Best cheap car insurance in Lancaster for 2021

In researching this article, we looked at the cheapest car insurance companies in the area, extent of coverage available and discounts offered by carriers that can help reduce premiums.

Best car insurance companies in Lancaster

Bankrate determined our picks for the best car insurance in Lancaster by reviewing average annual premiums provided by Quadrant Information Services. We also reviewed available coverages and discounts, J.D. Power Customer Satisfaction Scores and A.M Best ratings for financial strength. Based on these factors we found that he following providers offer the best car insurance in Lancaster, South Carolina:

Insurance companyJ.D. Power Score
2021 Southeast Region Customer Satisfaction Survey
Average annual premium for minimum coverageAverage annual premium for full coverage
Geico843/1,000$418$1,192
Allstate838/1,000$424$1,378
USAA*890/1,000$482$1,448
State Farm859/1,000$739$1,649
Auto-Owners849/1,000$466$1,437

*USAA is not officially ranked due to eligibility requirements for membership.

Geico

For over 75 years, Geico has been selling automobile insurance to the United States population. The company has earned a good reputation for customer service over that time and scored 843 on the J.D. Power 2021 Customer Satisfaction Ranking for the Southeast Region.

Geico car insurance annual premiums in Lancaster, SC, are below the average annual premiums in Lancaster. With its experience, Geico does offer a broad range of coverage with good discount opportunities.

Allstate

Allstate ranks a bit below average on the 2021 J.D. Power Auto Insurance Overall Customer Satisfaction Study for the Southeast Region though scoring 838 on the 2020 J.D. Power Auto Claims Satisfaction Study.

Allstate boasts a very user friendly website where customers are able to research coverage options and obtain useful quotes. Allstate car insurance has developed a variety of available potential discounts and utilizes new technology with its Drivewise program, allowing policy holders to record safe driving habits in real time and reduce rates accordingly.

USAA

USAA is only available to current and former members of the military and their families. For this reason, USAA is not formally ranked by J.D. Power. J.D. Power still does score USAA and the 2021 score of 890 in the Southeast Region for Customer Satisfaction is the highest in the region.

USAA has leveraged its excellent customer service to acquire a loyal following among its members. Additionally, USAA offers comprehensive coverage choices and numerous add-on and discount options.

State Farm

State Farm is one of the most well known and respected car insurance companies in the country. The State Farm user-friendly website provides an easy way to learn about coverage and obtain quotes.

In addition to core coverages, State Farm offers roadside assistance, car rental help and reimbursement of other expenses when your car is damaged. There are also unique specialty programs for teen drivers and antique car enthusiasts.

Auto-Owners

Auto-Owners ranks above average in the J.D. Power 2021 Customer Satisfaction
Ranking for the Southeast Region. Auto-Owners also ranked third in the companion 2020 J.D. Power Study looking at claims handling prowess.

Auto-Owners also has longevity, being founded in 1916. Like the other companies 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.

Cheapest car insurance in Lancaster

We have listed the companies in Lancaster, South Carolina, which provide some of the cheapest car insurance policies in the area. Of course, the premiums for a policy meeting your specific requirements will vary, up or down, and be influenced by available discounts as well.

Note that the average annual premiums in Lancaster for each of these companies for minimum or full coverage come in below the annual average overall premium in Lancaster. ($594 for minimum coverage and $1,587 for full coverage.)

In order to find the most affordable car insurance policy for you in Lancaster, take the time to research the best companies below and obtain a variety of quotes to compare. Each of these insurers also has received strong ratings from our sources and others. As you can see, four of these five companies – Geico, Allstate, Auto-Owners, and USAA – show up on both our tables in this article.

Insurance companyAverage annual premium for minimum coverageAverage annual premium for full coverage
Geico$418$1,192
Allstate$424$1,378
Auto-Owners$466$1,437
USAA$482$1,448
Travelers$516$1,313

Lancaster insurance requirements

South Carolina requires that all drivers residing in the state maintain certain minimum levels of insurance. Of course, these minimum auto insurance limits apply to citizens in Lancaster:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
  • $25,000 uninsured motorist bodily injury liability per person
  • $50,000 uninsured motorist bodily injury liability per accident
  • $25,000 uninsured motorist property damage liability per accident

Underinsured motorist coverage must be offered but can be declined in writing.

While you may legally drive in Lancaster carrying the minimum coverage levels, it may be worth considering carrying more than the minimum auto insurance levels. Insurance experts recommend carrying additional coverage to protect yourself financially in the case that an accident occurs. Liability insurance does not cover your car or your injuries if you are in an accident.

Car insurance discounts in Lancaster

There are many car insurance discounts available to Lancaster drivers. Taking advantage of all of the discounts available to you may help you save on annual car insurance premiums. South Carolina permits auto insurers to review certain personal facts about insurance applicants and set premium discounts based on how well one ranks in several areas, including:

  • Types of employment
  • Marital status
  • Age, including certain discounts for students as well as seniors
  • Home ownership
  • Driving history

Most automobile insurance companies offer discounts for those who adopt certain billing and other “administrative” practices that can reduce cost for the company. For example, ask about discounts for:

  • Paperless billing
  • Payment of premiums in an annual lump sum
  • Automatic premium payment methods
  • Bundling two or more vehicles or home and vehicle policies

Frequently asked questions

What is the best car insurance company?

There is no one best auto insurance company for everyone. Each car insurer may offer particular coverages or discounts that better meet your needs than others. This article provides you with an overview of good options to consider. Obtaining several quotes and comparing is the best method to find the best coverage for you.

How much car insurance do I need in Lancaster?

To assess the amount of car insurance required, it is useful to first determine just how much you can lose if you are determined to be responsible for serious injuries of another in an accident. In today’s litigious world, it is possible that all of your assets could be at risk. The total value of all of your assets is therefore a good measuring stick for looking for adequate protection.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.