Cheapest Auto Insurance in Lakeland, Florida (2026)
Progressive offers the cheapest car insurance in Lakeland, with minimum-coverage policies as low as $93 per month.
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Jacqueline DeMarcoFreelance Insurance Writer
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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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 $129 per month for liability-only coverage and $214 per month for full coverage.
These rates are much higher than the national averages of $98 for liability coverage and $186 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
Progressive, State Farm, and Mile Auto have the cheapest car insurance in Lakeland.
Lakeland drivers pay a yearly average of $2,563 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 | $129 | $80 | Full coverage |
| GEICO | 9.2 | $182 | $91 | Digital policy management |
| Allstate | 8.9 | $224 | $139 | Usage-based insurance |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland 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.
Best insurer for full coverage: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | $101/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. | $142/mo |
4.0
Best choiceBased on 17,457 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Lakeland driversSee all 7,451 State Farm reviews
Verified Review
Reviewed in Florida on April 25, 2026
In general, I am very happy with State Farm, but not too happy about the prices for my policy.
Verified Review
Reviewed in Florida on April 23, 2026
Luckily, I don't need to use it much, but it is expensive and no discounts are offered for long-term insurers or no accident discounts. I WOULD SHOP.
Verified Review
Reviewed in Florida on April 23, 2026
I recently sold a car and am changing my coverage. It seems like I'm getting less coverage at the same higher cost for two old cars. I'm looking for savings as I hardly drive 100 miles in a week.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
650NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
| User Reviews | 3.9 |
|---|---|
| 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. | $115/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. | $199/mo |
3.9
A solid optionBased on 17,669 verified driver reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.8 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Lakeland driversSee all 7,658 GEICO reviews
Verified Review
Reviewed in Florida on April 25, 2026
I just got GEICO and they increased my rates. I have an excellent credit score, never missed any payments, and have no accidents or tickets. I have no problems with my driving, so of course, I am not happy with them.
Verified Review
Reviewed in Florida on April 21, 2026
Geico has been awesome. We have had them for probably 10 years. Never had an issue with any claim or customer service. The only problem is cost compared to other carriers right now.
Verified Purchase
Reviewed in Florida on April 18, 2026
My experience is excellent. I just wish I had joined Geico way earlier, but it's been really, really great.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
629NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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
| User Reviews | 3.8 |
|---|---|
| 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. | $176/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. | $246/mo |
3.8
A solid optionBased on 10,404 verified driver reviews and ratings
Allstate's score | Industry average | |
|---|---|---|
| Coverage options | 3.8 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.8 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.3 | 2.9 |
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.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 75 Florida reviews for Lakeland driversSee all 4,410 Allstate reviews
Verified Review
Reviewed in Florida on April 26, 2026
Allstate has really good coverage for an affordable price.
Verified Review
Reviewed in Florida on April 25, 2026
Far too expensive for me right now.
Verified Review
Reviewed in Florida on April 24, 2026
Dennis Moran's Allstate team has been very good to work with. They are very professional and caring.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
643NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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 $93 per month
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Cheapest liability-only car insurance in Lakeland: Progressive
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 $129 per month.
Here are the cheapest car insurers in Lakeland for liability-only insurance.
The below rates in Lakeland, FL, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $93 |
| Mile Auto | $101 |
| State Farm | $101 |
| Clearcover | $104 |
| GEICO | $115 |
| Dairyland | $119 |
| Embark | $129 |
| Infinity | $131 |
| Mercury | $144 |
| Direct Auto | $145 |
| GAINSCO | $148 |
| The General | $156 |
| Bristol West | $168 |
| Root | $175 |
| Allstate | $176 |
| AssuranceAmerica | $180 |
| National General | $180 |
| Travelers | $209 |
| Mendota | $272 |
| First Acceptance | $285 |
| Liberty Mutual | $285 |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland 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 $214 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 in Lakeland, FL, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $142 |
| Progressive | $158 |
| Mile Auto | $163 |
| Mercury | $194 |
| GEICO | $199 |
| National General | $208 |
| Clearcover | $216 |
| Direct Auto | $219 |
| Bristol West | $235 |
| Allstate | $246 |
| Infinity | $247 |
| The General | $258 |
| Embark | $280 |
| Root | $282 |
| AssuranceAmerica | $283 |
| Travelers | $292 |
| GAINSCO | $302 |
| Liberty Mutual | $322 |
| Dairyland | $335 |
| First Acceptance | $365 |
| Mendota | $372 |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Lakeland, Florida drivers
Recent Lakeland, Florida car insurance prices for Chevrolet, Toyota, Porsche, and more.
*Quotes generated for Insurify users in and around Lakeland, Florida within the last 10 days. Last updated on April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 23, 2026. 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 April 23, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 23, 2026. 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 $105 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Progressive
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 $151 in Lakeland.
The table below shows the cheapest car insurance for Lakeland drivers with a speeding ticket on their driving records.
