Buy Cheap Lompoc, CA Auto Insurance in 2024
Lompoc, CA auto insurance rates average $237 a month. Minimum auto insurance requirements in Lompoc, California are 15/30/5 to comply with California laws. To buy cheap auto insurance in Lompoc, CA, compare Lompoc auto insurance quotes from top companies.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Lompoc after a DUI is Allstate
- Average auto insurance rates in Lompoc, CA for teens drivers are $4,769/year
- Average auto insurance rates in Lompoc, CA are $237/month
Finding affordable Lompoc, California auto insurance can be challenging, but everything you need to know to buy cheap Lompoc, CA auto insurance with confidence is right here. Auto insurance rates in Lompoc are affected by local factors as well as personal ones like your driving record.
See how Lompoc, CA car insurance rates compare to Bakersfield auto insurance rates, Oakland auto insurance rates, and Sacramento auto insurance rates before you read more about the cost of auto insurance in Lompoc.
Don’t buy Lompoc, CA auto insurance until you’ve compared rates. Get free Lompoc, California auto insurance quotes when you enter your ZIP code above.
Lompoc, CA Minimum Auto Insurance Requirements
The required auto insurance in Lompoc, CA is 15/30/5 according to the auto insurance laws in California. The minimum auto insurance in Lompoc, California is outlined here.
Minimum Required Auto Insurance Coverage in Lompoc, California
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $15,000 per person $30,000 per accident |
| Property Damage Liability Coverage | $5,000 minimum |
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Buy Cheap Lompoc, CA Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Lompoc, California auto insurance rates? Find out how car insurance rates in Lompoc, CA are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lompoc, California
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,225 | $2,226 | $1,637 | $1,652 | $6,196 | $7,791 | $2,848 | $3,128 |
| Farmers | $1,642 | $1,642 | $1,489 | $1,489 | $5,198 | $8,469 | $1,943 | $2,163 |
| Geico | $1,442 | $1,443 | $1,357 | $1,357 | $4,375 | $4,449 | $2,069 | $2,115 |
| Liberty Mutual | $2,013 | $1,903 | $1,878 | $1,819 | $4,385 | $4,677 | $2,264 | $2,286 |
| Nationwide | $2,499 | $2,388 | $2,189 | $2,066 | $6,294 | $6,945 | $2,973 | $2,940 |
| Progressive | $1,510 | $1,554 | $1,281 | $1,520 | $3,984 | $4,804 | $2,167 | $2,329 |
| State Farm | $2,539 | $2,539 | $2,269 | $2,269 | $4,652 | $5,765 | $2,810 | $2,899 |
| Travelers | $1,981 | $1,922 | $1,759 | $1,740 | $3,990 | $4,568 | $2,552 | $2,502 |
| USAA | $1,704 | $1,616 | $1,665 | $1,674 | $3,846 | $3,874 | $2,362 | $2,233 |
Buy Cheap Lompoc, CA Auto Insurance for Teen Drivers
Auto insurance for teenagers in Lompoc can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lompoc, CA are listed here.
Annual Auto Insurance Rates for Teen Drivers in Lompoc, California
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,196 | $7,791 |
| Farmers | $5,198 | $8,469 |
| Geico | $4,375 | $4,449 |
| Liberty Mutual | $4,385 | $4,677 |
| Nationwide | $6,294 | $6,945 |
| Progressive | $3,984 | $4,804 |
| State Farm | $4,652 | $5,765 |
| Travelers | $3,990 | $4,568 |
| USAA | $3,846 | $3,874 |
Buy Cheap Lompoc, CA Auto Insurance for Seniors
You can save on senior auto insurance rates in Lompoc, California by comparing Lompoc senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lompoc, CA here.
Annual Auto Insurance Rates for Senior Drivers in Lompoc, California
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,637 | $1,652 |
| Farmers | $1,489 | $1,489 |
| Geico | $1,357 | $1,357 |
| Liberty Mutual | $1,878 | $1,819 |
| Nationwide | $2,189 | $2,066 |
| Progressive | $1,281 | $1,520 |
| State Farm | $2,269 | $2,269 |
| Travelers | $1,759 | $1,740 |
| USAA | $1,665 | $1,674 |
Find Cheap Auto Insurance Rates in Lompoc, CA by Coverage Level
The amount of coverage you choose is a big factor in the cost of Lompoc, California auto insurance. Compare Lompoc, CA auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Lompoc, California
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,298 | $3,490 | $3,600 |
| Farmers | $2,783 | $3,028 | $3,202 |
| Geico | $2,116 | $2,353 | $2,509 |
| Liberty Mutual | $2,468 | $2,677 | $2,815 |
| Nationwide | $3,182 | $3,596 | $3,833 |
| Progressive | $2,157 | $2,463 | $2,560 |
| State Farm | $2,928 | $3,266 | $3,459 |
| Travelers | $2,313 | $2,694 | $2,873 |
| USAA | $2,171 | $2,414 | $2,531 |
Find Cheap Lompoc, CA Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Lompoc. Compare auto insurance rates in Lompoc, CA by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Lompoc, California
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,130 | $3,795 |
| Farmers | $2,726 | $3,282 |
| Geico | $2,113 | $2,539 |
| Liberty Mutual | $2,437 | $2,869 |
| Nationwide | $3,127 | $3,947 |
| Progressive | $2,173 | $2,614 |
| State Farm | $3,101 | $3,334 |
| Travelers | $2,370 | $2,883 |
| USAA | $2,187 | $2,557 |
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Find Cheap Lompoc, CA Auto Insurance Rates by Driving Record
Auto insurance rates in Lompoc, California are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lompoc, CA, take a look at the average cost for various violations versus rates for a clean driving record in Lompoc.
