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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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 Average (yearly) California Average United States Average
$2,045 $1,868 $1,548
Jump to Lancaster car insurance premiums by:



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.

Insurer Average 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 60s pay relatively affordable car insurance rates just $1,830 each year, on average. Drivers in their 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.

Age Average 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.

Marital Status/Gender Average 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 insurance rates, as auto 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.

Incident Average 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.


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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.