Cheapest Car Insurance in Lakeland, Florida
State Farm has the cheapest car insurance in Lakeland, at around $138 per month for full coverage.
Compare Car Insurance Rates in Lakeland, FL
Best cheap car insurance in Lakeland, FL
How we chose the top companies
Best and cheapest car insurance in Lakeland, FL
State Farm and Geico offer the best combination of affordable rates and reliable customer service in Lakeland.
- Cheapest full coverage: State Farm, $138/mo
- Cheapest minimum liability: Geico, $38/mo
- Cheapest for young drivers: Geico, $89/mo
- Cheapest after a ticket: State Farm, $149/mo
- Cheapest after an accident: State Farm, $161/mo
- Cheapest for teens after a ticket: Geico, $104/mo
- Cheapest after a DUI: Travelers, $263/mo
- Cheapest for poor credit: UAIC, $223/mo
Monthly rates are for full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Cheapest auto insurance in Lakeland, FL: State Farm
State Farm has the cheapest full coverage insurance in Lakeland.
A full coverage policy from State Farm costs $138 per month, on average. That's $118 per month less than the Lakeland average.
Compare Car Insurance Rates in Lakeland, FL
The average cost of car insurance in Lakeland, FL is $256 per month for a full coverage policy. That's $16 per month less than the Florida state average.
Cheapest full coverage car insurance in Lakeland
Company | Monthly rate | ||
|---|---|---|---|
| State Farm | $138 | |
| Travelers | $166 | |
| Geico | $168 | |
| UAIC | $223 | |
| Progressive | $272 | |
Cheapest liability insurance in Lakeland: Geico
Geico has the best rates for minimum coverage car insurance in Lakeland, at around $38 per month.
That's $56 per month less than the citywide average, which is $94 per month. State Farm is also a great choice, at around $42 per month.
Cheap minimum coverage auto insurance in Lakeland
Company | Monthly rate |
|---|---|
| Geico | $38 |
| State Farm | $42 |
| Travelers | $55 |
| Farmers | $110 |
| UAIC | $118 |
Compare Car Insurance Rates in Lakeland, FL
Cheapest car insurance in Lakeland for teens: Geico or State Farm
Geico has the cheapest minimum coverage insurance for teen drivers in Lakeland. A Geico policy costs around $89 per month for an 18-year-old. That's $150 per month less than the city average.
State Farm has the most affordable full coverage for Lakeland teens. At $392 per month, full coverage from State Farm costs a little more than half the Lakeland average.
Best cheap Lakeland auto insurance for teens
Company | Liability only | Full coverage |
|---|---|---|
| Geico | $89 | $431 |
| State Farm | $108 | $392 |
| Travelers | $117 | $421 |
| UAIC | $278 | $516 |
| Allstate | $327 | $1,207 |
Teen drivers in Lakeland pay two and a half to three times more for car insurance than older drivers. That's because teens have less driving experience, so they're more likely to make a mistake and cause a crash.
The best way for young drivers to save money on car insurance is by sharing a policy with their parents. A family policy is typically much cheaper than two separate policies.
Teens should also look for ways to get a discount by getting good grades, taking a defensive driving course or leaving your car at home while you're away at college.
Cheapest insurance in Lakeland after a speeding ticket: State Farm
State Farm has the cheapest quotes for Lakeland drivers with a recent speeding ticket. Full coverage from State Farm costs an average of $149 per month after one speeding ticket. That's half the average cost in Lakeland.
Company | Monthly rate |
|---|---|
| State Farm | $149 |
| Travelers | $203 |
| UAIC | $223 |
| Geico | $280 |
| Progressive | $362 |
A single speeding ticket raises Lakeland auto insurance quotes by around 19%. That's an average increase of $48 per month for full coverage insurance.
Best cheap car insurance in Lakeland after an accident: State Farm
State Farm offers the best rates in Lakeland after an at-fault car accident. A full coverage policy from State Farm costs around $161 per month after a crash, which is $213 per month less than average.
Company | Monthly rate |
|---|---|
| State Farm | $161 |
| Travelers | $224 |
| Geico | $229 |
| UAIC | $292 |
| Progressive | $403 |
Don't rush to change car insurance companies right after your accident. Your current company won't raise rates until your policy renews. However, any quotes you get will include your recent crash, so they'll probably be higher than your current rate.
Instead, wait until you get your renewal offer from your current company. Then, shop around for multiple quotes to find the best price for you.
