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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Lancaster sits in northern Los Angeles County, about 44 miles north of Santa Clarita. Car insurance in Lancaster, CA, costs an average of $115 per month for liability-only coverage and $232 per month for full coverage. That’s cheaper than nearby Los Angeles but much more expensive than in Bakersfield.
Both Lancaster and Bakersfield have a major fire risk, but while 43% of Lancaster properties are at risk, only 23% of Bakersfield’s are. This could affect the cost of car insurance.[1]
USAA and Aspire General have the cheapest liability insurance in Lancaster, at $76 and $81 per month, respectively. That’s lower than the state average of $97 per month for liability insurance.
California requires all drivers to carry liability insurance with the following minimum requirements:[2]
$30,000 for bodily injury per person
$60,000 for bodily injury per accident
$15,000 for property damage
The following table shows the cheapest rates for liability-only car insurance in Lancaster.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $76 |
| Aspire General | $81 |
| GEICO | $82 |
| Sun Coast | $83 |
| Mercury | $86 |
| National General | $86 |
| Dairyland | $95 |
| Root | $101 |
| Direct Auto | $103 |
| Allstate | $106 |
| Farmers | $108 |
| Anchor | $112 |
| Bristol West | $118 |
| State Farm | $118 |
| Kemper Special | $122 |
| Travelers | $123 |
| 21st Century | $135 |
| Kemper Rsvp | $135 |
| First Acceptance | $181 |
| Chubb | $210 |
Liability quotes start at $76/mo.
With average monthly rates of $142 and $158, respectively, Aspire General and Root have the cheapest full-coverage car insurance in Lancaster.
Approximately 29% of drivers in Lancaster have a car loan, according to Insurify data, and many lenders require borrowers to have a full-coverage insurance policy with collision and comprehensive coverage.
The data below shows the lowest rates for full-coverage car insurance in Lancaster.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Aspire General | $142 |
| Root | $158 |
| Mercury | $165 |
| GEICO | $166 |
| USAA | $169 |
| Kemper Special | $186 |
| Kemper Rsvp | $189 |
| Sun Coast | $196 |
| Anchor | $208 |
| Dairyland | $225 |
| National General | $228 |
| Allstate | $234 |
| Farmers | $241 |
| Bristol West | $250 |
| Direct Auto | $250 |
| State Farm | $260 |
| Travelers | $274 |
| 21st Century | $297 |
| First Acceptance | $399 |
| Chubb | $463 |
The cheapest car insurance rates in California are in Santa Maria, where drivers pay an average of $111 per month. On the opposite end of the spectrum, Glendale drivers pay $263 per month, on average. Lancaster falls in the middle, with an average rate of $174 per month.
Lancaster’s average annual crime rate is 30.4 per 1,000 residents compared to 34.23 per 1,000 in Glendale.[3] The slightly lower risk of car theft and other crimes can decrease car insurance rates.
The table below shows the average monthly car insurance rates in other California cities.
City | Average Monthly Quote |
|---|---|
| San Luis Obispo | $103 |
| Lompoc | $105 |
| Chico | $107 |
| Hanford | $107 |
| Ridgecrest | $107 |
| Santa Cruz | $108 |
| Redding | $110 |
| Santa Maria | $111 |
| Woodland | $111 |
| Tulare | $115 |
| Visalia | $115 |
| Campbell | $116 |
| Poway | $116 |
| Palm Desert | $117 |
| Santee | $117 |
| Santa Barbara | $118 |
| La Mesa | $121 |
| La Quinta | $121 |
| Pacifica | $121 |
| Napa | $122 |
| Hollister | $123 |
| Cathedral City | $124 |
| Petaluma | $124 |
| Chula Vista | $125 |
| Santa Rosa | $125 |
| Brentwood | $126 |
| Dublin | $126 |
| San Marcos | $126 |
| Vista | $126 |
| Saratoga | $127 |
| Yuba City | $127 |
| Bakersfield | $128 |
| Fresno | $128 |
| Novato | $128 |
| San Diego | $128 |
| Temecula | $128 |
| Beaumont | $129 |
| San Clemente | $129 |
| Milpitas | $130 |
| Oceanside | $130 |
| Palm Springs | $130 |
| Lodi | $131 |
| Folsom | $132 |
| Hemet | $132 |
| Concord | $133 |
| Fremont | $133 |
| San Jose | $133 |
| San Ramon | $133 |
| Escondido | $134 |
| Lake Forest | $134 |
| Oxnard | $134 |
| Ceres | $135 |
| Palo Alto | $135 |
| West Sacramento | $135 |
| Camarillo | $136 |
| Fairfield | $136 |
| Redlands | $136 |
| Roseville | $136 |
| Aliso Viejo | $137 |
| Cupertino | $137 |
| National City | $137 |
| Menifee | $138 |
| Watsonville | $138 |
| El Cerrito | $139 |
| Elk Grove | $139 |
| Modesto | $139 |
| Santa Clara | $139 |
| Tracy | $139 |
| Citrus Heights | $140 |
| El Cajon | $140 |
| Laguna Niguel | $140 |
| Murrieta | $140 |
| Norco | $140 |
| Colton | $142 |
| Stockton | $142 |
| Wildomar | $143 |
| Placentia | $144 |
| San Mateo | $144 |
| Brea | $145 |
| Huntington Beach | $145 |
| Lathrop | $145 |
| Pittsburg | $145 |
| South San Francisco | $145 |
| Moreno Valley | $146 |
| Riverside | $146 |
| Thousand Oaks | $146 |
| Vallejo | $147 |
| Antioch | $148 |
| Chino | $148 |
| Hayward | $148 |
| Orange | $148 |
| Perris | $148 |
| Chino Hills | $149 |
| Corona | $149 |
| Cypress | $150 |
| Berkeley | $151 |
| San Leandro | $151 |
| Santa Ana | $151 |
| Newport Beach | $152 |
| Ontario | $152 |
| Irvine | $153 |
| Fountain Valley | $154 |
| Rialto | $154 |
| Sacramento | $154 |
| Hesperia | $155 |
| San Bernardino | $155 |
| Fontana | $157 |
| Garden Grove | $157 |
| Rancho Cucamonga | $157 |
| Victorville | $157 |
| La Mirada | $158 |
| Anaheim | $159 |
| San Pedro | $160 |
| Adelanto | $161 |
| Buena Park | $161 |
| Whittier | $162 |
| Azusa | $163 |
| Covina | $163 |
| La Puente | $163 |
| Simi Valley | $163 |
| Norwalk | $164 |
| Pomona | $165 |
| Torrance | $165 |
| Paramount | $166 |
| San Francisco | $166 |
| Diamond Bar | $167 |
| Long Beach | $168 |
| Oakland | $168 |
| Carson | $170 |
| Walnut | $172 |
| Cerritos | $174 |
| Lancaster | $174 |
| Richmond | $174 |
| Bell Gardens | $178 |
| Culver City | $179 |
| El Monte | $179 |
| Palmdale | $179 |
| Santa Clarita | $181 |
| Pasadena | $182 |
| Temple City | $184 |
| San Gabriel | $186 |
| Lynwood | $194 |
| Compton | $195 |
| Santa Monica | $197 |
| Inglewood | $200 |
| Burbank | $212 |
| Studio City | $217 |
| Los Angeles | $220 |
| Winnetka | $231 |
| Northridge | $240 |
| Reseda | $241 |
| West Hollywood | $246 |
| Glendale | $263 |
| Beverly Hills | $268 |
Lancaster is in northern Los Angeles County, the county with the highest car theft volume in the country. The High Desert city has a major wildfire risk, with 43% of properties at risk of wildfire within the next 30 years, according to First Street.
Certain nearby areas, like Quartz Hill and Palmdale, have a higher risk than others. Full-coverage car insurance can cover wildfire damage.
These factors can contribute to why car insurance is expensive in Lancaster.
*Quotes generated for Insurify users in and around Lancaster, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lancaster, California within the last 10 days. Last updated on August 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In California, driving infractions can add points to your record, increase your car insurance rates for many years, and classify you as a high-risk driver.[4] Here are some of the cheapest car insurance companies for Lancaster drivers based on driving history:
Cheapest car insurance for Lancaster drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Lancaster: USAA
Cheapest car insurance for Lancaster drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Lancaster: USAA
Just above 3% of drivers in Lancaster have a speeding ticket, according to Insurify data. The same data shows that around 4% have an at-fault accident and 0.73% have a DUI. Having one of these incidents on your record can increase your car insurance rates.
