Cheapest Car Insurance Quotes in Lake City

Finding the cheapest car insurance quotes in Lake City 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Lake City Car Insurance

^$ 27

/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 $801 for a six-month policy, which is $45 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $359, 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

$801

Avg. Car Insurance in South Carolina

$756

National Average

$1140

Cheapest Car Insurance Companies in Lake City

1st place: American National P&C

At $359 for a six month policy, American National P&C offers the cheapest auto insurance rates in the city.

2nd place: South Carolina Farm Bureau

South Carolina Farm Bureau offers auto insurance rates at $466 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American National

American National offers auto insurance rates at $516 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, SC is American National P&C, offering policies at just $359 for a six-month term. This is followed by South Carolina Farm Bureau, which has an average six-month premium of $466.

At the higher end of the spectrum, State Farm is the most expensive, with rates reaching $1114 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, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$359	$61
South Carolina Farm Bureau	$466	$77
American National	$516	$87
Auto-Owners Insurance Co	$535	$89
American Family	$812	$138
Farm Bureau	$818	$137
Encompass	$837	$142
Auto-Owners	$906	$153
USAA	$906	$153
Travelers	$938	$158
Progressive	$951	$160
Nationwide	$995	$165
Allstate	$1064	$179
State Farm	$1114	$188

Key Takeaways

Way's key takeaways about car insurance in Lake City

The auto insurance costs in Lake City fall around $359 for six months.
The cheapest auto insurance company in Lake City is American National.
Teen drivers pay the highest rate in Lake City at $29 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 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.

American National provides the cheapest minimum car insurance coverage in Lake City. Their Average 6 Month Premium is $158. State Farm is the most expensive at $504 for the same period.

Cheapest Liability Coverage in Lake City, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$158	$27
American National P&C	$195	$33
Encompass	$233	$39
USAA	$233	$39
South Carolina Farm Bureau	$252	$42
Auto-Owners Insurance Co	$283	$48
American Family	$347	$59
Progressive	$359	$60
Auto-Owners	$384	$65
Farm Bureau	$390	$65
Travelers	$428	$72
Allstate	$441	$74
Nationwide	$478	$82
State Farm	$504	$85

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 National P&C at $61 per month and $359 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake City, SC

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$359	$61
South Carolina Farm Bureau	$466	$77
American National	$516	$87
Auto-Owners Insurance Co	$535	$89
American Family	$812	$138
Farm Bureau	$818	$137
Encompass	$837	$142
Auto-Owners	$906	$153
USAA	$906	$153
Travelers	$938	$158
Progressive	$951	$160
Nationwide	$995	$165
Allstate	$1064	$179
State Farm	$1114	$188

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Lake City Instantly!

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, SC increasing?

Despite maintaining a clean driving record, your car insurance rates in Lake City, South Carolina, may be increasing due to several external factors. South Carolina 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

undefined

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

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 City at $38 per month. At $170 for a six-month premium, American National offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$227	$38
South Carolina Farm Bureau	$328	$56
Auto-Owners Insurance Co	$359	$59
American Family	$390	$67
Travelers	$1411	$237
Farm Bureau	$1512	$257
Allstate	$1863	$314
USAA	$1870	$315
Auto-Owners	$2456	$413
Progressive	$2651	$446
State Farm	$2764	$465
Nationwide	$3608	$614
American National	$170	$29

Teen Car Insurance Rates in SC 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, South Carolina Farm Bureau 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 State Farm, offering rates of around $3929 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
South Carolina Farm Bureau	$473	$78
American National P&C	$661	$112
American Family	$756	$126
Auto-Owners Insurance Co	$793	$135
USAA	$1013	$169
Progressive	$1184	$199
Travelers	$1208	$204
Allstate	$1360	$229
Farm Bureau	$1473	$246
Nationwide	$1518	$258
Auto-Owners	$2343	$390
State Farm	$3929	$668

Escape the Trap of Rising Insurance Costs.

