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Finding the cheapest car insurance quotes in Lake Fork 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.
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 Fork
The car insurance rate in Lake Fork is $523 for a six-month policy, which is $5 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $300, making it a popular choice for budget-conscious drivers. Rates in Lake Fork 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.
At $300 for a six
month policy, American National P&C offers
the cheapest
auto
insurance rates in the city.
2nd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto
insurance rates at $324 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Idaho Farm Bureau
Idaho Farm Bureau offers auto insurance
rates at $352
for six months, making it
the third cheapest auto insurance company in Lake Fork.
Lake Fork Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lake Fork, ID is American National P&C, offering policies at just $300 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $324.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1006 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lake Fork drivers find the best deals.
Way's key takeaways about car insurance in Lake Fork
The auto insurance costs in Lake Fork fall around $300 for six
months.
The cheapest auto insurance company in Lake Fork is USAA.
Teen drivers pay the highest rate in Lake Fork at $521 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 Fork
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 Fork are given below.
USAA provides
the cheapest minimum car insurance
coverage in Lake Fork. Their Average 6 Month Premium is $112.
Nationwide is the most
expensive at $352 for the same
period.
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 Fork is American National P&C
at $51 per month and $300
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lake Fork,
ID
Get Your Car Insurance Quote in Lake Fork
Instantly!
Average Car Insurance in Lake Fork 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 Fork, ID increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lake Fork, Idaho, may be increasing due to several external factors.
Idaho 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 Fork'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 Fork
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
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Cheapest Car Insurance Rates for Teen Drivers in
Lake Fork,ID
If you are planning to get a car insurance policy for your teenage
dependent, American National P&C provides the cheapest car
insurance in the Lake Fork at $25
per
month. At $3093 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Lake Fork.
As young drivers face the highest rates in Lake Fork, N/A
offers the cheapest auto insurance rates at $N/A 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 Fork,
Idaho Farm Bureau is
the cheapest car insurance provider. At $218 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 Fork is Allstate, offering
rates of around $1435 for six
months.
Save up to $971/yr on car insurance rates in Lake Fork.
Car Insurance Rates with An Accident in Lake Fork
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 Fork, ID,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lake Fork
The cheapest car insurance companies after an at-fault accident in
Lake Fork include American National
and AutoOwners Insurance Co, offering $158
and $170,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1535.
Here is a list of driving violations that can increase your car
insurance rates in Lake Fork ID. For example, the car
insurance in Lake Fork
after a DUI increases to $488 for a six
month policy. While the rate increases by $146 for a six-month policy in the case of
a speeding ticket.
Lake Fork auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$718
$120
One Med/PIP claim
$724
$123
Not-at-fault accident
$741
$124
One comp claim
$764
$130
Failure to wear a seat belt
$776
$130
Two Med/PIP claims
$776
$132
Child safety restraint
$830
$139
Driving without lights
$830
$141
Two comp claims
$835
$140
Failure to show documents
$841
$143
Cell phone violation
$858
$144
Driving with expired registration
$858
$146
Following too closely
$858
$144
Illegal turn
$858
$146
Texting while driving
$858
$144
Wrong way/wrong lane
$858
$146
Driving too slowly
$864
$145
Failure to yield
$864
$147
Speeding 11 - 15 MPH over limit
$864
$145
Speeding 6 - 10 MPH over limit
$864
$147
Failure to stop at a red light
$870
$146
Improper passing
$876
$149
Speeding 16 - 20 MPH over limit
$876
$147
In 65 MPH zone
$882
$150
Speeding in school zone
$882
$148
Speeding 21 - 25 MPH over limit
$894
$152
Open container
$952
$158
At-fault accident - less than $1000
$958
$163
Passing school bus
$982
$163
Operating a vehicle without permission
$994
$169
At-fault accident - $1000-$2000
$1052
$175
At-fault accident - greater than $2000
$1052
$179
Driving with a suspended license
$1152
$192
Reckless driving
$1158
$197
Refusal to submit to a chemical test
$1170
$195
DUI
$1206
$205
Racing
$1206
$201
Leaving scene of an accident/hit and run
$1235
$210
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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 Fork 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 Fork.
The cheapest car insurance premiums in
Lake Fork are
offered by American National P&C at $206 for a six-month policy.
However, it can be as
expensive as $1512 with companies
like Nationwide.
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 Fork are offered by AutoOwners Insurance Co
at $148. However,
it can be as expensive as $1140
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Lake Fork after Speeding ticket
Car insurance rates in Lake Fork have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lake Fork rose by
$132 in December
compared to $131 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Lake Fork remained steady at $33 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Lake Fork by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Lake Fork. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lake Fork?
The car insurance in Lake Fork is $19 per month, which is lower than the national average.
What is the cheapest car insurance in Lake Fork?
The cheapest car insurance in Lake Fork
is $51 per month
for full coverage.
How much is car insurance in Lake Fork for teenagers?
Car insurance for teenagers costs $148 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 Fork?
The average cost of car insurance is $528 for a six-month
policy. It will cost around $88 per month to insure your
car in Lake Fork.
Is car insurance expensive in Lake Fork?
Car insurance can be expensive in Lake Fork if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lake Fork can be
affordable.
What is the best car insurance in Lake Fork,
ID?
The best car insurance company in Lake Fork
ID is
American National P&C, offering $300 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lake Fork, ID
Car Insurance Rates by State in the USA (2025 Update)
Lake Fork Car Insurance
