Cheapest Car Insurance Quotes in Lake City

Finding the cheapest car insurance quotes in Lake City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Lake City Car Insurance

^$ 51

/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 $1416 for a six-month policy, which is $390 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $516, 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

$1416

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Lake City

1st place: Country Financial

At $516 for a six month policy, Country Financial offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $680 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farm Bureau

Farm Bureau offers auto insurance rates at $909 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, GA is Country Financial, offering policies at just $516 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $680.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1983 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, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$516	$88
Auto-Owners Insurance Co	$680	$113
Farm Bureau	$909	$155
Georgia Farm Bureau	$1000	$167
Auto-Owners	$1459	$246
USAA	$1508	$254
Progressive	$1779	$299
Mercury	$1837	$306
Allstate	$1935	$326
Esurance P&C Ins Co	$1976	$330
State Farm	$1983	$334

Key Takeaways

Way's key takeaways about car insurance in Lake City

The auto insurance costs in Lake City fall around $516 for six months.
The cheapest auto insurance company in Lake City is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Lake City at $1697 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 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.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Lake City. Their Average 6 Month Premium is $304. Allstate is the most expensive at $1041 for the same period.

Cheapest Liability Coverage in Lake City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$304	$51
Farm Bureau	$385	$65
Georgia Farm Bureau	$410	$69
Auto-Owners	$491	$83
Mercury	$491	$83
Country Financial	$524	$88
USAA	$549	$92
Progressive	$607	$102
Central Insurance	$639	$106
State Farm	$943	$159
Allstate	$1041	$175

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 Country Financial at $88 per month and $516 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$516	$88
Auto-Owners Insurance Co	$680	$113
Farm Bureau	$909	$155
Georgia Farm Bureau	$1000	$167
Auto-Owners	$1459	$246
USAA	$1508	$254
Progressive	$1779	$299
Mercury	$1837	$306
Allstate	$1935	$326
Esurance P&C Ins Co	$1976	$330
State Farm	$1983	$334

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Lake City Instantly!

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, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake City, Georgia, may be increasing due to several external factors. Georgia 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Georgia Farm Bureau	$980
30s	Georgia Farm Bureau	$784
40s	Georgia Farm Bureau	$752
50s	Georgia Farm Bureau	$720
60s	Georgia Farm Bureau	$715
70s	Georgia Farm Bureau	$865

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

If you are planning to get a car insurance policy for your teenage dependent, AutoOwners Insurance Co provides the cheapest car insurance in the Lake City at $72 per month. At $10082 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$435	$72
Mercury	$516	$88
Country Financial	$615	$103
Central Insurance	$639	$109
USAA	$2426	$408
Auto-Owners	$2665	$448
Georgia Farm Bureau	$2779	$464
Farm Bureau	$2902	$494
State Farm	$7188	$1210
Allstate	$7230	$1217
Progressive	$10082	$1697

Teen Car Insurance Rates in GA by Age

Way Tip

If you are in your twenties Georgia Farm Bureau is the best choice for car insurance in Lake City.

As young drivers face the highest rates in Lake City, Georgia Farm Bureau offers the cheapest auto insurance rates at $980 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 City, Country Financial is the cheapest car insurance provider. At $426 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 $6189 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$426	$70
Mercury	$500	$86
Farm Bureau	$909	$152
USAA	$1976	$335
Progressive	$3050	$508
Auto-Owners	$3206	$545
Allstate	$3491	$582
State Farm	$6189	$1053

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, GA, 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 AutoOwners Insurance Co and Country Financial, offering $451 and $697, respectively. Allstate is an expensive provider with an average six-month premium of $2967.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$451	$75
Country Financial	$697	$117
Encompass	$770	$128
Central Insurance	$845	$144
Farm Bureau	$1000	$167
Georgia Farm Bureau	$1230	$210
Auto-Owners	$1246	$210
USAA	$1336	$225
Progressive	$2467	$415
State Farm	$2501	$421
Allstate	$2967	$500

Lake City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake City GA. For example, the car insurance in Lake City after a DUI increases to $1492 for a six month policy. While the rate increases by $468 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	$1754	$293
One Med/PIP claim	$1754	$298
One comp claim	$1762	$294
Two Med/PIP claims	$1762	$299
Not-at-fault accident	$1771	$295
Two comp claims	$1795	$305
Driving without lights	$2116	$352
Failure to wear a seat belt	$2116	$360
Child safety restraint	$2139	$356
Failure to show documents	$2139	$364
Cell phone violation	$2189	$364
Texting while driving	$2189	$373
Driving too slowly	$2222	$370
Speeding 6 - 10 MPH over limit	$2222	$378
Speeding in school zone	$2222	$370
Speeding 11 - 15 MPH over limit	$2230	$379
Driving with expired registration	$2238	$373
Failure to yield	$2238	$381
Following too closely	$2238	$373
Illegal turn	$2238	$381
Failure to stop at a red light	$2247	$374
Improper passing	$2247	$382
Speeding 16 - 20 MPH over limit	$2247	$374
Wrong way/wrong lane	$2247	$382
Speeding 21 - 25 MPH over limit	$2270	$378
Passing school bus	$2312	$393
In 65 MPH zone	$2320	$386
Open container	$2353	$400
At-fault accident - less than $1000	$2361	$393
Operating a vehicle without permission	$2393	$407
At-fault accident - $1000-$2000	$2574	$429
At-fault accident - greater than $2000	$2590	$440
Refusal to submit to a chemical test	$3033	$505
Reckless driving	$3123	$531
Racing	$3197	$533
Driving with a suspended license	$3206	$545
DUI	$3246	$541
Leaving scene of an accident/hit and run	$3329	$566

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Mercury at $524 for a six-month policy. However, it can be as expensive as $2361 with companies like Progressive.

Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$524	$90
Auto-Owners Insurance Co	$680	$113
Country Financial	$738	$124
Esurance P&C Ins Co	$1017	$170
Auto-Owners	$1623	$273
Farm Bureau	$1762	$294
USAA	$1910	$322
Georgia Farm Bureau	$1976	$330
State Farm	$2139	$360
Allstate	$2262	$381
Progressive	$2361	$397

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 AutoOwners Insurance Co at $352. However, it can be as expensive as $2680 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Lake City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$352	$59
Country Financial	$385	$65
Mercury	$549	$94
Farm Bureau	$1000	$167
Auto-Owners	$1221	$207
USAA	$1328	$221
State Farm	$1737	$295
Allstate	$2361	$393
Progressive	$2680	$455

Car Insurance Price Trends in Lake City, Georgia

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 rose by $311 in December compared to $305 of November. In other words, there has been an increase by $6 when you compare December and November.

The average cost of liability insurance in the Lake City rose to $99 in December, compared to $94 in November. This represents an increase of $5 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Lake City?

The car insurance in Lake City is $51 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 $88 per month for full coverage.

How much is car insurance in Lake City for teenagers?

Car insurance for teenagers costs $435 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 $1026 for a six-month policy. It will cost around $237 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 Georgia

National Average

Cheapest Car Insurance Companies in Lake City

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Lake City Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake City, GA

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, GA

Cheapest Full Coverage Car Insurance in Lake City

Cheapest Full Coverage Car Insurance Quotes in Lake City, GA

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, GA 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,GA

If you are in your twenties Georgia Farm Bureau 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, Georgia

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, GA

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

Featured Blogs

Data Sources