Get Cheap Car Insurance in Lancaster TX

  1. Residents of Lancaster Can Save Up To $580 by Comparing Multiple Insurance Quotes

See How Much You Can Save in Lancaster


What's the Cost of Car Insurance in Lancaster?

We have been able to help several drivers in Lancaster TX locate the cheapest auto insurance rates thanks to the thousands of local quotes we have collected and analyzed. We determined that in Lancaster Texas, the annual rates had a difference of up to $581. Specifically, this means that the cheapest price was $1222 and the most expensive was $1803.

Several factors all come together to influence what your final insurance premium will be. Each one is valued differently and will therefore impact your final rates in either smaller ways or bigger ones. This is why shopping around and comparing a minimum of three or more insurers in your area of Lancaster is important in getting the cheapest car insurance rates.

Lowest Average Highest
$1222 $1453 $1803

Insurance Prices: Lancaster vs. National/State Averages

Lancaster has low-cost car insurance premiums that are below the state's average. It costs $92 less per year than Texas's average. While this may come as a relief, it isn't a reason to become complacent. Taking advantage of lower costs is still an important practice even in Lancaster. You can go over some of our tips below to improve your savings.

City Average State Average National Average
$1453 $1545 $1479

Lancaster TX Average Car Insurance Savings by Neighborhood

If you're thinking about moving then you may want to keep the following in mind. Changing zip codes can actually have a noticeable impact on your car insurance. We have looked at the cost of insurance in various neighborhoods of Lancaster to give you a sense of where you can find the lowest costs.

The difference was -$193 between the cheapest neighborhood in Lancaster TX with a rate of $1260 on average and a +$697 difference between the priciest area in Lancaster TX with an average price of $2150.

# Neighborhood Average Rate
  Lancaster $1453
1 University Park +$697
2 Balch Springs -$3
3 Cedar Hill -$23
4 Carrollton -$46
5 Farmers Branch -$70
6 Desoto -$73
7 Richardson -$74
8 Sachse -$74
9 Euless -$182
10 Murphy -$193

Let's go over some ways to save on car insurance in Lancaster

Lancaster Car Insurance Rates by Gender and Marital Status

Your gender and your marital status are two of the several characteristics that have an influence on your car insurance rates in Lancaster. This is simply due to the fact that insurance is based off of liability and risk. People who are single and/or are male are considered bigger risk factors because they are the groups more likely to either get into accidents or commit felonies. As a result, being single can cost up to $80 more per year compared to being married, and being a man can typically cost up to $480 more per year in Lancaster TX as opposed to being a woman.

Lancaster Teenagers Car Insurance Rates

Younger and inexperienced drivers pay the most in car insurance rates by far, and Lancaster TX is no exception to that rule. Due to the risk associated with drivers lacking experience, teenagers tend to pay $3022 a year for insurance on average. This is far higher than the state average of $1545, and $1569 higher than Lancaster' average. When gender is taken into account the difference between male and female teens in Lancaster TX is $537.

The effect of DUIs on insurance premiums in Lancaster TX

Having a criminal record can have a very negative impact on your insurance. For example, if you are caught driving under the influence in Lancaster then your car insurance premium will increase much more than for other violations. Being convicted of an alcohol-related offense can increase your insurance costs from $1453 all the way up to $2702. That means that on average the cost for conviction in Lancaster TX can be an increase of $1249.

DUI City Average
$2702 $1453

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Find Local Lancaster Agents

Peakes Insurance Agency Inc.

568 W Lancaster Blvd Lancaster CA 93534 United States

Lancaster Insurance Services Inc

42220 10th St W #107 Lancaster CA 93534 United States

Farmers Insurance: Keith Thomas

43943 Sierra Hwy Lancaster CA 93534 United States

Lancaster in Brief

  • $1453

    the average Lancaster resident's annual cost of coverage

  • $580

    our customer's average savings after comparing insurance

  • 30/60/25

    minimum insurance requirements in Lancaster TX

Area We Serve


Lancaster Map

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