Lancaster, South Carolina drivers pay an average annual premium for minimum coverage of $594 and full coverage of $1,587. Lancaster is a small city with a population of approximately 9,150 in 2018. Drivers commute to work by driving their own car. They don’t carpool and take approximately 26 minutes each way. One vehicle is the average vehicle owned by a household. There was only one fatal accident in Lancaster in 2019.
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.
Lancaster’s best car insurance companies
Bankrate compared the average annual premiums from Quadrant Information Services to determine our top picks for Lancaster’s best car insurance. We also looked at available coverages and discounts. J.D. We also reviewed available coverages and discounts, J.D. These factors led us to conclude that the following providers provide the best car insurance in Lancaster.
Geico
Geico has been selling auto insurance in the United States for over 75 years. Geico has a solid reputation for customer service and was ranked 843 on J.D. Power 2021 Customer Satisfaction ranking for the Southeast Region.
Geico’s annual premiums for car insurance in Lancaster, SC are lower than the Lancaster average. Geico has a lot of experience and offers a wide range of coverage.
Allstate
Allstate is slightly below the average score on the 2021 J.D. Power Auto Insurance Overall Customer Satisfaction Survey for the Southeast Region, scoring 838 on 2020 J.D. Power Auto Claims Satisfaction Study.
Allstate has a user-friendly website that allows customers to search coverage options and get 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 available only to military personnel and their families. J.D. has not officially ranked USAA. Power J.D. J.D.
USAA’s excellent customer service has helped it to build a loyal following. USAA also offers a wide range of coverage options and a variety of add-ons and discounts.
State Farm
State Farm is a well-respected and highly regarded car insurance company. State Farm’s user-friendly website makes it easy to find out more about coverage and get quotes.
State Farm provides additional coverages beyond the core. It also offers roadside assistance, rental car help, and reimbursement for other expenses if your car is damaged. You can also find unique programs for teens and enthusiasts of antique cars.
Auto-Owners
The J.D. ranks Auto-Owners higher than the average among all categories. Power 2021 Customer Satisfaction
Ranking for the Southeast Region. The 2020 J.D. companion study also placed Auto-Owners third. Power Study looking at claims handling prowess.
Auto-Owners is also a long-standing company, having been established in 1916. Auto-Owners, like the other companies mentioned, benefits from years of experience and a solid selection of auto insurance plans. There are also discounts available that can be tailored to specific applicants.
Lancaster has the cheapest car insurance
We have listed the companies in Lancaster, South Carolina, which provide some of the cheapest car insurance policies in the area. The premiums for policies that meet your needs will vary depending on the available discounts.
The average Lancaster annual premiums for these companies, whether they are for full or minimum coverage, is lower than the overall Lancaster annual premium. ($594 minimum coverage, $1,587 full coverage.
To find the best car insurance policy in Lancaster, you should take the time to review the top companies and get a range of quotes. All of these insurance companies have received high ratings from us and other sources. You can see that four of these five companies, Geico, Allstate and Auto-Owners are on the tables.
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 individual
- $50k bodily injury liability per accident
- $25,000 per accident property damage liability
- $25,000 bodily injury liability for uninsured motorists per person
- $50,000 bodily injury liability for an uninsured motorist per accident
- $25,000 per accident uninsured motorist property loss liability
Coverage for underinsured motorists must be provided, but can be declined in writing.
Although you can legally drive in Lancaster with the minimum level of coverage, it is worth looking into additional auto insurance. Experts in insurance recommend that you have additional coverage in order to safeguard your finances in the event of an accident. If you are involved in an accident, liability insurance will not cover your car and your injuries.
Lancaster car insurance discounts
There are many car insurance discounts available to Lancaster drivers. You may be able to save money on your annual car insurance premiums by taking advantage of all the discounts that are available. South Carolina allows auto insurers to examine certain personal information about applicants for insurance and determine premium discounts based upon how they rank in various areas.
- Different types of employment
- Marital status
- Age, which includes certain discounts for seniors and students
- Property ownership
- Driving history
Many automobile insurance companies offer discounts to those who follow certain billing and “administrative” procedures that reduce costs. Ask about discounts for:
- Paperless billing
- Paiment of premiums in an anual lump sum
- Methods for automatic premium payments
- Bundling of two or more vehicles, or home and auto policies
Questions frequently asked
Which is the best auto insurance company?
There is no one best auto insurance company for everyone. Every car insurance company may have different coverages and discounts to better suit your needs. This article will provide you with a list of great options. Comparing multiple quotes is the best way to get the best coverage.
What amount of Lancaster car insurance do you need?
It is important to determine how much insurance you will need to cover your car. It is possible to put all your assets at risk in today’s litigious environment. For adequate protection, the total value of your assets can be used as a guide.