Cheap Car Insurance in Lancaster, CA
Everything You Need to Know About Auto Insurance in California
Located roughly 70 miles from downtown Los Angeles, Lancaster is known for its strong aerospace and aviation tradition. It is home to Edwards Air Force Base, one of the foremost research institutions on aviation technology. It is also widely revered for its high desert climate and is the home of the California Poppy Reserve, which has one of the most impressive collections of poppies in the country.
If you want to drive in Lancaster, CA, you must have an active auto insurance policy. Failure to show proof of insurance to law enforcement personnel at a traffic stop will result in an immediate suspension of the driver’s license/registration and fines (until it is provided), which are very steep, even for first-time offenders.
Keep reading to learn more about car insurance in California, including what an at-fault state is, average rates paid by zip code in the region, and how Lancaster residents can save on their next policy.
How Much Does Car Insurance Cost in Lancaster, CA?
Lancaster residents pay an average monthly liability-only premium of $90 and an average full coverage premium of $150. Nationally, the average for a liability-only policy is $68, while the average for a full-coverage policy is $168.
What Does it Mean if California Is At-Fault?
California is an at-fault state, which means a driver determined to be responsible for an at-fault accident is responsible for covering all damages and losses incurred by third parties.
To determine who is at fault in California, insurance companies consider the following:
- Police Reports. Law enforcement officers who arrive at the scene write police reports, including citations issued and statements from all those involved in the accident.
- Accident Reconstruction. One of the innovative ways auto insurance companies determine who is at fault is by deploying accident reconstruction specialists who try to recreate the accident scene as much as possible, helping everyone understand how and why the accident occurred.
- Witness Statements. Witness statements can provide a first-hand account of everything that transpired, including who third parties think may be ultimately responsible for an accident.
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Affordable Car Insurance Rates Comparison by Cities in California
To learn the average monthly premiums paid by cities throughout the state of California, refer to our breakdown below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Lancaster | $150 | $90 |
| Long Beach | $150 | $60 |
| Los Angeles | $190 | $60 |
| Oakland | $160 | $60 |
| San Francisco | $160 | $60 |
Affordable Lancaster Car Insurance Rates by Zip Code
Every zip code in Lancaster and surrounding areas may pay different premiums thanks to a higher or lower claims rate, vandalism rate, and frequency of other scenarios that increase or decrease coverage risk in the region.
For the average monthly premium paid by Lancaster residents by zip code, see our breakdown below:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 90210 | $210 | $90 |
| 90262 | $180 | $60 |
| 91387 | $260 | $60 |
| 93534 | $150 | $60 |
| 93535 | $150 | $60 |
| 93536 | $160 | $60 |
Low-Cost Car Insurance Rates by Age in Lancaster
Younger drivers pay higher premiums than other drivers. Reasons for this include a heavier reliance on sportier or high-performance vehicles, lack of a driving record, and overall riskier driving behaviors that providers frown upon.
For the average monthly premium paid by Lancaster residents by age, see our breakdown below:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $300 | $240 |
| 20s | $200 | $100 |
| 30s | $140 | $80 |
| 40s | $140 | $80 |
| 50s | $120 | $80 |
| 60s | $130 | $80 |
| 70s | $150 | $100 |
* Methodology: The following demographic profile was used to determine average monthly premiums for this guide: a 30-year-old male with the minimum liability limits required by California state drivers.
Driving Conditions in Lancaster
How Many Fatal Accidents Happen in Lancaster?
In 2021, there were eight fatal road traffic accidents in Lancaster involving a total of 11 vehicles and 16 people, resulting in eight fatalities.
How Are the Road Infrastructure and Bridges in Lancaster?
Lancaster’s Public Works department consists of many departments focused on maintaining all of the city’s roads and infrastructure, with the primary responsibility falling under its Traffic Engineering Division. They are responsible for maintaining all traffic control signals and more than 300 regional roadways.
For more information on Lancaster’s Public Works programs, visit The City of Lancaster – Department of Public Works.
Minimum Car Insurance Requirements in Lancaster
Here are the liability-only requirements for all California drivers:
- Bodily Injury or Death for One Person: $15,000
- Bodily Injury or Death for Multiple People: $30,000
- Property Damage Per Accident: $5,000
What Are the Penalties for Driving Without Insurance in Lancaster, CA?
Penalties for driving without a policy in Lancaster are steep and severe, carrying the following fines and punishments:
- Minimum fine of $300
- 3-month driver’s license and registration suspension
- $79 restoration fee
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Factors Allowed in Lancaster Car Insurance Rates
To determine how much you pay in premiums, providers use the following factors (not an all-inclusive list):
- Driving record
- Vehicle make and model
- Zip code of residence
- Deductible and coverage levels
- Age and gender
Of these, your driving record makes the biggest difference. Drivers with a history of accidents or violations will pay much higher premiums than those with clean driving records.
Here’s What You Need to Know When Driving in California
Before driving in California, be mindful of the following laws and regulations:
- Speed Limits. All California drivers must honor speed limits across all its roadways. Remember, work zones require slower speed limits (up to 25 mph), whereas highways are naturally higher. Be prepared to slow down whenever needed.
- Wear Your Seat Belt. All drivers in California must wear seat belts, including passengers under seven years old, with the appropriate restraint systems.
- Cell Phone Use. California drivers are prohibited from driving and texting. The only time it is permissible is during emergencies.
Be well-versed in California’s driving laws to minimize your chances of filing a claim and spiking your premiums.
What are the Best Discounts for Car Insurance in Lancaster, CA?
There are many discounts Lancaster drivers can take advantage of, including:
Of these, the two most popular are good driver and multi-policy discounts, which reward policyholders for safe driving records and purchasing two or more policies with the same provider.
To stay on top of the latest discounts, we recommend calling your provider every couple of months to see if you qualify for any new ones. Even a simple phone call can cut $20 or $30 off your monthly bill.
Get an Online Quote for Car Insurance in Lancaster Today!
Looking for coverage? Let Freeway Insurance lead the way and help you navigate your options.
To get started with Freeway Insurance, visit us online, at a Lancaster office near you, or call 800-777-5620 to receive a quote in less than 10 minutes. A new and more affordable policy could be minutes away!