Compare Lake City, CA Car Insurance Rates (2021)

Car insurance in Lake City, CA averages $254 a month. Lake City, California car insurance requirements are 15/30/5, 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, CA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • The cheapest car insurance company in Lake City is Progressive
  • Average car insurance rates in Lake City, CA after a DUI are $4,248/year
  • The cheapest car insurance company in Lake City for teen drivers is USAA

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

You’ll find Lake City car insurance rates, the cheapest Lake City, CA car insurance companies, and information on California car insurance laws. You can also compare Lake City, California car insurance rates to Anaheim car insurance rates, Long Beach car insurance rates, and Oakland car insurance rates.

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

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

How do age, gender, and marital status affect Lake City, CA car insurance rates? Every Lake City, California 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, California

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 $2,055 $2,068 $1,496 $1,524 $5,498 $6,922 $2,652 $2,953
Farmers $2,348 $2,348 $2,111 $2,111 $7,473 $12,272 $2,780 $3,092
GEICO $1,489 $1,493 $1,404 $1,404 $4,486 $4,594 $2,133 $2,202
Liberty Mutual $2,147 $2,037 $1,994 $1,935 $4,724 $5,007 $2,426 $2,440
Nationwide $2,616 $2,507 $2,275 $2,154 $6,479 $7,169 $3,111 $3,089
Progressive $1,521 $1,567 $1,264 $1,512 $3,908 $4,752 $2,169 $2,336
State Farm $2,749 $2,749 $2,449 $2,449 $4,954 $6,157 $3,034 $3,127
Travelers $2,103 $2,050 $1,856 $1,835 $4,145 $4,837 $2,724 $2,676
USAA $1,725 $1,636 $1,685 $1,694 $3,897 $3,917 $2,385 $2,256

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Minimum Car Insurance in Lake City, CA

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

Minimum Required Car Insurance Coverage in Lake City, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Lake City, CA 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, CA to rates for a clean record with top companies.

Annual Lake City, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $1,902 $3,198 $4,995 $2,489
Farmers $3,191 $4,345 $5,416 $4,316
GEICO $1,687 $2,568 $3,257 $2,092
Liberty Mutual $2,464 $3,302 $2,978 $2,611
Nationwide $2,568 $3,288 $5,556 $3,288
Progressive $1,568 $2,632 $3,062 $2,251
State Farm $2,459 $2,939 $5,577 $2,859
Travelers $1,890 $2,994 $3,512 $2,718
USAA $1,597 $2,367 $3,884 $1,748

Cheapest Lake City, CA Car Insurance for Teen Drivers

Teen car insurance in Lake City, CA 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, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,498 $6,922
Farmers $7,473 $12,272
GEICO $4,486 $4,594
Liberty Mutual $4,724 $5,007
Nationwide $6,479 $7,169
Progressive $3,908 $4,752
State Farm $4,954 $6,157
Travelers $4,145 $4,837
USAA $3,897 $3,917

Cheapest Lake City, CA Car Insurance for Seniors

Take a look at Lake City, CA 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, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,496 $1,524
Farmers $2,111 $2,111
GEICO $1,404 $1,404
Liberty Mutual $1,994 $1,935
Nationwide $2,275 $2,154
Progressive $1,264 $1,512
State Farm $2,449 $2,449
Travelers $1,856 $1,835
USAA $1,685 $1,694

Cheapest Lake City, CA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,995
Farmers $5,416
GEICO $3,257
Liberty Mutual $2,978
Nationwide $5,556
Progressive $3,062
State Farm $5,577
Travelers $3,512
USAA $3,884

Cheapest Lake City, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lake City, CA 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, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,840 $3,452
Farmers $3,917 $4,716
GEICO $2,182 $2,619
Liberty Mutual $2,608 $3,070
Nationwide $3,253 $4,097
Progressive $2,162 $2,595
State Farm $3,332 $3,585
Travelers $2,503 $3,054
USAA $2,211 $2,587

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The Best Cheap Car Insurance Companies in Lake City, CA

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

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

Insurance Company Average Annual Rates
Allstate $3,146
Farmers $4,317
GEICO $2,401
Liberty Mutual $2,839
Nationwide $3,675
Progressive $2,378
State Farm $3,458
Travelers $2,778
USAA $2,399

Category Winners: Cheapest Car Insurance in Lake City, California

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

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

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record Progressive
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Lake City, CA 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, CA car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $2,989 $3,171 $3,278
Farmers $4,030 $4,349 $4,572
GEICO $2,249 $2,420 $2,533
Liberty Mutual $2,662 $2,863 $2,992
Nationwide $3,327 $3,732 $3,965
Progressive $2,203 $2,432 $2,501
State Farm $3,166 $3,504 $3,705
Travelers $2,509 $2,833 $2,993
USAA $2,187 $2,443 $2,568

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What affects car insurance rates in Lake City, California?

What factors can have an impact on Lake City, CA 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, California.

Traffic in Lake City

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

Compare Car Insurance Quotes in Lake City, CA

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

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