When it comes to the best auto insurance options and perks, there’s no one-size-fits-all company. But we asked real Lancaster, TX policyholders to rate their experiences with some insurers and a few consistently stood out from competitors.

Progressive Insurance

Years in business: 86

Jerry user rating: 4.2 stars

AM Best rating: A+ (Superior)

Average annual full coverage rate with Jerry: $1,712

Average annual minimum coverage rate with Jerry: $691

Progressive is popular with Lancaster drivers—especially those who are looking for extra perks and savings.

Progressive offers a wide range of discounts

to safe drivers and gives you the option of bundling your car and homeowners insurance, which can help you save on both policy premiums.

Read our full Progressive Insurance review

“I have not seen an insurance bill so low.” —Judith, Lancaster, TX

GEICO

Years in business: 87

Jerry user rating: 3.9 stars

AM Best rating: A++

GEICO offers affordable options for most drivers, a diverse range of coverage types, above-average customer satisfaction, and an extensive array of discounts. Their user-friendly online platform and app are a bonus for policyholders.

Read our full GEICO Insurance review

“GEICO is the best.” —Shamora, Lancaster, TX

Assurance America

Years in business: 25

Jerry user rating: 4.6

AM Best rating: A+

Average annual full coverage rate with Jerry: $1,564

Average annual minimum coverage rate with Jerry: $773

Assurance America is a smaller insurance company that works with drivers who have violations or spotty driving histories. They offer online and app payment options and are known for their good customer service.

Read our full Assurance America Insurance review

“Assurance America was very accommodating to my situation and gave me the lowest rate full coverage [from] the top competitors.” —Ronitta, Lancaster, TX

You might be eligible for the cheapest rate from one company and higher rates from another. That’s why it’s essential to weigh your options carefully by comparing quotes.

Learn more:

The best way to shop for auto insurance in 2023

Find affordable auto insurance in Lancaster, Texas

There will never be one insurance company that offers the most affordable rates for every type of driver.

The easiest way to find the best auto insurance in Lancaster, TX is to get a quote from a local insurance agent who works with multiple insurance providers—or just download the Jerry app to

get free quotes

and end-to-end insurance support.

Follow these simple steps to set up your profile and find the auto insurance coverage you need.

1. Download the Jerry app to find Lancaster car insurance quotes

The easiest way to find cheap insurance coverage in Lancaster, TX is by working with an

independent online broker

like Jerry. After you create an insurance profile in the app, you’ll be able to access personalized quotes from dozens of local insurance providers.

Download the Jerry app and set up your driver profile by inputting some basic personal information, household members, and vehicle details.

The more accurate information you provide to insurers at this stage, the more accurate your personalized quotes will be.

While going the local route and consulting an insurance agency in Lancaster is a solid option, you’ll typically get to work with a limited number of car insurance companies. As an insurance broker, Jerry partners with 55+ car insurance providers which gives you direct access to a variety of Lancaster providers and expands your search for the most affordable auto insurance rates.

2. Compare coverage options and insurer pricing

Once you’ve completed your basic profile, you’ll get quotes for multiple coverage levels from different auto insurers in your area. Before signing anything, compare the different coverage options to ensure you’re getting a policy tailored to your individual insurance needs.

Jerry shows quotes at four different levels of coverage:

1. Basic: This includes the minimum coverage required by Texas state law

2. Basic + full coverage: This extends your coverage to include

comprehensive

and

collision coverage

in addition to the mandatory minimum liability coverage

3. Standard: This includes $50k/$100k/$50k liability coverage and full coverage, plus add-ons like uninsured motorist coverage and medical payments

4. Preferred: This includes $100k/$300k/$100k liability coverage and a range of add-ons like rental reimbursement and roadside assistance

Most Lancaster drivers opt for a Standard coverage plan with

full coverage

and moderate-to-high liability limits. Based on your driver profile, your quotes could vary from the ones shown here.

Keep in mind: If you have a car loan on your vehicle, your policy will need to include collision and comprehensive coverage.

Opt for a full coverage policy to protect your assets. Liability insurance covers legal expenses resulting from accidents you’re at fault for. For a few dollars extra each month, you can usually set your liability limits to $100k/$300k/$100k and gain peace of mind.

3. Enter your payment information to secure your policy

Once you’ve found a level of coverage and a rate that satisfies you, click “Confirm your rate” to add your payment info and ensure you don’t lose it. Since all insurance quotes are time-sensitive, make sure to follow up with this step immediately.

To purchase a policy and activate your coverage, enter your payment information once you receive a final price.

The majority of car insurers that partner with Jerry offer same-day coverage, but it generally takes anywhere between one and three hours to finalize your policy.

After you confirm your new policy and receive your digital insurance card, turn on automatic reshops in the app. This lets Jerry automatically pull new quotes when your policy is up for renewal, your credit score improves, or a new provider in your area joins the app.

How to avoid high car insurance rates in Lancaster, TX

Drive safely, especially in high-traffic areas

Texas's dense population and high tourism rate mean higher-than-average rates of fatal car accidents. According to a Texas Department of Transportation (TxDOT) report, the state reported a crash approximately every 57 seconds, with one person losing their life in a car accident approximately every 1 hour and 57 minutes.1

In Lancaster, TX, the amount of total car accidents has been rising steadily since the pandemic.

