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Auto Insurance

We offer high-quality, affordable car insurance from a variety of leading carriers such as Erie Insurance and Progressive. Learn more about what car insurance covers and what discounts may be available to you. Then, get a quick and easy quote online and prepare for savings!

Standard Coverages

With auto insurance, there are two main types of coverage: liability and comprehensive & collision. Explore what your options are and what each means.


Liability insurance helps to cover a driver in the case that they are responsible for an accident that injures another person or another person's property. Instead of paying out of pocket for another person's medical expenses or damage to their care, your insurance kicks in to help cover these costs. This coverage is the bare minimum required for every driver in nearly every state. 

It's also a smart idea to consider an umbrella policy, which can provide you with $1 million or more in liability protection for catastrophic accidents. It's a surprisingly inexpensive way to ensure you're protected from a serious financial loss.

Comprehensive and Collision

Collision coverage covers you in the event they are in an accident with another vehicle, regardless of fault. It also covers you for other events involving a collision, such as hitting a tree or a street pole. 

Comprehensive coverage covers you for accidents that don't involve a collision. This could be anything from windshield damage, a fire, or hitting a deer. The exact coverage varies by insurance carrier.

Both comprehensive and collision are recommended coverages that can be tailored to meet your needs and budget. 

Additional Coverages

Our auto policies offer a lot of what you might expect, but may include a lot of extras you might not. Contact us for a full list of auto insurance features.

Pet Coverage

If your pet is injured in a car accident while riding in your car, you could receive up to $500 per pet (limit $1,000) to help cover vet treatments.

Personal item coverage

With physical damage coverage, you could receive up to $350 to help cover the loss of clothing, luggage, and other personal belongings that are inside your insured vehicle.

Auto glass repair

With certain comprehensive coverage, you could have glass repairs included, which waives the deductible for repairs. You also have the option to add full window coverage, which waives your deductible regardless of window repairs or replacement. Both options cover new wiper blades if you need your windshield replaced.

Locksmith services

Accidentally lock your keys inside your car? No worries; with locksmith services, your auto policy could cover up to $75 in locksmith fees.

Erie Rate Lock®

Avoid care insurance rate increases with Erie Rate Lock. Offered through Erie Insurance, Rate Lock allows you to lock in your current rates. This means your rates will never increase*, even if you are in an accident. Now that's a smart move.

Rates subject to change if you add or remove a vehicle, add or remove a driver, or change your address or the place you usually park your car. ERIE Rate Lock® does not guarantee continued insurance coverage. Not available in all states. Limited to three years in Virginia. Insured must meet applicable underwriting guidelines. Premium may change if you make a policy change. 

It's Easy to Save

Explore ways to save more on your car insurance with our featured discounts.

Click here to explore our available discounts and discover how you could save.

Multi-policy discount

If you bundle your auto insurance with a qualifying home or life policy, you could receive a multi-policy discount of up to 25%.

Multi-car discount

By insuring two or more vehicles, you could be eligible for a multi-car discount.

Safe driver discount

Have a great driving record? Safe drivers with a good driving record could qualify for a safe driver discount.

Annual payment discount

By paying your premiums in one lump-sum annually, you could receive an annual payment discount of 7%.

Real People Saving Real Money

"Lake Insurance provided me with ... savings of more than $1,000 a year on my auto policy."

- Michael S.

Click here to read more of our reviews.

Ready to get started with a car insurance quote from Lake Insurance?

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Have Questions?

We have answers. Here are a few resources to help you along your way. 

The ABC&#8217;s of Auto Insurance

The ABC’s of Auto Insurance

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Buying Auto Insurance For Teen Drivers

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Should I Buy or Lease an Auto?

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