The City of Lancaster increased traffic enforcement in the first quarter of 2026 and saw a 22% decrease in collisions compared to the same period in 2025.[5] Higher enforcement of DUI, speeding, and distracted driving, combined with a lower collision rate, suggests Lancaster drivers are changing their behavior. If this trend continues, it could help lower rates for all drivers.
The following table shows the average monthly quotes in Lancaster for drivers with different types of records.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $174 |
| Speeding ticket | $221 |
| At-fault accident | $223 |
| DUI | $237 |
Lancaster is a popular destination for Southern Californians who want to escape the bustle of nearby Los Angeles. April can be a busy traffic month in Lancaster, with visitors flocking to Lancaster for the annual California Poppy Festival at the Antelope Valley California Poppy Reserve.
Lancaster is also home to two state parks — Saddleback Butte and Arthur B. Ripley Desert Woodland — that are popular with hikers and visitors wanting to see the native Joshua trees. Visitors can generate additional traffic in spring and fall, when desert temperatures are more tolerable.
California has the eighth-highest rate of uninsured drivers, with approximately 20% of motorists driving without insurance.[6] Driving carefully can help you avoid colliding with an uninsured driver, though it’s wise to carry uninsured motorist coverage just in case.
Lancaster is considered the gateway to California’s Central Valley region, which means roads can become congested. Certain highways, like Route 138 and Route 14, are prone to congestion as residents commute to work and school.
The average commute time in Lancaster is 31 minutes, according to U.S. Census Bureau data. That’s higher than the U.S. average of 27 minutes. More time on the road increases your risk of an accident, which can increase insurance rates.
In California, teens must be at least 15 and a half to apply for a learner’s permit. Once they get a license, they can’t drive between 11 p.m. and 5 a.m. for the first 12 months or have passengers younger than 20 in their cars.[7]
Teen drivers in Lancaster pay monthly averages of $205 for liability coverage and $414 for full coverage.
The following data shows the cheapest rates for teenage drivers in Lancaster.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $138 |
| Aspire General | $144 |
| GEICO | $147 |
| Sun Coast | $148 |
| Root | $150 |
| Mercury | $155 |
| Dairyland | $162 |
| National General | $168 |
| Direct Auto | $198 |
| Bristol West | $206 |
| Anchor | $212 |
| Farmers | $212 |
| Kemper Special | $218 |
| State Farm | $225 |
| 21st Century | $237 |
| Kemper Rsvp | $241 |
| Travelers | $251 |
| First Acceptance | $323 |
| Chubb | $424 |
Monthly rates start at $138 for Lancaster teens
USAA has the cheapest car insurance for senior drivers in Lancaster, with an average monthly quote of $63. Around 17% of Lancaster residents are aged 60 or older, according to U.S. Census Bureau data.
The table below shows the lowest rates for senior drivers in Lancaster.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $63 |
| GEICO | $67 |
| National General | $69 |
| Mercury | $70 |
| Aspire General | $74 |
| Sun Coast | $75 |
| Dairyland | $83 |
| Direct Auto | $87 |
| Farmers | $88 |
| Anchor | $92 |
| Root | $95 |
| State Farm | $95 |
| Bristol West | $101 |
| Travelers | $101 |
| 21st Century | $109 |
| Kemper Special | $111 |
| Kemper Rsvp | $123 |
| Chubb | $163 |
| First Acceptance | $164 |
Understanding the answers to some of the most common questions can help you find the best auto insurance quote for you in Lancaster, California.
The overall average cost of car insurance in Lancaster, CA, is $174 per month. The monthly average for liability insurance is $115, and the monthly average for full coverage is $232.
Aspire General has the cheapest full-coverage car insurance in Lancaster, with an average monthly rate of $142. USAA is the cheapest for liability-only coverage, at $76 per month.
The main factors that affect car insurance costs in Lancaster, CA, include your driving history, your age, your vehicle, your ZIP code, and the type and amount of auto coverage you choose. Local factors like traffic and wildfire risk also affect car insurance rates.
You can find the best car insurance in Lancaster by comparing quotes from multiple insurers. You can either use a quote-comparison tool, go through insurer websites, or speak with an agent. The California Automobile Insurance Comparison Tool can also act as a guide to finding the best coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
