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Finding the cheapest car insurance quotes in Lakewood Gardens shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Lakewood Gardens
The car insurance rate in Lakewood Gardens is $2257 for a six-month policy, which is $656 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1441, making it a popular choice for budget-conscious drivers. Rates in Lakewood Gardens 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.
Cheapest Car Insurance Companies in Lakewood Gardens
1st place: Travelers
At $1441 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 $1533 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Nationwide
Nationwide offers auto insurance
rates at $1784
for six months, making it
the third cheapest auto insurance company in Lakewood Gardens.
Lakewood Gardens Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Lakewood Gardens, FL is Travelers, offering policies at just $1441 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1533.
At the higher end of the spectrum, Metropolitan Group is the most expensive, with rates reaching $1348 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakewood Gardens drivers find the best deals.
Cheap Car Insurance Companies in Lakewood Gardens, FL
Way's key takeaways about car insurance in Lakewood Gardens
The auto insurance costs in Lakewood Gardens fall around $1441 for six
months.
The cheapest auto insurance company in Lakewood Gardens is Patrons Insurance.
Teen drivers pay the highest rate in Lakewood Gardens at $1947 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Lakewood Gardens
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 Lakewood Gardens are given below.
Patrons Insurance provides
the cheapest minimum car insurance
coverage in Lakewood Gardens. Their Average 6 Month Premium is $176.
Metropolitan Group is the most
expensive at $536 for the same
period.
Cheapest Liability Coverage in Lakewood Gardens, FL
Cheapest Full Coverage Car Insurance in Lakewood Gardens
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 Lakewood Gardens is Travelers
at $243 per month and $1441
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lakewood Gardens,
FL
Get Your Car Insurance Quote in Lakewood Gardens
Instantly!
Average Car Insurance in Lakewood Gardens 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 Lakewood Gardens, FL increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lakewood Gardens, 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, Lakewood Gardens's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Lakewood Gardens
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Travelers
$1829
40s
Travelers
$1380
50s
Travelers
$1287
60s
Travelers
$1269
Cheapest Car Insurance Rates for Teen Drivers in
Lakewood Gardens,FL
If you are planning to get a car insurance policy for your teenage
dependent, Nationwide provides the cheapest car
insurance in the Lakewood Gardens at $127
per
month. At $11449 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Lakewood Gardens.
As young drivers face the highest rates in Lakewood Gardens, Travelers
offers the cheapest auto insurance rates at $1829 for six months.
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 Lakewood Gardens,
Nationwide is
the cheapest car insurance provider. At $912 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
Lakewood Gardens is Allstate, offering
rates of around $7321 for six
months.
Save up to $971/yr on car insurance rates in Lakewood Gardens.
Car Insurance Rates with An Accident in Lakewood Gardens
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 Lakewood Gardens, FL,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Lakewood Gardens
The cheapest car insurance companies after an at-fault accident in
Lakewood Gardens include Nationwide
and AIG, offering $963
and $1231,
respectively. National General is an expensive provider
with an average six-month premium of
$1490.
Here is a list of driving violations that can increase your car
insurance rates in Lakewood Gardens FL. For example, the car
insurance in Lakewood Gardens
after a DUI increases to $1322 for a six
month policy. While the rate increases by $402 for a six-month policy in the case of
a speeding ticket.
Lakewood Gardens auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$2572
$429
One Med/PIP claim
$2572
$437
Not-at-fault accident
$2781
$464
Two Med/PIP claims
$2857
$485
One comp claim
$2898
$484
Child safety restraint
$2906
$494
Failure to wear a seat belt
$2906
$485
Driving without lights
$2914
$495
Failure to show documents
$2914
$486
Speeding 6 - 10 MPH over limit
$2974
$506
Improper passing
$2982
$496
Passing school bus
$2982
$508
Wrong way/wrong lane
$2982
$496
Failure to stop at a red light
$2991
$509
Failure to yield
$2991
$498
Illegal turn
$2991
$509
Cell phone violation
$2999
$499
Driving with expired registration
$2999
$510
Following too closely
$2999
$499
Texting while driving
$3006
$512
Two comp claims
$3074
$512
Driving too slowly
$3091
$526
Speeding in school zone
$3091
$515
Speeding 11 - 15 MPH over limit
$3099
$527
In 65 MPH zone
$3208
$534
Speeding 16 - 20 MPH over limit
$3208
$546
Speeding 21 - 25 MPH over limit
$3225
$537
Open container
$3259
$554
Operating a vehicle without permission
$3259
$543
At-fault accident - less than $1000
$3535
$601
At-fault accident - $1000-$2000
$3593
$599
At-fault accident - greater than $2000
$3593
$611
Racing
$3886
$647
DUI
$3894
$663
Refusal to submit to a chemical test
$3894
$649
Driving with a suspended license
$3962
$674
Reckless driving
$4045
$674
Leaving scene of an accident/hit and run
$4088
$695
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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 Lakewood Gardens 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 Lakewood Gardens.
The cheapest car insurance premiums in
Lakewood Gardens are
offered by AIG at $905 for a six-month policy.
However, it can be as
expensive as $1122 with companies
like National General.
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 Lakewood Gardens are offered by Nationwide
at $787. However,
it can be as expensive as $4088
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Lakewood Gardens after Speeding ticket
Car Insurance Price Trends in Lakewood Gardens,
Florida
Car insurance rates in Lakewood Gardens have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Lakewood Gardens remained steady at $389 in both December and November, indicating no change over the two month period.
The average cost of liability insurance in the Lakewood Gardens remained steady at $118 in both December and November, indicating no change over the two month period.
Average Car Insurance Cost in Lakewood Gardens 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
Lakewood Gardens. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Lakewood Gardens?
The car insurance in Lakewood Gardens is $30 per month, which is lower than the national average.
What is the cheapest car insurance in Lakewood Gardens?
The cheapest car insurance in Lakewood Gardens
is $243 per month
for full coverage.
How much is car insurance in Lakewood Gardens for teenagers?
Car insurance for teenagers costs $763 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
Lakewood Gardens?
The average cost of car insurance is $1601 for a six-month
policy. It will cost around $379 per month to insure your
car in Lakewood Gardens.
Is car insurance expensive in Lakewood Gardens?
Car insurance can be expensive in Lakewood Gardens if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Lakewood Gardens can be
affordable.
What is the best car insurance in Lakewood Gardens,
FL?
The best car insurance company in Lakewood Gardens
FL is
Travelers, offering $1441 for a
six-month policy.
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Lakewood Gardens Car Insurance
