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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 Average||United States Average|
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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
|Insurer||Average Rate (annual)|
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.
CAR INSURANCE RATES BY AGE TIER IN LANCASTER
|Age||Average Yearly Rate|
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/Gender||Average Yearly Rate|
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.
LANCASTER CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|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|
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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 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.