Cheapest Car Insurance Quotes in Lancaster

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Lancaster Car Insurance

^$ 30

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lancaster

The car insurance rate in Lancaster is $1211 for a six-month policy, which is $47 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $519, making it a popular choice for budget-conscious drivers. Rates in Lancaster can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lancaster

$1211

Avg. Car Insurance in Missouri

$1164

National Average

$1278

Cheapest Car Insurance Companies in Lancaster

1st place: American Family

At $519 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $698 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $717 for six months, making it the third cheapest auto insurance company in Lancaster.

Lancaster Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lancaster, MO is American Family, offering policies at just $519 for a six-month term. This is followed by USAA, which has an average six-month premium of $698.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2959 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lancaster drivers find the best deals.

Cheap Car Insurance Companies in Lancaster, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$88
USAA	$698	$118
Travelers	$717	$121
Encompass	$977	$162
Shelter	$1007	$170
State Farm	$1099	$185
Electric	$1137	$193
Farm Bureau	$1168	$194
Missouri Farm Bureau	$1242	$211
Progressive	$1285	$216
Allstate	$1378	$232
Nationwide	$1557	$259
Farmers	$2959	$503

Key Takeaways

Way's key takeaways about car insurance in Lancaster

The auto insurance costs in Lancaster fall around $519 for six months.
The cheapest auto insurance company in Lancaster is USAA.
Teen drivers pay the highest rate in Lancaster at $1615 per month.

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Cheapest Minimum Liability Car Insurance in Lancaster

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lancaster are given below.

USAA provides the cheapest minimum car insurance coverage in Lancaster. Their Average 6 Month Premium is $179. Farmers is the most expensive at $1063 for the same period.

Cheapest Liability Coverage in Lancaster, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$179	$30
Missouri Farm Bureau	$198	$33
Electric	$254	$43
Travelers	$259	$44
Farm Bureau	$265	$45
American Family	$278	$47
Encompass	$290	$49
Progressive	$296	$50
Shelter	$364	$61
State Farm	$389	$66
Nationwide	$624	$104
Allstate	$649	$109
Farmers	$1063	$177

Cheapest Full Coverage Car Insurance in Lancaster

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lancaster is American Family at $88 per month and $519 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lancaster, MO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$519	$88
USAA	$698	$118
Travelers	$717	$121
Encompass	$977	$162
Shelter	$1007	$170
State Farm	$1099	$185
Electric	$1137	$193
Farm Bureau	$1168	$194
Missouri Farm Bureau	$1242	$211
Progressive	$1285	$216
Allstate	$1378	$232
Nationwide	$1557	$259
Farmers	$2959	$503

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Average Car Insurance in Lancaster by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lancaster, MO increasing?

Despite maintaining a clean driving record, your car insurance rates in Lancaster, Missouri, may be increasing due to several external factors. Missouri has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lancaster's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lancaster

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lancaster,MO

If you are planning to get a car insurance policy for your teenage dependent, Missouri Farm Bureau provides the cheapest car insurance in the Lancaster at $44 per month. At $9693 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$259	$44
American Family	$296	$50
Travelers	$1124	$189
USAA	$1137	$191
Progressive	$2168	$365
State Farm	$2236	$376
Shelter	$2496	$420
Farm Bureau	$3034	$516
Allstate	$3942	$664
Nationwide	$4751	$808
Farmers	$9693	$1615

Teen Car Insurance Rates in MO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lancaster, Kemper is the cheapest car insurance provider. At $475 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lancaster is Farmers, offering rates of around $6017 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$475	$81
American Family	$506	$84
Nationwide	$587	$100
Travelers	$945	$159
USAA	$1093	$186
Progressive	$1378	$232
Shelter	$1582	$266
Farm Bureau	$1965	$328
Allstate	$2305	$388
State Farm	$4170	$695
Farmers	$6017	$1023

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Car Insurance Rates with An Accident in Lancaster

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lancaster, MO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lancaster

The cheapest car insurance companies after an at-fault accident in Lancaster include Missouri Farm Bureau and Electric, offering $216 and $309, respectively. Farmers is an expensive provider with an average six-month premium of $4219.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$216	$36
Electric	$309	$53
American Family	$340	$56
Encompass	$395	$68
USAA	$563	$95
Travelers	$636	$107
Progressive	$933	$157
State Farm	$970	$163
Shelter	$1087	$183
Farm Bureau	$1507	$256
Nationwide	$2305	$384
Allstate	$2799	$471
Farmers	$4219	$703

Lancaster Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lancaster MO. For example, the car insurance in Lancaster after a DUI increases to $840 for a six month policy. While the rate increases by $290 for a six-month policy in the case of a speeding ticket.

