Cheapest Auto Insurance in Lakeland, Florida (2024)

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 $149 per month for liability-only coverage and $229 per month for full coverage.

These rates are much higher than the national averages of $104 for liability coverage and $204 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.

Best insurer for full coverage: State Farm

Full Coverage

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User Reviews	4.2 4,989 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.	$62/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.	$78/mo

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Driver Reviews

4.2

Best choiceBased on 9074 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 (4,989)

Mary

November 26, 2024

Verified Review

Life

It's just fine. However, like everything else, costs just keep going up. I'm looking for a way to save more as living paycheck to paycheck is not fun.

Robert

November 26, 2024

Verified Review

Claimed

State Farm helped me quickly when UPS totaled my motorcycle and paid it FAST.

Donald

November 26, 2024

Verified Review

No Bargains Here, Just Premium Increases

Way too expensive.

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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.

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

• 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

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User Reviews	4.0 5,664 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.	9.0 /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.	$64/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.	$80/mo

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Driver Reviews

4.0

Best choiceBased on 10302 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 (5,664)

Elijah

November 27, 2024

Verified Review

Disappointed

Although you may have a 6-month policy, your rates are subject to change monthly.

Vickie

November 27, 2024

Verified Review

Experience with Geico

I have been with Geico for quite a while and I believe if insurance can be cheaper, they should adjust their prices accordingly. Otherwise, I might consider switching to another company.

Douglas

November 26, 2024

Verified Review

Watch Out

Be careful. They increase the rates every six months.

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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.

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

• 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

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User Reviews	4.0 3,078 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.	$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.	$135/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 5662 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 (3,078)

Debora

November 25, 2024

Verified Review

Very Expensive for Automobiles

The representative was very nice, but the automotive insurance is too high.

John

November 25, 2024

Verified Review

Good

I've never had a problem.

Lisa D

November 25, 2024

Verified Review

Need Lower Insurance

It's very pricey. They indicate one quote while you're trying to shop around, and then the pricing goes up after signing on.

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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.

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 $62 per month

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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 $149 per month.

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

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 $229 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.

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]

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 $72 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 $182 in Lakeland.

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

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 $196 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.

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 $226 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.

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 $120 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.

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 $247 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.

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 $204 per month. Meanwhile, Lakeland residents face a substantially higher average monthly premium of $229 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.

Lakeland car insurance FAQs