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Cheap Auto Insurance Quotes in Lakeland, FL (May 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

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Quick Facts

  • The average cost of car insurance in Lakeland is $248 per month, or $2976 annually.
  • Car insurance in Lakeland is $1 more than the average cost of car insurance in Florida.
  • The cheapest car insurance provider in Lakeland on average is AssuranceAmericaEconomy, but you should always compare quotes to find your best personal rate.

Car Insurance in Lakeland, FL

Residents of Lakeland and other Florida cities need to have car insurance to stay protected while driving. The average cost of Florida car insurance  is $331 per month, and while that is higher than the national average, affordable car insurance in Florida is possible if you know where to look. Compare free quotes with Insurify and find the cheapest car insurance today.

Quotes by Top Companies

AssuranceAmerica
$133
National General
$180
Direct Auto
$191
Safeco
$216
Travelers
$216

Cheapest Car Insurance in Lakeland, FL

Because every insurance company weighs information such as your age and driving record differently, some car insurance providers are able to offer cheaper insurance than others. Below are the cheapest car insurance companies in Lakeland on average, but you should always shop around and compare car insurance quotes to make sure you find the best rate possible.
Insurance Provider in LakelandQuotes
AssuranceAmerica$133 /mo
National General$180 /mo
Direct Auto$191 /mo
Safeco$216 /mo
Travelers$216 /mo

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Best Car Insurance in Lakeland, FL

While finding cheap insurance is great, finding a quality insurance company is equally important. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score. Below are the best Florida auto insurance companies by our ranking system.
Best CompaniesScoreQuotes
Safeco86$216 /mo
Liberty Mutual82$273 /mo
Travelers80$216 /mo

Average Car Insurance Cost

Florida Cities
Jacksonville$210/mo
Miami$455/mo
Tampa$482/mo
Orlando$234/mo
Lakeland$224/mo
Florida$321/mo
Jacksonville
$210
Lakeland
$224
Orlando
$234
Average for FL
$321
Miami
$455
Tampa
$482
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in FL

All motor vehicles operated or parked on Florida roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The Minimum Liability Insurance Requirements for Private Passenger Vehicles are as follows:

  • $10,000 no-fault or personal injury protection (PIP) insurance

Personal injury protection coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Florida state is $10,000. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Florida law. Note that while PIP is required in Florida, bodily injury liability is not required by Florida law unless the person has been involved in an at-fault accident or committed certain violations, such as a DUI.

  • $10,000 property damage liability (PDL) insurance

The state minimum amount of property damage liability coverag  required in the state of Florida is $10,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident, up to the declared coverage limit.

Lakeland Car Insurance Rates by Driver Age

Young drivers, who are historically more likely to get into car accidents, will pay the most for auto insurance coverage while drivers in their 50s and 60s see the lowest monthly costs in Florida. The following is what you can expect to pay for car insurance in Florida based on your age. Keep in mind that this is statewide data and rates may vary in Lakeland.
Driver's AgeAvg. Monthly Cost
Teens$507
20s$317
30s$257
40s$233
50s$205
60s$198
70s$214
80+$238

Lakeland Car Insurance Rates by Driving and Accident History

Your insurance premiums are largely affected by your driving history. A driver with a DUI, an accident, or even a lesser traffic infraction such as a speeding ticket on their record will usually pay more than a driver with a clean record. Here’s what drivers with these infractions pay on average for car insurance when compared to drivers with a clean driving record in Lakeland.
Driving HistoryAvg. Monthly Cost
Clean Record$237
Speeding Ticket$269
At-Fault Accident$328
DUI$469

Lakeland Car Insurance Rates by Credit Tier

Your credit history can also impact your car insurance costs. Lakeland drivers with excellent and good credit scores have the cheapest average monthly car insurance costs, while those with poor credit scores can expect to pay more. Here’s what you can expect to pay per month, on average, in Lakeland, Florida.
Credit TierAvg. Monthly Cost
Excellent$214
Good$228
Average$266
Bad$331

Find local Lakeland agents

    Lakeland DMV Information

    Just under 108,000 people call Lakeland, Florida home, and they’re all served by one single DMV office. The Lakeland Motor Vehicle and Driver’s License Services office is open from 8:30 a.m. to 5:00 p.m. Monday through Friday, and is located at: 

    916 N Massachusetts Ave
    Lakeland, FL 33801

    Public Transportation in Lakeland 

    For residents of Lakeland who don’t want to drive, there are a few public transit options in the area. Public transit in Polk County is provided by the Lakeland Area Mass Transit District, operating within Citrus Connection. Service is provided six days a week, and provides routes all around Polk County. 