Year	Fatal crashes	Serious crashes	Possible injury crashes	Total crashes
2022	2	26	74	706
2021	4	36	73	759
2020	4	20	111	660
2019	2	15	106	666

Source:

Texas Department of Transportation

These stats matter because if you live in a high-traffic area, you’re likely to pay higher auto insurance rates due to the increased risk of car crashes and claims. To keep your driving record clean, here are some defensive driving techniques to adopt:

Stay focused: Don’t text or eat behind the wheel, and take a break if you’re feeling drowsy or tired. Always scan the road for hazards, pedestrians, and other cars.

Stick to your driving lane: If you’re on the highway, only use the left-hand lane to pass other vehicles, and avoid frequent lane changes.

Abide by the posted speed limits: Even if you’re in a rush, always maintain the legal driving speed.

Maintain a safe driving distance: There should be at least six seconds between you and the vehicle in front of you at all times. If the weather is bad, add another second.

Move over: If an emergency vehicle is flashing its lights or you’re traveling through a safe zone, move over and reduce your speed.

Beware of tornadoes and extreme weather

Texas is known for its tornado and storm seasons, so Lancaster drivers should be prepared for poor weather conditions.

Here are some common scenarios and some steps to take to reduce the likelihood of getting into an accident:

If you’re caught on the road in a minor storm: Give yourself extra time to brake by leaving extra space between your car and other vehicles.

If you’re caught in a severe thunderstorm storm: Turn on your emergency lights, move to the side of the road, and wait it out if possible.

If you see a tornado: Pull over to the side of the road and seek immediate shelter—never hide under a car or bridge.

Find a trusted auto repair shop

It’s important to have a mechanic you trust on your side for regular maintenance or in the aftermath of an accident. Consistent auto care not only safeguards your vehicle but also minimizes the likelihood of getting into accidents.

If you just moved to Lancaster, the Jerry app can help you find a trustworthy mechanic in your area.

You can also view service reminders, see repair shop reviews from real customers, and view estimates for common vehicle services.

Research discounts

Car insurance discounts

can help reduce insurance costs in Lancaster, TX. Check if your provider offers the following popular discounts or shop around to find the best deals:

Bundling discounts: You can save an average of 9–20% by combining your home insurance or renters insurance with your auto insurance policy.

Safe driver discounts: Signing up for a telematics program that tracks your driving habits can net you up to 30% off your car insurance policy.

Payment discounts: If you pay your annual premium in full or electronically, insurers will typically offer a small discount.

Driver discounts: Teens with good grades and members of certain professional or education organizations might be eligible for reduced car insurance rates.

Protect your car against theft

According to the National Insurance Crime Bureau’s (NICB) most recent rankings, Dallas-Fort Worth-Arlington, TX consistently ranked in the top 100 metro areas with the highest rates of auto theft in recent years. From 2019 to 2021, Dallas averaged 26,368 vehicle thefts per year.

Given that Lancaster is situated just twenty minutes south of Dallas, drivers in Lancaster should exercise heightened vigilance.

Here are some tips to

protect your car against theft

Take basic precautions: Be alert of your surroundings, lock your doors, and never keep your keys in your car.

Park in well-lit and populated areas: Opt for spots that are visible to passersby and surveillance cameras.

Install a GPS tracking system: If your vehicle is stolen, this technology can help authorities track and recover it quickly.

Install an anti-theft system: Invest in a reliable car alarm system with features such as motion sensors and loud sirens.

Keep your valuables out of sight: Place items in the trunk or take them with you.

Methodology

All quotes shown in this article are real auto insurance quotes obtained through the Jerry app for the following profile:

Drivers: 33-year-old female

Marital status: Single

Location: Lancaster, TX

Vehicles: 2018 Ford Focus Se, 35 miles driven daily

Driving record: Clean

Credit score: 750+

Homeowner status: Homeowner

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.

Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle.

Texas minimum coverage refers to policies with the following coverage limits:

$30,000 of

bodily injury liability (BIL)

per person

$60,000 of bodily injury liability per accident

$25,000 of

property damage liability (PDL)

Full coverage refers to policies that contain at least the minimum liability, plus

personal injury protection (PIP)

uninsured/underinsured motorist coverage

, and comprehensive and collision insurance with deductibles of either $500 or $1,000.

Sources

https://ftp.txdot.gov/pub/txdot-info/trf/crash_statistics/2021/01.pdf

FAQs

Who has the cheapest car insurance in Texas?

There is no single cheapest car insurance provider in Texas. What you end up paying for your premium depends on your demographics, vehicle make and model, coverage levels, claims history, and other factors.

How much is car insurance in Lancaster, Texas per month?

On average, a minimum coverage policy will cost you $65 per month and a full coverage policy will be around $149.

How much is car insurance in Texas per month?

On average, a minimum coverage policy will cost you $53 per month and a full coverage policy will be around $130.

What is the average car insurance for a teenager in Texas?

The average annual car insurance rate for young drivers in Texas is $2,723 for a full coverage policy and $1,654 for a minimum coverage policy.

What is the minimum car insurance in Texas?

The minimum auto insurance requirements in Texas are $30,000 of bodily injury liability (BIL) per person, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability (PDL) coverage per accident.

That said, it’s highly recommended you get more than the bare minimum and consider a full coverage policy with comprehensive coverage and collision insurance to cover physical damage to your vehicle.

Does State Farm or Allstate offer more affordable insurance?

Both insurers offer a variety of coverage options and insurance deals but on average, State Farm tends to offer cheaper insurance quotes than Allstate.

Meet our experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.