Cheapest Car Insurance Quotes in Lake Park

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Lake Park 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 Park

The car insurance rate in Lake Park is $2177 for a six-month policy, which is $576 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1390, making it a popular choice for budget-conscious drivers. Rates in Lake Park 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 Park

$2177

Avg. Car Insurance in Florida

$1601

National Average

$1140

Cheapest Car Insurance Companies in Lake Park

1st place: Travelers

At $1390 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 $1478 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1720 for six months, making it the third cheapest auto insurance company in Lake Park.

Lake Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lake Park, FL is Travelers, offering policies at just $1390 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1478.

At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1300 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Park drivers find the best deals.

Cheap Car Insurance Companies in Lake Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1390	$234
State Farm	$1478	$249
Nationwide	$1720	$290
United Automobile Ins Group	$1858	$310
Progressive	$1939	$326
UAIC	$1939	$324
MetLife	$2044	$348
Farmers	$3248	$541
Mercury	$3506	$596
Allstate	$3531	$594
Metropolitan Group	$1300	$216

Key Takeaways

Way's key takeaways about car insurance in Lake Park

The auto insurance costs in Lake Park fall around $1390 for six months.
The cheapest auto insurance company in Lake Park is Patrons Insurance.
Teen drivers pay the highest rate in Lake Park at $1878 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in Lake Park

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 Park are given below.

Patrons Insurance provides the cheapest minimum car insurance coverage in Lake Park. Their Average 6 Month Premium is $170. Metropolitan Group is the most expensive at $517 for the same period.

Cheapest Liability Coverage in Lake Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Patrons Insurance	$170	$29
Travelers	$517	$87
State Farm	$549	$92
Mercury	$582	$98
Nationwide	$646	$110
Farmers	$896	$150
AIG	$913	$155
Progressive	$953	$160
United Automobile Ins Group	$978	$166
UAIC	$1058	$177
Allstate	$1220	$205
Metropolitan Group	$517	$86

Cheapest Full Coverage Car Insurance in Lake Park

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 Park is Travelers at $234 per month and $1390 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Park, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1390	$234
State Farm	$1478	$249
Nationwide	$1720	$290
United Automobile Ins Group	$1858	$310
Progressive	$1939	$326
UAIC	$1939	$324
MetLife	$2044	$348
Farmers	$3248	$541
Mercury	$3506	$596
Allstate	$3531	$594
Metropolitan Group	$1300	$216

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Average Car Insurance in Lake Park 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 Park, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Park, 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 Park'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 Park

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	$1764
40s	Travelers	$1331
50s	Travelers	$1242
60s	Travelers	$1224

Cheapest Car Insurance Rates for Teen Drivers in Lake Park,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Lake Park at $122 per month. At $11043 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$736	$122
AIG	$994	$169
Travelers	$2254	$379
State Farm	$2965	$499
UAIC	$4410	$736
United Automobile Ins Group	$4580	$779
Allstate	$6947	$1170
Mercury	$8612	$1450
Progressive	$9202	$1549
Farmers	$11043	$1878

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 Park.

As young drivers face the highest rates in Lake Park, Travelers offers the cheapest auto insurance rates at $1764 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 Park, Nationwide is the cheapest car insurance provider. At $880 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 Park is Allstate, offering rates of around $7061 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$880	$150
Mercury	$962	$160
Direct General Insurance	$1002	$170
Travelers	$1907	$321
UAIC	$1939	$329
Progressive	$3748	$624
Farmers	$4492	$764
State Farm	$6729	$1122
Allstate	$7061	$1201

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Car Insurance Rates with An Accident in Lake Park

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

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

The cheapest car insurance companies after an at-fault accident in Lake Park include Nationwide and AIG, offering $929 and $1187, respectively. National General is an expensive provider with an average six-month premium of $1438.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$929	$155
AIG	$1187	$201
Travelers	$1341	$226
State Farm	$1382	$233
United Automobile Ins Group	$2415	$403
Mercury	$2496	$420
UAIC	$2528	$422
Progressive	$3312	$558
Farmers	$4532	$755
Allstate	$6131	$1032
National General	$1438	$245

Lake Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Park FL. For example, the car insurance in Lake Park after a DUI increases to $1275 for a six month policy. While the rate increases by $387 for a six-month policy in the case of a speeding ticket.

Lake Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2481	$413
One Med/PIP claim	$2481	$422
Not-at-fault accident	$2682	$447
Two Med/PIP claims	$2755	$468
One comp claim	$2795	$466
Child safety restraint	$2803	$476
Failure to wear a seat belt	$2803	$468
Driving without lights	$2811	$477
Failure to show documents	$2811	$469
Speeding 6 - 10 MPH over limit	$2868	$488
Improper passing	$2876	$479
Passing school bus	$2876	$490
Wrong way/wrong lane	$2876	$479
Failure to stop at a red light	$2885	$491
Failure to yield	$2885	$480
Illegal turn	$2885	$491
Cell phone violation	$2893	$481
Driving with expired registration	$2893	$492
Following too closely	$2893	$481
Texting while driving	$2900	$494
Two comp claims	$2965	$494
Driving too slowly	$2981	$507
Speeding in school zone	$2981	$496
Speeding 11 - 15 MPH over limit	$2989	$509
In 65 MPH zone	$3094	$515
Speeding 16 - 20 MPH over limit	$3094	$526
Speeding 21 - 25 MPH over limit	$3110	$518
Open container	$3143	$534
Operating a vehicle without permission	$3143	$524
At-fault accident - less than $1000	$3410	$579
At-fault accident - $1000-$2000	$3465	$578
At-fault accident - greater than $2000	$3465	$589
Racing	$3748	$624
DUI	$3756	$639
Refusal to submit to a chemical test	$3756	$626
Driving with a suspended license	$3822	$650
Reckless driving	$3902	$650
Leaving scene of an accident/hit and run	$3943	$670

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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 Park 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 Park.

The cheapest car insurance premiums in Lake Park are offered by AIG at $873 for a six-month policy. However, it can be as expensive as $1083 with companies like National General.

Lake Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$873	$146
Travelers	$1390	$234
State Farm	$1688	$284
Progressive	$1704	$287
Allstate	$3102	$522
UAIC	$3418	$581
Farmers	$3692	$615
National General	$1083	$181

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 Park are offered by Nationwide at $759. However, it can be as expensive as $3943 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$759	$129
State Farm	$978	$165
Travelers	$1171	$197
UAIC	$1939	$324
Allstate	$2222	$374
Progressive	$3207	$534
Farmers	$3943	$670

Car Insurance Price Trends in Lake Park, Florida

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

The average cost of full coverage in the Lake Park remained steady at $375 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Lake Park remained steady at $114 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 Park?

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

What is the cheapest car insurance in Lake Park?

The cheapest car insurance in Lake Park is $234 per month for full coverage.

How much is car insurance in Lake Park for teenagers?

Car insurance for teenagers costs $736 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 Park?

The average cost of car insurance is $1601 for a six-month policy. It will cost around $366 per month to insure your car in Lake Park.

Is car insurance expensive in Lake Park?

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

Cheapest Car Insurance Quotes in Lake Park

Why you can trust Way?

How Much Is Car Insurance in Lake Park

Avg. Car Insurance in Lake Park

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Lake Park

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Lake Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Park, FL

Way's key takeaways about car insurance in Lake Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lake Park

Cheapest Liability Coverage in Lake Park, FL

Cheapest Full Coverage Car Insurance in Lake Park

Cheapest Full Coverage Car Insurance Quotes in Lake Park, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lake Park by Rating Factor

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

Car Insurance Premiums by Age in Lake Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lake Park,FL

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

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 Park

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

Lake Park Car Insurance Rates by Violation

Lake Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lake Park after a DUI

Lake Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lake Park after Speeding ticket

Car Insurance Price Trends in Lake Park, Florida

Average Car Insurance Cost in Lake Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lake Park, FL

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

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