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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 $1119 for a six-month policy, which is $84 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $458, 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 $458 for a six
month policy, Travelers offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $575 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: Encompass
Encompass offers auto insurance
rates at $635
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, MI is Travelers, offering policies at just $458 for a six-month term. This is followed by USAA, which has an average six-month premium of $575.
At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $757 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 $458 for six
months.
The cheapest auto insurance company in Lakeland is Travelers.
Teen drivers pay the highest rate in Lakeland at $898 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.
Travelers provides
the cheapest minimum car insurance
coverage in Lakeland. Their Average 6 Month Premium is $193.
Hastings Mutual is the most
expensive at $331 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 Travelers
at $77 per month and $458
for six months.
Cheapest Full Coverage Car Insurance Quotes in Lakeland,
MI
Get Your Car Insurance Quote in Lakeland
Instantly!
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, MI increasing?
Despite maintaining a clean driving record, your car insurance rates
in Lakeland, Michigan, may be increasing due to several external factors.
Michigan 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
Chubb
$259
30s
USAA
$197
40s
USAA
$189
50s
USAA
$181
60s
Chubb
$166
70s
Chubb
$181
Cheapest Car Insurance Rates for Teen Drivers in
Lakeland,MI
If you are planning to get a car insurance policy for your teenage
dependent, Travelers provides the cheapest car
insurance in the Lakeland at $38
per
month. At $5391 for a six-month premium,
Bristol West offers the most expensive rate for
teen drivers.
If you are in your twenties Chubb is
the best choice for car
insurance in Lakeland.
As young drivers face the highest rates in Lakeland, Chubb
offers the cheapest auto insurance rates at $259 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,
Travelers is
the cheapest car insurance provider. At $370 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 Farm Bureau Ins of MI, offering
rates of around $1171 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, MI,
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 Chubb
and Westfield, offering $282
and $299,
respectively. Pioneer State is an expensive provider
with an average six-month premium of
$442.
Here is a list of driving violations that can increase your car
insurance rates in Lakeland MI. For example, the car
insurance in Lakeland
after a DUI increases to $2232 for a six
month policy. While the rate increases by $1216 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
$1216
$203
Failure to wear a seat belt
$1442
$246
Cell phone violation
$1530
$255
Texting while driving
$1530
$260
Illegal turn
$1535
$256
Wrong way/wrong lane
$1535
$261
Speeding in school zone
$1558
$259
Driving with expired registration
$1569
$267
Failure to stop at a red light
$1586
$264
Improper passing
$1586
$270
Speeding 16 - 20 MPH over limit
$1762
$294
Open container
$2077
$353
Driving with a suspended license
$2326
$388
Racing
$2999
$510
Reckless driving
$3260
$543
Leaving scene of an accident/hit and run
$3342
$568
DUI
$3448
$575
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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 Chubb at $282 for a six-month policy.
However, it can be as
expensive as $8706 with companies
like Allstate.
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 Westfield
at $243. However,
it can be as expensive as $10988
with companies like Farmers 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 dipped by
$249 in December
compared to $256 of November. In other words, there has been an decrease by $7 when you
compare December and November.
The average cost of liability insurance in the Lakeland rose to $83 in December,
compared to $76 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 $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 Lakeland?
The car insurance in Lakeland is $33 per month, which is lower than the national average.
What is the cheapest car insurance in Lakeland?
The cheapest car insurance in Lakeland
is $77 per month
for full coverage.
How much is car insurance in Lakeland for teenagers?
Car insurance for teenagers costs $227 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 $1203 for a six-month
policy. It will cost around $188 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,
MI?
The best car insurance company in Lakeland
MI is
Travelers, offering $458 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Lakeland, MI
Car Insurance Rates by State in the USA (2025 Update)
Lakeland Car Insurance
