Cheapest Car Insurance Quotes in Lake City

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Lake City 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 City

The car insurance rate in Lake City is $1070 for a six-month policy, which is $106 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $514, 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

$1070

Avg. Car Insurance in Kansas

$964

National Average

$1140

Cheapest Car Insurance Companies in Lake City

1st place: AutoOwners Insurance Co

At $514 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $758 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $805 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, KS is AutoOwners Insurance Co, offering policies at just $514 for a six-month term. This is followed by Travelers, which has an average six-month premium of $758.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1707 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, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$514	$85
Travelers	$758	$128
American Family	$805	$135
USAA	$805	$135
Nationwide	$877	$148
Shelter	$949	$160
Auto-Owners	$1088	$181
State Farm	$1101	$185
Progressive	$1207	$203
Farmers	$1240	$209
Encompass	$1397	$233
Farm Bureau	$1471	$250
Allstate	$1707	$287

Key Takeaways

Way's key takeaways about car insurance in Lake City

The auto insurance costs in Lake City fall around $514 for six months.
The cheapest auto insurance company in Lake City is USAA.
Teen drivers pay the highest rate in Lake City at $854 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.

USAA provides the cheapest minimum car insurance coverage in Lake City. Their Average 6 Month Premium is $178. Encompass is the most expensive at $264 for the same period.

Cheapest Liability Coverage in Lake City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$178	$30
Auto-Owners Insurance Co	$184	$31
Iowa Farm Bureau	$231	$39
Farmers Union Insurance	$244	$41
Travelers	$251	$42
Auto-Owners	$264	$44
Electric	$264	$44
Kansas Farm Bureau	$276	$47
Progressive	$283	$48
American Family	$290	$49
State Farm	$290	$49
Farm Bureau	$296	$50
Shelter	$336	$57
Farmers	$482	$81
Allstate	$639	$108
Encompass	$264	$44

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 AutoOwners Insurance Co at $85 per month and $514 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$514	$85
Travelers	$758	$128
American Family	$805	$135
USAA	$805	$135
Nationwide	$877	$148
Shelter	$949	$160
Auto-Owners	$1088	$181
State Farm	$1101	$185
Progressive	$1207	$203
Farmers	$1240	$209
Encompass	$1397	$233
Farm Bureau	$1471	$250
Allstate	$1707	$287

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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, KS increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake City, Kansas, may be increasing due to several external factors. Kansas 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	Nationwide	$848
30s	Nationwide	$729
40s	Nationwide	$591
50s	Nationwide	$541
60s	Nationwide	$515
70s	Nationwide	$559

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

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 $41 per month. At $5070 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$244	$41
Iowa Farm Bureau	$271	$46
Farmers Union Insurance	$283	$48
Kansas Farm Bureau	$363	$60
Travelers	$785	$132
American Family	$1384	$233
USAA	$1642	$276
State Farm	$2314	$390
Shelter	$2579	$434
Progressive	$2597	$437
Farmers	$2994	$504
Farm Bureau	$3310	$552
Allstate	$5070	$854

Teen Car Insurance Rates in KS by Age

Way Tip

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

As young drivers face the highest rates in Lake City, Nationwide offers the cheapest auto insurance rates at $848 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, Iowa Farm Bureau is the cheapest car insurance provider. At $442 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 $4655 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$442	$75
Farmers Union Insurance	$448	$74
Nationwide	$482	$82
Travelers	$844	$142
USAA	$1074	$183
Progressive	$1101	$185
Shelter	$1193	$201
American Family	$1220	$205
Farmers	$1583	$266
Farm Bureau	$2716	$453
Allstate	$2848	$484
State Farm	$4655	$776

