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The City of Lompoc is part of Santa Barbara County, and has built an excellent tourism industry that is now a primary component of the Lompoc economy. Today, the city is known as the flower seed capital of the world, aka, “The City of Arts and Flowers.” Vandenberg Air Force Base employs a large percentage of Lompoc’s residents, and contributes greatly to the city’s economy. State Route 1 is the major north-south artery through Lompoc, and State Route 246 heads east to Buellton and the Santa Ynez Valley. The city draws many tourists who come to enjoy golf, biking, hiking, surfing, and even sky diving. The cost of living in Lompoc is 16% lower than the California average, yet still 22% higher than the national average. Tourism traffic and the high cost of living make it especially important to explore all the options for cheap car insurance Lompoc has to offer.

The Lompoc Police Department is the primary law enforcement agency for the city, and there are a total of 70 Lompoc police officers. The overall crime rate in Lompoc is 56% higher than the national average, and unfortunately, 2015 reports show that the number of total year over year crimes in Lompoc has increased by 94%. This implies a higher risk of theft and property damage, which may lead to higher insurance premiums. Be sure to ask about all the discounts you may qualify for, and make sure you have enough coverage to replace any assets you own.

Lompoc Insurance Requirements

All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Lompoc has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Lompoc can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Lompoc Public Transportation

There is 1 airport and 6 Amtrak train stations within 30 miles of the Lompoc city center. Lompoc is served by City of Lompoc Transit, the Clean Air Express to Santa Barbara/Goleta, and the Breeze Bus to Buellton/Solvang and Santa Maria. The number of people who carpool to work in Lompoc is 98% higher than the national average, which is a great way to lower your yearly mileage and get a good discount on your auto insurance premium.