Lancaster, OH Car Insurance

Lancaster drivers pay, on average, around $50 a month for their car insurance. To find out more check out our guide below.
What rates can residents of Lancaster expect to pay for their car insurance? How does Lancaster compare to the surrounding area and the rest of Ohio? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Lancaster?

Area Average Monthly Car Insurance Premium
Lancaster$50
OH$59
United States$80

The cost of coverage in Lancaster is about $9 a month cheaper than it is for the rest of Ohio.

Drivers relocating from out of state may enjoy some cost savings in Lancaster. It's about $30 cheaper than the national average to insure your vehicle in Lancaster.

Although these are the average rates for auto insurance in Lancaster, it's important to remember that you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Lancaster so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$158
18-24$78
25-34$50
35-44$45
45-54$38
55-64$33
65+$39

It's pretty safe to assume that the older you are, the more experience you have as a driver. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement your rates may climb back up a bit in Lancaster.

Average Car Insurance Rates by Gender

Gender Average
Male$51
Female$50

Car insurance rates for female drivers are usually cheaper than those for male drivers. The price for auto insurance in Lancaster, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$67
Multiple Accidents$74
1 Ticket$47
Multiple Tickets$90

Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay significantly lower rates than those with accidents or violations. The rate for drivers in Lancaster with a single accident on their record is about $67 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $47.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$88
2-3 Years$52
4-5 Years$32
6-7 Years$47
8-10 Years$61
11-14 Years$43
15 Years or Older$54

In terms of affordable coverage, the cheapest vehicles to insure in Lancaster are usually trucks and vans, at $37 per month.

Car owners can expect to pay an average of around $53 a month for their policy, while SUVs usually cost around $49 a month to insure.

You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Lancaster, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$58
Married$40
Divorced$42
Widowed$27

Generally speaking, those who have settled down into marriage will pay slightly less to insure their car. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.

At a national level, single drivers usually pay more than married couples do for auto insurance. Lancaster follows that pattern, with the difference totaling to around $18 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$40
Rent$52
Live with parents$67

Another factor that comes into play is your living situation. In Lancaster, homeowners can expect to pay around $12 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average premiums.

Car Insurance Companies in Lancaster, OH

Recent trends in car insurance for Lancaster drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Lancaster, car insurance rates had been increasing from 2016-2017, when they reached a high of $69, but began to decrease from 2018-2019. They finished down in 2021, at $38.

How does Lancaster compare to neighboring areas?

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

Car insurance companies look at many factors when they're figuring out how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:

  • Community laws
  • General road safety (how many accidents each locality has)
  • Total number of drivers
  • Access to off-street parking
  • Area crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering 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 Lancaster?

While knowing 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.

Luckily, Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering plans in Lancaster in no time.

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Lancaster Insurance FAQs

What factors affect car insurance quotes in Lancaster?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

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

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Lancaster?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lancaster?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Lancaster or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes