Cheapest Car Insurance Quotes in Lake Clarke Shores

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Lake Clarke Shores Car Insurance

^$ 29

/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 Clarke Shores

The car insurance rate in Lake Clarke Shores is $2193 for a six-month policy, which is $592 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1400, making it a popular choice for budget-conscious drivers. Rates in Lake Clarke Shores 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 Clarke Shores

$2193

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Lake Clarke Shores

1st place: Travelers

At $1400 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1489 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1733 for six months, making it the third cheapest auto insurance company in Lake Clarke Shores.

Lake Clarke Shores Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Clarke Shores, FL is Travelers, offering policies at just $1400 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1489.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1310 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Clarke Shores drivers find the best deals.

Cheap Car Insurance Companies in Lake Clarke Shores, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1400	$236
State Farm	$1489	$251
Nationwide	$1733	$292
United Automobile Ins Group	$1871	$312
Progressive	$1954	$329
UAIC	$1954	$326
MetLife	$2059	$351
Farmers	$3272	$545
Mercury	$3532	$600
Allstate	$3557	$599
Metropolitan Group	$1310	$218

Key Takeaways

Way's key takeaways about car insurance in Lake Clarke Shores

The auto insurance costs in Lake Clarke Shores fall around $1400 for six months.
The cheapest auto insurance company in Lake Clarke Shores is Patrons Insurance.
Teen drivers pay the highest rate in Lake Clarke Shores at $1892 per month.

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

Cheapest Minimum Liability Car Insurance in Lake Clarke Shores

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 Clarke Shores are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Lake Clarke Shores. Their Average 6 Month Premium is $171. Metropolitan Group is the most expensive at $521 for the same period.

Cheapest Liability Coverage in Lake Clarke Shores, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$171	$29
Travelers	$521	$88
State Farm	$553	$93
Mercury	$586	$99
Nationwide	$651	$111
Farmers	$903	$151
AIG	$919	$156
Progressive	$960	$162
United Automobile Ins Group	$985	$167
UAIC	$1066	$178
Allstate	$1229	$207
Metropolitan Group	$521	$86

Cheapest Full Coverage Car Insurance in Lake Clarke Shores

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 Clarke Shores is Travelers at $236 per month and $1400 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Clarke Shores, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1400	$236
State Farm	$1489	$251
Nationwide	$1733	$292
United Automobile Ins Group	$1871	$312
Progressive	$1954	$329
UAIC	$1954	$326
MetLife	$2059	$351
Farmers	$3272	$545
Mercury	$3532	$600
Allstate	$3557	$599
Metropolitan Group	$1310	$218

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Average Car Insurance in Lake Clarke Shores 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 Clarke Shores, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Clarke Shores, Florida, may be increasing due to several external factors. Florida 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 Clarke Shores'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 Clarke Shores

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$1777
40s	Travelers	$1341
50s	Travelers	$1251
60s	Travelers	$1233

Cheapest Car Insurance Rates for Teen Drivers in Lake Clarke Shores,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Lake Clarke Shores at $123 per month. At $11124 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$741	$123
AIG	$1001	$170
Travelers	$2270	$382
State Farm	$2987	$503
UAIC	$4443	$741
United Automobile Ins Group	$4614	$785
Allstate	$6998	$1178
Mercury	$8675	$1460
Progressive	$9269	$1560
Farmers	$11124	$1892

Teen Car Insurance Rates in FL by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Lake Clarke Shores.

As young drivers face the highest rates in Lake Clarke Shores, Travelers offers the cheapest auto insurance rates at $1777 for six months.

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 Clarke Shores, Nationwide is the cheapest car insurance provider. At $886 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 Clarke Shores is Allstate, offering rates of around $7113 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$886	$151
Mercury	$969	$162
Direct General Insurance	$1010	$171
Travelers	$1921	$323
UAIC	$1954	$332
Progressive	$3776	$629
Farmers	$4525	$770
State Farm	$6779	$1130
Allstate	$7113	$1210

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

Car Insurance Rates with An Accident in Lake Clarke Shores

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 Clarke Shores, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Lake Clarke Shores include Nationwide and AIG, offering $936 and $1196, respectively. National General is an expensive provider with an average six-month premium of $1448.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$936	$156
AIG	$1196	$203
Travelers	$1351	$227
State Farm	$1392	$234
United Automobile Ins Group	$2433	$406
Mercury	$2514	$423
UAIC	$2547	$425
Progressive	$3336	$562
Farmers	$4565	$760
Allstate	$6176	$1040
National General	$1448	$247

Lake Clarke Shores Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Clarke Shores FL. For example, the car insurance in Lake Clarke Shores after a DUI increases to $1285 for a six month policy. While the rate increases by $390 for a six-month policy in the case of a speeding ticket.

Lake Clarke Shores auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2499	$416
One Med/PIP claim	$2499	$425
Not-at-fault accident	$2702	$451
Two Med/PIP claims	$2776	$471
One comp claim	$2815	$470
Child safety restraint	$2824	$480
Failure to wear a seat belt	$2824	$471
Driving without lights	$2832	$481
Failure to show documents	$2832	$473
Speeding 6 - 10 MPH over limit	$2889	$492
Improper passing	$2898	$482
Passing school bus	$2898	$493
Wrong way/wrong lane	$2898	$482
Failure to stop at a red light	$2906	$495
Failure to yield	$2906	$484
Illegal turn	$2906	$495
Cell phone violation	$2914	$485
Driving with expired registration	$2914	$496
Following too closely	$2914	$485
Texting while driving	$2921	$497
Two comp claims	$2987	$497
Driving too slowly	$3003	$511
Speeding in school zone	$3003	$500
Speeding 11 - 15 MPH over limit	$3011	$512
In 65 MPH zone	$3117	$519
Speeding 16 - 20 MPH over limit	$3117	$530
Speeding 21 - 25 MPH over limit	$3133	$522
Open container	$3166	$538
Operating a vehicle without permission	$3166	$527
At-fault accident - less than $1000	$3435	$584
At-fault accident - $1000-$2000	$3491	$582
At-fault accident - greater than $2000	$3491	$593
Racing	$3776	$629
DUI	$3784	$644
Refusal to submit to a chemical test	$3784	$630
Driving with a suspended license	$3850	$655
Reckless driving	$3931	$655
Leaving scene of an accident/hit and run	$3972	$675

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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 Clarke Shores 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 Clarke Shores.

The cheapest car insurance premiums in Lake Clarke Shores are offered by AIG at $880 for a six-month policy. However, it can be as expensive as $1091 with companies like National General.

Lake Clarke Shores car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$880	$147
Travelers	$1400	$236
State Farm	$1700	$286
Progressive	$1717	$289
Allstate	$3125	$526
UAIC	$3443	$585
Farmers	$3720	$619
National General	$1091	$182

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 Clarke Shores are offered by Nationwide at $764. However, it can be as expensive as $3972 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Clarke Shores after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$764	$130
State Farm	$985	$166
Travelers	$1180	$199
UAIC	$1954	$326
Allstate	$2239	$377
Progressive	$3230	$538
Farmers	$3972	$675

Car Insurance Price Trends in Lake Clarke Shores, Florida

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

The average cost of full coverage in the Lake Clarke Shores remained steady at $378 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake Clarke Shores remained steady at $115 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 Clarke Shores?

The car insurance in Lake Clarke Shores is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Lake Clarke Shores?

The cheapest car insurance in Lake Clarke Shores is $236 per month for full coverage.

How much is car insurance in Lake Clarke Shores for teenagers?

Car insurance for teenagers costs $741 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 Clarke Shores?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $369 per month to insure your car in Lake Clarke Shores.

Is car insurance expensive in Lake Clarke Shores?

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

Cheapest Car Insurance Quotes in Lake Clarke Shores

Why you can trust Way?

How Much Is Car Insurance in Lake Clarke Shores

Avg. Car Insurance in Lake Clarke Shores

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Lake Clarke Shores

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Lake Clarke Shores Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Clarke Shores, FL

Way's key takeaways about car insurance in Lake Clarke Shores

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Clarke Shores

Cheapest Liability Coverage in Lake Clarke Shores, FL

Cheapest Full Coverage Car Insurance in Lake Clarke Shores

Cheapest Full Coverage Car Insurance Quotes in Lake Clarke Shores, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Clarke Shores by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lake Clarke Shores, FL increasing?

Car Insurance Premiums by Age in Lake Clarke Shores

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Clarke Shores,FL

If you are in your twenties Travelers is the best choice for car insurance in Lake Clarke Shores.

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 Clarke Shores

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

Lake Clarke Shores Car Insurance Rates by Violation

Lake Clarke Shores auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Clarke Shores after a DUI

Lake Clarke Shores car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Clarke Shores after Speeding ticket

Car Insurance Price Trends in Lake Clarke Shores, Florida

Average Car Insurance Cost in Lake Clarke Shores by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Clarke Shores, FL

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

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