Compare Lake City, KS Car Insurance Rates (2021)

Car insurance in Lake City, KS averages $308 a month. Lake City, Kansas 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, KS.

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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, KS after a DUI are $4,434/year
  • The cheapest car insurance company in Lake City is American Family
  • Average car insurance rates in Lake City, KS are $3,695/year

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

You’ll find Lake City car insurance rates, the cheapest Lake City, KS car insurance companies, and information on Kansas car insurance laws. You can also compare Lake City, Kansas car insurance rates to Topeka car insurance rates, Kansas City car insurance rates, and Lenexa car insurance rates.

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

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

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

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 $3,611 $3,574 $3,150 $3,257 $9,016 $9,926 $3,822 $4,010
American Family $1,805 $1,805 $1,628 $1,628 $3,378 $4,034 $1,805 $2,014
Farmers $2,823 $2,814 $2,530 $2,631 $7,220 $7,485 $3,168 $3,350
GEICO $3,117 $3,051 $3,138 $2,920 $5,374 $7,167 $3,471 $2,634
Liberty Mutual $2,402 $2,600 $2,256 $2,519 $10,464 $11,698 $2,658 $2,884
Nationwide $1,769 $1,824 $1,574 $1,698 $3,618 $4,432 $2,055 $2,187
Progressive $2,722 $2,633 $2,199 $2,277 $9,310 $10,553 $3,221 $3,441
State Farm $1,874 $1,874 $1,635 $1,635 $4,914 $6,273 $2,104 $2,374
Travelers $2,357 $2,410 $2,241 $2,288 $9,086 $14,286 $2,400 $2,915
USAA $1,573 $1,621 $1,424 $1,461 $4,983 $5,299 $2,065 $2,192

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Minimum Car Insurance in Lake City, KS

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

Minimum Required Car Insurance Coverage in Lake City, Kansas

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, KS Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lake City, KS. 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, Kansas

Insurance Company Poor Fair Good
Allstate $6,285 $4,721 $4,132
American Family $2,951 $2,096 $1,739
Farmers $4,728 $3,744 $3,536
GEICO $5,995 $3,174 $2,408
Liberty Mutual $4,685 $4,685 $4,685
Nationwide $2,659 $2,342 $2,184
Progressive $5,260 $4,363 $4,010
State Farm $4,129 $2,467 $1,910
Travelers $5,511 $4,455 $4,278
USAA $3,553 $2,300 $1,879

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

Annual Lake City, Kansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,429 $5,130 $5,735 $4,890
American Family $2,225 $2,375 $2,225 $2,225
Farmers $3,389 $4,328 $4,219 $4,075
GEICO $2,397 $3,972 $6,215 $2,851
Liberty Mutual $3,571 $5,289 $5,201 $4,679
Nationwide $1,799 $2,069 $3,652 $2,059
Progressive $4,208 $4,892 $4,378 $4,699
State Farm $2,636 $3,035 $2,835 $2,835
Travelers $3,524 $4,528 $6,164 $4,776
USAA $1,897 $2,529 $3,713 $2,170

Cheapest Lake City, KS Car Insurance for Teen Drivers

Teen car insurance in Lake City, KS 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, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,016 $9,926
American Family $3,378 $4,034
Farmers $7,220 $7,485
GEICO $5,374 $7,167
Liberty Mutual $10,464 $11,698
Nationwide $3,618 $4,432
Progressive $9,310 $10,553
State Farm $4,914 $6,273
Travelers $9,086 $14,286
USAA $4,983 $5,299

Cheapest Lake City, KS Car Insurance for Seniors

Take a look at Lake City, KS 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, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,150 $3,257
American Family $1,628 $1,628
Farmers $2,530 $2,631
GEICO $3,138 $2,920
Liberty Mutual $2,256 $2,519
Nationwide $1,574 $1,698
Progressive $2,199 $2,277
State Farm $1,635 $1,635
Travelers $2,241 $2,288
USAA $1,424 $1,461

Cheapest Lake City, KS Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,735
American Family $2,225
Farmers $4,219
GEICO $6,215
Liberty Mutual $5,201
Nationwide $3,652
Progressive $4,378
State Farm $2,835
Travelers $6,164
USAA $3,713

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Cheapest Lake City, KS Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lake City, KS 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, Kansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,046 $5,046
American Family $2,232 $2,292
Farmers $4,003 $4,003
GEICO $3,773 $3,945
Liberty Mutual $4,685 $4,685
Nationwide $2,395 $2,395
Progressive $4,544 $4,544
State Farm $2,765 $2,906
Travelers $4,748 $4,748
USAA $2,500 $2,655

The Best Cheap Car Insurance Companies in Lake City, KS

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

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

Insurance Company Average Annual Rates
Allstate $5,046
American Family $2,262
Farmers $4,003
GEICO $3,859
Liberty Mutual $4,685
Nationwide $2,395
Progressive $4,544
State Farm $2,835
Travelers $4,748
USAA $2,577

Category Winners: Cheapest Car Insurance in Lake City, Kansas

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

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

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record Nationwide
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation Nationwide

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

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

Insurance Company Low Medium High
Allstate $4,930 $5,037 $5,170
American Family $2,293 $2,377 $2,117
Farmers $3,862 $3,984 $4,162
GEICO $3,772 $3,855 $3,949
Liberty Mutual $4,585 $4,675 $4,795
Nationwide $2,518 $2,368 $2,298
Progressive $4,337 $4,514 $4,782
State Farm $2,738 $2,843 $2,925
Travelers $4,529 $4,754 $4,960
USAA $2,515 $2,573 $2,644

What affects car insurance rates in Lake City, Kansas?

What factors can have an impact on Lake City, KS 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, Kansas.

Traffic in Lake City

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

Compare Car Insurance Quotes in Lake City, KS

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

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