Cheapest Car Insurance Quotes in Lake City

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Lake City Car Insurance

^$ 57

/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 $1611 for a six-month policy, which is $558 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $572, 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

$1611

Avg. Car Insurance in Georgia

$1053

National Average

$1278

Cheapest Car Insurance Companies in Lake City

1st place: Country Financial

At $572 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 $754 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Georgia Farm Bureau

Georgia Farm Bureau offers auto insurance rates at $1109 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 $572 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $754.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $2590 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	$572	$95
Auto-Owners Insurance Co	$754	$129
Georgia Farm Bureau	$1109	$185
Farm Bureau	$1218	$207
Auto-Owners	$1709	$288
USAA	$1709	$288
Progressive	$1763	$297
Mercury	$2036	$346
Allstate	$2081	$350
Esurance P&C Ins Co	$2191	$372
State Farm	$2590	$436

Key Takeaways

Way's key takeaways about car insurance in Lake City

The auto insurance costs in Lake City fall around $572 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 $1553 per month.

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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 $337. State Farm is the most expensive at $1190 for the same period.

Cheapest Liability Coverage in Lake City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$337	$57
Georgia Farm Bureau	$454	$77
Farm Bureau	$500	$86
Mercury	$545	$92
Auto-Owners	$563	$95
Country Financial	$581	$98
USAA	$627	$106
Progressive	$636	$107
Central Insurance	$708	$121
Allstate	$1027	$171
State Farm	$1190	$200

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 $95 per month and $572 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake City, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$572	$95
Auto-Owners Insurance Co	$754	$129
Georgia Farm Bureau	$1109	$185
Farm Bureau	$1218	$207
Auto-Owners	$1709	$288
USAA	$1709	$288
Progressive	$1763	$297
Mercury	$2036	$346
Allstate	$2081	$350
Esurance P&C Ins Co	$2191	$372
State Farm	$2590	$436

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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, 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

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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 $80 per month. At $9224 for a six-month premium, State Farm offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$482	$80
Mercury	$572	$98
Country Financial	$682	$115
Central Insurance	$708	$121
USAA	$2826	$476
Georgia Farm Bureau	$3081	$523
Auto-Owners	$3271	$551
Farm Bureau	$3917	$666
Allstate	$7234	$1206
Progressive	$9224	$1553
State Farm	$9224	$1553

Teen Car Insurance Rates in GA 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, Country Financial is the cheapest car insurance provider. At $473 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 Allstate, offering rates of around $3871 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$473	$78
Mercury	$554	$95
Farm Bureau	$1218	$203
Progressive	$2309	$393
USAA	$2463	$410
Auto-Owners	$4489	$763
State Farm	$9907	$1651
Allstate	$3871	$646

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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 $500 and $773, respectively. State Farm is an expensive provider with an average six-month premium of $3172.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$500	$83
Country Financial	$773	$130
Encompass	$854	$142
Central Insurance	$936	$159
Farm Bureau	$1336	$223
Georgia Farm Bureau	$1363	$233
Auto-Owners	$1509	$254
USAA	$1536	$259
Progressive	$2191	$369
Allstate	$2899	$493
State Farm	$3172	$534

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 $1654 for a six month policy. While the rate increases by $518 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	$1945	$324
One Med/PIP claim	$1945	$330
One comp claim	$1954	$326
Two Med/PIP claims	$1954	$332
Not-at-fault accident	$1963	$327
Two comp claims	$1991	$338
Driving without lights	$2345	$390
Failure to wear a seat belt	$2345	$399
Child safety restraint	$2372	$395
Failure to show documents	$2372	$404
Cell phone violation	$2427	$404
Texting while driving	$2427	$413
Driving too slowly	$2463	$410
Speeding 6 - 10 MPH over limit	$2463	$419
Speeding in school zone	$2463	$410
Speeding 11 - 15 MPH over limit	$2472	$421
Driving with expired registration	$2482	$413
Failure to yield	$2482	$422
Following too closely	$2482	$413
Illegal turn	$2482	$422
Failure to stop at a red light	$2491	$415
Improper passing	$2491	$424
Speeding 16 - 20 MPH over limit	$2491	$415
Wrong way/wrong lane	$2491	$424
Speeding 21 - 25 MPH over limit	$2517	$419
Passing school bus	$2563	$436
In 65 MPH zone	$2572	$428
Open container	$2609	$444
At-fault accident - less than $1000	$2618	$436
Operating a vehicle without permission	$2653	$451
At-fault accident - $1000-$2000	$2853	$476
At-fault accident - greater than $2000	$2872	$488
Refusal to submit to a chemical test	$3363	$560
Reckless driving	$3462	$589
Racing	$3545	$591
Driving with a suspended license	$3554	$604
DUI	$3599	$600
Leaving scene of an accident/hit and run	$3690	$627

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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 Mercury at $581 for a six-month policy. However, it can be as expensive as $2945 with companies like State Farm.

Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$581	$99
Auto-Owners Insurance Co	$754	$125
Country Financial	$819	$138
Esurance P&C Ins Co	$1128	$188
Allstate	$1854	$315
Auto-Owners	$2027	$341
Georgia Farm Bureau	$2191	$372
Progressive	$2199	$370
USAA	$2235	$376
Farm Bureau	$2372	$395
State Farm	$2945	$496

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 $390. However, it can be as expensive as $2618 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
Auto-Owners Insurance Co	$390	$66
Country Financial	$427	$72
Mercury	$609	$101
Farm Bureau	$1336	$226
USAA	$1681	$280
Auto-Owners	$1727	$294
Progressive	$1818	$303
State Farm	$2782	$473
Allstate	$2618	$436

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 dipped by $327 in January compared to $344 of December. In other words, there has been an decrease by $17 when you compare January and December.

The average cost of liability insurance in the Lake City dipped to $109 in January, compared to $110 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lake City?

The car insurance in Lake City is $57 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 $95 per month for full coverage.

How much is car insurance in Lake City for teenagers?

Car insurance for teenagers costs $482 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 $1053 for a six-month policy. It will cost around $271 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: Georgia 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 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, 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)

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