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

The average Lake City, SC auto insurance rates are $328 per month. The minimum auto insurance in Lake City is at least 25/50/25 in coverage to comply with South Carolina auto insurance laws. To find the best cheap auto insurance in Lake City, South Carolina, 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 cheapest auto insurance company in Lake City is State Farm
  • The minimum auto insurance required in Lake City, South Carolina is 25/50/25
  • Average auto insurance rates in Lake City, SC for senior drivers are $2,353 per year

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

Compare auto insurance in Lake City to other South Carolina cities, including Mount Pleasant auto insurance rates, North Charleston auto insurance rates, and Sumter auto insurance rates to see how Lake City, South Carolina auto insurance rates stack up.

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

Minimum Auto Insurance in Lake City, South Carolina

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

Minimum Required Auto Insurance Coverage in Lake City, South Carolina

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, South Carolina Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Lake City, South Carolina 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, South Carolina

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 $2,720 $2,720 $2,599 $2,599 $6,921 $8,823 $3,012 $3,277
Farmers $3,317 $3,346 $3,151 $3,447 $8,482 $9,376 $3,605 $3,625
GEICO $2,439 $2,439 $2,231 $2,231 $5,470 $5,635 $2,813 $2,862
Nationwide $2,624 $2,661 $2,357 $2,453 $6,300 $8,153 $2,965 $3,245
Progressive $2,572 $2,373 $2,203 $2,300 $10,333 $11,415 $2,940 $3,049
State Farm $1,949 $1,949 $1,753 $1,753 $5,382 $6,797 $2,182 $2,436
USAA $2,101 $2,115 $1,927 $1,939 $8,286 $9,093 $2,762 $2,926

Cheap Lake City, South Carolina Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lake City, South Carolina

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,921 $8,823
Farmers $8,482 $9,376
GEICO $5,470 $5,635
Nationwide $6,300 $8,153
Progressive $10,333 $11,415
State Farm $5,382 $6,797
USAA $8,286 $9,093

Cheap Lake City, South Carolina Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lake City, South Carolina

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,599 $2,599
Farmers $3,151 $3,447
GEICO $2,231 $2,231
Nationwide $2,357 $2,453
Progressive $2,203 $2,300
State Farm $1,753 $1,753
USAA $1,927 $1,939

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

Annual Lake City, South Carolina Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,092 $4,880 $4,298 $4,065
Farmers $4,016 $5,503 $4,604 $5,051
GEICO $2,483 $3,220 $4,876 $2,483
Nationwide $3,055 $3,955 $5,004 $3,366
Progressive $3,815 $5,519 $4,639 $4,620
State Farm $2,762 $3,346 $2,996 $2,996
USAA $3,081 $3,802 $5,241 $3,451

Cheap Lake City, South Carolina Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lake City, South Carolina

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,298
Farmers $4,604
GEICO $4,876
Nationwide $5,004
Progressive $4,639
State Farm $2,996
USAA $5,241

Cheap Lake City, South Carolina Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lake City, South Carolina

Insurance Company Poor Fair Good
Allstate $5,150 $3,849 $3,252
Farmers $5,547 $4,621 $4,212
GEICO $4,980 $2,679 $2,137
Nationwide $4,576 $3,705 $3,253
Progressive $5,192 $4,535 $4,217
State Farm $4,339 $2,651 $2,086
USAA $6,099 $2,982 $2,600

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Cheap Lake City, South Carolina Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lake City, South Carolina

ZIP Code Average Annual Rates
29560 $3,634

Cheap Lake City, South Carolina Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lake City, South Carolina

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,997 $4,170
Farmers $4,794 $4,794
GEICO $3,252 $3,278
Nationwide $3,845 $3,845
Progressive $4,648 $4,648
State Farm $2,949 $3,101
USAA $3,852 $3,935

Cheap Lake City, South Carolina Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lake City, South Carolina

Insurance Company Low Medium High
Allstate $3,834 $4,064 $4,353
Farmers $4,233 $4,784 $5,364
GEICO $3,036 $3,231 $3,528
Nationwide $3,792 $3,847 $3,895
Progressive $4,263 $4,576 $5,106
State Farm $2,803 $3,024 $3,248
USAA $3,660 $3,888 $4,133

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Best By Category: Cheapest Auto Insurance in Lake City, South Carolina

Compare the cheapest auto insurance companies in Lake City, South Carolina 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, South Carolina

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

The Cheapest Lake City, South Carolina Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lake City, South Carolina

Insurance Company Average Annual Rates
Allstate $4,084
Farmers $4,794
GEICO $3,265
Nationwide $3,845
Progressive $4,648
State Farm $3,025
USAA $3,894

What affects auto insurance rates in Lake City, South Carolina?

There are a lot of reasons why auto insurance rates in Lake City, South Carolina are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lake City, South Carolina. 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, South Carolina commute length is 28.9 minutes according to City-Data.

Lake City Traffic

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

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Compare Lake City, South Carolina Auto Insurance Quotes

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