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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, KS, 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 Electric, offering $224 and $316, respectively. Encompass is an expensive provider with an average six-month premium of $363.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$224	$38
Electric	$316	$53
Iowa Farm Bureau	$356	$59
Farmers Union Insurance	$376	$64
Auto-Owners	$395	$65
Kansas Farm Bureau	$501	$85
Travelers	$567	$95
USAA	$653	$110
State Farm	$725	$122
American Family	$771	$130
Shelter	$1016	$171
Progressive	$1279	$215
Farmers	$2222	$374
Farm Bureau	$2229	$379
Allstate	$2466	$415
Encompass	$363	$62

Lake City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake City KS. For example, the car insurance in Lake City after a DUI increases to $1128 for a six month policy. While the rate increases by $251 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	$1292	$215
One Med/PIP claim	$1292	$220
Not-at-fault accident	$1325	$221
Two Med/PIP claims	$1384	$235
One comp claim	$1391	$232
Failure to show documents	$1431	$243
Two comp claims	$1444	$241
Failure to wear a seat belt	$1457	$248
Child safety restraint	$1496	$250
Driving with expired registration	$1496	$254
Driving without lights	$1496	$250
Speeding 6 - 10 MPH over limit	$1543	$262
Cell phone violation	$1563	$261
Driving too slowly	$1563	$265
Texting while driving	$1563	$261
Failure to yield	$1576	$268
Following too closely	$1576	$263
Illegal turn	$1576	$268
Wrong way/wrong lane	$1576	$263
In 65 MPH zone	$1583	$269
Speeding 11 - 15 MPH over limit	$1583	$264
Failure to stop at a red light	$1590	$270
Improper passing	$1590	$265
Speeding in school zone	$1590	$270
Speeding 16 - 20 MPH over limit	$1595	$266
Open container	$1608	$273
Operating a vehicle without permission	$1622	$271
Passing school bus	$1635	$278
Speeding 21 - 25 MPH over limit	$1635	$273
At-fault accident - less than $1000	$1655	$282
At-fault accident - $1000-$2000	$1826	$304
At-fault accident - greater than $2000	$1826	$311
Racing	$2018	$336
Reckless driving	$2189	$372
Driving with a suspended license	$2373	$395
Refusal to submit to a chemical test	$2400	$408
DUI	$2420	$403
Leaving scene of an accident/hit and run	$2519	$428

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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 Farmers Union Insurance at $435 for a six-month policy. However, it can be as expensive as $3494 with companies like Farm Bureau.

Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Union Insurance	$435	$74
Travelers	$601	$101
American Family	$713	$120
Progressive	$805	$135
State Farm	$982	$165
USAA	$1265	$213
Shelter	$1451	$244
Farmers	$1477	$249
Allstate	$2123	$357
Farm Bureau	$3494	$583

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 Iowa Farm Bureau at $290. However, it can be as expensive as $3772 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
Iowa Farm Bureau	$290	$49
Auto-Owners Insurance Co	$303	$51
Farmers Union Insurance	$323	$54
Travelers	$639	$108
American Family	$693	$117
USAA	$699	$117
State Farm	$713	$120
Progressive	$956	$161
Farm Bureau	$1260	$214
Shelter	$1404	$234
Farmers	$1510	$254
Allstate	$3772	$628

Car Insurance Price Trends in Lake City, Kansas

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 $205 in December compared to $204 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 City rose to $51 in December, compared to $50 in November. This represents an increase of $1 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Lake City?

The car insurance in Lake City is $30 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 $85 per month for full coverage.

How much is car insurance in Lake City for teenagers?

Car insurance for teenagers costs $244 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 $964 for a six-month policy. It will cost around $180 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 Kansas

National Average

Cheapest Car Insurance Companies in Lake City

1st place: AutoOwners Insurance Co

2nd place: Travelers

3rd place: American Family

Lake City Car Insurance Rates by Company

Cheap Car Insurance Companies in Lake City, KS

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, KS

Cheapest Full Coverage Car Insurance in Lake City

Cheapest Full Coverage Car Insurance Quotes in Lake City, KS

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, KS 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,KS

If you are in your twenties Nationwide 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, Kansas

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, KS

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

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