Cheapest Car Insurance In Lancaster, CA 2024
In Lancaster, the lowest price for minimum car insurance is from GEICO, averaging $45 monthly.
We’ve saved shoppers an average of $600 per year on their car insurance.
Car insurance rates in Lancaster, CA, can vary significantly when you’re searching for the lowest prices.
For budget-friendly liability-only policies, GEICO takes the lead. Full coverage seekers should check out Progressive, and young drivers also benefit most from Progressive.
Cheapest Car Insurance Companies In Lancaster, CA
Cheapest Liability-only Car Insurance In Lancaster: GEICO
If you’re in Lancaster, GEICO is the cheapest choice for minimum car insurance, averaging $45 per month.
Use the following table to evaluate and compare rates from different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $45 | $535 |
| Kemper | $55 | $660 |
| State Farm | $58 | $698 |
| Nationwide | $65 | $784 |
| Allstate | $67 | $805 |
Cheapest Full Coverage Insurance Rates In Lancaster: Progressive
At $113 per month on average, Progressive is the cheapest provider of full coverage car insurance in Lancaster.
The following table outlines average car insurance quotes from affordable companies in Lancaster.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $113 | $1,352 |
| Mercury | $121 | $1,448 |
| CIG | $133 | $1,590 |
| State Farm | $144 | $1,731 |
| Allstate | $123 | $1,470 |
Cheapest Car Insurance Rates For Seniors: GEICO
Seniors in Lancaster will find GEICO’s car insurance rates to be the cheapest, averaging $108 per month.
Seniors can review average quotes from affordable auto insurers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $108 | $1,293 |
| Allstate | $116 | $1,392 |
| Nationwide | $141 | $1,694 |
| State Farm | $113 | $1,351 |
| Kemper | $171 | $2,054 |
Cheapest Rates In Lancaster For Teenagers: State Farm
At $275 per month on average, State Farm delivers the cheapest car insurance for teens in Lancaster.
The following table compares insurance companies offering the lowest rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $275 | $3,299 |
| Allstate | $299 | $3,590 |
| GEICO | $288 | $3,460 |
| Travelers | $347 | $4,165 |
| Kemper | $435 | $5,218 |
Cheapest Auto Insurance For Young Adults in Lancaster: Progressive
At $127 per month on average, Progressive provides the cheapest car insurance for young adults in Lancaster.
This table compares the lowest car insurance rates available for young adults in Lancaster.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $127 | $1,519 |
| Mercury | $156 | $1,870 |
| Allstate | $135 | $1,619 |
| Kemper | $212 | $2,540 |
| State Farm | $168 | $2,018 |
Cheapest Car Insurance In Lancaster For Good Drivers: GEICO
Good drivers in Lancaster can get affordable car insurance from GEICO, with monthly premiums of approximately $45.
The table below displays average quotes from the most affordable insurers for safe drivers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| GEICO | $45 | $535 |
| AAA | $56 | $670 |
| State Farm | $58 | $698 |
| Nationwide | $65 | $784 |
| Allstate | $67 | $805 |
Find affordable Lancaster rates
Cheapest Car Insurance In Lancaster After A Speeding Ticket: CIG
For Lancaster drivers who have received a speeding ticket, CIG offers some of the cheapest rates, averaging $153 per month.
Find the average rates for drivers with a speeding violation in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| CIG | $153 | $1,834 |
| Mercury | $158 | $1,894 |
| State Farm | $214 | $2,570 |
| Allstate | $178 | $2,137 |
| Nationwide | $264 | $3,170 |
Cheapest For Drivers With After At-Fault Accident: CIG
With an average monthly rate of $155, CIG is the cheapest car insurance option for at-fault drivers.
