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

The average Lake City, PA auto insurance rates are $322 per month. The minimum auto insurance in Lake City is at least 15/30/5 in coverage to comply with Pennsylvania auto insurance laws. To find the best cheap auto insurance in Lake City, Pennsylvania, 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: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Lake City, Pennsylvania is 15/30/5
  • The average commute length in Lake City is 22.4 minutes
  • The cheapest auto insurance company in Lake City is USAA

Lake City, Pennsylvania auto insurance requirements are 15/30/5 according to Pennsylvania 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, Pennsylvania, including driving record, credit, commute time, and more.

Compare auto insurance in Lake City to other Pennsylvania cities, including Lancaster auto insurance rates, York auto insurance rates, and Scranton auto insurance rates to see how Lake City, Pennsylvania auto insurance rates stack up.

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

Minimum Auto Insurance in Lake City, Pennsylvania

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

Minimum Required Auto Insurance Coverage in Lake City, Pennsylvania

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

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

Auto insurance rates in Lake City, Pennsylvania 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, Pennsylvania

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 $2,370 $2,370 $2,196 $2,196 $8,071 $8,071 $2,596 $2,596
GEICO $2,315 $2,001 $2,160 $1,868 $5,855 $5,076 $2,343 $2,025
Liberty Mutual $4,145 $4,145 $3,795 $3,795 $12,147 $12,147 $5,268 $5,268
Nationwide $1,703 $1,703 $1,614 $1,614 $4,805 $4,805 $1,910 $1,910
Progressive $2,532 $2,532 $2,261 $2,261 $8,192 $8,192 $3,247 $3,247
State Farm $1,589 $1,589 $1,402 $1,402 $5,627 $5,627 $1,750 $1,750
Travelers $1,560 $1,560 $1,671 $1,671 $22,620 $22,620 $1,886 $1,886
USAA $1,089 $1,089 $984 $984 $3,288 $3,288 $1,445 $1,445

Cheap Lake City, Pennsylvania Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,071 $8,071
GEICO $5,855 $5,076
Liberty Mutual $12,147 $12,147
Nationwide $4,805 $4,805
Progressive $8,192 $8,192
State Farm $5,627 $5,627
Travelers $22,620 $22,620
USAA $3,288 $3,288

Cheap Lake City, Pennsylvania Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,196 $2,196
GEICO $2,160 $1,868
Liberty Mutual $3,795 $3,795
Nationwide $1,614 $1,614
Progressive $2,261 $2,261
State Farm $1,402 $1,402
Travelers $1,671 $1,671
USAA $984 $984

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

Annual Lake City, Pennsylvania Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,644 $4,300 $3,644 $3,644
GEICO $2,167 $3,733 $2,908 $3,013
Liberty Mutual $5,792 $6,615 $6,473 $6,473
Nationwide $1,814 $2,424 $3,370 $2,424
Progressive $3,679 $5,080 $3,785 $3,688
State Farm $2,375 $2,809 $2,592 $2,592
Travelers $4,941 $6,999 $8,798 $6,999
USAA $1,370 $1,891 $2,016 $1,530

Cheap Lake City, Pennsylvania Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,644
GEICO $2,908
Liberty Mutual $6,473
Nationwide $3,370
Progressive $3,785
State Farm $2,592
Travelers $8,798
USAA $2,016

Cheap Lake City, Pennsylvania Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $4,859 $3,635 $2,932
GEICO $4,445 $2,496 $1,925
Liberty Mutual $8,094 $5,801 $5,121
Nationwide $2,942 $2,422 $2,160
Progressive $5,372 $3,772 $3,030
State Farm $3,685 $2,286 $1,806
Travelers $7,547 $6,817 $6,438
USAA $2,122 $1,581 $1,402

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Cheap Lake City, Pennsylvania Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
16423 $4,733

Cheap Lake City, Pennsylvania Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,732 $3,885
GEICO $2,905 $3,005
Liberty Mutual $6,175 $6,502
Nationwide $2,508 $2,508
Progressive $4,058 $4,058
State Farm $2,516 $2,668
Travelers $6,934 $6,934
USAA $1,653 $1,750

Cheap Lake City, Pennsylvania Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $3,645 $3,832 $3,948
GEICO $2,725 $2,980 $3,161
Liberty Mutual $6,061 $6,380 $6,575
Nationwide $2,520 $2,540 $2,464
Progressive $3,716 $4,091 $4,367
State Farm $2,422 $2,624 $2,730
Travelers $7,021 $6,933 $6,849
USAA $1,584 $1,717 $1,804

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

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

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

The Cheapest Lake City, Pennsylvania Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $3,808
GEICO $2,955
Liberty Mutual $6,339
Nationwide $2,508
Progressive $4,058
State Farm $2,592
Travelers $6,934
USAA $1,702

What affects auto insurance rates in Lake City, Pennsylvania?

There are a lot of reasons why auto insurance rates in Lake City, Pennsylvania are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lake City, Pennsylvania. 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, Pennsylvania commute length is 22.4 minutes according to City-Data.

Lake City Traffic

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

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Compare Lake City, Pennsylvania Auto Insurance Quotes

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