed$37

More often than not, people who are married will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

The difference in rates based on relationship status in Lompoc can be as much as $18 a month, so it's worth keeping that in mind.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$39
Rent$43
Live with parents$63

Another factor that comes into play is your living situation. In Lompoc, homeowners can expect to pay around $4 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Lompoc, CA

Recent trends in car insurance for Lompoc drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

Car insurance rates in Lompoc had been increasing from 2016-2018, where they reached a high of $58, before leveling out in 2019. Car insurance rates rose once again in 2020, and have continued rising through 2021, where they hit $43 a month.

How does Lompoc compare to neighboring areas?

Why are car insurance rates in Lompoc different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a variety of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Crime rates
  • General road safety (how many accidents each locality has)
  • Off-street parking availability
  • Number of drivers in the region
  • Area regulations

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Lompoc?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Lompoc.

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Lompoc Insurance FAQs

What factors affect car insurance quotes in Lompoc?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.

Why is the cost of car insurance in Lompoc different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, 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 Lompoc?

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 Lompoc?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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 Lompoc 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.

Find your best rate in just a few minutes