Cheapest Car Insurance Quotes in Lakeland

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Lakeland Car Insurance

^$ 66

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Lakeland

The car insurance rate in Lakeland is $1574 for a six-month policy, which is $137 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $995, making it a popular choice for budget-conscious drivers. Rates in Lakeland can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Lakeland

$1574

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Lakeland

1st place: Travelers

At $995 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1039 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1087 for six months, making it the third cheapest auto insurance company in Lakeland.

Lakeland Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakeland, FL is Travelers, offering policies at just $995 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1039.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2197 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakeland drivers find the best deals.

Cheap Car Insurance Companies in Lakeland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$995	$167
State Farm	$1039	$175
Nationwide	$1087	$183
United Automobile Ins Group	$1257	$213
UAIC	$1388	$234
Progressive	$1639	$276
Mercury	$2372	$396
Allstate	$2388	$402
MetLife	$1383	$236
Farmers	$2197	$366

Key Takeaways

Way's key takeaways about car insurance in Lakeland

The auto insurance costs in Lakeland fall around $995 for six months.
The cheapest auto insurance company in Lakeland is Mercury.
Teen drivers pay the highest rate in Lakeland at $1271 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Lakeland

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Lakeland are given below.

Mercury provides the cheapest minimum car insurance coverage in Lakeland. Their Average 6 Month Premium is $394. Farmers is the most expensive at $606 for the same period.

Cheapest Liability Coverage in Lakeland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$394	$66
Nationwide	$437	$75
MetLife	$459	$76
AIG	$513	$87
United Automobile Ins Group	$661	$110
Travelers	$765	$129
State Farm	$1132	$190
Progressive	$1891	$318
Allstate	$2121	$357
UAIC	$2476	$421
Patrons Insurance	$115	$19
Farmers	$606	$101

Cheapest Full Coverage Car Insurance in Lakeland

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Lakeland is Travelers at $167 per month and $995 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakeland, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$995	$167
State Farm	$1039	$175
Nationwide	$1087	$183
United Automobile Ins Group	$1257	$213
UAIC	$1388	$234
Progressive	$1639	$276
Mercury	$2372	$396
Allstate	$2388	$402
MetLife	$1383	$236
Farmers	$2197	$366

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Average Car Insurance in Lakeland by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Lakeland, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Lakeland, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Lakeland's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lakeland

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Lakeland,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Lakeland at $83 per month. At $7470 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$498	$83
AIG	$673	$114
Travelers	$1798	$303
State Farm	$2219	$374
United Automobile Ins Group	$3099	$516
UAIC	$3175	$540
Allstate	$4721	$795
Mercury	$5825	$981
Progressive	$8563	$1442
Farmers	$7470	$1271

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Lakeland, Nationwide is the cheapest car insurance provider. At $595 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Lakeland is Farmers, offering rates of around $3039 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$595	$101
Mercury	$650	$109
Direct General Insurance	$678	$115
UAIC	$1394	$232
Travelers	$1650	$278
Progressive	$4410	$735
Allstate	$4721	$803
State Farm	$5913	$985
Farmers	$3039	$517

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Car Insurance Rates with An Accident in Lakeland

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Lakeland, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lakeland

The cheapest car insurance companies after an at-fault accident in Lakeland include Nationwide and AIG, offering $628 and $803, respectively. Farmers is an expensive provider with an average six-month premium of $3065.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$628	$105
AIG	$803	$136
State Farm	$1017	$171
Travelers	$1033	$174
United Automobile Ins Group	$1634	$272
Mercury	$1688	$284
UAIC	$1825	$305
Progressive	$3011	$507
Allstate	$4175	$703
Farmers	$3065	$511

Lakeland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakeland FL. For example, the car insurance in Lakeland after a DUI increases to $863 for a six month policy. While the rate increases by $262 for a six-month policy in the case of a speeding ticket.

