Cheapest Car Insurance Quotes in Lake Park

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Lake Park Car Insurance

^$ 30

/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 $831 for a six-month policy, which is $195 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $303, 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

$831

Avg. Car Insurance in Georgia

$1026

National Average

$1140

Cheapest Car Insurance Companies in Lake Park

1st place: Country Financial

At $303 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 $399 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 $534 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, GA is Country Financial, offering policies at just $303 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $399.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1164 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, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$303	$52
Auto-Owners Insurance Co	$399	$66
Farm Bureau	$534	$91
Georgia Farm Bureau	$587	$98
Auto-Owners	$856	$144
USAA	$885	$149
Progressive	$1044	$176
Mercury	$1078	$180
Allstate	$1136	$191
Esurance P&C Ins Co	$1160	$194
State Farm	$1164	$196

Key Takeaways

Way's key takeaways about car insurance in Lake Park

The auto insurance costs in Lake Park fall around $303 for six months.
The cheapest auto insurance company in Lake Park is AutoOwners Insurance Co.
Teen drivers pay the highest rate in Lake Park at $996 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.

AutoOwners Insurance Co provides the cheapest minimum car insurance coverage in Lake Park. Their Average 6 Month Premium is $178. Allstate is the most expensive at $611 for the same period.

Cheapest Liability Coverage in Lake Park, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$178	$30
Farm Bureau	$226	$38
Georgia Farm Bureau	$241	$41
Auto-Owners	$288	$49
Mercury	$288	$49
Country Financial	$308	$52
USAA	$322	$54
Progressive	$356	$60
Central Insurance	$375	$62
State Farm	$553	$93
Allstate	$611	$103

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 Country Financial at $52 per month and $303 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake Park, GA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$303	$52
Auto-Owners Insurance Co	$399	$66
Farm Bureau	$534	$91
Georgia Farm Bureau	$587	$98
Auto-Owners	$856	$144
USAA	$885	$149
Progressive	$1044	$176
Mercury	$1078	$180
Allstate	$1136	$191
Esurance P&C Ins Co	$1160	$194
State Farm	$1164	$196

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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, GA increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake Park, 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 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	Georgia Farm Bureau	$575
30s	Georgia Farm Bureau	$460
40s	Georgia Farm Bureau	$441
50s	Georgia Farm Bureau	$423
60s	Georgia Farm Bureau	$420
70s	Georgia Farm Bureau	$508

Cheapest Car Insurance Rates for Teen Drivers in Lake Park,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 Park at $42 per month. At $5918 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	$255	$42
Mercury	$303	$52
Country Financial	$361	$61
Central Insurance	$375	$64
USAA	$1424	$240
Auto-Owners	$1564	$263
Georgia Farm Bureau	$1631	$272
Farm Bureau	$1703	$290
State Farm	$4219	$710
Allstate	$4244	$714
Progressive	$5918	$996

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 Park.

As young drivers face the highest rates in Lake Park, Georgia Farm Bureau offers the cheapest auto insurance rates at $575 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, Country Financial is the cheapest car insurance provider. At $250 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 State Farm, offering rates of around $3633 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Country Financial	$250	$41
Mercury	$293	$50
Farm Bureau	$534	$89
USAA	$1160	$197
Progressive	$1790	$298
Auto-Owners	$1882	$320
Allstate	$2049	$342
State Farm	$3633	$618

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

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, GA, 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 AutoOwners Insurance Co and Country Financial, offering $265 and $409, respectively. Allstate is an expensive provider with an average six-month premium of $1742.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$265	$44
Country Financial	$409	$69
Encompass	$452	$75
Central Insurance	$496	$84
Farm Bureau	$587	$98
Georgia Farm Bureau	$722	$123
Auto-Owners	$731	$123
USAA	$784	$132
Progressive	$1448	$244
State Farm	$1468	$247
Allstate	$1742	$293

Lake Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake Park GA. For example, the car insurance in Lake Park after a DUI increases to $875 for a six month policy. While the rate increases by $274 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	$1030	$172
One Med/PIP claim	$1030	$175
One comp claim	$1034	$173
Two Med/PIP claims	$1034	$176
Not-at-fault accident	$1039	$173
Two comp claims	$1054	$179
Driving without lights	$1242	$207
Failure to wear a seat belt	$1242	$211
Child safety restraint	$1256	$209
Failure to show documents	$1256	$214
Cell phone violation	$1285	$214
Texting while driving	$1285	$219
Driving too slowly	$1304	$217
Speeding 6 - 10 MPH over limit	$1304	$222
Speeding in school zone	$1304	$217
Speeding 11 - 15 MPH over limit	$1309	$223
Driving with expired registration	$1314	$219
Failure to yield	$1314	$224
Following too closely	$1314	$219
Illegal turn	$1314	$224
Failure to stop at a red light	$1319	$220
Improper passing	$1319	$224
Speeding 16 - 20 MPH over limit	$1319	$220
Wrong way/wrong lane	$1319	$224
Speeding 21 - 25 MPH over limit	$1332	$222
Passing school bus	$1357	$231
In 65 MPH zone	$1362	$227
Open container	$1381	$235
At-fault accident - less than $1000	$1386	$231
Operating a vehicle without permission	$1405	$239
At-fault accident - $1000-$2000	$1511	$252
At-fault accident - greater than $2000	$1520	$258
Refusal to submit to a chemical test	$1780	$296
Reckless driving	$1833	$312
Racing	$1877	$313
Driving with a suspended license	$1882	$320
DUI	$1905	$318
Leaving scene of an accident/hit and run	$1954	$332

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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 Mercury at $308 for a six-month policy. However, it can be as expensive as $1386 with companies like Progressive.

Lake Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$308	$53
Auto-Owners Insurance Co	$399	$66
Country Financial	$433	$73
Esurance P&C Ins Co	$597	$100
Auto-Owners	$953	$160
Farm Bureau	$1034	$173
USAA	$1121	$189
Georgia Farm Bureau	$1160	$194
State Farm	$1256	$211
Allstate	$1328	$224
Progressive	$1386	$233

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 AutoOwners Insurance Co at $207. However, it can be as expensive as $1573 with companies like Progressive for a similar six-month premium.

Cheapest Car Insurance in Lake Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$207	$35
Country Financial	$226	$38
Mercury	$322	$55
Farm Bureau	$587	$98
Auto-Owners	$717	$122
USAA	$779	$130
State Farm	$1020	$173
Allstate	$1386	$231
Progressive	$1573	$267

Car Insurance Price Trends in Lake Park, Georgia

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 rose by $182 in December compared to $179 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Lake Park rose to $58 in December, compared to $55 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lake Park?

The car insurance in Lake Park is $30 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 $52 per month for full coverage.

How much is car insurance in Lake Park for teenagers?

Car insurance for teenagers costs $255 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 $1026 for a six-month policy. It will cost around $139 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 Georgia

National Average

Cheapest Car Insurance Companies in Lake Park

1st place: Country Financial

2nd place: AutoOwners Insurance Co

3rd place: Farm Bureau

Lake Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake Park, GA

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, GA

Cheapest Full Coverage Car Insurance in Lake Park

Cheapest Full Coverage Car Insurance Quotes in Lake Park, GA

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, GA 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,GA

If you are in your twenties Georgia Farm Bureau 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, Georgia

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, GA

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

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