Lancaster auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1662	$277
One Med/PIP claim	$1662	$283
Not-at-fault accident	$1711	$285
One comp claim	$1723	$293
Two Med/PIP claims	$1723	$287
Two comp claims	$1835	$312
Failure to wear a seat belt	$1884	$314
Failure to show documents	$1891	$321
Child safety restraint	$1921	$320
Driving without lights	$1921	$327
Driving with expired registration	$1933	$322
Cell phone violation	$1946	$331
Driving too slowly	$1946	$324
Following too closely	$1946	$331
Speeding in school zone	$1946	$324
Failure to yield	$1952	$332
Speeding 11 - 15 MPH over limit	$1952	$326
Speeding 16 - 20 MPH over limit	$1952	$332
Speeding 6 - 10 MPH over limit	$1952	$326
Texting while driving	$1952	$332
Illegal turn	$1958	$327
Wrong way/wrong lane	$1958	$333
Failure to stop at a red light	$1965	$328
Improper passing	$1965	$334
Speeding 21 - 25 MPH over limit	$1965	$328
In 65 MPH zone	$1977	$336
Passing school bus	$2013	$336
Open container	$2076	$353
Operating a vehicle without permission	$2125	$355
At-fault accident - less than $1000	$2298	$391
At-fault accident - $1000-$2000	$2427	$405
At-fault accident - greater than $2000	$2427	$413
Refusal to submit to a chemical test	$2459	$410
DUI	$2502	$425
Driving with a suspended license	$2557	$426
Racing	$2620	$445
Leaving scene of an accident/hit and run	$2656	$443
Reckless driving	$2687	$457

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lancaster after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lancaster.

The cheapest car insurance premiums in Lancaster are offered by Missouri Farm Bureau at $259 for a six-month policy. However, it can be as expensive as $5411 with companies like Farmers.

Lancaster car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Missouri Farm Bureau	$259	$44
American Family	$334	$55
Kemper	$414	$71
Travelers	$668	$112
USAA	$853	$144
Progressive	$895	$151
Shelter	$1211	$204
State Farm	$1316	$222
Farm Bureau	$1421	$241
Allstate	$2292	$386
Nationwide	$2872	$489
Farmers	$5411	$902

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lancaster are offered by American Family at $334. However, it can be as expensive as $3756 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lancaster after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$334	$57
Travelers	$692	$116
USAA	$717	$122
Shelter	$797	$134
State Farm	$853	$144
Progressive	$1038	$175
Farm Bureau	$1204	$205
Allstate	$2082	$347
Farmers	$3756	$639

Car Insurance Price Trends in Lancaster, Missouri

Car insurance rates in Lancaster have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lancaster rose by $232 in January compared to $135 of December. In other words, there has been an increase by $97 when you compare January and December.

The average cost of liability insurance in the Lancaster rose to $58 in January, compared to $50 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lancaster?

The car insurance in Lancaster is $30 per month, which is lower than the national average.

What is the cheapest car insurance in Lancaster?

The cheapest car insurance in Lancaster is $88 per month for full coverage.

How much is car insurance in Lancaster for teenagers?

Car insurance for teenagers costs $259 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lancaster?

The average cost of car insurance is $1164 for a six-month policy. It will cost around $204 per month to insure your car in Lancaster.

Is car insurance expensive in Lancaster?

Car insurance can be expensive in Lancaster if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lancaster can be affordable.

Cheapest Car Insurance Quotes in Lancaster

Why you can trust Way?

How Much Is Car Insurance in Lancaster

Avg. Car Insurance in Lancaster

Avg. Car Insurance in Missouri

National Average

Cheapest Car Insurance Companies in Lancaster

1st place: American Family

2nd place: USAA

3rd place: Travelers

Lancaster Car Insurance Rates by Company

Cheap Car Insurance Companies in Lancaster, MO

Way's key takeaways about car insurance in Lancaster

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lancaster

Cheapest Liability Coverage in Lancaster, MO

Cheapest Full Coverage Car Insurance in Lancaster

Cheapest Full Coverage Car Insurance Quotes in Lancaster, MO

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lancaster by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lancaster, MO increasing?

Car Insurance Premiums by Age in Lancaster

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lancaster,MO

If you are in your twenties N/A is the best choice for car insurance in Lancaster.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lancaster

Cheapest Car Insurance Companies after an At-Fault Accident in Lancaster

Lancaster Car Insurance Rates by Violation

Lancaster auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lancaster after a DUI

Lancaster car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lancaster after Speeding ticket

Car Insurance Price Trends in Lancaster, Missouri

Average Car Insurance Cost in Lancaster by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lancaster, MO

Car Insurance Rates by State in the USA (2025 Update)

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