Lakeland auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1678	$280
One Med/PIP claim	$1678	$285
Not-at-fault accident	$1814	$303
Two Med/PIP claims	$1864	$316
One comp claim	$1891	$316
Child safety restraint	$1896	$322
Failure to wear a seat belt	$1896	$316
Driving without lights	$1902	$323
Failure to show documents	$1902	$317
Speeding 6 - 10 MPH over limit	$1940	$330
Improper passing	$1946	$324
Passing school bus	$1946	$331
Wrong way/wrong lane	$1946	$324
Failure to stop at a red light	$1951	$332
Failure to yield	$1951	$325
Illegal turn	$1951	$332
Cell phone violation	$1957	$326
Driving with expired registration	$1957	$333
Following too closely	$1957	$326
Texting while driving	$1961	$334
Two comp claims	$2006	$334
Driving too slowly	$2017	$343
Speeding in school zone	$2017	$336
Speeding 11 - 15 MPH over limit	$2022	$344
In 65 MPH zone	$2093	$349
Speeding 16 - 20 MPH over limit	$2093	$356
Speeding 21 - 25 MPH over limit	$2104	$351
Open container	$2126	$362
Operating a vehicle without permission	$2126	$354
At-fault accident - less than $1000	$2306	$392
At-fault accident - $1000-$2000	$2344	$391
At-fault accident - greater than $2000	$2344	$398
Racing	$2536	$422
DUI	$2541	$432
Refusal to submit to a chemical test	$2541	$423
Driving with a suspended license	$2585	$440
Reckless driving	$2639	$440
Leaving scene of an accident/hit and run	$2667	$454

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Lakeland after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Lakeland.

The cheapest car insurance premiums in Lakeland are offered by AIG at $591 for a six-month policy. However, it can be as expensive as $2498 with companies like Farmers.

Lakeland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$591	$100
Travelers	$1132	$190
State Farm	$1405	$236
Progressive	$1558	$262
Allstate	$2110	$355
UAIC	$2476	$412
Farmers	$2498	$416

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Lakeland are offered by Nationwide at $513. However, it can be as expensive as $2667 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lakeland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$513	$86
State Farm	$820	$138
Travelers	$1011	$170
UAIC	$1394	$237
Allstate	$1508	$254
Progressive	$3541	$602
Farmers	$2667	$454

Car Insurance Price Trends in Lakeland, Florida

Car insurance rates in Lakeland have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Lakeland rose by $260 in February compared to $236 of January. In other words, there has been an increase by $24 when you compare February and January.

The average cost of liability insurance in the Lakeland rose to $177 in February, compared to $76 in January. This represents an increase of $101 when comparing February and January.

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Average Car Insurance Cost in Lakeland by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Lakeland. At $1873 for a six-month policy, insuring your car at 33810 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
33810	$1873	$314
33809	$1747	$293
33815	$1652	$277
33805	$1715	$287
33813	$1794	$301
33803	$1747	$293
33811	$1700	$285
33812	$1652	$277
33801	$1778	$298

Frequently Asked Questions

How much is car insurance in Lakeland?

The car insurance in Lakeland is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Lakeland?

The cheapest car insurance in Lakeland is $167 per month for full coverage.

How much is car insurance in Lakeland for teenagers?

Car insurance for teenagers costs $498 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Lakeland?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $264 per month to insure your car in Lakeland.

Is car insurance expensive in Lakeland?

Car insurance can be expensive in Lakeland if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Lakeland can be affordable.

Cheapest Car Insurance Quotes in Lakeland

Why you can trust Way?

How Much Is Car Insurance in Lakeland

Avg. Car Insurance in Lakeland

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Lakeland

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Lakeland Car Insurance Rates by Company

Cheap Car Insurance Companies in Lakeland, FL

Way's key takeaways about car insurance in Lakeland

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lakeland

Cheapest Liability Coverage in Lakeland, FL

Cheapest Full Coverage Car Insurance in Lakeland

Cheapest Full Coverage Car Insurance Quotes in Lakeland, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lakeland by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Lakeland, FL increasing?

Car Insurance Premiums by Age in Lakeland

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lakeland,FL

If you are in your twenties N/A is the best choice for car insurance in Lakeland.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Lakeland

Cheapest Car Insurance Companies after an At-Fault Accident in Lakeland

Lakeland Car Insurance Rates by Violation

Lakeland auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lakeland after a DUI

Lakeland car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lakeland after Speeding ticket

Car Insurance Price Trends in Lakeland, Florida

Average Car Insurance Cost in Lakeland by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lakeland, FL

Car Insurance Rates by State in the USA (2025 Update)

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