Drivers in Lancaster, SC pay an average annual premium of $ 594 for minimum coverage and $ 1,587 for full coverage. Lancaster is a small town of about 9,150 inhabitants in 2018. Most drivers drive to work with their own vehicles, do not carpool and spend around 26 minutes making the one-way trip. On average, a household owns only one vehicle. There was only one fatal accident in Lancaster in 2019.
In researching this article, we took a look at the cheapest auto insurance companies in the area, the extent of coverage available, and discounts offered by carriers that can help lower premiums.
Best Car Insurance Companies in Lancaster
Bankrate determined our choices for the best auto insurance in Lancaster by looking at the average annual premiums provided by Quadrant Information Services. We also looked at available covers and discounts, JD Power customer satisfaction scores, and AM Best ratings for financial strength. Based on these factors, we have found that the following providers offer the best auto insurance in Lancaster, SC:
|Insurance company||JD Power Score
2021 Southeast Region Customer Satisfaction Survey
|Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||843/1000||$ 418||$ 1,192|
|Allstate||838/1000||$ 424||$ 1,378|
|United States of America*||890/1000||$ 482||$ 1,448|
|State farm||859/1000||$ 739||$ 1,649|
|Car owners||849/1000||$ 466||$ 1,437|
* USAA is not officially ranked due to eligibility requirements for membership.
For more than 75 years, Geico has sold auto insurance to the American people. The company has gained a good reputation for customer service during this period and achieved 843 points in the JD Power 2021 customer satisfaction ranking for the Southeast region.
Annual premiums for Geico auto insurance in Lancaster, SC, are lower than the average annual premiums in Lancaster. With its experience, Geico offers a wide range of covers with good discount opportunities.
Allstate ranks slightly below average in the 2021 JD Power Auto Insurance Global Customer Satisfaction Study for the Southeast Region, despite scoring 838 points in the Claims Satisfaction Study JD Power Auto 2020.
Allstate has a very user-friendly website where customers can research coverage options and get helpful quotes. Allstate auto insurance has developed a variety of potential discounts available and uses new technology with its Drivewise program, allowing policyholders to record safe driving habits in real time and reduce rates accordingly.
USAA is only available to current and former members of the military and their families. For this reason, USAA is not officially ranked by JD Power. JD Power still rates USAA and the Southeast region’s 2021 customer satisfaction score of 890 is the highest in the region.
USAA has leveraged its excellent customer service to acquire a loyal following among its members. In addition, USAA offers comprehensive coverage choices and many add-on and discount options.
State Farm is one of the nation’s best known and respected auto insurance companies. State Farm’s user-friendly website provides an easy way to learn about coverage and get quotes.
In addition to basic coverages, State Farm offers roadside assistance, car rental assistance, and reimbursement for other expenses when your car is damaged. There are also unique specialty programs for teenage drivers and vintage car enthusiasts.
Car Owners Rank Above Average in JD Power 2021 Customer Satisfaction
Ranking for the Southeast region. Auto owners also placed third in the 2020 JD Power Study which examines claims handling prowess.
Auto-Owners also has longevity, being founded in 1916. Like other businesses here, Auto-Owners benefits from its years of experience with a solid offering of auto insurance plans and available discounts tailored to the needs of specific applicants.
The cheapest auto insurance in Lancaster
We’ve listed companies in Lancaster, SC that offer some of the cheapest auto insurance policies in the area. Of course, the premiums for a policy that meets your specific needs will vary, up or down, and will also be influenced by the discounts available.
Note that the average annual Lancaster premiums for each of these companies for minimum or full coverage are lower than the annual average overall Lancaster premium. ($ 594 for minimum coverage and $ 1,587 for full coverage.)
In order to find the most affordable auto insurance policy for you in Lancaster, take the time to research the top companies below and get a variety of quotes to compare. Each of these insurers also received good marks from our sources and others. As you can see, four of those five companies – Geico, Allstate, Auto-Owners and USAA – appear on our two charts in this article.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||$ 418||$ 1,192|
|Allstate||$ 424||$ 1,378|
|Car owners||$ 466||$ 1,437|
|United States||$ 482||$ 1,448|
|Travelers||$ 516||$ 1,313|
Lancaster Insurance Requirements
South Carolina requires all drivers residing in the state to maintain certain minimum levels of insurance. Of course, these minimum auto insurance limits apply to the citizens of Lancaster:
- $ 25,000 civil liability for bodily injury per person
- Civil liability of $ 50,000 per accident
- $ 25,000 liability for property damage per accident
- $ 25,000 civil liability for uninsured motorists per person
- $ 50,000 civil liability for uninsured motorists by accident
- $ 25,000 civil liability for property damage of uninsured motorists by accident
Coverage for underinsured motorists must be offered but may be refused in writing.
While you can legally drive in Lancaster with the minimum coverage levels, it may be worth considering carrying more than the minimum auto insurance levels. Insurance experts recommend purchasing additional coverage to protect yourself financially in the event of an accident. Liability insurance does not cover your car or your injuries in the event of an accident.
Discounts on auto insurance in Lancaster
There are many car insurance discounts available for Lancaster drivers. Taking advantage of all the discounts available to you can help you save on annual auto insurance premiums. South Carolina allows auto insurers to review certain personal facts about insurance applicants and set premium discounts based on their rank in several areas, including:
- Types of employment
- Marital status
- Age, including some discounts for students as well as the elderly
- Home ownership
- Driving history
Most auto insurance companies offer discounts to those who adopt certain billing and other “administrative” practices that can reduce costs to the business. For example, inquire about discounts for:
- Paperless billing
- Payment of premiums in an annual lump sum
- Automatic premium payment methods
- Grouping of two or more vehicles or home and vehicle policies
Frequently Asked Questions
What is the best auto insurance company?
There is no one best auto insurance company for everyone. Each auto insurer may offer specific coverage or discounts that better meet your needs than others. This article gives you an overview of the good options to consider. Getting multiple quotes and comparing is the best way to find the best coverage for you.
How Much Car Insurance Do I Need in Lancaster?
To assess the amount of auto insurance required, it is helpful to first determine how much you can lose if you are determined to be responsible for the serious injuries of others in an accident. In today’s contentious world, it is possible that all of your assets are at risk. The total value of all of your assets is therefore a good indicator for seeking adequate protection.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- $ 100,000 liability for bodily injury per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.
These are sample rates and should only be used for comparison purposes. Your quotes may be different.