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 $1137 for a six-month policy, which is $84 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $475, 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

$1137

Avg. Car Insurance in Kansas

$1053

National Average

$1278

Cheapest Car Insurance Companies in Lake City

1st place: American Family

At $475 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $500 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $796 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 American Family, offering policies at just $475 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $500.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $2073 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
American Family	$475	$79
Auto-Owners Insurance Co	$500	$85
USAA	$796	$134
Travelers	$814	$137
Shelter	$995	$167
Auto-Owners	$1058	$180
State Farm	$1174	$198
Nationwide	$1226	$206
Farmers	$1283	$216
Progressive	$1309	$220
Encompass	$1360	$227
Allstate	$1726	$291
Farm Bureau	$2073	$346

Key Takeaways

Way's key takeaways about car insurance in Lake City

The auto insurance costs in Lake City fall around $475 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 $1213 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 $179. Encompass is the most expensive at $257 for the same period.

Cheapest Liability Coverage in Lake City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$179	$30
USAA	$179	$30
Iowa Farm Bureau	$225	$38
Farmers Union Insurance	$238	$40
American Family	$251	$42
Travelers	$251	$42
Auto-Owners	$257	$43
Electric	$257	$43
Kansas Farm Bureau	$269	$45
State Farm	$301	$51
Progressive	$340	$57
Shelter	$347	$58
Farm Bureau	$436	$75
Farmers	$482	$81
Allstate	$629	$106
Nationwide	$764	$127
Encompass	$257	$43

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 American Family at $79 per month and $475 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake City, KS

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$475	$79
Auto-Owners Insurance Co	$500	$85
USAA	$796	$134
Travelers	$814	$137
Shelter	$995	$167
Auto-Owners	$1058	$180
State Farm	$1174	$198
Nationwide	$1226	$206
Farmers	$1283	$216
Progressive	$1309	$220
Encompass	$1360	$227
Allstate	$1726	$291
Farm Bureau	$2073	$346

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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	$810
30s	Nationwide	$696
40s	Nationwide	$564
50s	Nationwide	$516
60s	Nationwide	$492
70s	Nationwide	$534

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 $40 per month. At $7275 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$238	$40
Iowa Farm Bureau	$264	$44
Farmers Union Insurance	$275	$46
American Family	$301	$51
Kansas Farm Bureau	$353	$60
Travelers	$917	$154
USAA	$1558	$262
State Farm	$2547	$429
Shelter	$2835	$477
Progressive	$2939	$495
Farmers	$3092	$521
Farm Bureau	$4401	$733
Allstate	$5145	$866
Nationwide	$7275	$1213

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 $810 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, American Family is the cheapest car insurance provider. At $423 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 $6582 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$423	$72
Iowa Farm Bureau	$430	$71
Farmers Union Insurance	$436	$75
Travelers	$1014	$171
USAA	$1161	$198
Shelter	$1405	$237
Progressive	$1437	$242
Nationwide	$1610	$271
Farmers	$1713	$288
Allstate	$2989	$498
Farm Bureau	$3804	$647
State Farm	$6582	$1097

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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 American Family, offering $218 and $251, respectively. Encompass is an expensive provider with an average six-month premium of $353.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$218	$37
American Family	$251	$42
Electric	$308	$52
Iowa Farm Bureau	$347	$59
Farmers Union Insurance	$366	$60
Auto-Owners	$384	$66
Kansas Farm Bureau	$487	$81
USAA	$661	$111
Travelers	$667	$112
State Farm	$777	$131
Shelter	$1097	$185
Progressive	$1405	$237
Farmers	$2335	$393
Allstate	$2598	$437
Farm Bureau	$2791	$465
Nationwide	$3567	$607
Encompass	$353	$60

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 $1097 for a six month policy. While the rate increases by $244 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	$1257	$210
One Med/PIP claim	$1257	$214
Not-at-fault accident	$1290	$215
Two Med/PIP claims	$1347	$229
One comp claim	$1353	$226
Failure to show documents	$1392	$237
Two comp claims	$1405	$234
Failure to wear a seat belt	$1418	$241
Child safety restraint	$1456	$243
Driving with expired registration	$1456	$247
Driving without lights	$1456	$243
Speeding 6 - 10 MPH over limit	$1501	$255
Cell phone violation	$1521	$254
Driving too slowly	$1521	$258
Texting while driving	$1521	$254
Failure to yield	$1534	$260
Following too closely	$1534	$256
Illegal turn	$1534	$260
Wrong way/wrong lane	$1534	$256
In 65 MPH zone	$1540	$261
Speeding 11 - 15 MPH over limit	$1540	$257
Failure to stop at a red light	$1547	$262
Improper passing	$1547	$258
Speeding in school zone	$1547	$262
Speeding 16 - 20 MPH over limit	$1552	$259
Open container	$1565	$266
Operating a vehicle without permission	$1578	$264
Passing school bus	$1591	$270
Speeding 21 - 25 MPH over limit	$1591	$266
At-fault accident - less than $1000	$1610	$274
At-fault accident - $1000-$2000	$1777	$296
At-fault accident - greater than $2000	$1777	$302
Racing	$1963	$327
Reckless driving	$2130	$362
Driving with a suspended license	$2309	$384
Refusal to submit to a chemical test	$2335	$397
DUI	$2354	$392
Leaving scene of an accident/hit and run	$2451	$417

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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 American Family at $288 for a six-month policy. However, it can be as expensive as $4901 with companies like Farm Bureau.

Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$288	$49
Farmers Union Insurance	$423	$72
Travelers	$699	$118
Progressive	$899	$151
State Farm	$1142	$192
USAA	$1200	$202
Farmers	$1540	$259
Shelter	$1597	$269
Allstate	$2156	$363
Nationwide	$4869	$828
Farm Bureau	$4901	$816

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 $282. However, it can be as expensive as $2926 with companies like Nationwide 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	$282	$48
American Family	$288	$49
Auto-Owners Insurance Co	$295	$50
Farmers Union Insurance	$314	$53
State Farm	$764	$129
Travelers	$777	$131
USAA	$789	$132
Progressive	$1071	$180
Farmers	$1444	$243
Shelter	$1482	$252
Allstate	$2162	$361
Farm Bureau	$2598	$442
Nationwide	$2926	$487

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 $235 in January compared to $200 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Lake City rose to $54 in January, compared to $50 in December. This represents an increase of $4 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 $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 $79 per month for full coverage.

How much is car insurance in Lake City for teenagers?

Car insurance for teenagers costs $238 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 $191 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: American Family

2nd place: AutoOwners Insurance Co

3rd place: USAA

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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