Cheapest Car Insurance Quotes in Lakeland Highlands

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Lakeland Highlands 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 Highlands

The car insurance rate in Lakeland Highlands is $1557 for a six-month policy, which is $154 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $984, making it a popular choice for budget-conscious drivers. Rates in Lakeland Highlands 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 Highlands

$1557

Avg. Car Insurance in Florida

$1711

National Average

$1278

Cheapest Car Insurance Companies in Lakeland Highlands

1st place: Travelers

At $984 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 $1027 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1076 for six months, making it the third cheapest auto insurance company in Lakeland Highlands.

Lakeland Highlands Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakeland Highlands, FL is Travelers, offering policies at just $984 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1027.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2173 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakeland Highlands drivers find the best deals.

Cheap Car Insurance Companies in Lakeland Highlands, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$984	$166
State Farm	$1027	$173
Nationwide	$1076	$181
United Automobile Ins Group	$1243	$211
UAIC	$1373	$231
Progressive	$1622	$273
Mercury	$2346	$391
Allstate	$2362	$398
MetLife	$1368	$233
Farmers	$2173	$362

Key Takeaways

Way's key takeaways about car insurance in Lakeland Highlands

The auto insurance costs in Lakeland Highlands fall around $984 for six months.
The cheapest auto insurance company in Lakeland Highlands is Mercury.
Teen drivers pay the highest rate in Lakeland Highlands at $1257 per month.

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Cheapest Minimum Liability Car Insurance in Lakeland Highlands

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 Highlands are given below.

Mercury provides the cheapest minimum car insurance coverage in Lakeland Highlands. Their Average 6 Month Premium is $389. Farmers is the most expensive at $600 for the same period.

Cheapest Liability Coverage in Lakeland Highlands, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$389	$66
Nationwide	$432	$74
MetLife	$454	$76
AIG	$508	$86
United Automobile Ins Group	$654	$109
Travelers	$757	$127
State Farm	$1119	$188
Progressive	$1870	$315
Allstate	$2098	$353
UAIC	$2449	$417
Patrons Insurance	$114	$19
Farmers	$600	$100

Cheapest Full Coverage Car Insurance in Lakeland Highlands

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 Highlands is Travelers at $166 per month and $984 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakeland Highlands, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$984	$166
State Farm	$1027	$173
Nationwide	$1076	$181
United Automobile Ins Group	$1243	$211
UAIC	$1373	$231
Progressive	$1622	$273
Mercury	$2346	$391
Allstate	$2362	$398
MetLife	$1368	$233
Farmers	$2173	$362

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Average Car Insurance in Lakeland Highlands 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 Highlands, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Lakeland Highlands, 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 Highlands'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 Highlands

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 Highlands,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Lakeland Highlands at $82 per month. At $7389 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$492	$82
AIG	$665	$113
Travelers	$1778	$299
State Farm	$2195	$369
United Automobile Ins Group	$3065	$511
UAIC	$3140	$534
Allstate	$4670	$786
Mercury	$5762	$970
Progressive	$8470	$1426
Farmers	$7389	$1257

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 Highlands, Nationwide is the cheapest car insurance provider. At $589 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 Highlands is Farmers, offering rates of around $3006 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$589	$100
Mercury	$643	$107
Direct General Insurance	$671	$114
UAIC	$1379	$229
Travelers	$1633	$275
Progressive	$4363	$727
Allstate	$4670	$794
State Farm	$5849	$975
Farmers	$3006	$511

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Car Insurance Rates with An Accident in Lakeland Highlands

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 Highlands, FL, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Lakeland Highlands include Nationwide and AIG, offering $622 and $794, respectively. Farmers is an expensive provider with an average six-month premium of $3032.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$622	$104
AIG	$794	$135
State Farm	$1006	$169
Travelers	$1022	$172
United Automobile Ins Group	$1616	$269
Mercury	$1670	$281
UAIC	$1805	$301
Progressive	$2978	$501
Allstate	$4130	$695
Farmers	$3032	$505

Lakeland Highlands Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakeland Highlands FL. For example, the car insurance in Lakeland Highlands after a DUI increases to $853 for a six month policy. While the rate increases by $259 for a six-month policy in the case of a speeding ticket.

