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Finding the cheapest car insurance quotes in Lakeland 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 Lakeland
The car insurance rate in Lakeland is $1537 for a six-month policy, which is $30 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $497, 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.
At $497 for a six
month policy, Louisiana Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: Farm Bureau
Farm Bureau offers auto
insurance rates at $1084 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Southern Farm Bureau
Southern Farm Bureau offers auto insurance
rates at $1127
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, LA is Louisiana Farm Bureau, offering policies at just $497 for a six-month term. This is followed by Farm Bureau, which has an average six-month premium of $1084.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2193 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.
Way's key takeaways about car insurance in Lakeland
The auto insurance costs in Lakeland fall around $497 for six
months.
The cheapest auto insurance company in Lakeland is Louisiana Farm Bureau.
Teen drivers pay the highest rate in Lakeland at $128 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 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.
Louisiana Farm Bureau provides
the cheapest minimum car insurance
coverage in Lakeland. Their Average 6 Month Premium is $237.
AAA is the most
expensive at $491 for the same
period.
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 Louisiana Farm Bureau
at $83 per month and $497
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lakeland,
LA
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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, LA increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lakeland, Louisiana, may be increasing due to several external factors.
Louisiana 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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
USAA
$1018
30s
USAA
$826
40s
USAA
$761
50s
USAA
$727
60s
USAA
$776
70s
USAA
$796
Cheapest Car Insurance Rates for Teen Drivers in
Lakeland,LA
If you are planning to get a car insurance policy for your teenage
dependent, Louisiana Farm Bureau provides the cheapest car
insurance in the Lakeland at $64
per
month. At $752 for a six-month premium,
AAA offers the most expensive rate for
teen drivers.
If you are in your twenties USAA is
the best choice for car
insurance in Lakeland.
As young drivers face the highest rates in Lakeland, USAA
offers the cheapest auto insurance rates at $1018 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 Lakeland,
Louisiana Farm Bureau is
the cheapest car insurance provider. At $424 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 State Farm, offering
rates of around $6622 for six
months.
Save up to $971/yr on car insurance rates in Lakeland.
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, LA,
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 Louisiana Farm Bureau
and State Farm, offering $309
and $921,
respectively. Allstate is an expensive provider
with an average six-month premium of
$1702.
Here is a list of driving violations that can increase your car
insurance rates in Lakeland LA. For example, the car
insurance in Lakeland
after a DUI increases to $1442 for a six
month policy. While the rate increases by $418 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
$1672
$278
One Med/PIP claim
$1672
$285
Two Med/PIP claims
$1690
$282
Not-at-fault accident
$1696
$289
One comp claim
$1702
$284
Two comp claims
$1764
$300
Failure to wear a seat belt
$1970
$328
Failure to show documents
$1993
$339
Child safety restraint
$2024
$338
Driving without lights
$2024
$344
Driving with expired registration
$2060
$344
Driving too slowly
$2090
$355
Speeding 11 - 15 MPH over limit
$2090
$349
Speeding 16 - 20 MPH over limit
$2090
$355
Speeding 6 - 10 MPH over limit
$2090
$349
Speeding in school zone
$2090
$355
In 65 MPH zone
$2096
$350
Cell phone violation
$2114
$359
Texting while driving
$2114
$353
Wrong way/wrong lane
$2114
$359
At-fault accident - less than $1000
$2127
$354
Failure to stop at a red light
$2127
$362
Failure to yield
$2127
$354
Following too closely
$2127
$362
Illegal turn
$2127
$354
Improper passing
$2127
$362
Passing school bus
$2145
$357
Speeding 21 - 25 MPH over limit
$2145
$365
Open container
$2205
$367
Operating a vehicle without permission
$2357
$401
At-fault accident - $1000-$2000
$2417
$403
At-fault accident - greater than $2000
$2417
$411
Reckless driving
$2920
$487
Refusal to submit to a chemical test
$2969
$505
DUI
$3114
$519
Racing
$3139
$533
Leaving scene of an accident/hit and run
$3163
$527
Driving with a suspended license
$3175
$540
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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 Louisiana Farm Bureau at $340 for a six-month policy.
However, it can be as
expensive as $824 with companies
like AAA.
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 Louisiana Farm Bureau
at $278. However,
it can be as expensive as $1945
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Lakeland after Speeding ticket
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
$309 in December
compared to $305 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Lakeland rose to $85 in December,
compared to $78 in November.
This represents an increase of $7
when comparing December and November.
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 $3074 for a
six-month policy, insuring
your car at 70752 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 Lakeland?
The car insurance in Lakeland is $40 per month, which is lower than the national average.
What is the cheapest car insurance in Lakeland?
The cheapest car insurance in Lakeland
is $83 per month
for full coverage.
How much is car insurance in Lakeland for teenagers?
Car insurance for teenagers costs $388 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 $1507 for a six-month
policy. It will cost around $258 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.
What is the best car insurance in Lakeland,
LA?
The best car insurance company in Lakeland
LA is
Louisiana Farm Bureau, offering $497 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lakeland, LA
Car Insurance Rates by State in the USA (2025 Update)
Lakeland Car Insurance
