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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.
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 $792 for a six-month policy, which is $24 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $415, 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.
At $415 for a six
month policy, AutoOwners Insurance Co offers
the cheapest
auto
insurance rates in the city.
2nd place: Erie
Erie offers auto
insurance rates at $437 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Westfield
Westfield offers auto insurance
rates at $437
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, TN is AutoOwners Insurance Co, offering policies at just $415 for a six-month term. This is followed by Erie, which has an average six-month premium of $437.
At the higher end of the spectrum, Progressive is the most expensive, with rates reaching $1325 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.
Way's key takeaways about car insurance in Lake City
The auto insurance costs in Lake City fall around $415 for six
months.
The cheapest auto insurance company in Lake City is Westfield.
Teen drivers pay the highest rate in Lake City at $47 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.
Westfield provides
the cheapest minimum car insurance
coverage in Lake City. Their Average 6 Month Premium is $133.
AutoOwners is the most
expensive at $190 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 City is AutoOwners Insurance Co
at $69 per month and $415
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lake City,
TN
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, TN increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lake City, Tennessee, may be increasing due to several external factors.
Tennessee 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
Penn National
$588
30s
Penn National
$404
40s
Penn National
$367
50s
Penn National
$340
60s
Penn National
$356
70s
Penn National
$409
Cheapest Car Insurance Rates for Teen Drivers in
Lake City,TN
If you are planning to get a car insurance policy for your teenage
dependent, Westfield provides the cheapest car
insurance in the Lake City at $26
per
month. At $276 for a six-month premium,
State Farm offers the most expensive rate for
teen drivers.
If you are in your twenties Penn National is
the best choice for car
insurance in Lake City.
As young drivers face the highest rates in Lake City, Penn National
offers the cheapest auto insurance rates at $588 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,
Tennessee Farm Bureau is
the cheapest car insurance provider. At $184 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 Erie, offering
rates of around $363 for six
months.
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, TN,
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 Tennessee Farm Bureau
and Farm Bureau of Tennessee, offering $161
and $167,
respectively. Grange is an expensive provider
with an average six-month premium of
$311.
Here is a list of driving violations that can increase your car
insurance rates in Lake City TN. For example, the car
insurance in Lake City
after a DUI increases to $962 for a six
month policy. While the rate increases by $185 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
$962
$160
Not-at-fault accident
$968
$165
One Med/PIP claim
$974
$162
One comp claim
$986
$168
Two comp claims
$997
$166
Two Med/PIP claims
$997
$170
Failure to wear a seat belt
$1106
$184
Failure to show documents
$1123
$191
Child safety restraint
$1129
$188
Driving without lights
$1129
$192
Cell phone violation
$1147
$191
Driving with expired registration
$1147
$195
Speeding 6 - 10 MPH over limit
$1147
$191
Driving too slowly
$1152
$196
Speeding 11 - 15 MPH over limit
$1152
$192
Speeding in school zone
$1152
$196
Failure to yield
$1158
$193
Following too closely
$1158
$197
Illegal turn
$1158
$193
Speeding 16 - 20 MPH over limit
$1158
$197
Texting while driving
$1158
$193
Improper passing
$1170
$199
Wrong way/wrong lane
$1170
$195
Failure to stop at a red light
$1176
$200
In 65 MPH zone
$1193
$199
Speeding 21 - 25 MPH over limit
$1221
$208
At-fault accident - less than $1000
$1239
$207
Passing school bus
$1239
$210
Operating a vehicle without permission
$1313
$219
Open container
$1325
$225
At-fault accident - $1000-$2000
$1429
$239
At-fault accident - greater than $2000
$1429
$243
Reckless driving
$1803
$301
Racing
$1809
$307
Driving with a suspended license
$1856
$309
Refusal to submit to a chemical test
$1890
$321
DUI
$1924
$321
Leaving scene of an accident/hit and run
$1924
$327
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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 Tennessee Farm Bureau at $253 for a six-month policy.
However, it can be as
expensive as $1590 with companies
like Allstate.
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 Westfield
at $155. However,
it can be as expensive as $265
with companies like Progressive for a similar
six-month premium.
Cheapest Car Insurance in Lake City after Speeding ticket
Car Insurance Price Trends in Lake City,
Tennessee
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 remained steady at $93 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lake City remained steady at $36 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Lake City 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 City. 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 City?
The car insurance in Lake City is $22 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 $69 per month
for full coverage.
How much is car insurance in Lake City for teenagers?
Car insurance for teenagers costs $155 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 $816 for a six-month
policy. It will cost around $133 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,
TN?
The best car insurance company in Lake City
TN is
AutoOwners Insurance Co, offering $415 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lake City, TN
Car Insurance Rates by State in the USA (2025 Update)
Lake City Car Insurance
