Compare Lake City, AR Car Insurance Rates (2021)

Car insurance in Lake City, AR averages $336 a month. Lake City, Arkansas car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Lake City car insurance rates, compare quotes from the top car insurance companies in Lake City, AR.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Lake City, AR are $4,030/year
  • Average car insurance rates in Lake City, AR after a DUI are $4,865/year
  • The cheapest car insurance company in Lake City for teen drivers is USAA

If you need to buy Lake City, Arkansas car insurance, the options can be confusing. Everything you need to know about car insurance in Lake City, AR is right here.

You’ll find Lake City car insurance rates, the cheapest Lake City, AR car insurance companies, and information on Arkansas car insurance laws. You can also compare Lake City, Arkansas car insurance rates to Pine Bluff car insurance rates, Little Rock car insurance rates, and Jonesboro car insurance rates.

Ready to find affordable Lake City, AR car insurance today? Enter your ZIP code for fast, free Lake City car insurance quotes.

Cheapest Lake City, AR Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lake City, AR car insurance rates? Every Lake City, Arkansas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake City, Arkansas

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 $2,802 $2,809 $2,516 $2,688 $10,478 $12,587 $3,069 $3,315
Farmers $2,216 $2,206 $1,978 $2,083 $9,457 $9,807 $2,538 $2,667
GEICO $2,360 $2,325 $2,170 $2,109 $6,473 $6,458 $2,341 $2,375
Liberty Mutual $2,188 $2,342 $2,111 $2,361 $7,986 $8,798 $2,360 $2,456
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,624 $2,476 $2,161 $2,262 $11,237 $12,646 $3,129 $3,371
State Farm $1,584 $1,584 $1,433 $1,433 $4,768 $5,975 $1,788 $2,058
Travelers $2,225 $2,264 $2,218 $2,222 $13,358 $21,546 $2,390 $2,723
USAA $1,384 $1,393 $1,290 $1,291 $4,468 $4,663 $1,784 $1,917

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Minimum Car Insurance in Lake City, AR

Every driver must carry the minimum car insurance in Lake City, AR. Take a look at the Arkansas car insurance requirements.

Minimum Required Car Insurance Coverage in Lake City, Arkansas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Lake City, AR Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lake City, AR. Compare credit history car insurance rates in Lake City from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lake City, Arkansas

Insurance Company Poor Fair Good
Allstate $6,315 $4,853 $3,932
Farmers $4,681 $3,931 $3,745
GEICO $3,982 $3,279 $2,718
Liberty Mutual $5,515 $3,342 $2,618
Nationwide $4,733 $3,811 $3,473
Progressive $5,642 $4,827 $4,494
State Farm $3,733 $2,249 $1,752
Travelers $7,009 $5,863 $5,483
USAA $3,005 $2,059 $1,758

Cheapest Lake City, AR Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lake City, AR to rates for a clean record with top companies.

Annual Lake City, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,133 $5,221 $5,819 $4,960
Farmers $3,481 $4,465 $4,363 $4,167
GEICO $2,274 $3,466 $5,118 $2,448
Liberty Mutual $2,604 $4,240 $4,959 $3,498
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,298 $5,983 $4,521 $5,150
State Farm $2,353 $2,802 $2,578 $2,578
Travelers $5,122 $5,292 $7,772 $6,287
USAA $1,742 $2,219 $3,200 $1,934

Cheapest Lake City, AR Car Insurance for Teen Drivers

Teen car insurance in Lake City, AR can be expensive. Take a look at rates from the top car insurance companies in Lake City for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lake City, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,478 $12,587
Farmers $9,457 $9,807
GEICO $6,473 $6,458
Liberty Mutual $7,986 $8,798
Nationwide $6,624 $8,442
Progressive $11,237 $12,646
State Farm $4,768 $5,975
Travelers $13,358 $21,546
USAA $4,468 $4,663

Cheapest Lake City, AR Car Insurance for Seniors

Take a look at Lake City, AR senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lake City, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,516 $2,688
Farmers $1,978 $2,083
GEICO $2,170 $2,109
Liberty Mutual $2,111 $2,361
Nationwide $2,440 $2,578
Progressive $2,161 $2,262
State Farm $1,433 $1,433
Travelers $2,218 $2,222
USAA $1,290 $1,291

Cheapest Lake City, AR Car Insurance Rates After a DUI

A DUI in Lake City, AR increases car insurance rates. Compare Lake City, Arkansas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lake City, Arkansas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,819
Farmers $4,363
GEICO $5,118
Liberty Mutual $4,959
Nationwide $5,453
Progressive $4,521
State Farm $2,578
Travelers $7,772
USAA $3,200

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Cheapest Lake City, AR Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lake City, AR by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lake City, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,033 $5,033
Farmers $4,119 $4,119
GEICO $3,298 $3,355
Liberty Mutual $3,825 $3,825
Nationwide $4,006 $4,006
Progressive $4,988 $4,988
State Farm $2,515 $2,640
Travelers $6,118 $6,118
USAA $2,209 $2,338

The Best Cheap Car Insurance Companies in Lake City, AR

Take a look at a side-by-side comparison of the top car insurance companies in Lake City, AR to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lake City, Arkansas

Insurance Company Average Annual Rates
Allstate $5,033
Farmers $4,119
GEICO $3,326
Liberty Mutual $3,825
Nationwide $4,006
Progressive $4,988
State Farm $2,578
Travelers $6,118
USAA $2,274

Category Winners: Cheapest Car Insurance in Lake City, Arkansas

Find the cheapest car insurance companies in Lake City, AR for each category right here.

Best Annual Car Insurance Rates by Company in Lake City, Arkansas

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

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Cheapest Lake City, AR Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lake City car insurance rates. Find the cheapest Lake City, AR car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lake City, Arkansas

Insurance Company Low Medium High
Allstate $4,878 $5,030 $5,192
Farmers $3,901 $4,073 $4,383
GEICO $3,174 $3,325 $3,480
Liberty Mutual $3,677 $3,794 $4,004
Nationwide $4,022 $3,922 $4,073
Progressive $4,522 $4,889 $5,553
State Farm $2,437 $2,575 $2,721
Travelers $5,780 $6,133 $6,441
USAA $2,171 $2,265 $2,386

What affects car insurance rates in Lake City, Arkansas?

What factors can have an impact on Lake City, AR car insurance? There are several reasons why Lake City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lake City, Arkansas.

Commute Time in Lake City

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake City, AR is 20.5 minutes according to City-Data.

Traffic in Lake City

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lake City, AR traffic data from INRIX ranks Lake City as the 929th-most congested in the world.

Compare Car Insurance Quotes in Lake City, AR

Ready to find affordable Lake City, Arkansas car insurance today? Enter your ZIP code for fast, free Lake City, AR car insurance quotes.

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Average Monthly Car Insurance Rates by State