Cheapest Auto Insurance in Lakeland, Florida (2025)

Nestled between Orlando and Tampa on I-4, Lakeland is home to a vibrant downtown area and plenty of mom-and-pop shops. The average cost of car insurance in Lakeland is $150 per month for liability-only coverage and $202 per month for full coverage.

These rates are much higher than the national averages of $107 for liability coverage and $192 for full coverage. But Lakeland drivers still spend less on average than drivers in other Florida cities, including Tampa and Orlando. This is partially due to its lower population, fewer tourist attractions, and inland location that shields it from the worst of tropical storms.

Here’s what you should know about comparing quotes and finding affordable coverage in Lakeland.

3 of the cheapest car insurance companies in Lakeland

When on the hunt for the right car insurance company in Lakeland, it’s essential to factor in your unique needs and situation. The cheapest option may vary based on your driving history, vehicle type, coverage choices, and policy limits.^[2]

Here are the best car insurance companies in Lakeland that Insurify identified to help you start your search for auto coverage.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$103	$93	Full coverage
GEICO	9.2	$150	$144	Digital policy management
Allstate	8.9	$180	$162	Usage-based insurance

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for full coverage: State Farm

Full Coverage

Compare Quotes

User Reviews	4.1 6,083 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$91/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$98/mo

Hide Details

Driver Reviews

4.1

Best choiceBased on 11,395 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,083)

Robert

Verified Review

State Farm Doing the Lord's Work

Reviewed in Florida on August 2025

They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.

Christopher

Verified Review

State Farm too expensive.

Reviewed in Florida on August 2025

Constant price increases are never a good thing.

Scott

Verified Review

State Farm: High on Cost, Low on Actual Service

Reviewed in Texas on August 2025

Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm caters to drivers in Lakeland with an array of coverage options, including liability, comprehensive, collision, medical payments, and more. Moreover, State Farm stands out by offering extra benefits, such as rental car insurance and roadside assistance.

Pros

• No. 1 in J.D. Power’s Florida customer satisfaction study

• Offers many discounts for drivers

Cons

• Gap insurance not available

• Doesn’t offer online quotes

Best insurer for digital policy management: GEICO

Digital Policy Management

Compare Quotes

User Reviews	3.9 6,453 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$137/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$139/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 12,072 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,453)

Gary

Verified Review

I have never had to file a claim, so I can't comment on that aspect. However, I'm not happy that the cost increases with every new six-month term.

Reviewed in New Jersey on August 2025

I have never had to file a claim, so I can't comment on that aspect. However, I'm not happy that the cost increases with every new six-month term.

Dean

Verified Review

Selecting the Best Company

Reviewed in Nevada on August 2025

Always compare rates every 4 years. Verify discounts.

Sherryll

Verified Review

GEICO Car Insurance has been very reliable & affordable over the years.

Reviewed in Connecticut on August 2025

Very responsive whenever I have needed help.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

GEICO offers reliable car insurance coverage featuring comparatively affordable rates, personalized service, and 85 years of industry expertise. It offers free online car insurance quotes and presents savings through an assortment of discounts.

Pros

• Above-average J.D. Power claims satisfaction rating

• Highly rated mobile app

Cons

• Doesn’t offer gap insurance

• Doesn’t offer rideshare insurance

Best insurer for usage-based insurance: Allstate

Usage-Based Insurance

Compare Quotes

User Reviews	3.9 3,683 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.9 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$159/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$170/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 6,945 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,683)

Alison

Verified Review

Allstate

Reviewed in Texas on August 2025

Great prices, agents available.

Sandra

Verified Review

Poor decision to not support clients

Reviewed in Arizona on August 2025

They did not subrogate when I was t-boned by a driver without insurance, but the registered owner was insured. However, the registered owner claimed they sold the car to the driver, but the driver never legally changed the title to their name. I would have hoped that Allstate would fight for their client and not accept that the auto was sold to the driver. The owner should have been responsible since they did not get the title out of their name.

