Cheapest Auto Insurance in Lakeland, Florida (2024)

State Farm offers the cheapest car insurance in Lakeland, with minimum-coverage policies as low as $66 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

Featured in

media logomedia logo
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Updated May 29, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates near Lakeland, Florida

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $97/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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 $193 per month for liability-only coverage and $275 per month for full coverage.

These rates are much higher than the national averages of $104 for liability coverage and $215 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 Hugo have the cheapest car insurance in Lakeland.

  • Lakeland drivers pay a yearly average of $3,299 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$83$71Full coverage
GEICO4.4$85$73Digital policy management
Allstate4.4$143$124Usage-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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$66/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.
$76/mo

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

Read our State Farm review
Poncho - May 29, 2024
Verified

Poor

They need to reduce their policy prices.

Nevin - May 29, 2024
Verified

Need Better Agents

The relationship with the agent was poor.

Mindy - May 29, 2024
Verified

Brianna is very kind and helpful, she kept me from making a big mistake

Excellent service.

Best insurer for digital policy management: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$67/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

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

Read our GEICO review
Diana - May 29, 2024
Verified

Too Expensive!

Way too expensive.

Andrew - May 29, 2024
Verified

Too Expensive

Too expensive. $115 a month for basic liability.

Kennethkenneth - May 29, 2024
Verified

I Want Out

They are too expensive.

Best insurer for usage-based insurance: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$114/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.
$133/mo

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

Read our Allstate review
Sandra - May 29, 2024
Verified

Discussed with Auto Insurance Supplier

It's extremely expensive, even though I have no points against my driver's license. I've never had an accident that was my fault, and I even have renters insurance included. Plus, I have great credit!

David - May 29, 2024
Verified

Upset!

I have sent numerous emails about my rates being raised and no one has gotten back to me! I am currently looking for another company.

Robert F - May 29, 2024
Verified

Upset and shocked

I'm not happy with Allstate since they raised my premium to $282 from $166 through no fault of my own. It was a woman from Delaware who rear-ended me very hard and she had no insurance at the time. I am disgusted with them.

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 $66 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $193 per month.

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

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm66
GEICO67
Hugo71
Allstate114
Safeco121
Mile Auto122
Mercury135
Travelers136
Liberty Mutual140
Direct Auto146
Midvale Home & Auto160
Progressive168
Infinity182
Foremost193
Dairyland201
GAINSCO205
AssuranceAmerica223
Bristol West251
National General282
The General294
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 $275 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm76
GEICO78
Hugo127
Allstate133
Safeco152
Travelers158
Mercury162
Mile Auto168
GAINSCO214
Liberty Mutual233
Progressive239
Midvale Home & Auto242
Infinity243
Direct Auto254
Foremost290
National General290
AssuranceAmerica332
Dairyland355
Bristol West366
The General425
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.

How Much Other Insurify Customers Pay in and around Lakeland, Florida

Drivers in and around Lakeland, Florida have found policies from The General, State Farm, AssuranceAmericaEconomy, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Lakeland, Florida within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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 May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ 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 May 28, 2024. 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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 $76 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $230 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm6677
GEICO6779
Hugo7189
Allstate114134
Safeco121145
Mile Auto122155
Mercury135171
Travelers136161
Liberty Mutual140183
Direct Auto146174
Midvale Home & Auto160195
Progressive168198
Infinity182224
Foremost193253
Dairyland201238
GAINSCO205269
AssuranceAmerica223269
Bristol West251293
National General282370
The General294350
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 $249 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm6683
GEICO6785
Hugo7187
Allstate114144
Safeco121148
Mile Auto122170
Mercury135182
Travelers136173
Liberty Mutual140194
Direct Auto146189
Midvale Home & Auto160214
Progressive168216
Infinity182226
Foremost193267
Dairyland201254
GAINSCO205250
AssuranceAmerica223283
Bristol West251311
National General282354
The General294379
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 $288 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm66105
GEICO67106
Hugo71112
Allstate114181
Safeco121192
Mile Auto122174
Mercury135192
Travelers136215
Liberty Mutual140222
Direct Auto146231
Midvale Home & Auto160254
Progressive168266
Infinity182288
Foremost193306
Dairyland201318
GAINSCO205325
AssuranceAmerica223353
Bristol West251398
National General282447
The General294466
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: Hugo

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 $161 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm5951
GEICO6253
Hugo9151
Allstate10792
Mercury123102
Safeco12398
Travelers124107
Mile Auto12893
Progressive172121
GAINSCO175168
Infinity184138
Liberty Mutual184111
Midvale Home & Auto184122
Direct Auto196113
Foremost227151
National General233227
AssuranceAmerica253170
Dairyland285161
Bristol West294202
The General349242
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 $297 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO11297
State Farm119103
Hugo205115
Allstate215184
Travelers263227
Mercury273228
Safeco298237
Mile Auto303220
GAINSCO355340
Midvale Home & Auto389257
Progressive401282
Liberty Mutual403242
Infinity413309
Direct Auto430247
Foremost475316
National General502489
Dairyland549311
AssuranceAmerica572384
Bristol West575395
The General633438
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
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $215 per month. Meanwhile, Lakeland residents face a substantially higher average monthly premium of $275 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.

CityFull CoverageLiability Only
Cape Coral$265$200
Clearwater$279$239
Fort Lauderdale$348$264
Jacksonville$287$205
Miami$387$283
Ocala$257$179
Orlando$306$222
Pensacola$272$173
Tallahassee$263$166
Tampa$380$316
Winter Haven$301$221
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 $193 per month for liability insurance and $275 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 $66. GEICO and Hugo also offer affordable coverage, with respective monthly liability rates of $67 and $71.

    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.

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.

Sources

  1. Florida Department of Highway Safety and Motor Vehicles. "DUI Frequently Asked Questions."
  2. III. "What determines the price of an auto insurance policy?."
  3. Florida Department of Highway Safety and Motor Vehicles. "Florida Insurance Requirements."
  4. III. "Do auto insurance premiums go up after a claim?."
  5. U.S. Census Bureau. "QuickFacts: Lakeland city, Florida."
  6. III. "Senior driving safety and insurance tips."
  7. The Florida Senate. "626.9741 Use of credit reports and credit scores by insurers.."
Jacqueline DeMarco
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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all