Cheapest Car Insurance Quotes in Lakeland South

Finding the cheapest car insurance quotes in Lakeland South 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.
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Lakeland South Car Insurance

^$ 46

/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 South

The car insurance rate in Lakeland South is $1165 for a six-month policy, which is $248 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $521, making it a popular choice for budget-conscious drivers. Rates in Lakeland South 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 South

$1165

Avg. Car Insurance in Washington

$917

National Average

$1278

Cheapest Car Insurance Companies in Lakeland South

1st place: Kemper

At $521 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $701 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $724 for six months, making it the third cheapest auto insurance company in Lakeland South.

Lakeland South Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lakeland South, WA is Kemper, offering policies at just $521 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $701.

At the higher end of the spectrum, Sentry is the most expensive, with rates reaching $3071 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lakeland South drivers find the best deals.

Cheap Car Insurance Companies in Lakeland South, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$521	$86
Nationwide	$701	$119
Auto-Owners Insurance Co	$724	$121
Chubb	$822	$140
Capital Insurance Group	$837	$140
USAA	$980	$165
Mutual of Enumclaw	$1034	$173
American Family	$1057	$178
State Farm	$1057	$178
Progressive	$1078	$182
PEMCO	$1162	$196
Travelers	$1170	$197
Farmers	$1283	$216
Allstate	$1448	$244
Granwest P&C	$1704	$284
Sentry	$3071	$522

Key Takeaways

Way's key takeaways about car insurance in Lakeland South

The auto insurance costs in Lakeland South fall around $521 for six months.
The cheapest auto insurance company in Lakeland South is California Casualty.
Teen drivers pay the highest rate in Lakeland South at $865 per month.

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Cheapest Minimum Liability Car Insurance in Lakeland South

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 South are given below.

California Casualty provides the cheapest minimum car insurance coverage in Lakeland South. Their Average 6 Month Premium is $272. Grange is the most expensive at $272 for the same period.

Cheapest Liability Coverage in Lakeland South, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
California Casualty	$272	$46
USAA	$272	$46
Granwest P&C	$279	$47
Auto-Owners Insurance Co	$295	$50
Chubb	$347	$58
Nationwide	$362	$61
PEMCO	$362	$61
Capital Insurance Group	$385	$66
Progressive	$392	$66
American Family	$400	$69
Mutual of Enumclaw	$431	$72
State Farm	$431	$72
Travelers	$438	$74
Farmers	$513	$86
Allstate	$852	$144
Sentry	$883	$150
Encompass	$264	$44
Grange	$272	$46

Cheapest Full Coverage Car Insurance in Lakeland South

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 South is Kemper at $86 per month and $521 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lakeland South, WA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$521	$86
Nationwide	$701	$119
Auto-Owners Insurance Co	$724	$121
Chubb	$822	$140
Capital Insurance Group	$837	$140
USAA	$980	$165
Mutual of Enumclaw	$1034	$173
American Family	$1057	$178
State Farm	$1057	$178
Progressive	$1078	$182
PEMCO	$1162	$196
Travelers	$1170	$197
Farmers	$1283	$216
Allstate	$1448	$244
Granwest P&C	$1704	$284
Sentry	$3071	$522

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Average Car Insurance in Lakeland South 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 South, WA increasing?

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

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	PEMCO	$860
30s	PEMCO	$602
40s	PEMCO	$608
50s	PEMCO	$578
60s	PEMCO	$608
70s	PEMCO	$756

Cheapest Car Insurance Rates for Teen Drivers in Lakeland South,WA

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Lakeland South at $71 per month. At $5190 for a six-month premium, Sentry offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$415	$71
Auto-Owners Insurance Co	$431	$71
Chubb	$483	$83
Travelers	$1419	$239
State Farm	$1501	$253
USAA	$1742	$293
Pemco	$2142	$361
Farmers	$2587	$436
Mutual of Enumclaw	$2617	$445
Progressive	$2859	$481
Allstate	$2972	$500
Sentry	$5190	$865

Teen Car Insurance Rates in WA by Age

Way Tip

If you are in your twenties PEMCO is the best choice for car insurance in Lakeland South.

As young drivers face the highest rates in Lakeland South, PEMCO offers the cheapest auto insurance rates at $860 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 South, AutoOwners Insurance Co is the cheapest car insurance provider. At $295 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 South is Sentry, offering rates of around $3071 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$295	$50
Chubb	$347	$58
American Family	$400	$69
Nationwide	$415	$69
Kemper	$452	$77
Farmers	$1177	$198
Travelers	$1252	$211
State Farm	$1486	$250
Progressive	$1494	$251
USAA	$1532	$255
Pemco	$1750	$295
Mutual of Enumclaw	$1796	$300
Allstate	$2807	$478
Sentry	$3071	$512

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Lakeland South.

Car Insurance Rates with An Accident in Lakeland South

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 South, WA, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Lakeland South include AutoOwners Insurance Co and Encompass, offering $377 and $431, respectively. Sentry is an expensive provider with an average six-month premium of $5334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$377	$64
Encompass	$431	$74
Chubb	$445	$75
American Family	$483	$83
Kemper	$626	$104
USAA	$672	$113
Travelers	$980	$165
State Farm	$1003	$169
PEMCO	$1093	$184
Capital Insurance Group	$1116	$189
Mutual of Enumclaw	$1396	$232
Progressive	$1486	$250
Farmers	$1584	$267
Allstate	$2587	$436
Sentry	$5334	$889

Lakeland South Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lakeland South WA. For example, the car insurance in Lakeland South after a DUI increases to $1033 for a six month policy. While the rate increases by $294 for a six-month policy in the case of a speeding ticket.

