Compare Lakeland, FL Car Insurance Rates (2021)

Car insurance in Lakeland, FL averages $363 a month. Lakeland, Florida car insurance requirements are 10/20/10, but you might need full coverage insurance if your car is financed. To find cheap Lakeland car insurance rates, compare quotes from the top car insurance companies in Lakeland, 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

  • The cheapest car insurance company in Lakeland is USAA
  • Average car insurance rates in Lakeland, FL after a DUI are $5,233/year
  • The cheapest ZIP code in Lakeland is 33809

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

You’ll find Lakeland car insurance rates, the cheapest Lakeland, FL car insurance companies, and information on Florida car insurance laws. You can also compare Lakeland, Florida car insurance rates to St. Petersburg car insurance rates, Orlando car insurance rates, and Jacksonville car insurance rates.

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

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

How do age, gender, and marital status affect Lakeland, FL car insurance rates? Every Lakeland, 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 Lakeland, 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 $4,080 $3,869 $3,525 $3,571 $14,073 $15,140 $4,065 $4,111
GEICO $3,062 $3,072 $2,872 $2,872 $5,521 $6,954 $3,373 $3,422
Liberty Mutual $3,404 $3,404 $3,119 $3,119 $7,172 $11,039 $3,404 $4,607
Nationwide $2,784 $2,747 $2,486 $2,572 $6,653 $8,184 $3,062 $3,183
Progressive $3,551 $3,346 $3,043 $3,261 $9,942 $10,840 $4,268 $4,089
State Farm $1,893 $1,893 $1,717 $1,717 $5,248 $6,758 $2,100 $2,240
USAA $1,671 $1,642 $1,564 $1,549 $5,746 $6,671 $2,084 $2,247

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Minimum Car Insurance in Lakeland, FL

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

Minimum Required Car Insurance Coverage in Lakeland, 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 Lakeland, FL Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Lakeland, Florida

Insurance Company Poor Fair Good
Allstate $9,121 $5,812 $4,730
GEICO $5,689 $3,427 $2,564
Liberty Mutual $6,319 $4,641 $3,765
Nationwide $4,957 $3,635 $3,285
Progressive $6,903 $4,898 $4,077
State Farm $4,021 $2,644 $2,172
USAA $4,700 $2,310 $1,681

Cheapest Lakeland, 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 Lakeland, FL to rates for a clean record with top companies.

Annual Lakeland, Florida Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,644 $6,770 $7,531 $6,273
GEICO $2,703 $3,463 $5,169 $4,238
Liberty Mutual $3,552 $4,599 $6,649 $4,834
Nationwide $3,383 $3,711 $4,987 $3,755
Progressive $4,179 $6,181 $5,200 $5,610
State Farm $2,695 $3,196 $2,946 $2,946
USAA $2,265 $2,799 $4,148 $2,375

Cheapest Lakeland, FL Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lakeland, Florida

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,073 $15,140
GEICO $5,521 $6,954
Liberty Mutual $7,172 $11,039
Nationwide $6,653 $8,184
Progressive $9,942 $10,840
State Farm $5,248 $6,758
USAA $5,746 $6,671

Cheapest Lakeland, FL Car Insurance for Seniors

Take a look at Lakeland, 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 Lakeland, Florida

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,525 $3,571
GEICO $2,872 $2,872
Liberty Mutual $3,119 $3,119
Nationwide $2,486 $2,572
Progressive $3,043 $3,261
State Farm $1,717 $1,717
USAA $1,564 $1,549

Cheapest Lakeland, FL Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lakeland, Florida

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,531
GEICO $5,169
Liberty Mutual $6,649
Nationwide $4,987
Progressive $5,200
State Farm $2,946
USAA $4,148

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Cheapest Lakeland, FL Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lakeland, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,369 $6,740
GEICO $3,874 $3,912
Liberty Mutual $4,750 $5,067
Nationwide $3,959 $3,959
Progressive $5,293 $5,293
State Farm $2,844 $3,048
USAA $2,864 $2,930

Cheapest Lakeland, FL Car Insurance Rates by ZIP Code

Lakeland car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lakeland, FL.

Annual Car Insurance Rates by ZIP Code in Lakeland, Florida

ZIP Code Average Annual Rates
33803 $3,356
33805 $3,344
33809 $3,342
33810 $3,344
33811 $3,356
33812 $3,396
33813 $3,356
33815 $3,343

The Best Cheap Car Insurance Companies in Lakeland, FL

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

Average Annual Car Insurance Rates by Company in Lakeland, Florida

Insurance Company Average Annual Rates
Allstate $6,554
GEICO $3,893
Liberty Mutual $4,908
Nationwide $3,959
Progressive $5,293
State Farm $2,946
USAA $2,897

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Category Winners: Cheapest Car Insurance in Lakeland, Florida

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

Best Annual Car Insurance Rates by Company in Lakeland, Florida

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

Cheapest Lakeland, FL Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lakeland, Florida

Insurance Company Low Medium High
Allstate $5,359 $6,826 $7,478
GEICO $3,114 $4,044 $4,522
Liberty Mutual $4,517 $4,982 $5,226
Nationwide $3,134 $4,114 $4,628
Progressive $4,502 $5,407 $5,969
State Farm $2,510 $3,018 $3,309
USAA $2,466 $3,009 $3,216

What affects car insurance rates in Lakeland, Florida?

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

Car Theft in Lakeland

High levels of vehicle theft can make car insurance more expensive. Lakeland, FL car theft statistics from the FBI indicate 203 vehicle thefts a year.

Commute Time in Lakeland

The more time you spend in your car the higher the risk of an accident. The average commute length in Lakeland, FL is 22.3 minutes according to City-Data.

Traffic in Lakeland

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lakeland, FL traffic data from INRIX ranks Lakeland as the 497th-most congested in the world.

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Compare Car Insurance Quotes in Lakeland, FL

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

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Average Monthly Car Insurance Rates by State