Lancaster Car Insurance

The Zebra
May 30, 2018

Car Insurance in Lancaster

On average, premiums in California surpass the national average by $286. Premiums run even higher in the city, so in Lancaster, it is vital to save while insuring a vehicle. Keep some money in your pocket by following the tips below about how to save on car insurance in Lancaster.

  • City Average: $1,870
  • State Average: $1,713
  • National Average: $1,427

Lancaster Car Insurance by Gender and Marital Status

There are a variety of factors, including marital status and gender, that can play a part in car insurance premiums in Lancaster. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being single can cost you close to $80 more per year compared to being married. The amount by which men's and women's car insurance premiums vary is minimal.

  • Female: $1,875
  • Male: $1,870
  • Single: $1,870
  • Married: $1,794
  • Divorced: $1,870
  • Widowed: $1,801

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Lancaster Car Insurance by Accident or Violation History

Being knowledgable about which driving mishaps can make the price of rates spike will help you make better decisions and save money. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,434 is the additional cost per year for drivers with a DUI or reckless driving charge in Lancaster, compared to the city average of $1,870. If you are found at-fault in an accident in Lancaster, you can expect your annual car insurance payments to rise by 57%.

  • DUI: $5,304
  • Reckless Driving: $5,304
  • At-fault Accident (damages less than $1000): $2,929
  • At-fault Accident (damages greater than $2000): $2,929
  • Speeding Ticket (16-20 mph over speed limit): $2,542

Lancaster Car Insurance by Age

Among all age groups, drivers in their 60s have the smallest premiums, with rates of $1,605/year. Those in their 50s ($1,649) also have relatively low premiums. Lancaster drivers see the largest decrease in premiums when they hit their 20s, as they save an average of $4,295 from moving out of the teenage age bracket. Insurance rates continue to trend downward up until drivers turn 70. With rates of $7,041 on average, teenage drivers are the ones who pay the most in car insurance premiums.

  • Teenagers: $7,041
  • 20s: $2,746
  • 30s: $1,836
  • 40s: $1,781
  • 50s: $1,649
  • 60s: $1,605
  • 70s: $1,788

* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance.