Table of contents
How much is car insurance in Lancaster?
|Area||Average Monthly Car Insurance Premium|
Car insurance policies across the rest of South Carolina are about $7 a month cheaper than the rates drivers pay in Lancaster.
Likewise, Lancaster residents will likely pay higher rates for their insurance policy than the rest of the country. The cost of insuring a vehicle in Lancaster is about $30 more expensive than the average rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Lancaster, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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.
But worry not, we've done the heavy lifting and broken down the average rate for Lancaster to help you understand what exactly you might be asked to pay. And if you're not certain that you're paying the lowest option, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to increase again in Lancaster.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. This rings true in Lancaster, where women pay around $14 less per month than men. As you can see in the table above, female drivers in the area typically pay $106 on average, while female drivers typically pay $120 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Lancaster, a driving record with a single accident will usually get you a rate around $143 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $160.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$102|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Lancaster, with drivers paying around $95 per month for insurance coverage.
SUV drivers will see rates of about $106 to insure their car, while car owners typically pay around $117 per month.
The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, if your car is around 5 years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Lancaster are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$120|
Overall, those who have settled down into marriage will pay slightly less for car insurance. 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, married drivers usually pay less than single drivers for auto insurance. This holds true for Lancaster as well, where the difference is around $32 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$126|
Another factor that comes into play is your living situation. If you rent your home or apartment, expect to pay around $22 a month more than if you own your own home in Lancaster. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Lancaster, SC
Recent trends in car insurance for Lancaster drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
In Lancaster, car insurance rates had been increasing from 2017-2018 -- where they hit a high of $95 -- before steadying out in 2019. Rates went up again in 2020, and finished down at $123 in 2022.
How does Lancaster compare to neighboring areas?
Why are car insurance rates in Lancaster different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you park your car. These include things like:
- Area laws
- Off-street parking accessibility
- Total drivers
- Road Safety (frequency of car accidents)
- Prevalence of crime
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Lancaster?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering plans in Lancaster.
Lancaster Insurance FAQs
What factors affect car insurance quotes in Lancaster?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Lancaster different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Lancaster or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?