Vickie

Verified Review

This company is fine - their prices, not so much

Reviewed in Oregon on August 2025

I've been with Allstate for home and auto insurance for the past several years. I'm totally disgusted by their constant rate hikes.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

For safe drivers who want to save with their responsible driving habits, Allstate’s DriveWise app can help. Drivers can save just by signing up for the program and then continue to save with safe driving. Plus, the app will alert authorities automatically if it detects a collision.

Pros

• Plenty of discounts available

• Offers coverage for hybrids and classic cars

Cons

• Higher average rates than competitors

• Below-average J.D. Power insurance-shopping satisfaction rating

How to get the cheapest car insurance in Lakeland

If you’re looking for the lowest rates for your driving record and personal situation, the following tips can help you in your search:

• Bundle policies. Many insurance companies offer multi-policy discounts when you purchase car insurance with other policies, such as business insurance, renters insurance, life insurance, or homeowners insurance.

• Look for discounts. Ask any insurance agents you’re working with about available discounts to get the best rate possible. Insurers may offer discounts for good driving, vehicle safety features, completing a defensive driving course, or being affiliated with certain organizations.

• Drive safely. Focus on safe driving practices to maintain a clean record. Adhere to traffic laws, avoid accidents, and stay clear of violations to keep your premiums low.

• Shop free quotes. Gather quotes from multiple companies to compare prices and find the insurer that offers you the lowest rate. Doing this when your policy renews can also help you find cheap insurance.

Find Cheap Car Insurance in Lakeland

Liability rates start at $91 per month

Enter your ZIP codeView My Quotes

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Based on 3,806+ reviews

4.8/5

Cheapest liability-only car insurance in Lakeland: State Farm

Liability-only insurance in Lakeland, Florida, includes property damage liability and personal injury protection. These coverages pay for damages you cause to others’ property and your own medical expenses, respectively. Notably, Florida liability insurance excludes bodily injury liability, which most other states require. But liability-only car insurance is generally the cheapest type of auto insurance policy you can purchase.

Liability insurance in Lakeland costs an average of $150 per month.

Here are the cheapest car insurers in Lakeland for liability-only insurance.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$91
Mile Auto	$109
GEICO	$137
Direct Auto	$145
Progressive	$153
Mercury	$159
Allstate	$159
Infinity	$179
Foremost	$186
Travelers	$189
Bristol West	$192
Root	$196
The General	$206
National General	$209
GAINSCO	$211
Dairyland	$273
AssuranceAmerica	$294
Liberty Mutual	$395

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Lakeland: State Farm

If you think Florida’s liability insurance requirements aren’t enough to protect you on the road, consider a full-coverage policy, which includes comprehensive and collision insurance. As such, full-coverage policies are more expensive, costing an average of $202 per month in Lakeland.

This policy type is a good idea for drivers with valuable vehicles, people living in accident-prone or high-theft areas, or anyone who wants extensive coverage for personal and third-party damages.

Here are the cheapest full-coverage car insurance companies in Lakeland, Florida, based on Insurify data.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$98
GEICO	$139
Mile Auto	$145
Allstate	$170
Mercury	$199
Travelers	$203
Progressive	$213
National General	$219
Direct Auto	$241
Infinity	$256
Bristol West	$262
The General	$279
Foremost	$306
Root	$306
GAINSCO	$328
Liberty Mutual	$409
AssuranceAmerica	$413
Dairyland	$489

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Florida

To drive legally in Florida, you must have at least personal injury protection (PIP) and property damage liability insurance. PIP insurance provides coverage for 80% of medical expenses for covered injuries, up to $10,000, regardless of fault. Meanwhile, property damage liability insurance handles the costs of property damage you cause in an accident. 

Remember, you have to maintain continuous coverage, even during periods when your vehicle isn’t in use, to comply with Florida’s legal requirements.

