Best Cheap Auto Insurance in Lake City, GA (2021)

The average Lake City, GA auto insurance rates are $481 per month. The minimum auto insurance in Lake City is at least 25/50/25 in coverage to comply with Georgia auto insurance laws. To find the best cheap auto insurance in Lake City, Georgia, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Lake City is USAA
  • Average auto insurance rates in Lake City, GA for senior drivers are $3,153 per year
  • The minimum auto insurance required in Lake City, Georgia is 25/50/25

Lake City, Georgia auto insurance requirements are 25/50/25 according to Georgia auto insurance laws. Finding cheap auto insurance in Lake City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lake City, Georgia, including driving record, credit, commute time, and more.

Compare auto insurance in Lake City to other Georgia cities, including Columbus auto insurance rates, Johns Creek auto insurance rates, and Roswell auto insurance rates to see how Lake City, Georgia auto insurance rates stack up.

Before you buy Lake City, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lake City, Georgia auto insurance quotes.

Minimum Auto Insurance in Lake City, Georgia

Lake City, Georgia auto insurance laws require that you have at least the Georgia minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lake City, Georgia.

Minimum Required Auto Insurance Coverage in Lake City, Georgia

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

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

Auto insurance rates in Lake City, Georgia are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

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 $3,285 $3,285 $3,152 $3,152 $7,762 $10,000 $3,680 $4,018
GEICO $2,539 $2,520 $2,474 $2,474 $8,236 $9,835 $3,291 $3,670
Liberty Mutual $6,102 $6,653 $5,013 $5,727 $26,944 $30,142 $6,416 $6,786
Nationwide $3,358 $3,472 $3,343 $3,669 $10,401 $13,363 $4,093 $4,435
Progressive $3,535 $3,194 $3,038 $3,224 $11,426 $12,641 $4,029 $4,156
State Farm $2,730 $2,730 $2,453 $2,453 $7,326 $9,638 $3,000 $3,236
USAA $2,116 $2,112 $1,983 $1,980 $7,926 $9,341 $2,649 $2,925

Cheap Lake City, Georgia Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Lake City, Georgia is a challenge. Take a look at the annual teen auto insurance rates in Lake City, Georgia.

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,762 $10,000
GEICO $8,236 $9,835
Liberty Mutual $26,944 $30,142
Nationwide $10,401 $13,363
Progressive $11,426 $12,641
State Farm $7,326 $9,638
USAA $7,926 $9,341

Cheap Lake City, Georgia Auto Insurance for Seniors

What are senior auto insurance rates in Lake City, Georgia? Take a look at the annual average rates for older drivers.

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,152 $3,152
GEICO $2,474 $2,474
Liberty Mutual $5,013 $5,727
Nationwide $3,343 $3,669
Progressive $3,038 $3,224
State Farm $2,453 $2,453
USAA $1,983 $1,980

Cheap Lake City, Georgia Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lake City, Georgia compared to the annual auto insurance rates with a clean record in Lake City, Georgia.

Annual Lake City, Georgia Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,929 $6,121 $4,976 $4,141
GEICO $2,822 $3,501 $7,863 $3,335
Liberty Mutual $8,914 $12,173 $13,967 $11,837
Nationwide $4,450 $5,220 $8,009 $5,388
Progressive $4,369 $7,902 $5,253 $5,098
State Farm $3,819 $4,573 $4,196 $4,196
USAA $2,960 $3,778 $5,470 $3,308

Cheap Lake City, Georgia Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Lake City, Georgia is not easy. Compare the annual rates for DUI auto insurance in Lake City, Georgia to find the best deal.

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,976
GEICO $7,863
Liberty Mutual $13,967
Nationwide $8,009
Progressive $5,253
State Farm $4,196
USAA $5,470

Cheap Lake City, Georgia Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Lake City, Georgia annual auto insurance rates by credit history compare.

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

Insurance Company Poor Fair Good
Allstate $6,210 $4,317 $3,847
GEICO $5,895 $3,646 $3,599
Liberty Mutual $16,784 $10,312 $8,073
Nationwide $6,843 $5,571 $4,886
Progressive $6,347 $5,520 $5,098
State Farm $5,951 $3,704 $2,933
USAA $5,037 $3,558 $3,042

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Cheap Lake City, Georgia Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Lake City, Georgia can vary. Compare the annual cost of auto insurance by ZIP code in Lake City, Georgia to see how car insurance rates are affected by location.

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

ZIP Code Average Annual Rates
30260 $5,573

Cheap Lake City, Georgia Auto Insurance Rates By Commute

Commute length and annual mileage affect Lake City, Georgia auto insurance. Find the cheapest annual Lake City, Georgia auto insurance by commute length.

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,683 $4,901
GEICO $4,311 $4,449
Liberty Mutual $11,723 $11,723
Nationwide $5,767 $5,767
Progressive $5,655 $5,655
State Farm $4,196 $4,196
USAA $3,702 $4,056

Cheap Lake City, Georgia Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Lake City, Georgia? Check out the comparison of annual Lake City, Georgia auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,418 $4,842 $5,114
GEICO $3,973 $4,405 $4,762
Liberty Mutual $11,094 $11,640 $12,435
Nationwide $5,527 $5,879 $5,895
Progressive $5,012 $5,532 $6,421
State Farm $3,912 $4,200 $4,475
USAA $3,674 $3,857 $4,105

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Best By Category: Cheapest Auto Insurance in Lake City, Georgia

Compare the cheapest auto insurance companies in Lake City, Georgia in each category to find the company with the best rates for your personal needs.

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

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

The Cheapest Lake City, Georgia Auto Insurance Companies

What auto insurance companies in Lake City, Georgia are the cheapest? Compare the top Lake City, Georgia auto insurance companies to find the best annual rates.

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

Insurance Company Average Annual Rates
Allstate $4,792
GEICO $4,380
Liberty Mutual $11,723
Nationwide $5,767
Progressive $5,655
State Farm $4,196
USAA $3,879

What affects auto insurance rates in Lake City, Georgia?

There are a lot of reasons why auto insurance rates in Lake City, Georgia are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lake City, Georgia. Many local factors may affect your Lake City auto insurance rates.

Lake City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lake City, Georgia commute length is 24.0 minutes according to City-Data.

Lake City Traffic

How does Lake City, Georgia rank for traffic? According to Inrix Lake City, Georgia is the 929th most congested worldwide.

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Compare Lake City, Georgia Auto Insurance Quotes

Before you buy Lake City, Georgia auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lake City, Georgia auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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