Lakeland, FL Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Lakeland.
How much does car insurance cost in Lakeland?
The average cost of car insurance in Lakeland, Florida, is $1,099 every six months. That's less expensive than the statewide average in Florida ($1,154) and more costly than the national average of $880. Keep reading to learn more about how much you can expect to pay based on your age, credit score, and other factors in Lakeland. Read on to learn more!
| Car insurance in Lakeland vs. Florida | Average 6 Mo. Premium |
|---|---|
| Lakeland average | $1,099 |
| Florida average | $1,154 |
The Zebra's key takeaways about car insurance in Lakeland:
- The average cost of a car insurance policy in Lakeland is $1,099 per six-month policy — $183 per month.
- The cheapest company in Lakeland is State Farm ($726).
- 44% of Zebra customers in Lakeland stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Lakeland car insurance rates by company
One of the best ways to save on auto insurance is to compare rates from multiple companies and choose the auto insurer that best fits your coverage needs. In Lakeland, State Farm offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Lakeland — but don't forget to get car insurance quotes based on your unique driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| State Farm | $726 |
| GEICO | $1,034 |
| Progressive | $1,320 |
| Allstate | $1,447 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Lakeland.
Lakeland auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 23% of Lakeland drivers. Lakeland drivers in their 50s pay relatively affordable car insurance rates just $1,004 every six months on average. Those in their 60s don't pay significantly more ($1,027).
Teenage drivers aged 16 to 19 pay the most for car insurance in Lakeland. When drivers hit their 20s in Lakeland and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Lakeland is $3,439, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $3,124 |
| 20s | $1,405 |
| 30s | $1,095 |
| 40s | $1,073 |
| 50s | $1,004 |
| 60s | $1,027 |
| 70s | $1,255 |
Lakeland car insurance rates by credit score
Credit score is often closely correlated with car insurance costs. In Lakeland, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 59% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Lakeland, improving your credit to "Fair" corresponds with a $823 decrease in six-month car insurance rates. Our data tells us 33% of drivers in Lakeland have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $2,172 |
| Fair | $1,348 |
| Good | $1,099 |
| Very Good | $996 |
| Exceptional | $883 |
Lakeland car insurance costs by violation
Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Lakeland drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,201 per year versus the city average. A ticket for speeding results in a $579 rate hike while a DWI or DUI violation costs $1,095 per year in extra insurance expenditures.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DWI/DUI | $1,646 |
| Reckless Driving | $1,699 |
| At-fault Accident (damages less than $1,000) | $1,520 |
| At-fault Accident (damages > $2,000) | $1,520 |
| Speeding Ticket (16-20 mph over speed limit) | $1,389 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.