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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in automa...

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Reviewed by Melanie Musson
Published Insurance Expert

UPDATED: Aug 2, 2021

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Just What's Essential

  • The cheapest car insurance company in Lake City for teen drivers is USAA
  • Average car insurance rates in Lake City, AR for senior drivers are $2,075/year
  • Average car insurance rates in Lake City, AR are $336/month

Average car insurance rates in Lake City, Arkansas are $336 a month. But with a little research you can get a great deal from the top car insurance companies in Lake City, AR. Before you buy Lake City, Arkansas car insurance, make sure your coverage meets or exceeds the Arkansas minimum of 25/50/25.

It may even be helpful to compare Lake City car insurance rates with Jonesboro car insurance rates, North Little Rock car insurance rates, or Bentonville car insurance rates to make sure you’re getting the best Lake City, AR car insurance quotes available.

Need affordable Lake City, AR car insurance? Enter your ZIP code to compare Lake City car insurance quotes from multiple car insurance companies near you.

Lake City, AR Minimum Car Insurance Coverage

Lake City, Arkansas law requires drivers carry a minimum of 25/50/25 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Lake City, Arkansas

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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Lake City, AR Car Insurance Rates by Coverage Level

Some Lake City drivers can get by with the Arkansas minimum coverage of 25/50/25. Other drivers may need more. See how much your Lake City, Arkansas car insurance rates may be based on the coverage you need.

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

Insurance Company Low Medium High
Allstate $4,878 $5,030 $5,192
Farmers $3,901 $4,073 $4,383
GEICO $3,174 $3,325 $3,480
Liberty Mutual $3,677 $3,794 $4,004
Nationwide $4,022 $3,922 $4,073
Progressive $4,522 $4,889 $5,553
State Farm $2,437 $2,575 $2,721
Travelers $5,780 $6,133 $6,441
USAA $2,171 $2,265 $2,386

Lake City, AR Car Insurance Rates by Age, Gender, and Marital Status

Lake City, Arkansas car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lake City, AR car insurance, get quotes from multiple car insurance companies in the Lake City area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake City, Arkansas

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 $2,802 $2,809 $2,516 $2,688 $10,478 $12,587 $3,069 $3,315
Farmers $2,216 $2,206 $1,978 $2,083 $9,457 $9,807 $2,538 $2,667
GEICO $2,360 $2,325 $2,170 $2,109 $6,473 $6,458 $2,341 $2,375
Liberty Mutual $2,188 $2,342 $2,111 $2,361 $7,986 $8,798 $2,360 $2,456
Nationwide $2,718 $2,768 $2,440 $2,578 $6,624 $8,442 $3,116 $3,360
Progressive $2,624 $2,476 $2,161 $2,262 $11,237 $12,646 $3,129 $3,371
State Farm $1,584 $1,584 $1,433 $1,433 $4,768 $5,975 $1,788 $2,058
Travelers $2,225 $2,264 $2,218 $2,222 $13,358 $21,546 $2,390 $2,723
USAA $1,384 $1,393 $1,290 $1,291 $4,468 $4,663 $1,784 $1,917

Lake City, AR Car Insurance Rates for Teens

How much is Lake City, Arkansas car insurance for teens? Compare rates from top Lake City car insurance companies below to help find the cheapest teen car insurance in Lake City, AR.

Annual Car Insurance Rates for Teen Drivers in Lake City, Arkansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,478 $12,587
Farmers $9,457 $9,807
GEICO $6,473 $6,458
Liberty Mutual $7,986 $8,798
Nationwide $6,624 $8,442
Progressive $11,237 $12,646
State Farm $4,768 $5,975
Travelers $13,358 $21,546
USAA $4,468 $4,663

Lake City, AR Car Insurance Rates for Seniors

Before seniors buy Lake City, Arkansas car insurance, they should make sure to shop around. Some Lake City, AR car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Lake City, Arkansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,516 $2,688
Farmers $1,978 $2,083
GEICO $2,170 $2,109
Liberty Mutual $2,111 $2,361
Nationwide $2,440 $2,578
Progressive $2,161 $2,262
State Farm $1,433 $1,433
Travelers $2,218 $2,222
USAA $1,290 $1,291

Lake City, AR Car Insurance Rates by Credit History

How does your credit history affect Lake City, AR car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Lake City, Arkansas

Insurance Company Poor Fair Good
Allstate $6,315 $4,853 $3,932
Farmers $4,681 $3,931 $3,745
GEICO $3,982 $3,279 $2,718
Liberty Mutual $5,515 $3,342 $2,618
Nationwide $4,733 $3,811 $3,473
Progressive $5,642 $4,827 $4,494
State Farm $3,733 $2,249 $1,752
Travelers $7,009 $5,863 $5,483
USAA $3,005 $2,059 $1,758

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Lake City, AR Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lake City, Arkansas car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lake City.

Annual Lake City, Arkansas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,133 $5,221 $5,819 $4,960
Farmers $3,481 $4,465 $4,363 $4,167
GEICO $2,274 $3,466 $5,118 $2,448
Liberty Mutual $2,604 $4,240 $4,959 $3,498
Nationwide $3,114 $4,027 $5,453 $3,429
Progressive $4,298 $5,983 $4,521 $5,150
State Farm $2,353 $2,802 $2,578 $2,578
Travelers $5,122 $5,292 $7,772 $6,287
USAA $1,742 $2,219 $3,200 $1,934

Lake City, AR Car Insurance Rates With a DUI

Even a single DUI can increase your Lake City, AR car insurance rates. Compare rates below to see which Lake City car insurance company has the best rates for drivers with a DUI.

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,819
Farmers $4,363
GEICO $5,118
Liberty Mutual $4,959
Nationwide $5,453
Progressive $4,521
State Farm $2,578
Travelers $7,772
USAA $3,200

Lake City, AR Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lake City, AR car insurance rates may be. Let’s take a look at average car insurance rates from top Lake City companies based on commute time.

Annual Car Insurance Rates by Commute Length in Lake City, Arkansas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,033 $5,033
Farmers $4,119 $4,119
GEICO $3,298 $3,355
Liberty Mutual $3,825 $3,825
Nationwide $4,006 $4,006
Progressive $4,988 $4,988
State Farm $2,515 $2,640
Travelers $6,118 $6,118
USAA $2,209 $2,338

Lake City, AR Cheapest Car Insurance Rates

How do the top Lake City, Arkansas car insurance companies’ average rates stack up against the Lake City average monthly car insurance rates of $336? Take a look and see.

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

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

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Lake City, AR Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lake City, Arkansas car insurance companies to help you find one that best fits your needs.

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

Insurance Company Average Annual Rates
Allstate $5,033
Farmers $4,119
GEICO $3,326
Liberty Mutual $3,825
Nationwide $4,006
Progressive $4,988
State Farm $2,578
Travelers $6,118
USAA $2,274

Other Factors Affecting Lake City, AR Car Insurance Rates

Before you buy Lake City, Arkansas car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lake City, AR Commute Time

How does your Lake City, AR commute time compare with the average driver? In Lake City, the average commute is 20.5 minutes.

Lake City, AR Traffic

Spending time in Lake City traffic can lead to higher car insurance rates. According to INRIX data, Lake City, AR ranks as the 929th-most congested with traffic in the world.

Lake City, AR Car Insurance Quotes

Compare Lake City, AR car insurance quotes from multiple companies by entering your ZIP code now.