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, SC, 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 American National and American National P&C, offering $201 and $259, respectively. Allstate is an expensive provider with an average six-month premium of $1940.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$201	$34
American National P&C	$259	$43
Encompass	$289	$49
South Carolina Farm Bureau	$321	$55
American Family	$359	$59
Auto-Owners Insurance Co	$409	$70
Farm Bureau	$906	$153
Travelers	$919	$155
USAA	$951	$160
Auto-Owners	$1020	$172
Progressive	$1259	$212
State Farm	$1473	$248
Nationwide	$1921	$320
Allstate	$1940	$326

Lake City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake City SC. For example, the car insurance in Lake City after a DUI increases to $737 for a six month policy. While the rate increases by $321 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	$1272	$212
One Med/PIP claim	$1272	$216
Not-at-fault accident	$1341	$224
Two Med/PIP claims	$1354	$230
One comp claim	$1360	$227
Two comp claims	$1405	$239
Failure to wear a seat belt	$1454	$243
Child safety restraint	$1486	$252
Driving without lights	$1486	$248
Failure to show documents	$1499	$254
Failure to yield	$1542	$258
Failure to stop at a red light	$1549	$263
Driving too slowly	$1593	$265
Speeding 6 - 10 MPH over limit	$1593	$271
Speeding in school zone	$1593	$265
At-fault accident - less than $1000	$1600	$272
In 65 MPH zone	$1600	$266
Driving with expired registration	$1606	$273
Following too closely	$1606	$267
Illegal turn	$1606	$273
Speeding 11 - 15 MPH over limit	$1606	$267
Wrong way/wrong lane	$1606	$273
Cell phone violation	$1612	$268
Texting while driving	$1612	$275
Improper passing	$1619	$269
Operating a vehicle without permission	$1619	$276
Speeding 16 - 20 MPH over limit	$1619	$269
Speeding 21 - 25 MPH over limit	$1619	$276
Passing school bus	$1643	$273
Open container	$1656	$282
At-fault accident - $1000-$2000	$1826	$304
At-fault accident - greater than $2000	$1826	$311
Refusal to submit to a chemical test	$1983	$331
DUI	$2009	$341
Reckless driving	$2059	$343
Driving with a suspended license	$2065	$351
Racing	$2071	$346
Leaving scene of an accident/hit and run	$2141	$364

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 National P&C at $289 for a six-month policy. However, it can be as expensive as $246 with companies like American National.

Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$289	$49
American Family	$302	$51
South Carolina Farm Bureau	$308	$52
Auto-Owners Insurance Co	$642	$109
Farm Bureau	$762	$128
Travelers	$913	$154
Progressive	$951	$160
USAA	$1001	$169
State Farm	$1165	$196
Allstate	$1335	$225
Auto-Owners	$1675	$279
Nationwide	$1833	$312
American National	$246	$41

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 American National P&C at $259. However, it can be as expensive as $1190 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
American National P&C	$259	$43
South Carolina Farm Bureau	$289	$49
Auto-Owners Insurance Co	$321	$53
American Family	$366	$63
Auto-Owners	$769	$128
USAA	$799	$136
State Farm	$825	$139
Farm Bureau	$894	$152
Travelers	$913	$154
Progressive	$989	$166
Allstate	$1140	$192
Nationwide	$1190	$202

Car Insurance Price Trends in Lake City, South Carolina

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 $184 in December compared to $182 of November. In other words, there has been an increase by $2 when you compare December and November.

The average cost of liability insurance in the Lake City rose to $61 in December, compared to $58 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Lake City?

The car insurance in Lake City is $27 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 $61 per month for full coverage.

How much is car insurance in Lake City for teenagers?

Car insurance for teenagers costs $227 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 $756 for a six-month policy. It will cost around $135 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.

What is the best car insurance in Lake City, SC?

The best car insurance company in Lake City SC is American National P&C, offering $359 for a six-month policy.