The below rates in Lakeland, FL, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Progressive | $93 | $109 |
| Mile Auto | $101 | $119 |
| State Farm | $101 | $124 |
| Clearcover | $104 | $128 |
| Dairyland | $119 | $143 |
| GEICO | $115 | $146 |
| Embark | $129 | $151 |
| Infinity | $131 | $161 |
| GAINSCO | $148 | $171 |
| Direct Auto | $145 | $176 |
| Mercury | $144 | $194 |
| The General | $156 | $202 |
| Bristol West | $168 | $205 |
| National General | $180 | $217 |
| AssuranceAmerica | $180 | $222 |
| Allstate | $176 | $222 |
| Root | $175 | $226 |
| Travelers | $209 | $263 |
| Mendota | $272 | $318 |
| First Acceptance | $285 | $333 |
| Liberty Mutual | $285 | $351 |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Progressive
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 $164 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 in Lakeland, FL, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Progressive | $93 | $119 |
| State Farm | $101 | $132 |
| Mile Auto | $101 | $134 |
| Clearcover | $104 | $147 |
| GEICO | $115 | $148 |
| Dairyland | $119 | $155 |
| Embark | $129 | $164 |
| Infinity | $131 | $172 |
| GAINSCO | $148 | $186 |
| Direct Auto | $145 | $194 |
| The General | $156 | $211 |
| Mercury | $144 | $212 |
| Bristol West | $168 | $218 |
| Root | $175 | $231 |
| Allstate | $176 | $232 |
| AssuranceAmerica | $180 | $235 |
| National General | $180 | $236 |
| Travelers | $209 | $277 |
| Mendota | $272 | $347 |
| First Acceptance | $285 | $363 |
| Liberty Mutual | $285 | $372 |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Progressive
A DUI conviction can lead to a significant surge in your car insurance rates. The average rate for liability coverage in Lakeland is $168 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 in Lakeland, FL, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Progressive | $93 | $121 |
| Mile Auto | $101 | $138 |
| State Farm | $101 | $138 |
| Clearcover | $104 | $143 |
| GEICO | $115 | $156 |
| Dairyland | $119 | $163 |
| Embark | $129 | $168 |
| Infinity | $131 | $180 |
| Direct Auto | $145 | $199 |
| GAINSCO | $148 | $203 |
| The General | $156 | $206 |
| Mercury | $144 | $209 |
| Bristol West | $168 | $230 |
| Allstate | $176 | $241 |
| Root | $175 | $242 |
| AssuranceAmerica | $180 | $247 |
| National General | $180 | $247 |
| Travelers | $209 | $286 |
| Mendota | $272 | $355 |
| First Acceptance | $285 | $372 |
| Liberty Mutual | $285 | $391 |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Progressive
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 $116 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 in Lakeland, FL, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $114 | $81 |
| Mile Auto | $132 | $82 |
| Progressive | $142 | $84 |
| Mercury | $158 | $117 |
| GEICO | $162 | $94 |
| National General | $168 | $145 |
| Direct Auto | $184 | $122 |
| Infinity | $184 | $97 |
| Clearcover | $196 | $94 |
| Bristol West | $200 | $143 |
| Allstate | $204 | $146 |
| The General | $225 | $136 |
| AssuranceAmerica | $227 | $145 |
| Travelers | $239 | $171 |
| Root | $241 | $150 |
| Embark | $252 | $116 |
| GAINSCO | $264 | $129 |
| Liberty Mutual | $274 | $243 |
| Dairyland | $291 | $103 |
| First Acceptance | $329 | $257 |
| Mendota | $335 | $245 |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Progressive
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 $220 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 in Lakeland, FL, are estimated rates current as of: Tuesday, April 21 at 5:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $268 | $191 |
| Progressive | $270 | $159 |
| Mile Auto | $327 | $203 |
| Clearcover | $343 | $165 |
| Mercury | $345 | $256 |
| GEICO | $349 | $202 |
| Bristol West | $404 | $289 |
| National General | $405 | $351 |
| Infinity | $413 | $219 |
| Direct Auto | $414 | $274 |
| The General | $449 | $272 |
| Allstate | $474 | $339 |
| Root | $475 | $295 |
| Embark | $478 | $220 |
| GAINSCO | $525 | $257 |
| Liberty Mutual | $547 | $484 |
| Dairyland | $565 | $201 |
| AssuranceAmerica | $570 | $362 |
| Travelers | $593 | $425 |
| First Acceptance | $623 | $486 |
| Mendota | $635 | $464 |
Disclaimer: Table data sourced from real-time Lakeland car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Lakeland may vary based on the policy buyer's unique driver profile.
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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
Category | Price |
|---|---|
| Excellent | $342 |
| Good | $404 |
| Fair | $444 |
| Poor | $689 |
Is car insurance more expensive in Lakeland?
In the United States, the average cost of full-coverage car insurance is $186 per month. Meanwhile, Lakeland residents face a substantially higher average monthly premium of $214 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 | $203 | $127 |
| Clearwater | $209 | $135 |
| Fort Lauderdale | $246 | $172 |
| Jacksonville | $220 | $141 |
| Miami | $272 | $184 |
| Ocala | $200 | $128 |
| Orlando | $239 | $161 |
| Pensacola | $201 | $118 |
| Tallahassee | $201 | $120 |
| Tampa | $272 | $187 |
| Winter Haven | $225 | $126 |
Disclaimer: Table data is based on real-time Lakeland quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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 $129 per month for liability insurance and $214 per month for full coverage.
Which company has the cheapest car insurance in Lakeland?
Progressive has the cheapest car insurance in Lakeland, with monthly liability rates as low as $93. State Farm and Mile Auto also offer affordable coverage, with respective monthly liability rates of $101 and $101.
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 rates in the country in 2023, primarily due to severe weather events causing heavy losses for insurance companies.
Sources
- Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
- III. "What determines the price of an auto insurance policy?."
- Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
- III. "Do auto insurance premiums go up after a claim?."
- U.S. Census Bureau. "QuickFacts: Lakeland city, Florida."
- III. "Senior driving safety and insurance tips."
- The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Jacqueline DeMarcoFreelance Insurance Writer
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