Buy Cheap Lake City, FL Auto Insurance (2021)

Lake City, FL auto insurance rates average $321 a month. Minimum auto insurance requirements in Lake City, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Lake City, FL, compare Lake City auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Lake City is Allstate
  • Average auto insurance rates in Lake City, FL for teens drivers are $6,833/year
  • The most expensive auto insurance company in Lake City after a DUI is Allstate

Finding affordable Lake City, Florida auto insurance can be challenging, but everything you need to know to buy cheap Lake City, FL auto insurance with confidence is right here. Auto insurance rates in Lake City are affected by local factors as well as personal ones like your driving record.

See how Lake City, FL car insurance rates compare to Jacksonville auto insurance rates, Miami auto insurance rates, and Port St. Lucie auto insurance rates before you read more about the cost of auto insurance in Lake City.

Don’t buy Lake City, FL auto insurance until you’ve compared rates. Get free Lake City, Florida auto insurance quotes when you enter your ZIP code above.

Lake City, FL Minimum Auto Insurance Requirements

The required auto insurance in Lake City, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Lake City, Florida is outlined here.

Minimum Required Auto Insurance Coverage in Lake City, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

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Find Cheap Lake City, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lake City, FL. Take a look at Lake City, Florida auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Lake City, Florida

Insurance Company Poor Fair Good
Allstate $8,124 $5,146 $4,190
GEICO $4,663 $2,841 $2,146
Liberty Mutual $5,774 $4,243 $3,448
Nationwide $4,201 $3,090 $2,798
Progressive $6,452 $4,594 $3,846
State Farm $3,653 $2,441 $2,026
USAA $3,880 $1,875 $1,358

Buy Cheap Lake City, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lake City, Florida auto insurance rates? Find out how car insurance rates in Lake City, FL are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lake City, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,676 $3,517 $3,182 $3,233 $12,257 $13,181 $3,721 $3,793
GEICO $2,552 $2,564 $2,387 $2,387 $4,521 $5,662 $2,808 $2,852
Liberty Mutual $3,119 $3,119 $2,861 $2,861 $6,550 $10,069 $3,119 $4,212
Nationwide $2,356 $2,333 $2,106 $2,181 $5,646 $6,979 $2,594 $2,709
Progressive $3,279 $3,112 $2,836 $3,033 $9,337 $10,281 $3,978 $3,856
State Farm $1,719 $1,719 $1,546 $1,546 $4,900 $6,272 $1,898 $2,054
USAA $1,387 $1,368 $1,282 $1,281 $4,617 $5,403 $1,740 $1,889

Buy Cheap Lake City, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lake City can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lake City, FL are listed here.

Annual Auto Insurance Rates for Teen Drivers in Lake City, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,257 $13,181
GEICO $4,521 $5,662
Liberty Mutual $6,550 $10,069
Nationwide $5,646 $6,979
Progressive $9,337 $10,281
State Farm $4,900 $6,272
USAA $4,617 $5,403

Buy Cheap Lake City, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Lake City, Florida by comparing Lake City senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lake City, FL here.

Annual Auto Insurance Rates for Senior Drivers in Lake City, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,182 $3,233
GEICO $2,387 $2,387
Liberty Mutual $2,861 $2,861
Nationwide $2,106 $2,181
Progressive $2,836 $3,033
State Farm $1,546 $1,546
USAA $1,282 $1,281

Find Cheap Auto Insurance Rates in Lake City, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lake City, Florida auto insurance. Compare Lake City, FL auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lake City, Florida

Insurance Company Low Medium High
Allstate $4,707 $6,072 $6,681
GEICO $2,712 $3,314 $3,624
Liberty Mutual $4,183 $4,548 $4,734
Nationwide $2,732 $3,482 $3,875
Progressive $4,198 $5,073 $5,620
State Farm $2,367 $2,761 $2,992
USAA $2,083 $2,445 $2,584

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Find Cheap Lake City, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lake City. Compare auto insurance rates in Lake City, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lake City, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,652 $5,988
GEICO $3,201 $3,232
Liberty Mutual $4,345 $4,632
Nationwide $3,363 $3,363
Progressive $4,964 $4,964
State Farm $2,617 $2,797
USAA $2,344 $2,398

Find Cheap Lake City, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Lake City, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lake City, FL to see how much where you live in Lake City affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Lake City, Florida

ZIP Code Average Annual Rates
32024 $2,956
32025 $2,991

Find Cheap Lake City, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Lake City, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lake City, FL, take a look at the average cost for various violations versus rates for a clean driving record in Lake City.

Annual Lake City, Florida Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,046 $6,004 $6,650 $5,580
GEICO $2,255 $2,869 $4,248 $3,496
Liberty Mutual $3,284 $4,216 $6,032 $4,422
Nationwide $2,887 $3,154 $4,214 $3,197
Progressive $3,911 $5,807 $4,875 $5,263
State Farm $2,486 $2,927 $2,707 $2,707
USAA $1,875 $2,293 $3,354 $1,961

Find Cheap Lake City, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lake City, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Lake City for less when you shop around and compare rates from multiple Lake City, FL auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lake City, Florida

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,650
GEICO $4,248
Liberty Mutual $6,032
Nationwide $4,214
Progressive $4,875
State Farm $2,707
USAA $3,354

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Winners by Category: Where to Buy Cheap Auto Insurance in Lake City, FL

Compare rates from the cheapest auto insurance companies in Lake City, FL for your needs. Take a look at how Lake City, Florida auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Lake City, Florida

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Lake City, Florida Auto Insurance Companies

If you’re looking for the cheapest Lake City, FL auto insurance companies overall, you can compare them here. Find the best price for Lake City, Florida car insurance by company.

Average Annual Auto Insurance Rates by Company in Lake City, Florida

Insurance Company Average Annual Rates
Allstate $5,820
GEICO $3,217
Liberty Mutual $4,489
Nationwide $3,363
Progressive $4,964
State Farm $2,707
USAA $2,371

What affects Lake City, Florida auto insurance rates?

Local factors affect auto insurance rates in Lake City, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Lake City auto insurance rates.

Auto Theft in Lake City

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lake City, FL auto theft show a total of 28 vehicle thefts annually.

Commute Times in Lake City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lake City, FL is 17.4 minutes according to City-Data.

Traffic in Lake City

How is traffic in Lake City, Florida? Inrix data shows that Lake City, FL traffic makes it the 929th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Lake City, FL

You can buy cheap Lake City, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lake City, Florida auto insurance quotes from top companies.

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