Cheapest Car Insurance Quotes in Lakeland

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Lakeland Car Insurance

^$ 29

/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 $1089 for a six-month policy, which is $211 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $531, 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

$1089

Avg. Car Insurance in Tennessee

$878

National Average

$1278

Cheapest Car Insurance Companies in Lakeland

1st place: AutoOwners Insurance Co

At $531 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Westfield

Westfield offers auto insurance rates at $559 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Tennessee Farm Bureau

Tennessee Farm Bureau offers auto insurance rates at $596 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, TN is AutoOwners Insurance Co, offering policies at just $531 for a six-month term. This is followed by Westfield, which has an average six-month premium of $559.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1789 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, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$531	$91
Westfield	$559	$93
Tennessee Farm Bureau	$596	$102
Erie	$832	$140
Travelers	$869	$146
USAA	$942	$159
Grange	$1024	$172
Farm Bureau of Tennessee	$1060	$177
Auto-Owners	$1090	$185
Farmers	$1178	$198
Tennessee Farmers	$1185	$202
Penn National	$1282	$213
Nationwide	$1421	$242
State Farm	$1436	$242
Progressive	$1636	$275
Allstate	$1789	$299

Key Takeaways

Way's key takeaways about car insurance in Lakeland

The auto insurance costs in Lakeland fall around $531 for six months.
The cheapest auto insurance company in Lakeland is Westfield.
Teen drivers pay the highest rate in Lakeland at $1115 per month.

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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.

Westfield provides the cheapest minimum car insurance coverage in Lakeland. Their Average 6 Month Premium is $170. Allstate is the most expensive at $596 for the same period.

Cheapest Liability Coverage in Lakeland, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$170	$29
Auto-Owners Insurance Co	$198	$33
Tennessee Farm Bureau	$206	$35
Farm Bureau of Tennessee	$213	$36
Tennessee Farmers	$243	$41
USAA	$243	$41
Cincinnati	$250	$42
Erie	$280	$47
Travelers	$280	$47
Penn National	$303	$51
Auto-Owners	$316	$53
Farmers	$346	$58
State Farm	$361	$61
Progressive	$405	$68
Allstate	$596	$100

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 AutoOwners Insurance Co at $91 per month and $531 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakeland, TN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$531	$91
Westfield	$559	$93
Tennessee Farm Bureau	$596	$102
Erie	$832	$140
Travelers	$869	$146
USAA	$942	$159
Grange	$1024	$172
Farm Bureau of Tennessee	$1060	$177
Auto-Owners	$1090	$185
Farmers	$1178	$198
Tennessee Farmers	$1185	$202
Penn National	$1282	$213
Nationwide	$1421	$242
State Farm	$1436	$242
Progressive	$1636	$275
Allstate	$1789	$299

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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, TN increasing?

Despite maintaining a clean driving record, your car insurance rates in Lakeland, Tennessee, may be increasing due to several external factors. Tennessee 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,TN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Lakeland at $33 per month. At $6556 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
Tennessee Farm Bureau	$280	$47
Auto-Owners Insurance Co	$295	$50
Grange	$316	$53
Cincinnati	$324	$55
Erie	$1090	$184
USAA	$1090	$184
Travelers	$1149	$193
State Farm	$1738	$293
Farmers	$1989	$335
Progressive	$2939	$495
Auto-Owners	$3778	$630
Allstate	$6556	$1115

Teen Car Insurance Rates in TN 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, Tennessee Farm Bureau is the cheapest car insurance provider. At $236 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 $6173 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$236	$40
Westfield	$309	$52
Grange	$368	$62
Cincinnati	$434	$74
Travelers	$1105	$186
Farmers	$1275	$215
USAA	$1303	$217
Progressive	$1466	$247
Erie	$1495	$252
Auto-Owners	$2881	$490
Allstate	$3116	$520
State Farm	$6173	$1049

