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Cheap Auto Insurance Quotes in Lancaster, CA, for September 2022

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Anna Baluch

By: Anna Baluch

Edited by Danny Smith

Updated August 2, 2022

Quick Facts

  • The average cost of car insurance in Lancaster is $235 per month or $2,820 annually.
  • Car insurance in Lancaster is $21 less than the average cost of insurance in California.
  • The cheapest top car insurance provider in Lancaster on average is Travelers.

Car Insurance in Lancaster, CA

If you’re a driver in Lancaster, you probably know that car insurance is required. The good news is you don’t have to overpay for a policy. As long as you shop around and compare quotes from multiple companies, you can land a great deal and potentially save hundreds of dollars each year. Here is everything you need to know about cheap auto insurance in Lancaster.

Quotes by Top Companies

Travelers
$160
National General
$211
Progressive
$223
Bristol West
$262
Dairyland
$747

Cheapest Car Insurance in Lancaster, CA

What is the cheapest car insurance in Lancaster?

Travelers is the cheapest top car insurance provider on average in Lancaster, with rates starting at $160 per month. It’s still important to compare auto insurance rates, as everyone’s situation is unique.

When you explore both large and small car insurance companies in Lancaster, you’ll find that average monthly premiums have a wide range. This table shows the average monthly quotes of insurers in Lancaster. Your exact rate will likely vary based on your personal driving details, always make sure you take the time to compare rates before buying.

Insurance CompanyAverage Monthly Quote
Travelers$160
National General$211
Progressive$223
Bristol West$262
Dairyland$747
Mile Auto$111
Metromile$112
Freedom National$132
Bluefire$134
Anchor$140
Clearcover$147
21st Century$156
Mercury$162
Aspire General$162
Sun Coast$178
SafeAuto$189
Safeco$194
Workmen's$205
Kemper$232
Infinity$281
MAPFRE$338
Stillwater$531
Pronto$536
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

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Minimum Car Insurance Requirements in California

Every state has its own, unique laws regarding the minimum insurance coverages required for its drivers. California drivers must carry both bodily injury and property damage coverage[1]. Read more on California’s minimum car insurance requirements.

Lancaster Car Insurance Rates by Driving and Accident History

Your driving record and accident history will play a major role in what you pay for your auto insurance[2]. A clean record will lead to the lowest rates, while traffic violations like speeding tickets, at-fault accidents, and DUIs will increase your premiums. Here’s a closer look at how driving and accident history impacts the average monthly cost of auto insurance in Lancaster.

Driver HistoryAverage Monthly Cost
Clean Record$197
Speeding Ticket$264
At-Fault Accident$288
DUI$392
Disclaimer: actual quotes may vary based on the policyholder's unique driver profile.

Lancaster Car Insurance Rates by Credit Tier

Just like lenders pull your credit score to determine what interest rates to offer you for a loan, some car insurance providers will look at your credit to figure out what premiums to charge you for a policy. However, in California, this practice is illegal, so insurers have to rely on other factors such as driving history and location[3].

How to Get the Cheapest Car Insurance in Lancaster

If your goal is to land the cheapest car insurance rates, you’ll likely have to do some comparison-shopping. You can work with a broker or visit the websites of various car insurance companies to request rates. Or you can simplify the process with Insurify. Once you fill out a short online form, the tool will provide you with personalized car insurance quotes in minutes.

With Insurify, you can take the time and hassle out of car insurance shopping and find the cheapest policy for your unique situation. Best of all, there are no fees or sign-ups involved. Drivers should also certainly take advantage of discounts like those offered for bundling auto insurance with renters insurance or home insurance.

Frequently Asked Questions

  • To lock in cheap car insurance in Lancaster, you’ll need to explore coverage options and rates from different insurers. You can do this on your own or get some help from Insurify. Insurify will show you personalized car insurance quotes in minutes for free. It’s the easiest way to find the cheapest coverage.

  • Car insurance in Lancaster may run you anywhere from $111 to $747 per month. Factors like your age, marital status, credit score, and driving history will impact your exact premiums. If you’re an experienced driver with good credit and a track record of responsible driving, you’ll pay less than a young driver with a history of speeding tickets and at-fault accidents.

  • Sometimes, car insurance premiums in Lancaster increase for reasons that are out of your control. If the crime rate in the area goes up, for example, your rates will likely go up as well. An extreme weather event, like a snowstorm or hailstorm that leads to many claims, can also cause the cost of your auto insurance policy to rise.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Anna Baluch
Anna Baluch
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Insurance Writer

Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.

Learn More

Sources

  1. California Department of Motor Vehicles. "State Minimum Car Insurance Requirements." Accessed July 12, 2022
  2. The Online Traffic School, Inc. - California. "How California Traffic Tickets Affect Auto Insurance?." Accessed July 22, 2022
  3. The Pew Charitable Trusts. "Some States Take Aim at 'Discriminatory' Auto Insurance Pricing." Accessed July 22, 2022