Cheapest insurance in Lakeland for teens with a ticket or accident: Geico
Geico has the most affordable car insurance for teens with a bad driving record in Lakeland.
After a speeding ticket, minimum coverage from Geico costs $104 per month for an 18-year-old. That's $157 per month less than the Lakeland average.
Geico also has the cheapest rates after an accident. Minimum coverage from Geico costs just $91 per month after a crash, which is less than one-third the city average.
Best cheap minimum coverage for teens with a bad record
Company | Ticket | Accident |
|---|---|---|
| Geico | $104 | $91 |
| State Farm | $118 | $130 |
| Travelers | $142 | $162 |
| UAIC | $278 | $345 |
| Allstate | $327 | $638 |
Lakeland teens can expect their car insurance rates to go up by around 10% after one speeding ticket and 36% after an at-fault accident. Rates for teens typically increase less than those for older drivers because they're already considered high-risk drivers, even with a clean record.
Cheapest car insurance in Lakeland after a DUI: Travelers
Travelers has the most affordable full coverage insurance in Lakeland after a DUI, at $263 per month. That's $89 per month less than the city average, and $67 per month less than the second-cheapest company, Progressive.
Cheap car insurance quotes for Lakeland drivers with a DUI
Company | Monthly rate |
|---|---|
| Travelers | $263 |
| Progressive | $330 |
| Geico | $355 |
| UAIC | $398 |
| State Farm | $401 |
Drivers with a DUI pay around 38% more for full coverage insurance than those with a clean record.
This is partially because Florida requires these drivers to get FR-44 insurance, which has higher limits than the regular state requirement. Insurance companies also believe drivers with a DUI are more likely to cause an accident in the future, which makes them more expensive to insure.
Cheapest quotes for drivers with poor credit: UAIC
UAIC offers the lowest car insurance quotes for Lakeland drivers with poor credit. Full coverage from UAIC costs around $223 per month for these drivers, which is less than half the city average. It's also $89 per month less than the second-cheapest option, Geico.
Cheap car insurance in Lakeland for poor credit
Company | Monthly rate |
|---|---|
| UAIC | $223 |
| Geico | $312 |
| Travelers | $337 |
| Progressive | $421 |
| Farmers | $518 |
Drivers with a poor credit score pay 84% more for full coverage insurance in Lakeland than those with good credit.
If you don't drive much or are generally a safe driver, consider a safe driving program to help lower your rates. These programs give you a discount based on how well and how much you drive. Factors like your credit score count against you less.
Geico, State Farm, Progressive and Allstate offer usage-based programs or safe-driving discounts in Florida.
Average car insurance costs in Lakeland by neighborhood
Car insurance rates are fairly similar in most Lakeland neighborhoods.
The North Lakeland ZIP code of 33805 has the cheapest full coverage rates in the city, at around $245 per month. The 33812 ZIP code, located in the Southeast part of the city, has the highest rates in Lakeland. Drivers there pay an average of $250 per month.
Full coverage quotes by Laneland ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 33801 | $247 | 0% |
| 33803 | $247 | 0% |
| 33805 | $245 | -1% |
| 33809 | $246 | -1% |
| 33810 | $246 | 0% |
Frequently asked questions
How much is car insurance in Lakeland, Florida?
Full coverage car insurance costs an average of $256 per month in Lakeland. That's 6% less than the Florida state average of $272 per month.
Who has the cheapest car insurance in Lakeland, FL?
State Farm and Geico typically have the cheapest auto insurance quotes in Lakeland. State Farm is the cheapest company for full coverage ($138 per month), while Geico is the cheapest minimum coverage company ($38 per month).
What are the best auto insurance companies in Lakeland, Florida?
State Farm is the best Florida insurance company for most people in Lakeland. It offers cheap rates, reliable customer service and enough coverage for most drivers.
Methodology
To find the best cheap car insurance in Lakeland, FL, ValuePenguin editors gathered quotes from seven top companies across all residential ZIP codes in Lakeland. Rates are for a 30-year-old man with a good credit score and clean driving record who owns a 2015 Honda Civic EX.
Quotes are for a full coverage policy, which includes higher liability limits than the state requirement along with comprehensive and collision coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Personal injury protection: $10,000
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
Experts analyzed auto insurance rate data from publicly sourced company filings using Quadrant Information Services. Your actual quotes may vary based on your age, car, driving record and more.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.