Drivers with an at-fault accident can find the most affordable rates with the insurance companies listed here.
| Provider | Average Monthly Cost | Average Annual Cost |
| CIG | $155 | $1,860 |
| GEICO | $196 | $2,350 |
| Mercury | $212 | $2,544 |
| State Farm | $223 | $2,680 |
| Allstate | $220 | $2,635 |
Cheapest Rates In Lancaster For Drivers After A DUI: Mercury
Lancaster drivers with a DUI can find the cheapest insurance from Mercury, with average premiums of $197 a month.
The table below provides the cheapest car insurance quotes for Lancaster drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $197 | $2,368 |
| Kemper | $308 | $3,694 |
| Farmers | $338 | $4,057 |
| State Farm | $441 | $5,290 |
| Allstate | $390 | $4,680 |
Best Car Insurance Companies In Lancaster
For affordable insurance in Lancaster, GEICO is the best option at $45 a month, but Progressive at $48 and Kemper at $55 are also competitive.
Here are the top 10 car insurance companies in Lancaster, CA, ranked by affordability based on their average monthly rates.
| Company | Monthly Premium |
| GEICO | $45 |
| Progressive | $48 |
| Kemper | $55 |
| State Farm | $58 |
| Nationwide | $65 |
| Allstate | $67 |
| Mercury | $51 |
| Farmers | $64 |
| AAA | $58 |
| Chubb | $76 |
Average Auto Insurance Rates In Lancaster – By Age
Insurance premiums are influenced by age, with teenagers paying as much as $7,580 annually due to their limited driving experience and greater statistical risk of accidents.
Drivers who maintain a clean record often see their rates drop once they reach the age of 25.
The best insurance rates often go to drivers in their 50s and early 60s, with age helping insurers evaluate experience and potential risk.
| Age | Average Yearly Rate |
| Teenagers | $7,580 |
| 20s | $3,040 |
| 30s | $1,992 |
| 40s | $1,937 |
| 50s | $1,846 |
| 60s | $1,840 |
| 70s | $2,130 |
Average Cost Of Auto Insurance In Lancaster – By Zip Code
Your zip code influences your car insurance costs, as it helps insurers gauge the crime rate in your neighborhood.
Below is a table showing average car insurance premiums for each zip code in Lancaster.
| Zip Code | Average Monthly Rate |
| 93535 | $154 |
| 91387 | $260 |
| 93584 | $120 |
| 93534 | $158 |
| 93536 | $146 |
Average Rates In Lancaster – By Vehicle
The type of car you own, including its make, model, year, and body type, impacts your insurance costs. Luxury models with modern technology and high repair expenses typically result in increased premiums.
The table below shows Lancaster’s average car insurance rates based on different vehicle types.
| Vehicle | Average Monthly Rate |
| Ford Fiesta | $121 |
| Nissan Altima | $152 |
| Toyota Camry | $188 |
| Jeep Grand Cherokee | $115 |
| Chevrolet Silverado | $175 |
How Much Is Car Insurance In Other Cities In California?
Living in a city can cause higher car insurance premiums due to increased risks of accidents, theft, and vandalism, which are more prevalent in urban areas.
For comparison, car insurance in Lynwood typically costs $160 per month, while in San Diego, drivers pay an average of $126 per month.
| City | Average Monthly Rate |
| Redlands | $143 |
| San Diego | $126 |
| Danville | $125 |
| Santa Ana | $147 |
| Fresno | $132 |
| Lynwood | $160 |
| Cerritos | $147 |
| Palo Alto | $132 |
| Bakersfield | $132 |
| Anderson | $123 |
Find affordable Lancaster rates
Our Methodology
Drawing from an in-depth analysis of customer service, product options, pricing, and online user reviews, I’ve created a thorough overview of car insurance providers in Lancaster, CA.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Who has the lowest car insurance rates in Lancaster?
In Lancaster, GEICO offers the most economical rates for minimum coverage, while Progressive offers the best prices for full coverage, which includes both comprehensive and collision protection.
What is the average cost of car insurance in Lancaster?
Lancaster drivers can expect to pay an average of $160 per month for car insurance, but rates may vary depending on factors like zip code, car year and model, and driving record.
