Cheapest Car Insurance Quotes in Lake City

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Lake City Car Insurance

^$ 28

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lake City

The car insurance rate in Lake City is $878 for a six-month policy, which is $46 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $457, making it a popular choice for budget-conscious drivers. Rates in Lake City can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lake City

$878

Avg. Car Insurance in Arkansas

$924

National Average

$1140

Cheapest Car Insurance Companies in Lake City

1st place: AutoOwners Insurance Co

At $457 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $599 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA

AAA offers auto insurance rates at $615 for six months, making it the third cheapest auto insurance company in Lake City.

Lake City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake City, AR is AutoOwners Insurance Co, offering policies at just $457 for a six-month term. This is followed by Travelers, which has an average six-month premium of $599.

At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1625 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake City drivers find the best deals.

Cheap Car Insurance Companies in Lake City, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$457	$78
Travelers	$599	$101
AAA	$615	$105
Southern Farm Bureau	$660	$111
USAA	$672	$113
State Farm	$756	$127
Farm Bureau	$773	$131
Shelter	$829	$140
Nationwide	$881	$148
Auto-Owners	$908	$151
Farmers	$1027	$173
Alfa	$1202	$200
Allstate	$1286	$217
Progressive	$1625	$274

Key Takeaways

Way's key takeaways about car insurance in Lake City

The auto insurance costs in Lake City fall around $457 for six months.
The cheapest auto insurance company in Lake City is USAA.
Teen drivers pay the highest rate in Lake City at $971 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Lake City

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lake City are given below.

USAA provides the cheapest minimum car insurance coverage in Lake City. Their Average 6 Month Premium is $163. Farmers is the most expensive at $564 for the same period.

Cheapest Liability Coverage in Lake City, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$163	$28
Auto-Owners Insurance Co	$181	$30
State Farm	$203	$34
Auto-Owners	$215	$36
Travelers	$220	$37
AAA	$226	$38
Southern Farm Bureau	$232	$39
Farm Bureau	$237	$40
Alfa	$248	$42
Shelter	$271	$46
Nationwide	$282	$48
Progressive	$299	$50
Allstate	$519	$87
Farmers	$564	$94

Cheapest Full Coverage Car Insurance in Lake City

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lake City is AutoOwners Insurance Co at $78 per month and $457 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake City, AR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$457	$78
Travelers	$599	$101
AAA	$615	$105
Southern Farm Bureau	$660	$111
USAA	$672	$113
State Farm	$756	$127
Farm Bureau	$773	$131
Shelter	$829	$140
Nationwide	$881	$148
Auto-Owners	$908	$151
Farmers	$1027	$173
Alfa	$1202	$200
Allstate	$1286	$217
Progressive	$1625	$274

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Average Car Insurance in Lake City by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lake City, AR increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake City, Arkansas, may be increasing due to several external factors. Arkansas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lake City's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lake City

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lake City,AR

If you are planning to get a car insurance policy for your teenage dependent, Hanover provides the cheapest car insurance in the Lake City at $25 per month. At $5710 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$146	$25
Travelers	$242	$41
Auto-Owners Insurance Co	$265	$45
AAA	$282	$48
Southern Farm Bureau	$993	$167
USAA	$1146	$193
Farm Bureau	$1507	$251
State Farm	$1535	$258
Alfa	$1873	$313
Nationwide	$1919	$323
Shelter	$2494	$420
Progressive	$4661	$785
Allstate	$5710	$961
Farmers	$5710	$971

Teen Car Insurance Rates in AR by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lake City, Southern Farm Bureau is the cheapest car insurance provider. At $276 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lake City is State Farm, offering rates of around $3764 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Southern Farm Bureau	$276	$47
Home State Ins Group	$282	$48
Travelers	$333	$55
Alfa	$716	$121
USAA	$960	$160
Shelter	$1050	$177
Nationwide	$1061	$179
Progressive	$1355	$228
Farm Bureau	$1399	$234
Farmers	$1411	$238
Allstate	$2579	$429
State Farm	$3764	$640

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lake City.

Car Insurance Rates with An Accident in Lake City

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lake City, AR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lake City

The cheapest car insurance companies after an at-fault accident in Lake City include Hanover and Travelers, offering $169 and $288, respectively. Allstate is an expensive provider with an average six-month premium of $2387.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$169	$29
Travelers	$288	$48
Auto-Owners Insurance Co	$294	$48
Auto-Owners	$344	$59
Home State Ins Group	$361	$60
USAA	$542	$91
State Farm	$559	$94
Farm Bureau	$666	$112
Southern Farm Bureau	$677	$114
Shelter	$841	$142
Farmers	$1303	$219
Nationwide	$1321	$222
Progressive	$1637	$276
Alfa	$1834	$312
Allstate	$2387	$402

Lake City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake City AR. For example, the car insurance in Lake City after a DUI increases to $637 for a six month policy. While the rate increases by $270 for a six-month policy in the case of a speeding ticket.

Lake City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1129	$188
One Med/PIP claim	$1146	$195
Not-at-fault accident	$1151	$192
One comp claim	$1151	$196
Two Med/PIP claims	$1169	$195
Two comp claims	$1196	$203
Failure to wear a seat belt	$1355	$226
Child safety restraint	$1365	$232
Driving without lights	$1365	$228
Failure to show documents	$1382	$235
Driving with expired registration	$1399	$234
Speeding 6 - 10 MPH over limit	$1399	$238
Driving too slowly	$1405	$235
Speeding 11 - 15 MPH over limit	$1405	$238
Speeding in school zone	$1405	$235
Speeding 16 - 20 MPH over limit	$1411	$240
Failure to stop at a red light	$1416	$236
Failure to yield	$1416	$241
Wrong way/wrong lane	$1422	$237
Cell phone violation	$1428	$243
In 65 MPH zone	$1428	$238
Texting while driving	$1428	$243
Following too closely	$1434	$238
Illegal turn	$1434	$244
Improper passing	$1434	$238
Speeding 21 - 25 MPH over limit	$1461	$249
At-fault accident - less than $1000	$1467	$244
Passing school bus	$1478	$252
Operating a vehicle without permission	$1524	$254
Open container	$1552	$264
At-fault accident - $1000-$2000	$1586	$264
At-fault accident - greater than $2000	$1591	$271
DUI	$1766	$295
Racing	$1766	$300
Refusal to submit to a chemical test	$1766	$295
Reckless driving	$1795	$305
Driving with a suspended license	$1845	$308
Leaving scene of an accident/hit and run	$1879	$319

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lake City after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lake City.

The cheapest car insurance premiums in Lake City are offered by Hanover at $181 for a six-month policy. However, it can be as expensive as $2404 with companies like Nationwide.

Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$181	$30
Home State Ins Group	$305	$50
Travelers	$316	$53
State Farm	$593	$100
Farm Bureau	$615	$104
Southern Farm Bureau	$626	$105
USAA	$858	$144
Progressive	$1073	$181
Shelter	$1343	$226
Alfa	$1777	$296
Allstate	$2094	$352
Farmers	$2167	$361
Nationwide	$2404	$405

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lake City are offered by Hanover at $158. However, it can be as expensive as $1851 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lake City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hanover	$158	$27
Southern Farm Bureau	$169	$29
Auto-Owners Insurance Co	$209	$35
Travelers	$276	$47
Home State Ins Group	$294	$48
State Farm	$530	$89
USAA	$643	$107
Farm Bureau	$841	$143
Nationwide	$960	$162
Progressive	$1038	$175
Shelter	$1089	$181
Farmers	$1264	$213
Alfa	$1733	$289
Allstate	$1851	$314

Car Insurance Price Trends in Lake City, Arkansas

Car insurance rates in Lake City have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lake City remained steady at $188 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake City remained steady at $44 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lake City?

The car insurance in Lake City is $28 per month, which is lower than the national average.

What is the cheapest car insurance in Lake City?

The cheapest car insurance in Lake City is $78 per month for full coverage.

How much is car insurance in Lake City for teenagers?

Car insurance for teenagers costs $146 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lake City?

The average cost of car insurance is $924 for a six-month policy. It will cost around $147 per month to insure your car in Lake City.

Is car insurance expensive in Lake City?

Car insurance can be expensive in Lake City if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lake City can be affordable.

Cheapest Car Insurance Quotes in Lake City

Why you can trust Way?

How Much Is Car Insurance in Lake City

Avg. Car Insurance in Lake City

Avg. Car Insurance in Arkansas

National Average

Cheapest Car Insurance Companies in Lake City

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: AAA

Lake City Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake City, AR

Way's key takeaways about car insurance in Lake City

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake City

Cheapest Liability Coverage in Lake City, AR

Cheapest Full Coverage Car Insurance in Lake City

Cheapest Full Coverage Car Insurance Quotes in Lake City, AR

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake City by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lake City, AR increasing?

Car Insurance Premiums by Age in Lake City

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake City,AR

If you are in your twenties N/A is the best choice for car insurance in Lake City.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lake City

Cheapest Car Insurance Companies after an At-Fault Accident in Lake City

Lake City Car Insurance Rates by Violation

Lake City auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake City after a DUI

Lake City car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake City after Speeding ticket

Car Insurance Price Trends in Lake City, Arkansas

Average Car Insurance Cost in Lake City by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake City, AR

Car Insurance Rates by State in the USA (2025 Update)

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