Lancaster, TX Car Insurance

The average cost for car insurance in Lancaster is about $69 a month. To learn more about policy rates and coverage in the Lancaster area, continue reading our guide below.
How does Lancaster stack up to the rest of the area, or even Texas as a whole? What rates can residents of Lancaster 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 Lancaster?

Area Average Monthly Car Insurance Premium
Lancaster$69
TX$65
United States$81

Car insurance policies across the rest of Texas are about $4 a month cheaper than the rates drivers pay in Lancaster.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Lancaster is rather affordable. You can expect to pay about $12 less for your policy in Lancaster than in the rest of United States.

While these are the average costs to insure your vehicle in Lancaster, keep in mind that you could end up paying a different amount. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rate for Lancaster residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$108
25-34$62
35-44$63
45-54Not Enough Data
55-64$55
65+$57

The longer you've been on the road, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $51 more than drivers of retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Once you hit retirement age, however, you may see your rates creep back up in Lancaster.

Average Car Insurance Rates by Gender

Gender Average
Male$70
Female$69

Car insurance rates for men are usually slightly more expensive than they are for women. In Lancaster, although women do pay a bit less on their monthly premiums, the cost is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$80
Multiple Accidents$100
1 Ticket$87
Multiple Tickets$119

One of the biggest factors in determining your car insurance rates is your driving record. Those with clean records will obviously pay a lot less than those with infractions. In Lancaster, a driving record with one accident will usually get you a rate around $80 a month. In addition, drivers with a single ticket on their record can expect to pay around $87 a month on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$75
2-3 Years$67
4-5 Years$63
6-7 Years$79
8-10 Years$75
11-14 Years$69
15 Years or Older$65

The most affordable vehicles to insure in Lancaster are by and large trucks and vans, which run about $65 per month.

Car owners can expect to pay an average of around $71 a month for their policy, while SUVs usually cost around $66 a month to insure.

Vehicle age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Lancaster, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$74
Married$55
Divorced$60
Widowed$53

Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.

The cost of auto insurance in Lancaster reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$59
Rent$70
Live with parents$102

Another factor that comes into play is your housing status. If you rent your home or apartment in Lancaster, expect to pay around $11 a month more than if you own property. But if you live with your parents, you can expect to pay a lot more.

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, TX

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.

Policy premiums in Lancaster have been mixed recently. They rose in 2017, decreased in 2019, and increased again in 2021, before finishing at $87 in 2022.

How does Lancaster compare to neighboring areas?

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

There are many 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:

  • Total amount of drivers in the community
  • Crime
  • Regional laws
  • General road safety (how many accidents each locality has)
  • Off-street parking access

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

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.

Fortunately, Compare.com can handle all of this for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering plans in Lancaster.

Compare the cheapest quotes from dozens of insurance companies

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?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

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?

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. 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?

Find your best rate in just a few minutes