Here are the minimum car insurance requirements in the state:^[3]

Coverage	Minimum Requirements
Personal injury protection	$10,000 per accident
Property damage liability	$10,000 per accident

While you must have the above minimum coverages, you can add the following to enhance your auto insurance policy:

• 

  Collision coverage

  Collision insurance pays for damages when you hit stationary objects or other vehicles, even if you’re at fault.

• 

  Comprehensive coverage

  Comprehensive insurance pays for vehicle damages from non-collision events, such as fire, vandalism, theft, falling objects, and natural disasters.

• 

  Gap coverage

  If you financed or leased your car, gap insurance will cover the difference between your auto loan balance and the insurance settlement in the event of a total loss.

• 

  Uninsured/underinsured motorist coverage

  Uninsured/underinsured motorist coverage kicks in if someone without insurance — or someone without enough insurance to cover your damages and injuries — causes an accident.

• 

  Glass coverage

  Don’t overlook the importance of glass protection, which covers windshield and glass damage and may even offer no-deductible coverage for side windows, rear windows, and glass sunroofs.

Cheapest car insurance for drivers with an incident

For Lakeland drivers with past incidents — like speeding tickets, driving under the influence, at-fault accidents, or other moving violations — finding affordable car insurance can be difficult. These types of incidents on your record signal to insurance companies that you’re prone to risky driving behaviors and have a higher likelihood of filing a claim. To offset this higher risk, insurers raise rates.^[4]

Here are the cheapest auto insurers by driving record in Lakeland, Florida.

Shop for Auto Insurance in Lakeland, FL

Monthly rates start at $103 for drivers with an incident

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Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: State Farm

A single speeding ticket can influence your car insurance rates significantly. Insurers interpret speeding tickets as an indicator of risky driving habits, leading to a higher probability of future accidents and claims. As a result, your insurance premiums may rise.^[4]

The average rate for liability coverage with a speeding ticket is $170 in Lakeland.

The table below shows the cheapest car insurance for Lakeland drivers with a speeding ticket on their driving records.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$91	$106
Mile Auto	$109	$122
GEICO	$137	$165
Direct Auto	$145	$171
Progressive	$153	$173
Mercury	$159	$204
Allstate	$159	$186
Infinity	$179	$215
Foremost	$186	$222
Travelers	$189	$224
Bristol West	$192	$228
Root	$196	$242
The General	$206	$256
National General	$209	$244
GAINSCO	$211	$237
Dairyland	$273	$321
AssuranceAmerica	$294	$333
Liberty Mutual	$395	$472

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

An at-fault accident can cause a substantial increase in your car insurance rates because insurance companies perceive it as a sign of higher risk for future claims.^[4] In Lakeland, this translates to an average rate of $188 per month if you have an at-fault accident on your record.

Avoiding accidents is essential for safety and plays a key role in maintaining lower insurance premiums. Some insurers offer accident forgiveness programs, which will prevent rates from increasing after your first at-fault accident in a given period, usually three to five years.

If you have an at-fault accident on your record, check out the table below for the cheapest auto insurers in Lakeland.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$91	$113
Mile Auto	$109	$139
GEICO	$137	$162
Direct Auto	$145	$188
Progressive	$153	$192
Mercury	$159	$221
Allstate	$159	$199
Infinity	$179	$223
Foremost	$186	$238
Travelers	$189	$239
Bristol West	$192	$243
Root	$196	$243
The General	$206	$271
National General	$209	$261
GAINSCO	$211	$259
Dairyland	$273	$345
AssuranceAmerica	$294	$350
Liberty Mutual	$395	$504

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

A DUI conviction can lead to a significant surge in your car insurance rates. The average rate for liability coverage in Lakeland is $185 per month. Insurers view DUIs as a substantial risk factor, indicating a higher likelihood of accidents and claims. As a result, your insurance premiums may skyrocket after a DUI, especially if Florida requires you to purchase FR-44 insurance.