Lakeland Highlands auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1660	$277
One Med/PIP claim	$1660	$282
Not-at-fault accident	$1795	$299
Two Med/PIP claims	$1844	$313
One comp claim	$1870	$312
Child safety restraint	$1876	$319
Failure to wear a seat belt	$1876	$313
Driving without lights	$1881	$319
Failure to show documents	$1881	$314
Speeding 6 - 10 MPH over limit	$1919	$327
Improper passing	$1925	$320
Passing school bus	$1925	$328
Wrong way/wrong lane	$1925	$320
Failure to stop at a red light	$1930	$329
Failure to yield	$1930	$321
Illegal turn	$1930	$329
Cell phone violation	$1936	$322
Driving with expired registration	$1936	$329
Following too closely	$1936	$322
Texting while driving	$1940	$330
Two comp claims	$1984	$330
Driving too slowly	$1995	$339
Speeding in school zone	$1995	$332
Speeding 11 - 15 MPH over limit	$2000	$340
In 65 MPH zone	$2070	$345
Speeding 16 - 20 MPH over limit	$2070	$352
Speeding 21 - 25 MPH over limit	$2081	$347
Open container	$2103	$358
Operating a vehicle without permission	$2103	$350
At-fault accident - less than $1000	$2281	$388
At-fault accident - $1000-$2000	$2319	$387
At-fault accident - greater than $2000	$2319	$394
Racing	$2508	$418
DUI	$2513	$428
Refusal to submit to a chemical test	$2513	$419
Driving with a suspended license	$2557	$435
Reckless driving	$2611	$435
Leaving scene of an accident/hit and run	$2638	$449

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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 Highlands 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 Highlands.

The cheapest car insurance premiums in Lakeland Highlands are offered by AIG at $584 for a six-month policy. However, it can be as expensive as $2471 with companies like Farmers.

Lakeland Highlands car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$584	$99
Travelers	$1119	$188
State Farm	$1390	$234
Progressive	$1541	$259
Allstate	$2087	$351
UAIC	$2449	$408
Farmers	$2471	$411

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 Highlands are offered by Nationwide at $508. However, it can be as expensive as $2638 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Lakeland Highlands after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$508	$85
State Farm	$811	$137
Travelers	$1000	$168
UAIC	$1379	$235
Allstate	$1491	$251
Progressive	$3503	$595
Farmers	$2638	$449

Car Insurance Price Trends in Lakeland Highlands, Florida

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

The average cost of full coverage in the Lakeland Highlands rose by $258 in March compared to $233 of February. In other words, there has been an increase by $25 when you compare March and February.

The average cost of liability insurance in the Lakeland Highlands rose to $175 in March, compared to $76 in February. This represents an increase of $99 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in Lakeland Highlands?

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

What is the cheapest car insurance in Lakeland Highlands?

The cheapest car insurance in Lakeland Highlands is $166 per month for full coverage.

How much is car insurance in Lakeland Highlands for teenagers?

Car insurance for teenagers costs $492 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 Highlands?

The average cost of car insurance is $1711 for a six-month policy. It will cost around $261 per month to insure your car in Lakeland Highlands.

Is car insurance expensive in Lakeland Highlands?

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

Cheapest Car Insurance Quotes in Lakeland Highlands

Why you can trust Way?

How Much Is Car Insurance in Lakeland Highlands

Avg. Car Insurance in Lakeland Highlands

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Lakeland Highlands

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Lakeland Highlands Car Insurance Rates by Company

Cheap Car Insurance Companies in Lakeland Highlands, FL

Way's key takeaways about car insurance in Lakeland Highlands

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lakeland Highlands

Cheapest Liability Coverage in Lakeland Highlands, FL

Cheapest Full Coverage Car Insurance in Lakeland Highlands

Cheapest Full Coverage Car Insurance Quotes in Lakeland Highlands, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lakeland Highlands by Rating Factor

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

Car Insurance Premiums by Age in Lakeland Highlands

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lakeland Highlands,FL

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

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 Highlands

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

Lakeland Highlands Car Insurance Rates by Violation

Lakeland Highlands auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lakeland Highlands after a DUI

Lakeland Highlands car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lakeland Highlands after Speeding ticket

Car Insurance Price Trends in Lakeland Highlands, Florida

Average Car Insurance Cost in Lakeland Highlands by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lakeland Highlands, FL

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

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