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Cheapest recent rates near Lakeland, Florida
Drivers using Insurify have found quotes as cheap as $51/mo for liability only and $70/mo for full coverage in Lakeland and other Florida cities.
*Quotes generated for Insurify users in and around Lakeland, Florida within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lakeland, Florida within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $145 per month for liability-only coverage and $219 per month for full coverage.
These rates are much higher than the national averages of $105 for liability coverage and $199 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.
Quick Facts
State Farm, GEICO, and Mile Auto have the cheapest car insurance in Lakeland.
Lakeland drivers pay a yearly average of $2,634 for full-coverage car insurance.
A driving under the influence (DUI) conviction in Florida can result in FR-44 insurance filing requirement, which increases minimum insurance requirements for the driver.[1]
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
$84
$69
Full coverage
GEICO
9.0
$86
$71
Digital policy management
Allstate
8.9
$146
$119
Usage-based insurance
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
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.
$63/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.
$77/mo
4.2
Best choiceBased on 9,467 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
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
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,215)
Casel
January 28, 2025
Verified Review
I've only had one claim in the last 20 years, but they still raise my rates even though I only drive an average of 5 miles a week.
I've only had one claim in the last 20 years, but they still raise my rates even though I only drive an average of 5 miles a week.
Jennifer
January 28, 2025
Verified Review
Increased Payment
Increased payment.
Roland
January 27, 2025
Verified Review
Paying Too Much for Minimal Personal Vehicle Use
The prices are too high for seniors. I have a 2016 Chevy Colorado with only 37,000 miles on it. I use my work truck more than my personal one, and I feel I'm paying too much. If you can negotiate a cheaper price, I will stay. If not, I will look for a better company with a cheaper policy.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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
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.
9.0 /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.
$65/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.
$79/mo
4.0
Best choiceBased on 10,642 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,852)
Anthony
January 28, 2025
Verified Review
The Policy in a Nutshell
It was high-priced for what they offered. However, they were convenient to work with. In the end, it cost me to cancel my policy. The big guy always wins!
Dawne
January 27, 2025
Verified Review
Just a little too much
The rates are increased, but the reason is not given.
Ada
January 27, 2025
Verified Review
GEICO High Premiums
Premiums continue to increase significantly every 6 months.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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
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.
$109/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.
$134/mo
4.0
Best choiceBased on 5,869 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
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 initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,203)
David
January 27, 2025
Verified Review
Policy Cost Too High
It's too expensive.
Bill
January 27, 2025
Verified Review
I don't appreciate the underwriters making conclusions about circumstances that a client was not aware of. They ended up not renewing the policy, forcing their client to find someone else. Just for liability insurance, it cost $700 a month.
I don't appreciate the underwriters making conclusions about circumstances that a client was not aware of. They ended up not renewing the policy, forcing their client to find someone else. Just for liability insurance, it cost $700 a month.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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 $63 per month
Secure. Free. Easy-to-use.
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 $145 per month.
Here are the cheapest car insurers in Lakeland for liability-only insurance.
The below rates are estimated rates current as of: Wednesday, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$63
GEICO
$65
Mile Auto
$104
Allstate
$109
Root
$131
Travelers
$131
Direct Auto
$147
Mercury
$147
Progressive
$166
Infinity
$179
Foremost
$191
GAINSCO
$209
Dairyland
$213
Bristol West
$222
National General
$250
The General
$275
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $219 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, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$77
GEICO
$79
Mile Auto
$133
Allstate
$134
Travelers
$160
Mercury
$180
Root
$219
Infinity
$250
Progressive
$250
National General
$256
Direct Auto
$288
Foremost
$290
GAINSCO
$299
Bristol West
$314
Dairyland
$376
The General
$385
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Lakeland, Florida
Drivers using Insurify have found quotes as cheap as $51/mo for liability only and $70/mo for full coverage in Lakeland and other Florida cities.
