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.
We’ve saved shoppers an average of $600 per year on their car insurance.
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 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 |
Find Affordable Lake City Rates
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 |
Find Affordable Lake City Rates
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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.
