Cheapest Car Insurance Quotes in Lancaster

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Lancaster Car Insurance

^$ 51

/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 $1246 for a six-month policy, which is $199 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $791, 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

$1246

Avg. Car Insurance in Texas

$1047

National Average

$1140

Cheapest Car Insurance Companies in Lancaster

1st place: Texas Farm Bureau

At $791 for a six month policy, Texas Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: Mercury

Mercury offers auto insurance rates at $940 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $969 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, TX is Texas Farm Bureau, offering policies at just $791 for a six-month term. This is followed by Mercury, which has an average six-month premium of $940.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1351 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, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$791	$133
Mercury	$940	$159
State Farm	$969	$163
AAA Texas	$983	$167
USAA	$1082	$182
Redpoint Insurance	$1159	$198
Progressive	$1336	$225
Southern County Mutual	$1534	$261
Allstate	$1824	$307
Farmers	$2919	$496
Redpoint County Mutual	$1138	$194
Geico County Mutual	$1272	$217
Germania	$509	$84
AAA	$890	$149
National General	$1351	$225

Key Takeaways

Way's key takeaways about car insurance in Lancaster

The auto insurance costs in Lancaster fall around $791 for six months.
The cheapest auto insurance company in Lancaster is Texas Farm Bureau.
Teen drivers pay the highest rate in Lancaster at $87 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.

Texas Farm Bureau provides the cheapest minimum car insurance coverage in Lancaster. Their Average 6 Month Premium is $303. Germania is the most expensive at $509 for the same period.

Cheapest Liability Coverage in Lancaster, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$303	$51
USAA	$339	$57
Progressive	$353	$60
State Farm	$361	$61
Redpoint Insurance	$396	$65
Mercury	$459	$77
AAA Texas	$509	$84
Allstate	$700	$118
Farmers	$1152	$192
Redpoint County Mutual	$382	$63
Geico County Mutual	$396	$68
National General	$438	$73
Germania	$509	$87

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 Texas Farm Bureau at $133 per month and $791 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lancaster, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$791	$133
Mercury	$940	$159
State Farm	$969	$163
AAA Texas	$983	$167
USAA	$1082	$182
Redpoint Insurance	$1159	$198
Progressive	$1336	$225
Southern County Mutual	$1534	$261
Allstate	$1824	$307
Farmers	$2919	$496
Redpoint County Mutual	$1138	$194
Geico County Mutual	$1272	$217
Germania	$509	$84
AAA	$890	$149
National General	$1351	$225

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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, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Lancaster, Texas, may be increasing due to several external factors. Texas 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$832
40s	Nationwide	$826
50s	Texas Farm Bureau	$737
60s	Texas Farm Bureau	$681
70s	Texas Farm Bureau	$731

Cheapest Car Insurance Rates for Teen Drivers in Lancaster,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Lancaster at $67 per month. At $524 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$403	$67
Southern County Mutual	$524	$89
Mercury	$565	$94
AAA Texas	$644	$109
Texas Farm Bureau	$1407	$237
USAA	$1534	$258
State Farm	$1591	$268
Allstate	$3994	$672
Progressive	$6814	$1147
Farmers	$9528	$1620
Redpoint County Mutual	$389	$67
Geico County Mutual	$524	$87

Teen Car Insurance Rates in TX by Age

Way Tip

If you are in your twenties Texas Farm Bureau is the best choice for car insurance in Lancaster.

As young drivers face the highest rates in Lancaster, Texas Farm Bureau offers the cheapest auto insurance rates at $832 for six months.

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, Mercury is the cheapest car insurance provider. At $615 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 State Farm, offering rates of around $5337 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$615	$105
Foremost	$735	$123
AAA Texas	$784	$133
Dairyland	$912	$152
Allstate	$1195	$203
USAA	$1223	$203
Texas Farm Bureau	$1378	$234
Progressive	$1909	$321
Farmers	$4835	$822
State Farm	$5337	$889

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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, TX, 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 Redpoint Insurance and Southern County Mutual, offering $403 and $488, respectively. National General is an expensive provider with an average six-month premium of $685.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$403	$67
Southern County Mutual	$488	$83
State Farm	$750	$126
AAA Texas	$757	$129
Mercury	$919	$154
USAA	$1123	$189
Texas Farm Bureau	$1244	$209
Progressive	$2311	$389
Allstate	$2601	$438
Farmers	$8023	$1364
Redpoint County Mutual	$389	$64
Geico County Mutual	$488	$83
National General	$685	$117

Lancaster Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lancaster TX. For example, the car insurance in Lancaster after a DUI increases to $933 for a six month policy. While the rate increases by $219 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	$1527	$255
One Med/PIP claim	$1541	$262
One comp claim	$1618	$270
Not-at-fault accident	$1633	$277
Two Med/PIP claims	$1640	$274
Failure to show documents	$1697	$288
Driving with expired registration	$1710	$286
Two comp claims	$1724	$293
Cell phone violation	$1739	$290
Driving without lights	$1739	$295
Texting while driving	$1739	$290
Driving too slowly	$1746	$296
Speeding 11 - 15 MPH over limit	$1746	$292
Speeding 16 - 20 MPH over limit	$1746	$296
Speeding 6 - 10 MPH over limit	$1746	$292
Speeding in school zone	$1746	$296
Child safety restraint	$1753	$293
Failure to wear a seat belt	$1753	$298
In 65 MPH zone	$1760	$294
Failure to stop at a red light	$1767	$301
Failure to yield	$1767	$295
Following too closely	$1767	$301
Illegal turn	$1767	$295
Improper passing	$1767	$301
Speeding 21 - 25 MPH over limit	$1767	$295
Passing school bus	$1774	$302
Wrong way/wrong lane	$1774	$295
Operating a vehicle without permission	$1781	$303
At-fault accident - less than $1000	$1852	$308
Open container	$2085	$355
Driving with a suspended license	$2163	$361
Racing	$2291	$389
Reckless driving	$2291	$382
Leaving scene of an accident/hit and run	$2347	$399
At-fault accident - $1000-$2000	$2354	$393
Refusal to submit to a chemical test	$2424	$412
DUI	$2460	$411
At-fault accident - greater than $2000	$2559	$436

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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 Mercury at $608 for a six-month policy. However, it can be as expensive as $3683 with companies like Farmers.

Lancaster car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$608	$101
Foremost	$685	$117
Dairyland	$750	$125
AAA Texas	$791	$134
State Farm	$990	$167
Texas Farm Bureau	$1173	$200
Progressive	$1484	$250
USAA	$1520	$256
Allstate	$1937	$326
Nationwide	$2000	$340
Farmers	$3683	$614

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 State Farm at $551. However, it can be as expensive as $4008 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
State Farm	$551	$93
Texas Farm Bureau	$608	$104
Mercury	$630	$105
AAA Texas	$671	$114
USAA	$884	$148
Allstate	$1195	$203
Progressive	$2058	$343
Farmers	$4008	$682

Car Insurance Price Trends in Lancaster, Texas

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 remained steady at $246 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lancaster rose to $76 in December, compared to $74 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lancaster?

The car insurance in Lancaster is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Lancaster?

The cheapest car insurance in Lancaster is $133 per month for full coverage.

How much is car insurance in Lancaster for teenagers?

Car insurance for teenagers costs $403 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 $1047 for a six-month policy. It will cost around $211 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 Texas

National Average

Cheapest Car Insurance Companies in Lancaster

1st place: Texas Farm Bureau

2nd place: Mercury

3rd place: State Farm

Lancaster Car Insurance Rates by Company

Cheap Car Insurance Companies in Lancaster, TX

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, TX

Cheapest Full Coverage Car Insurance in Lancaster

Cheapest Full Coverage Car Insurance Quotes in Lancaster, TX

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, TX 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,TX

If you are in your twenties Texas Farm Bureau 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, Texas

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, TX

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

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