Lancaster, CA Car Insurance

What is the average cost of car insurance in Lancaster?


The typical Lancaster driver pays $2,045 per year for auto insurance. That's pricier than the average across California ($1,868) and more costly than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Lancaster.


LANCASTER AUTO INSURANCE PREMIUMS
Lancaster Average (yearly)California AverageUnited States Average
$2,045$1,868$1,548

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Lancaster car insurance rates by provider


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, GEICO provides Lancaster's cheapest rates. See below the best companies for cheap auto insurance in Lancaster — but don't forget to get personalized car insurance quotes to match your driving profile.


LANCASTER CAR INSURANCE PREMIUMS BY COMPANY
InsurerAverage Rate (annual)
GEICO$1,407
Mercury$1,533
AAA$1,760
Infinity$1,949
Alliance$2,229

Check out our guide to learn how to find the best cheap car insurance.



Auto insurance premiums by age in Lancaster

Lancaster drivers in their age_60s pay relatively affordable car insurance rates just $1,830each year, on average. Drivers in their age_50s pay marginally higher rates — $1,838 per year.

Teenage drivers pay Lancaster's most expensive insurance rates. When drivers hit their 20s in Lancaster and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Lancaster is $4,568, the largest such difference between any two age groups.


CAR INSURANCE RATES BY AGE TIER IN LANCASTER
AgeAverage Yearly Rate
Teenagers$7,599
20s$3,031
30s$1,989
40s$1,927
50s$1,838
60s$1,830
70s$2,126

Learn more about how age influences auto insurance rates.



Lancaster car insurance rates by marital status and gender


In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Lancaster pay $83 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Lancaster, widowed drivers pay less than those who are single.

Gender is another factor that can affect auto insurance rates. In Lancaster, female drivers pay $4 per year more than do male drivers for car insurance.


LANCASTER AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$2,049
Male$2,045
Single$1,962
Married$1,962
Divorced$2,045
Widowed$1,990

Learn more about how gender and marital status have on auto insurance rates.



Lancaster car insurance costs by accident and violation history


Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Lancaster drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $3,473 per year versus the city average. A ticket for speeding results in an $837 rate hike, on average, while a DUI violation costs $3,371per year in insurance premiums.


LANCASTER CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DUI/DWI$5,416
Reckless Driving$5,518
At-fault Accident (damages less than $1,000)$2,053
At-fault Accident (damages greater than $2,000)$3,596
Speeding Ticket (16-20 mph over speed limit)$2,882

Learn more about how citations can raise your auto insurance rates.



Lancaster auto insurance rates by credit tier


In many cases, a driver's credit level is closely correlated with their auto insurance rates. Lancaster drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Lancaster, improving your credit to "Fair" could help you earn a $0 decrease in annual car insurance rates.


LANCASTER CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Rate (annual)
Very Poor$2,045
Fair$2,045
Good$2,045
Very Good$2,045
Exceptional$2,045

Get additional information on how credit impacts car insurance costs.



Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has been a contributor to numerous publications focused on the nuances of insurance, including BestCompany.com.