    For people who want a bit more privacy on their commute than a bus can offer, Uber, Lyft, and Taxi services are all available in Lakeland. 

    How to Get the Cheapest Car Insurance in Lakeland

    The easiest way to find the best and cheapest car insurance in Lakeland, Florida is to compare quotes using Insurify. Instead of calling multiple insurance agencies and spending hours on hold with an insurance agent, you can see multiple quotes side-by-side. We’ll even factor in discounts you might qualify for, like a homeowners insurance discount.

    You’ll just need to answer a few questions about your vehicle and driving history to get started. From there, we’ll show you multiple quotes so you can find the best auto insurance policy for you. You can also use Insurify to shop for other insurance products like home insurance and life insurance. It’s completely free to use and takes less than five minutes!

    FAQs - Lakeland, FL Car Insurance

    • The best way to find cheap car insurance in Lakeland, Florida is to compare quotes with Insurify. We’ll provide you with quotes from national providers like Allstate and State Farm as well as quotes from local agencies so you can rest easy knowing you’ve found the cheapest car insurance policy available.

    • The average cost of Lakeland auto insurance is $246 per month, but no two drivers are the same and rates will vary depending on your driving record, your age, your credit score, and more. To find the cheapest car insurance for you, it’s always a good idea to shop around and compare quotes. The best insurance company might be one you’ve never even heard of!
    • Car insurance costs in Lakeland, Florida are significantly higher than the national average and factors in your driving record such as a DUI or speeding ticket can drive up your premiums further. Your costs will also vary based on the type of car insurance policy you buy. For example, a full-coverage policy will be more expensive than a liability only policy.

    Compare Car Insurance Quotes Instantly

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    Methodology

    The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

    Insurify Insights

    How Lakeland Drivers Measure Up

    While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Lakeland, Florida below:

    Methodology

    Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Lakeland drivers measure up to their fellow motorists across Florida in areas including speeding, DUIs, and more.
    Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

    toyota

    Toyota Corolla

    Most Popular Car in Lakeland

    #53

    City with the Most Speeding Tickets Rank in Florida

    #64

    City with the Most Moving Violations Rank in Florida

    #74

    City with the Most DUIs Rank in Florida

    #60

    City with the Most Suspended Licenses in Florida

    • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lakeland drivers rank 37 in the number of car accidents per driver across all cities in Florida.

      • Rank within state: #37
      • Percent of drivers in Lakeland with an accident: 10.66%
      • Drivers in Lakeland, FL with an accident in their driving history pay on average 39.06% more than drivers with a clean record
    • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Florida, Lakeland drivers rank 53 in the number of speeding infractions per driver.

      • Rank within state: #53
      • Percent of drivers in Lakeland with a speeding ticket: 8.08%
      • Drivers in Lakeland, FL with a speeding ticket in their driving history pay on average 14.16% more than drivers with a clean record
    • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lakeland drivers rank 74 in the number of DUI’s per driver across all cities in Florida.

      • Rank within state: #74
      • Percent of drivers in Lakeland with a DUI: 0.82%
      • Drivers in Lakeland, FL with a DUI in their driving history pay on average 0% more than drivers with a clean record
    • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Florida, Lakeland drivers rank 7 in rude driving infractions.

      • Rank within state: #7
      • Percent of drivers in Lakeland with a reckless driving violation: 3.56%
      • Drivers in Lakeland, FL with a reckless driving violation in their driving history pay on average 15.88% more than drivers with a clean record.
    • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Lakeland drivers rank 72 in clean driving records across all cities in Florida.

      • Rank within state: #72
      • Percent of drivers in Lakeland with clean record: 81.14%
    • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Lakeland drivers rank 34 in failure to yield violations per driver across all cities in Florida.

      • Rank within state: #34
      • Percent of drivers in Lakeland with a failure to yield violation: 0.5%
      • Drivers in Lakeland, FL with a failure to yield violation in their driving history pay on average 1500% more than drivers with a clean record
    • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Florida, Lakeland drivers rank 34 in the number of reckless driving offenses per driver.

      • Rank within state: #34
      • Percent of drivers in Lakeland with a reckless driving offense: 0.16%
    • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lakeland is the Toyota Corolla.

    Insurify Insights

    Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

    Tanveen Vohra
    Tanveen Vohra

    Content Manager at Insurify

    Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others

    Learn More