Table of contents
How much is car insurance in Lancaster?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Lancaster will typically run you about $6 a month more than in the rest of South Carolina.
Similarly, drivers in Lancaster may pay higher rates than the rest of the country. It's about $25 more expensive than the national average to insure your vehicle in Lancaster.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
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 monthly bill might be. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.
You can expect to see a decrease in your monthly premium drop about once a decade or so. That said, once you hit retirement, your rates may climb 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. The difference in Lancaster is about $18 a month. Based on the chart above, you can see that male drivers pay $116 on average, while female drivers typically pay $98 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Lancaster with a single accident on their record will usually see rates around $126 a month. In addition, drivers with one ticket can expect to pay around $121 a month on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$81|
|15 Years or Older||$96|
If you look at the first table above, you'll see that trucks and vans are by and large the cheapest vehicles to insure in Lancaster, with drivers paying around $95 per month for auto insurance coverage.
Car owners can expect to pay an average of around $108 a month for their policy, while SUVs usually cost around $101 a month to insure.
Vehicle age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is a few years old. In Lancaster, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
Generally speaking, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Lancaster can be as much as $31 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$119|
One other element taken into consideration is your living accommodations. Renters can expect to pay around $19 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.
Bundling your home or rental insurance and auto insurance policies 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
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.
The cost of auto insurance in Lancaster dropped from 2016-2017, before leveling out in 2018. Policy premiums finished down in 2021, at $147 per month
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. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Total amount of drivers in the area
- Crime rates
- Road Safety (total number of local car accidents)
- Regional regulations
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. 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?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com has you covered. Enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing plans in Lancaster in no time.
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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Lancaster different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Lancaster?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
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?