Buy Cheap Lake City, IA Auto Insurance (2021)

Lake City, IA auto insurance rates average $243 a month. Minimum auto insurance requirements in Lake City, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Lake City, IA, 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 ...

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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

  • Average auto insurance rates in Lake City, IA are $243/month
  • The most expensive auto insurance company in Lake City after a DUI is Travelers
  • The most expensive auto insurance company in Lake City is Travelers

Finding affordable Lake City, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Lake City, IA 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, IA car insurance rates compare to Waterloo auto insurance rates, West Des Moines auto insurance rates, and Davenport auto insurance rates before you read more about the cost of auto insurance in Lake City.

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

Lake City, IA Minimum Auto Insurance Requirements

The required auto insurance in Lake City, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Lake City, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Lake City, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Lake City, IA Auto Insurance by Credit History

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

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

Insurance Company Poor Fair Good
Allstate $3,861 $3,069 $2,757
American Family $3,829 $2,814 $2,367
Farmers $2,736 $2,270 $2,151
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,305 $3,882 $3,058
Nationwide $2,802 $2,198 $1,927
Progressive $2,602 $2,102 $1,902
State Farm $2,914 $1,803 $1,423
Travelers $6,065 $5,179 $4,934
USAA $2,542 $1,743 $1,509

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

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

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

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 $2,126 $2,041 $1,886 $1,920 $6,188 $6,969 $2,317 $2,385
American Family $1,935 $1,935 $1,731 $1,731 $5,179 $7,255 $1,935 $2,329
Farmers $1,478 $1,506 $1,324 $1,444 $4,449 $4,739 $2,000 $2,144
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,145 $2,333 $1,884 $2,291 $10,137 $11,420 $2,430 $2,683
Nationwide $1,607 $1,648 $1,435 $1,529 $3,690 $4,767 $1,819 $1,976
Progressive $1,552 $1,492 $1,280 $1,331 $3,802 $4,288 $1,864 $2,009
State Farm $1,323 $1,323 $1,164 $1,164 $3,624 $4,585 $1,488 $1,701
Travelers $2,416 $2,463 $2,362 $2,364 $10,816 $17,249 $2,516 $2,954
USAA $1,292 $1,309 $1,182 $1,208 $3,484 $3,704 $1,554 $1,718

Buy Cheap Lake City, IA 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, IA are listed here.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,188 $6,969
American Family $5,179 $7,255
Farmers $4,449 $4,739
GEICO $4,142 $3,866
Liberty Mutual $10,137 $11,420
Nationwide $3,690 $4,767
Progressive $3,802 $4,288
State Farm $3,624 $4,585
Travelers $10,816 $17,249
USAA $3,484 $3,704

Buy Cheap Lake City, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Lake City, Iowa 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, IA here.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,886 $1,920
American Family $1,731 $1,731
Farmers $1,324 $1,444
GEICO $1,620 $1,483
Liberty Mutual $1,884 $2,291
Nationwide $1,435 $1,529
Progressive $1,280 $1,331
State Farm $1,164 $1,164
Travelers $2,362 $2,364
USAA $1,182 $1,208

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

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

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

Insurance Company Low Medium High
Allstate $3,110 $3,233 $3,344
American Family $3,013 $3,171 $2,826
Farmers $2,288 $2,393 $2,476
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,233 $4,405 $4,608
Nationwide $2,402 $2,299 $2,227
Progressive $2,075 $2,211 $2,321
State Farm $1,949 $2,058 $2,133
Travelers $5,040 $5,477 $5,661
USAA $1,835 $1,937 $2,022

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Find Cheap Lake City, IA 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, IA by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,152 $3,306
American Family $2,968 $3,039
Farmers $2,386 $2,386
GEICO $2,195 $2,285
Liberty Mutual $4,415 $4,415
Nationwide $2,309 $2,309
Progressive $2,202 $2,202
State Farm $1,998 $2,095
Travelers $5,393 $5,393
USAA $1,861 $2,002

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

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

Annual Lake City, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,742 $3,324 $3,781 $3,068
American Family $2,168 $3,176 $4,121 $2,549
Farmers $2,033 $2,522 $2,558 $2,430
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,815 $4,714 $4,816 $4,316
Nationwide $1,676 $2,401 $3,265 $1,894
Progressive $1,772 $2,899 $1,922 $2,216
State Farm $1,891 $2,201 $2,046 $2,046
Travelers $3,922 $5,237 $7,025 $5,386
USAA $1,475 $1,981 $2,577 $1,693

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

The cost of DUI auto insurance in Lake City, Iowa 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, IA auto insurance companies.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,781
American Family $4,121
Farmers $2,558
GEICO $3,058
Liberty Mutual $4,816
Nationwide $3,265
Progressive $1,922
State Farm $2,046
Travelers $7,025
USAA $2,577

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

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

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

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

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Find Cheap Lake City, Iowa Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,229
American Family $3,003
Farmers $2,386
GEICO $2,240
Liberty Mutual $4,415
Nationwide $2,309
Progressive $2,202
State Farm $2,046
Travelers $5,393
USAA $1,931

What affects Lake City, Iowa auto insurance rates?

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

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, IA is 14.5 minutes according to City-Data.

Traffic in Lake City

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

Compare Auto Insurance Quotes in Lake City, IA

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

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