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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, TN, 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 Tennessee Farm Bureau and Farm Bureau of Tennessee, offering $206 and $213, respectively. Allstate is an expensive provider with an average six-month premium of $3572.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$206	$35
Farm Bureau of Tennessee	$213	$36
Westfield	$288	$48
Auto-Owners Insurance Co	$368	$63
Grange	$398	$66
Travelers	$611	$103
Erie	$671	$113
USAA	$684	$115
State Farm	$729	$123
Farmers	$832	$140
Progressive	$1275	$215
Auto-Owners	$1856	$316
Allstate	$3572	$595

Lakeland Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakeland TN. For example, the car insurance in Lakeland after a DUI increases to $1230 for a six month policy. While the rate increases by $236 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	$1230	$205
Not-at-fault accident	$1238	$211
One Med/PIP claim	$1245	$207
One comp claim	$1260	$215
Two comp claims	$1275	$212
Two Med/PIP claims	$1275	$217
Failure to wear a seat belt	$1414	$236
Failure to show documents	$1436	$244
Child safety restraint	$1443	$241
Driving without lights	$1443	$246
Cell phone violation	$1466	$244
Driving with expired registration	$1466	$249
Speeding 6 - 10 MPH over limit	$1466	$244
Driving too slowly	$1473	$250
Speeding 11 - 15 MPH over limit	$1473	$246
Speeding in school zone	$1473	$250
Failure to yield	$1481	$247
Following too closely	$1481	$252
Illegal turn	$1481	$247
Speeding 16 - 20 MPH over limit	$1481	$252
Texting while driving	$1481	$247
Improper passing	$1495	$254
Wrong way/wrong lane	$1495	$249
Failure to stop at a red light	$1503	$255
In 65 MPH zone	$1525	$254
Speeding 21 - 25 MPH over limit	$1561	$265
At-fault accident - less than $1000	$1583	$264
Passing school bus	$1583	$269
Operating a vehicle without permission	$1679	$280
Open container	$1694	$288
At-fault accident - $1000-$2000	$1827	$305
At-fault accident - greater than $2000	$1827	$310
Reckless driving	$2305	$384
Racing	$2313	$393
Driving with a suspended license	$2372	$396
Refusal to submit to a chemical test	$2416	$410
DUI	$2460	$410
Leaving scene of an accident/hit and run	$2460	$418

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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 Tennessee Farm Bureau at $324 for a six-month policy. However, it can be as expensive as $2593 with companies like AutoOwners.

Lakeland car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Tennessee Farm Bureau	$324	$55
Grange	$501	$83
Travelers	$854	$144
Farmers	$980	$165
USAA	$1164	$196
Erie	$1208	$203
Progressive	$1215	$205
Tennessee Farmers	$1428	$238
State Farm	$1443	$243
Allstate	$2217	$373
Auto-Owners	$2593	$441

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 Westfield at $198. However, it can be as expensive as $2615 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Lakeland after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$198	$33
Tennessee Farm Bureau	$206	$35
Auto-Owners Insurance Co	$288	$48
Cincinnati	$303	$51
Chubb	$331	$56
Erie	$714	$120
Travelers	$847	$143
USAA	$869	$148
State Farm	$942	$159
Auto-Owners	$1090	$185
Progressive	$1363	$229
Farmers	$1856	$316
Allstate	$2615	$435

Car Insurance Price Trends in Lakeland, Tennessee

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 $216 in January compared to $119 of December. In other words, there has been an increase by $97 when you compare January and December.

The average cost of liability insurance in the Lakeland rose to $52 in January, compared to $46 in December. This represents an increase of $6 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lakeland?

The car insurance in Lakeland is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Lakeland?

The cheapest car insurance in Lakeland is $91 per month for full coverage.

How much is car insurance in Lakeland for teenagers?

Car insurance for teenagers costs $198 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 $878 for a six-month policy. It will cost around $184 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 Tennessee

National Average

Cheapest Car Insurance Companies in Lakeland

1st place: AutoOwners Insurance Co

2nd place: Westfield

3rd place: Tennessee Farm Bureau

Lakeland Car Insurance Rates by Company

Cheap Car Insurance Companies in Lakeland, TN

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, TN

Cheapest Full Coverage Car Insurance in Lakeland

Cheapest Full Coverage Car Insurance Quotes in Lakeland, TN

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, TN 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,TN

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, Tennessee

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, TN

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

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