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

The average Lake City, KS auto insurance rates are $308 per month. The minimum auto insurance in Lake City is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Lake City, Kansas, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Lake City, KS for senior drivers are $2,204 per year
  • The cheapest auto insurance company in Lake City is American Family
  • The most expensive auto insurance company in Lake City for teen drivers is Travelers

Lake City, Kansas auto insurance requirements are 25/50/25 according to Kansas 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, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Lake City to other Kansas cities, including Salina auto insurance rates, Lawrence auto insurance rates, and Topeka auto insurance rates to see how Lake City, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Lake City, Kansas

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

Minimum Required Auto 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

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

Auto insurance rates in Lake City, Kansas 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, 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

Cheap Lake City, Kansas Auto Insurance for Teen Drivers

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

Annual Auto 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

Cheap Lake City, Kansas Auto Insurance for Seniors

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

Annual Auto 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

Cheap Lake City, Kansas 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, Kansas compared to the annual auto insurance rates with a clean record in Lake City, Kansas.

Annual Lake City, Kansas Auto 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

Cheap Lake City, Kansas Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto 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

Cheap Lake City, Kansas Auto Insurance By Credit History

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

Annual Auto 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

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Cheap Lake City, Kansas Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
67071 $3,837

Cheap Lake City, Kansas Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Lake City, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto 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

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

Compare the cheapest auto insurance companies in Lake City, Kansas 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, 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

The Cheapest Lake City, Kansas Auto Insurance Companies

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

Average Annual Auto 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

What affects auto insurance rates in Lake City, Kansas?

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

Lake City Traffic

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

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Compare Lake City, Kansas Auto Insurance Quotes

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