The following table includes the cheapest car insurance companies for drivers with a DUI conviction in Lakeland.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$91	$125
Mile Auto	$109	$150
GEICO	$137	$189
Direct Auto	$145	$200
Progressive	$153	$188
Mercury	$159	$218
Allstate	$159	$219
Infinity	$179	$246
Foremost	$186	$256
Travelers	$189	$260
Bristol West	$192	$264
Root	$196	$270
The General	$206	$284
National General	$209	$288
GAINSCO	$211	$290
Dairyland	$273	$376
AssuranceAmerica	$294	$405
Liberty Mutual	$395	$544

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

People 65 years and older make up more than 21% of Lakeland’s population.^[5] Insurance companies consider a driver’s age when calculating premiums; as you gain driving experience and reach your mid-30s, car insurance rates often decrease. But around age 70, premiums increase slightly due to factors like potential health issues and higher accident fatality rates.^[6]

Seniors in Lakeland pay an average of $131 per month for liability car insurance. Despite this slight uptick, seniors still tend to pay lower rates than other age groups.

Here are the insurance companies with the cheapest auto policies for senior drivers in Lakeland.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$78	$72
GEICO	$110	$109
Mile Auto	$113	$85
Allstate	$139	$130
Travelers	$162	$151
Mercury	$166	$133
National General	$171	$163
Infinity	$185	$130
Progressive	$186	$134
Direct Auto	$192	$116
Bristol West	$217	$159
The General	$228	$168
Root	$259	$166
Foremost	$263	$160
GAINSCO	$276	$178
AssuranceAmerica	$324	$230
Liberty Mutual	$345	$333
Dairyland	$403	$225

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teenagers and young adults pay higher rates than older drivers due to their limited experience and higher-risk profiles. In Lakeland this translates to an average monthly rate of $259 for liability coverage.

As a teenager, one effective method to achieve cost-effective coverage is to stay on a parent’s insurance policy, which typically results in lower rates.

Teens and young drivers can still find affordable car insurance, despite typically paying higher rates. Here are the cheapest auto insurers for teenagers and young adults in Lakeland.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$180	$167
GEICO	$240	$237
Mile Auto	$289	$217
Allstate	$323	$302
Mercury	$360	$288
Progressive	$367	$264
Travelers	$390	$363
National General	$431	$411
Bristol West	$454	$332
Direct Auto	$458	$276
The General	$462	$341
Infinity	$462	$323
Root	$517	$331
Foremost	$564	$343
GAINSCO	$593	$381
Liberty Mutual	$714	$690
Dairyland	$784	$438
AssuranceAmerica	$793	$565

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Lakeland car insurance quotes by credit tier

Florida insurance companies can use credit histories as one of the factors when calculating insurance rates, but they can’t solely rely on them for setting premiums.^[7] Lakeland drivers with excellent or good credit scores pay lower average rates, and drivers with poor credit scores may face higher premiums.

For average monthly quotes in Lakeland based on credit tier, check out the chart below.

Is car insurance more expensive in Lakeland?

In the United States, the average cost of full-coverage car insurance is $192 per month. Meanwhile, Lakeland residents face a substantially higher average monthly premium of $202 for this coverage. Car insurance rates can vary based on factors like weather conditions, crime rates, ZIP code, and traffic volume in a city.^[2]

More cities in Florida

Compared to drivers in other Florida cities, Lakeland drivers typically pay lower monthly car insurance premiums. This could be attributed to Lakeland’s fewer residents and lower rates of accidents compared to neighboring cities, like Orlando and Tampa.

Here are average car insurance quotes in other Florida cities compared to Lakeland’s.

City	Full Coverage	Liability Only
Cape Coral	$212	$146
Clearwater	$197	$162
Fort Lauderdale	$253	$192
Jacksonville	$223	$154
Miami	$280	$203
Ocala	$191	$139
Orlando	$230	$175
Pensacola	$198	$128
Tallahassee	$202	$142
Tampa	$285	$214
Winter Haven	$213	$164

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Lakeland car insurance FAQs