Cheapest Car Insurance In Lake City, FL 2025

State Farm offers the most affordable minimum coverage car insurance in Lake City, with an average monthly cost of $68.

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Updated: 15 February 2025
Written by Bob Phillips
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If you’re searching for the most affordable car insurance in Lake City, FL, you’ll find a wide range of options.

For basic liability coverage, State Farm stands out as the most budget-friendly choice. If you need full coverage, Progressive offers the best rates. Meanwhile, young drivers can secure the lowest premiums through GEICO.

Cheapest Car Insurance In Lake City, FL

Cheapest Car Insurance, Lake City, FL

Cheapest Liability-only Car Insurance In Lake City: State Farm

State Farm offers the most affordable minimum coverage car insurance in Lake City, with an average monthly premium of $68.

Check out the table below to compare rates from various insurance companies and find the best option for your needs.

Provider Average Monthly Cost Average Annual Cost
Mile Auto $117 $1,404
GEICO $76 $912
Allstate $124 $1,488
Travelers $140 $1,680
State Farm $68 $816

Cheapest Full Coverage Insurance Rates In Lake City: State Farm

State Farm offers the lowest full coverage car insurance rates in Lake City, with an average monthly cost of $81.

Refer to the table below to compare quotes from other budget-friendly insurance providers in Lake City.

Provider Average Monthly Cost Average Annual Cost
Travelers $173 $2,076
GEICO $92 $1,104
State Farm $81 $972
Mercury $192 $2,304
Allstate $150 $1,800

Cheapest Car Insurance Rates For Seniors: State Farm

State Farm provides the most affordable car insurance for seniors in Lake City, with an average rate of $69 per month.

The table below compares average quotes from the most budget-friendly auto insurers for seniors.

Provider Average Monthly Cost Average Annual Cost
GEICO $71 $852
Progressive $133 $1,596
State Farm $69 $828
Travelers $142 $1,704
Direct Auto $128 $1,536

Cheapest Rates In Lake City For Teenagers: Travelers

Teenage drivers in Lake City can get the most affordable insurance from Travelers, with average monthly premiums of $510.

The table below highlights the cheapest insurance rates for teenagers.

Provider Average Monthly Cost Average Annual Cost
GEICO $573 $6,876
Travelers $510 $6,120
Direct Auto $567 $6,804
State Farm $604 $7,248
GAINSCO $578 $6,936

Cheapest Auto Insurance For Young Adults in Lake City: GEICO

GEICO provides the most affordable car insurance for young adults in Lake City, with an average monthly rate of $146.

Check the table below to compare the lowest auto insurance rates for young adults in Lake City.

Provider Average Monthly Cost Average Annual Cost
State Farm $152 $1,824
GEICO $146 $1,752
Root $370 $4,440
Allstate $265 $3,180
Mile Auto $284 $3,404

Cheapest Car Insurance In Lake City For Good Drivers: State Farm

State Farm offers the lowest car insurance rates for good drivers in Lake City, with an average monthly cost of $71.

If you have a clean driving record, use the table below to compare quotes from the most affordable insurers.

Provider Average Monthly Cost Average Annual Cost
GEICO $74 $888
Allstate $125 $1,500
State Farm $71 $852
Travelers $150 $1,800
Mile Auto $116 $1,392

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Cheapest Car Insurance In Lake City After A Speeding Ticket: State Farm

State Farm offers some of the lowest rates in Lake City, with an average monthly premium of $83 for drivers with a speeding ticket on their record.

Use the table below to compare average rates from insurers for drivers with a speeding ticket.

Provider Average Monthly Cost Average Annual Cost
Mile Auto $142 $1,704
GEICO $87 $1,044
Travelers $180 $2,160
State Farm $83 $996
Allstate $153 $1,836

Cheapest For Drivers With After At-Fault Accident: GEICO

GEICO provides the most affordable car insurance rates for drivers with an at-fault accident, averaging $94 per month.

Below are the car insurance providers offering the lowest rates for drivers who have an at-fault accident in their history.

Provider Average Monthly Cost Average Annual Cost
Allstate $162 $1,944
State Farm $98 $1,176
Mile Auto $151 $1,812
Travelers $193 $2,316
GEICO $94 $1,128

Cheapest Rates In Lake City For Drivers After A DUI: State Farm

State Farm offers the lowest rates for drivers with a DUI, providing Lake City residents with an average monthly premium of $113.

Drivers in Lake City with a DUI can find the best rates in the table below.

Provider Average Monthly Cost Average Annual Cost
Root $226 $2,712
GEICO $118 $1,416
Mile Auto $175 $2,100
State Farm $113 $1,356
Allstate $195 $2,340

Best Car Insurance Companies In Lake City

In Lake City, State Farm offers the most affordable car insurance at $140 per month. You may also want to check out GEICO, with rates starting at $148 a month, or Allstate, which offers premiums of $154 per month.

The list below shows the top 10 car insurance companies in Lake City, FL, ranked by their average monthly rates.

Company Monthly Premium
State Farm $140
GEICO $148
Allstate $154
Progressive $156
Travelers $173
Mile Auto $177
Mercury $201
Root $255
Kemper Auto $273
National General $275

Average Auto Insurance Rates In Lake City- By Age

Age plays a significant role in determining car insurance rates. Younger drivers typically face higher premiums due to their inexperience and higher chances of accidents or traffic violations. Teenagers can expect to pay about $7,104 annually for car insurance.

Once drivers reach 25, their rates generally start to drop, provided they have a clean driving record.

Drivers in their 50s and early 60s often receive the most competitive rates. Insurance companies use age as a factor to gauge driving experience and risk, which affects the cost of premiums.

Age Average Yearly Rate
Teenagers $7,104
20s $4,368
30s $2,712
40s $2,580
50s $2,292
60s $1,932
70s $2,460

Average Rates In Lake City- By Vehicle

The type of vehicle you drive is an important factor in determining your car insurance costs. Insurance companies consider details like the make, model, year, and body style of the car. Generally, newer vehicles, especially luxury cars with advanced features and higher replacement costs, come with higher insurance premiums.

The table below shows the average insurance rates in Lake City for different vehicles.

Vehicle Average Monthly Rate
Ford Explorer $137
Nissan Rogue $132
GMC Terrain $115
Toyota Venza $160
Honda Cr V $158

How Much Is Car Insurance In Other Cities in Florida?

Where you live has a major impact on your car insurance rates. Insurance providers assess factors like accident frequency, vehicle theft, and vandalism rates, which are typically higher in urban areas. This increased risk often leads to higher premiums.

For instance, drivers in Tampa can expect an average monthly premium of $261, while those in Miami pay about $283 per month on average.

City Average Monthly Rate
Tampa $261
Miami $283
Jacksonville $182
St. Petersburg $214
Cape Coral $163
Fort Lauderdale $225
Tallahassee $160
Orlando $175
Port St. Lucie $181
Hialeah $279

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Our Methodology

Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Lake City, FL.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

FAQs

Who has the lowest car insurance rates in Lake City?

State Farm provides the lowest car insurance rates in Lake City, both for the minimum coverage required by the State of Florida and for full coverage, which includes comprehensive and collision protection.

What is the average cost of car insurance in Lake City?

The average car insurance cost in Lake City is approximately $195 per month. However, rates can vary depending on factors such as your zip code, car year and model, driving history, and more.

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