Lakeland South auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1358	$226
One Med/PIP claim	$1358	$231
Not-at-fault accident	$1403	$234
Two Med/PIP claims	$1403	$239
One comp claim	$1411	$235
Two comp claims	$1471	$250
Failure to show documents	$1622	$271
Child safety restraint	$1637	$278
Driving without lights	$1652	$276
Failure to wear a seat belt	$1652	$281
Speeding 11 - 15 MPH over limit	$1652	$276
Speeding 16 - 20 MPH over limit	$1652	$281
Speeding 6 - 10 MPH over limit	$1652	$276
Driving too slowly	$1668	$283
Driving with expired registration	$1668	$278
Cell phone violation	$1675	$284
Failure to yield	$1675	$279
Improper passing	$1675	$284
Texting while driving	$1675	$279
Wrong way/wrong lane	$1675	$284
Failure to stop at a red light	$1683	$281
Following too closely	$1683	$286
Illegal turn	$1683	$281
Speeding in school zone	$1758	$298
Passing school bus	$1765	$295
At-fault accident - less than $1000	$1788	$304
Speeding 21 - 25 MPH over limit	$1788	$298
Open container	$1796	$305
In 65 MPH zone	$1863	$311
At-fault accident - $1000-$2000	$1932	$329
At-fault accident - greater than $2000	$1939	$323
Operating a vehicle without permission	$1953	$333
Refusal to submit to a chemical test	$2338	$390
Reckless driving	$2346	$399
Driving with a suspended license	$2369	$395
DUI	$2391	$406
Racing	$2474	$413
Leaving scene of an accident/hit and run	$2489	$423

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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 South 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 South.

The cheapest car insurance premiums in Lakeland South are offered by Chubb at $431 for a six-month policy. However, it can be as expensive as $4044 with companies like Sentry.

Lakeland South car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$431	$74
American Family	$475	$79
Auto-Owners Insurance Co	$544	$93
Travelers	$1034	$174
Progressive	$1041	$175
USAA	$1147	$193
Pemco	$1267	$213
State Farm	$1380	$232
Farmers	$1614	$272
Mutual of Enumclaw	$1803	$301
Grange	$2309	$392
Allstate	$2361	$398
Cal Casualty	$2579	$438
Sentry	$4044	$674

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 South are offered by Chubb at $377. However, it can be as expensive as $4942 with companies like Sentry for a similar six-month premium.

Cheapest Car Insurance in Lakeland South after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$377	$65
Auto-Owners Insurance Co	$392	$65
American Family	$475	$81
State Farm	$883	$149
Travelers	$1078	$182
USAA	$1185	$197
Mutual of Enumclaw	$1260	$215
Pemco	$1313	$221
Progressive	$1342	$226
Farmers	$1478	$249
Allstate	$2271	$386
Sentry	$4942	$823

Car Insurance Price Trends in Lakeland South, Washington

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

The average cost of full coverage in the Lakeland South rose by $248 in January compared to $192 of December. In other words, there has been an increase by $56 when you compare January and December.

The average cost of liability insurance in the Lakeland South rose to $71 in January, compared to $65 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 South?

The car insurance in Lakeland South is $46 per month, which is lower than the national average.

What is the cheapest car insurance in Lakeland South?

The cheapest car insurance in Lakeland South is $86 per month for full coverage.

How much is car insurance in Lakeland South for teenagers?

Car insurance for teenagers costs $415 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 South?

The average cost of car insurance is $917 for a six-month policy. It will cost around $196 per month to insure your car in Lakeland South.

Is car insurance expensive in Lakeland South?

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

Cheapest Car Insurance Quotes in Lakeland South

Why you can trust Way?

How Much Is Car Insurance in Lakeland South

Avg. Car Insurance in Lakeland South

Avg. Car Insurance in Washington

National Average

Cheapest Car Insurance Companies in Lakeland South

1st place: Kemper

2nd place: Nationwide

3rd place: AutoOwners Insurance Co

Lakeland South Car Insurance Rates by Company

Cheap Car Insurance Companies in Lakeland South, WA

Way's key takeaways about car insurance in Lakeland South

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Lakeland South

Cheapest Liability Coverage in Lakeland South, WA

Cheapest Full Coverage Car Insurance in Lakeland South

Cheapest Full Coverage Car Insurance Quotes in Lakeland South, WA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Lakeland South by Rating Factor

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

Car Insurance Premiums by Age in Lakeland South

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Lakeland South,WA

If you are in your twenties PEMCO is the best choice for car insurance in Lakeland South.

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 South

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

Lakeland South Car Insurance Rates by Violation

Lakeland South auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Lakeland South after a DUI

Lakeland South car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Lakeland South after Speeding ticket

Car Insurance Price Trends in Lakeland South, Washington

Average Car Insurance Cost in Lakeland South by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Lakeland South, WA

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

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