At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.
In This Article:
How much is car insurance in Lancaster?
|Area||Average Monthly Car Insurance Premium|
Coverage for your vehicle in Lancaster will typically run you about $4 a month more than in the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Lancaster is more affordable. The average monthly payment for the U.S. as a whole is about $11 more expensive than 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 a number of factors that determine how much insurance companies might charge you for your insurance policy. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't worry, we've done the work for you and broken down the average rates for Lancaster to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
Find your best rate in just a few minutes
Lancaster Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up in Lancaster.
Lancaster Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. While female drivers pay a bit less than male drivers on their monthly auto insurance coverage, the difference in Lancaster is only about $1 a month.
Lancaster Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Lancaster with a single accident will pay around $79 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $87.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Lancaster Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$75|
|15 Years or Older||$65|
If you look at the first table above, the cheapest vehicles to insure in Lancaster are typically trucks and vans, at $65 per month.
Car owners can expect to pay an average of around $70 a month for their policy, while SUVs usually cost around $67 a month to insure.
The age of your vehicle also plays a role in your monthly payment. 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 around 5 years old. In Lancaster, the most expensive vehicles to insure are vehicles six-to-seven years old.
Lancaster Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
More often than not, those who have settled down into marriage will pay slightly less for auto insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies extend special discounts for.
The difference in rates based on relationship status in Lancaster is about $18 a month, with married couples paying less for coverage than single drivers.
Lancaster Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Another factor that comes into play is your living accommodations. If you rent your home or apartment, expect to pay around $11 a month more than those who own their 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 and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Lancaster, TX
Recent trends in car insurance for Lancaster drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Lancaster, the rates for auto insurance have been mixed over the past few years. They increased in 2017, fell in 2019, and rose again in 2021, before finishing at $76 in 2022.
How does Lancaster compare to neighboring areas?
Why are car insurance rates in Lancaster different from other areas?
There are a number of factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we mentioned the factors that affect your personal policy, others are based around where you park your car. These include things like:
- Number of drivers in the area
- Local regulations
- Road safety
- Amount of off-street parking
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great 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.
But wait! Compare.com will handle the heavy lifting for you. Enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering plans in Lancaster.
Find your best rate in just a few minutes
Lancaster Auto Insurance FAQs
What factors affect car insurance quotes in Lancaster?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Lancaster different from other neighboring cities?
Things like crime rates, local laws, 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?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lancaster or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
- All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
- None of Compare.com's content is ever influenced by the companies and brands we partner with.
- Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
- All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.
Learn more about us, our team, and what makes us tick.
Find your best rate in just a few minutes