*Quotes generated for Insurify users in and around Lakeland, Florida within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Lakeland, Florida within the last 10 days. Last updated on January 27, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from January 27, 2025. 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 $73 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
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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 $177 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, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$63
$75
GEICO
$65
$79
Mile Auto
$104
$126
Allstate
$109
$132
Root
$131
$172
Travelers
$131
$160
Direct Auto
$147
$178
Mercury
$147
$191
Progressive
$166
$200
Infinity
$179
$224
Foremost
$191
$249
GAINSCO
$209
$272
Dairyland
$213
$257
Bristol West
$222
$271
National General
$250
$303
The General
$275
$342
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $191 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, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Accident
▲▼
State Farm
$63
$81
GEICO
$65
$84
Mile Auto
$104
$137
Allstate
$109
$141
Root
$131
$183
Travelers
$131
$171
Direct Auto
$147
$195
Mercury
$147
$205
Progressive
$166
$218
Infinity
$179
$227
Foremost
$191
$264
GAINSCO
$209
$258
Dairyland
$213
$273
Bristol West
$222
$288
National General
$250
$322
The General
$275
$365
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $220 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, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$63
$100
GEICO
$65
$103
Mile Auto
$104
$164
Allstate
$109
$172
Root
$131
$187
Travelers
$131
$207
Direct Auto
$147
$232
Mercury
$147
$217
Progressive
$166
$262
Infinity
$179
$283
Foremost
$191
$302
GAINSCO
$209
$330
Dairyland
$213
$337
Bristol West
$222
$351
National General
$250
$395
The General
$275
$435
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $117 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, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$59
$48
GEICO
$62
$51
Mile Auto
$99
$78
Allstate
$106
$86
Travelers
$123
$101
Mercury
$142
$116
Progressive
$178
$118
Root
$183
$110
Infinity
$191
$137
National General
$193
$188
Direct Auto
$221
$113
Foremost
$229
$151
GAINSCO
$247
$173
Bristol West
$249
$176
Dairyland
$297
$168
The General
$306
$219
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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: GEICO
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 $243 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, January 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
GEICO
$127
$104
State Farm
$133
$109
Allstate
$240
$195
Mile Auto
$257
$201
Travelers
$290
$237
Mercury
$315
$257
Root
$325
$194
Progressive
$436
$289
Infinity
$445
$318
National General
$503
$491
GAINSCO
$512
$358
Foremost
$515
$339
Bristol West
$526
$372
Direct Auto
$526
$269
Dairyland
$599
$339
The General
$609
$435
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Car Insurance in Lakeland
Insurify partners with top insurance companies to provide real-time quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Lakeland?
In the United States, the average cost of full-coverage car insurance is $199 per month. Meanwhile, Lakeland residents face a substantially higher average monthly premium of $219 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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Lakeland car insurance FAQs
Understand how much car insurance you may need before shopping for free quotes, and check out Insurify’s answers to frequently asked questions about Lakeland auto coverage.
How much is car insurance in Lakeland?
The average cost of car insurance in Lakeland is $145 per month for liability insurance and $219 per month for full coverage.
Which company has the cheapest car insurance in Lakeland?
State Farm has the cheapest car insurance in Lakeland, with monthly liability rates as low as $63. GEICO and Mile Auto also offer affordable coverage, with respective monthly liability rates of $65 and $104.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Lakeland?
Some of the best car insurance companies in Lakeland include Allstate, GEICO, and State Farm. These insurers have low average premiums, high J.D. Power customer satisfaction ratings, and solid Insurify Quality (IQ) Scores.
But the best car insurance company for you depends on your specific needs and budget. Always compare quotes from different companies to find the best price for the coverage you need.
What is the least amount of car insurance you need in Florida?
Florida’s minimum insurance requirements are $10,000 per accident for both property damage liability coverage and personal injury protection.[3]
Is Florida car insurance expensive?
Compared to other states, Florida is among the most expensive for car insurance. Plus, the state experienced some of the fastest-rising average ratesin the country in 2023, primarily due to severe weather events causing heavy losses for insurance companies.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
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