Cheapest Car Insurance Quotes in Lake City

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Lake City Car Insurance

^$ 17

/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 $788 for a six-month policy, which is $68 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $361, 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

$788

Avg. Car Insurance in South Dakota

$856

National Average

$1140

Cheapest Car Insurance Companies in Lake City

1st place: Kemper

At $361 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $415 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $476 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, SD is Kemper, offering policies at just $361 for a six-month term. This is followed by Farmers Mutual of Nebraska, which has an average six-month premium of $415.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1082 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, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$361	$62
Farmers Mutual of Nebraska	$415	$70
Auto-Owners Insurance Co	$476	$81
American Family	$634	$107
State Farm	$771	$130
Allstate	$896	$151
USAA	$902	$152
Auto-Owners	$918	$153
Progressive	$967	$163
Nationwide	$1006	$169
North Star Mutual	$1033	$176
Farmers	$1082	$182

Key Takeaways

Way's key takeaways about car insurance in Lake City

The auto insurance costs in Lake City fall around $361 for six months.
The cheapest auto insurance company in Lake City is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in Lake City at $799 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.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in Lake City. Their Average 6 Month Premium is $98. Farmers is the most expensive at $344 for the same period.

Cheapest Liability Coverage in Lake City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$98	$17
Kemper	$126	$21
USAA	$126	$21
American Family	$132	$22
Auto-Owners	$142	$24
North Star Mutual	$142	$24
Auto-Owners Insurance Co	$147	$25
Progressive	$147	$25
State Farm	$147	$25
North Star Mutual Insurance	$197	$33
Nationwide	$301	$51
Allstate	$322	$53
Farmers	$344	$59

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 Kemper at $62 per month and $361 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lake City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$361	$62
Farmers Mutual of Nebraska	$415	$70
Auto-Owners Insurance Co	$476	$81
American Family	$634	$107
State Farm	$771	$130
Allstate	$896	$151
USAA	$902	$152
Auto-Owners	$918	$153
Progressive	$967	$163
Nationwide	$1006	$169
North Star Mutual	$1033	$176
Farmers	$1082	$182

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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, SD increasing?

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

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

If you are planning to get a car insurance policy for your teenage dependent, North Star Mutual Insurance provides the cheapest car insurance in the Lake City at $29 per month. At $4694 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star Mutual Insurance	$175	$29
Kemper	$180	$30
Auto-Owners Insurance Co	$191	$32
Farmers Mutual of Nebraska	$569	$96
State Farm	$1093	$184
USAA	$1158	$195
American Family	$1492	$251
Progressive	$1716	$289
North Star Mutual	$2186	$372
Auto-Owners	$2279	$380
Nationwide	$2989	$503
Farmers	$3158	$526
Allstate	$4694	$799

Teen Car Insurance Rates in SD 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, Farmers Mutual of Nebraska is the cheapest car insurance provider. At $93 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 $3033 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$93	$16
Western National	$164	$28
Iowa Farm Bureau	$219	$37
Kemper	$251	$42
American Family	$874	$147
Progressive	$929	$156
USAA	$1388	$236
North Star Mutual	$1710	$285
Farmers	$1716	$292
Nationwide	$1803	$301
State Farm	$3033	$516

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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, SD, 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 Western National and Kemper, offering $175 and $197, respectively. North Star Mutual is an expensive provider with an average six-month premium of $1777.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$175	$29
Kemper	$197	$33
Auto-Owners Insurance Co	$202	$34
North Star Mutual Insurance	$301	$52
Farmers Mutual of Nebraska	$410	$69
State Farm	$420	$71
USAA	$628	$106
Progressive	$661	$111
Auto-Owners	$678	$114
American Family	$896	$151
Allstate	$1312	$219
Farmers	$1470	$250
Nationwide	$1721	$290
North Star Mutual	$1777	$302

Lake City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lake City SD. For example, the car insurance in Lake City after a DUI increases to $797 for a six month policy. While the rate increases by $152 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	$913	$152
One Med/PIP claim	$913	$155
Not-at-fault accident	$935	$155
Two Med/PIP claims	$967	$165
One comp claim	$972	$162
Failure to show documents	$1006	$171
Two comp claims	$1006	$167
Failure to wear a seat belt	$1033	$176
Child safety restraint	$1049	$175
Driving without lights	$1049	$178
Driving with expired registration	$1054	$176
Wrong way/wrong lane	$1054	$179
Cell phone violation	$1060	$177
Driving too slowly	$1060	$180
Texting while driving	$1060	$177
Failure to stop at a red light	$1065	$181
Failure to yield	$1065	$178
Following too closely	$1065	$181
Illegal turn	$1065	$178
Speeding 6 - 10 MPH over limit	$1065	$181
Improper passing	$1076	$179
Speeding 11 - 15 MPH over limit	$1082	$184
Speeding 16 - 20 MPH over limit	$1087	$181
Operating a vehicle without permission	$1115	$190
At-fault accident - less than $1000	$1126	$188
In 65 MPH zone	$1126	$191
Speeding in school zone	$1132	$189
Speeding 21 - 25 MPH over limit	$1158	$197
Passing school bus	$1208	$201
Open container	$1251	$213
At-fault accident - $1000-$2000	$1268	$212
At-fault accident - greater than $2000	$1268	$215
Driving with a suspended license	$1530	$255
Reckless driving	$1547	$263
Refusal to submit to a chemical test	$1634	$272
Racing	$1688	$287
DUI	$1710	$285
Leaving scene of an accident/hit and run	$1749	$297

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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 Western National at $164 for a six-month policy. However, it can be as expensive as $2967 with companies like North Star Mutual.

Lake City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$164	$28
Farmers Mutual of Nebraska	$585	$98
State Farm	$606	$102
Progressive	$623	$105
Auto-Owners	$978	$165
American Family	$983	$166
USAA	$1213	$204
Allstate	$1459	$248
Farmers	$1547	$258
Nationwide	$2262	$381
North Star Mutual	$2967	$495

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 Farmers Mutual of Nebraska at $98. However, it can be as expensive as $1617 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lake City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$98	$17
Kemper	$153	$26
Western National	$164	$28
Auto-Owners Insurance Co	$169	$29
State Farm	$284	$48
USAA	$426	$73
Progressive	$470	$79
North Star Mutual	$519	$88
American Family	$601	$101
Nationwide	$1377	$235
Farmers	$1617	$270

Car Insurance Price Trends in Lake City, South Dakota

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 $153 in December compared to $152 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 remained steady at $28 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Lake City?

The car insurance in Lake City is $17 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 $62 per month for full coverage.

How much is car insurance in Lake City for teenagers?

Car insurance for teenagers costs $175 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 $856 for a six-month policy. It will cost around $132 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, SD?

The best car insurance company in Lake City SD is Kemper, offering $361 for a six-month policy.