Compare Lake Wales, FL Car Insurance Rates (2021)

Car insurance in Lake Wales, FL averages $364 a month. Lake Wales, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Lake Wales car insurance rates, compare quotes from the top car insurance companies in Lake Wales, FL.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Lake Wales, FL are $4,372/year
  • Average car insurance rates in Lake Wales, FL after a DUI are $5,246/year
  • The cheapest car insurance company in Lake Wales for teen drivers is GEICO

If you need to buy Lake Wales, Florida car insurance, the options can be confusing. Everything you need to know about car insurance in Lake Wales, FL is right here.

You’ll find Lake Wales car insurance rates, the cheapest Lake Wales, FL car insurance companies, and information on Florida car insurance laws. You can also compare Lake Wales, Florida car insurance rates to Cape Coral car insurance rates, Tampa car insurance rates, and Miami car insurance rates.

Ready to find affordable Lake Wales, FL car insurance today? Enter your ZIP code for fast, free Lake Wales car insurance quotes.

Cheapest Lake Wales, FL Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lake Wales, FL car insurance rates? Every Lake Wales, Florida car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lake Wales, Florida

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,265 $4,070 $3,711 $3,769 $14,859 $16,069 $4,245 $4,305
GEICO $2,728 $2,738 $2,556 $2,556 $4,877 $6,109 $3,003 $3,042
Liberty Mutual $3,404 $3,404 $3,119 $3,119 $7,172 $11,039 $3,404 $4,607
Nationwide $2,856 $2,816 $2,548 $2,635 $6,918 $8,512 $3,145 $3,269
Progressive $3,610 $3,406 $3,102 $3,321 $10,224 $11,169 $4,358 $4,169
State Farm $1,917 $1,917 $1,739 $1,739 $5,290 $6,799 $2,125 $2,264
USAA $1,645 $1,617 $1,539 $1,524 $5,660 $6,561 $2,055 $2,217

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Minimum Car Insurance in Lake Wales, FL

Every driver must carry the minimum car insurance in Lake Wales, FL. Take a look at the Florida car insurance requirements.

Minimum Required Car Insurance Coverage in Lake Wales, Florida

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $10,000 per person
$20,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Lake Wales, FL Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lake Wales, FL. Compare credit history car insurance rates in Lake Wales from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lake Wales, Florida

Insurance Company Poor Fair Good
Allstate $9,649 $6,119 $4,967
GEICO $5,030 $3,041 $2,282
Liberty Mutual $6,319 $4,641 $3,765
Nationwide $5,119 $3,752 $3,391
Progressive $7,054 $5,019 $4,187
State Farm $4,057 $2,670 $2,195
USAA $4,648 $2,267 $1,642

Cheapest Lake Wales, FL Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lake Wales, FL to rates for a clean record with top companies.

Annual Lake Wales, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,945 $7,142 $7,947 $6,613
GEICO $2,402 $3,072 $4,576 $3,755
Liberty Mutual $3,552 $4,599 $6,649 $4,834
Nationwide $3,484 $3,826 $5,166 $3,874
Progressive $4,275 $6,333 $5,328 $5,743
State Farm $2,721 $3,226 $2,974 $2,974
USAA $2,231 $2,757 $4,080 $2,340

Cheapest Lake Wales, FL Car Insurance for Teen Drivers

Teen car insurance in Lake Wales, FL can be expensive. Take a look at rates from the top car insurance companies in Lake Wales for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lake Wales, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,859 $16,069
GEICO $4,877 $6,109
Liberty Mutual $7,172 $11,039
Nationwide $6,918 $8,512
Progressive $10,224 $11,169
State Farm $5,290 $6,799
USAA $5,660 $6,561

Cheapest Lake Wales, FL Car Insurance for Seniors

Take a look at Lake Wales, FL senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lake Wales, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,711 $3,769
GEICO $2,556 $2,556
Liberty Mutual $3,119 $3,119
Nationwide $2,548 $2,635
Progressive $3,102 $3,321
State Farm $1,739 $1,739
USAA $1,539 $1,524

Cheapest Lake Wales, FL Car Insurance Rates After a DUI

A DUI in Lake Wales, FL increases car insurance rates. Compare Lake Wales, Florida DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lake Wales, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,947
GEICO $4,576
Liberty Mutual $6,649
Nationwide $5,166
Progressive $5,328
State Farm $2,974
USAA $4,080

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Cheapest Lake Wales, FL Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lake Wales, FL by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lake Wales, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,717 $7,106
GEICO $3,435 $3,468
Liberty Mutual $4,750 $5,067
Nationwide $4,088 $4,088
Progressive $5,420 $5,420
State Farm $2,871 $3,077
USAA $2,820 $2,885

The Best Cheap Car Insurance Companies in Lake Wales, FL

Take a look at a side-by-side comparison of the top car insurance companies in Lake Wales, FL to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lake Wales, Florida

Insurance Company Average Annual Rates
Allstate $6,912
GEICO $3,451
Liberty Mutual $4,908
Nationwide $4,088
Progressive $5,420
State Farm $2,974
USAA $2,852

Category Winners: Cheapest Car Insurance in Lake Wales, Florida

Find the cheapest car insurance companies in Lake Wales, FL for each category right here.

Best Annual Car Insurance Rates by Company in Lake Wales, Florida

Category Insurance Company
Teenagers GEICO
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Lake Wales, FL Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lake Wales car insurance rates. Find the cheapest Lake Wales, FL car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lake Wales, Florida

Insurance Company Low Medium High
Allstate $5,399 $7,255 $8,081
GEICO $2,844 $3,568 $3,941
Liberty Mutual $4,517 $4,982 $5,226
Nationwide $3,250 $4,245 $4,768
Progressive $4,515 $5,548 $6,196
State Farm $2,535 $3,045 $3,341
USAA $2,452 $2,956 $3,148

What affects car insurance rates in Lake Wales, Florida?

What factors can have an impact on Lake Wales, FL car insurance? There are several reasons why Lake Wales car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lake Wales, Florida.

Car Theft in Lake Wales

High levels of vehicle theft can make car insurance more expensive. Lake Wales, FL car theft statistics from the FBI indicate 24 vehicle thefts a year.

Commute Time in Lake Wales

The more time you spend in your car the higher the risk of an accident. The average commute length in Lake Wales, FL is 24.5 minutes according to City-Data.

Compare Car Insurance Quotes in Lake Wales, FL

Ready to find affordable Lake Wales, Florida car insurance today? Enter your ZIP code for fast, free Lake Wales, FL car insurance quotes.

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Average Monthly Car Insurance Rates by State