Annual Lompoc, California Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,099 | $3,516 | $5,491 | $2,745 |
| Farmers | $2,224 | $3,027 | $3,764 | $3,002 |
| Geico | $1,627 | $2,507 | $3,150 | $2,018 |
| Liberty Mutual | $2,303 | $3,084 | $2,784 | $2,440 |
| Nationwide | $2,474 | $3,167 | $5,339 | $3,167 |
| Progressive | $1,572 | $2,660 | $3,082 | $2,260 |
| State Farm | $2,294 | $2,737 | $5,176 | $2,664 |
| Travelers | $1,783 | $2,842 | $3,304 | $2,579 |
| USAA | $1,579 | $2,343 | $3,837 | $1,729 |
Find Cheap Lompoc, CA Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Lompoc, California is higher than for a clean driving record. You can buy auto insurance after a DUI in Lompoc for less when you shop around and compare rates from multiple Lompoc, CA auto insurance companies.
Annual Auto Insurance Rates After a DUI in Lompoc, California
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $5,491 |
| Farmers | $3,764 |
| Geico | $3,150 |
| Liberty Mutual | $2,784 |
| Nationwide | $5,339 |
| Progressive | $3,082 |
| State Farm | $5,176 |
| Travelers | $3,304 |
| USAA | $3,837 |
Winners by Category: Where to Buy Cheap Auto Insurance in Lompoc, CA
Compare rates from the cheapest auto insurance companies in Lompoc, CA for your needs. Take a look at how Lompoc, California auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Lompoc, California
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Geico |
| Clean Record | Progressive |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Find Cheap Lompoc, California Auto Insurance Companies
If you’re looking for the cheapest Lompoc, CA auto insurance companies overall, you can compare them here. Find the best price for Lompoc, California car insurance by company.
Average Annual Auto Insurance Rates by Company in Lompoc, California
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,463 |
| Farmers | $3,004 |
| Geico | $2,326 |
| Liberty Mutual | $2,653 |
| Nationwide | $3,537 |
| Progressive | $2,394 |
| State Farm | $3,218 |
| Travelers | $2,627 |
| USAA | $2,372 |
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What affects Lompoc, California auto insurance rates?
Local factors affect auto insurance rates in Lompoc, CA, including traffic, theft statistics, and commute length. Take a look at the things that impact Lompoc auto insurance rates.
Auto Theft in Lompoc
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lompoc, CA auto theft show a total of 144 vehicle thefts annually.
Commute Times in Lompoc
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lompoc, CA is 27.7 minutes according to City-Data.
Compare Auto Insurance Quotes in Lompoc, CA
You can buy cheap Lompoc, CA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lompoc, California auto insurance quotes from top companies.
Frequently Asked Questions
What factors determine the cost of auto insurance in Lompoc, CA?
Several factors affect the cost of auto insurance, including your driving history, age, type of vehicle, coverage limits, deductible, and location. Insurance companies also consider the crime rate, accident frequency, and repair costs in your area.
How can I find cheap auto insurance in Lompoc, CA?
To find affordable auto insurance, consider the following tips:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a clean driving record and avoid accidents or traffic violations.
- Opt for higher deductibles, which can lower your premium.
- Bundle your auto insurance with other policies, such as home or renters insurance.
- Inquire about discounts, such as those for safe driving, multiple vehicles, or anti-theft devices.
Is it advisable to buy the cheapest auto insurance available?
While affordability is important, it’s essential to strike a balance between cost and coverage. The cheapest insurance may not provide adequate protection or include essential features. Ensure you understand the policy terms, coverage limits, deductibles, and any exclusions before making a decision.
Are there any pros to buying cheap auto insurance?
Some potential advantages of purchasing cheap auto insurance include:
- Lower monthly premiums, which can help save money in the short term.
- Meeting the minimum legal requirements for auto insurance in Lompoc, CA.
- Possibility of finding affordable coverage if you have a clean driving record.
What are the cons of buying cheap auto insurance?
There are a few drawbacks to be aware of when considering cheap auto insurance:
- Limited coverage options: Cheap insurance plans may offer less coverage, leaving you vulnerable to higher out-of-pocket expenses in the event of an accident or damage.
- High deductibles: Low-cost policies may have high deductibles, meaning you’ll need to pay more out of pocket before the insurance kicks in.
- Poor customer service: Some budget insurers may provide less reliable customer service or have slower claims processes.
- Less comprehensive coverage: Cheap policies might exclude certain types of coverage, such as rental car reimbursement or roadside assistance.
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Chris Abrams
Licensed Insurance Agent
Chris is the founder of Abrams Insurance Solutions and Marcan Insurance, which provide personal financial analysis and planning services for families and small businesses across the U.S. His companies represent nearly 100 of the top-rated insurance companies. Chris has been a licensed insurance agent since 2009 and has active insurance licenses in all 50 U.S. states and D.C. Chris works tireles...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.