Cheap Quotes for Lake City, AR Car Insurance (2021)

Lake City, Arkansas car insurance rates average $336 a month and Arkansas law requires coverage of at least 25/50/25. By comparing rates from multiple Lake City, AR companies, you can find cheap Lake City car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Lake City, AR are $336/month
  • Lake City has an average commute time of 20.5 minutes
  • Average car insurance rates in Lake City, AR after a DUI are $4,865/year

How do the Lake City, Arkansas monthly average car insurance rates of $336/month compare to nearby cities like Conway car insurance rates, North Little Rock car insurance rates, and Fort Smith car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lake City, AR.

We’ll cover the Arkansas minimum coverage requirements, Arkansas car insurance laws, and Lake City, AR statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Lake City, Arkansas companies to find the most affordable Lake City car insurance rates.

Enter your ZIP code above to find cheap Lake City, AR car insurance quotes today.

What are the minimum Lake City, AR car insurance requirements?

To meet Arkansas minimum car insurance coverage requirements, Lake City, AR drivers need to carry at least 25/50/25 coverage.

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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How do age, gender, and marital status affect Lake City, AR car insurance rates?

Three of the criteria that most affect car insurance rates in Lake City, Arkansas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Lake City car insurance companies.

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

How much do teen drivers pay for car insurance in Lake City, AR?

Lake City, Arkansas car insurance rates for teens are often higher than rates for other drivers. Compare Lake City car insurance rates from multiple Lake City, Arkansas car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in Lake City, AR?

With a little research, seniors can find affordable car insurance in Lake City, Arkansas. Here’s a look at how the top Lake City car insurance companies stack up.

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

How does coverage level affect Lake City, AR car insurance rates?

How much coverage do you need? Are you comfortable with the Arkansas minimum of 25/50/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Lake City, AR car insurance rates will be. Let’s take a look.

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

How does your driving record affect Lake City, AR car insurance rates?

Safe driving pays off. The more traffic violations you have in Lake City, AR, the higher your car insurance rates will be. Compare rates based on driving infractions from top Lake City, Arkansas companies.

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

How does a DUI affect Lake City, AR car insurance rates?

With even one DUI on your record, you can see an increase in your Lake City, AR car insurance rates.

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

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How does your credit history affect Lake City, AR car insurance rates?

Take a look at the data here to see how your Lake City, Arkansas car insurance rates are affected by your credit history.

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

How does your commute affect Lake City, AR car insurance rates?

Lake City, AR car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Arkansas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Lake City if you’re financing.

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

Who has the cheapest Lake City, AR car insurance rates?

Here’s a breakdown of Lake City, Arkansas car insurance rates by company. You can see which company offers the cheapest Lake City car insurance rates in each category.

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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What are the top Lake City, AR car insurance companies?

Which Lake City, Arkansas car insurance company will best fit your needs and budget? Check out this comparison of the top Lake City companies to find the one for you.

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

What factors affect Lake City, AR car insurance rates?

Why are Lake City, Arkansas car insurance rates different than rates in Conway or North Little Rock? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Lake City, AR?

More time spent behind the wheel can lead to higher Lake City, Arkansas car insurance rates. In Lake City, AR, the average commute length is 20.5 minutes.

What is the traffic like in Lake City, AR

Like commute length, time spent in traffic also increase risk of accidents. Lake City, AR is listed as 929th in INRIX congested cities data.

Car Insurance Quotes for Lake City, AR

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