Best Lakeland, Florida Auto Insurance in 2025
The average Lakeland, FL auto insurance rates are $363 per month. The minimum auto insurance in Lakeland is at least 10/20/10 in coverage to comply with Florida auto insurance laws. To find the best cheap auto insurance in Lakeland, Florida, compare quotes from multiple companies.
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Updated September 2024
- The most expensive auto insurance company in Lakeland for teen drivers is Allstate
- The average commute length in Lakeland is 22.3 minutes
- The cheapest auto insurance company in Lakeland is USAA
Lakeland, Florida auto insurance requirements are 10/20/10 according to Florida auto insurance laws. Finding cheap auto insurance in Lakeland can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Lakeland, Florida, including driving record, credit, commute time, and more.
Compare auto insurance in Lakeland to other Florida cities, including Jacksonville auto insurance rates, Tallahassee auto insurance rates, and Hialeah auto insurance rates to see how Lakeland, Florida auto insurance rates stack up.
Before you buy Lakeland, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Lakeland, Florida auto insurance quotes.
Minimum Auto Insurance in Lakeland, Florida
Lakeland, Florida auto insurance laws require that you have at least the Florida minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Lakeland, Florida.
Minimum Required Auto Insurance Coverage in Lakeland, Florida
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Cheap Lakeland, Florida Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Lakeland, Florida are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lakeland, Florida
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,080 | $3,869 | $3,525 | $3,571 | $14,073 | $15,140 | $4,065 | $4,111 |
| Geico | $3,062 | $3,072 | $2,872 | $2,872 | $5,521 | $6,954 | $3,373 | $3,422 |
| Liberty Mutual | $3,404 | $3,404 | $3,119 | $3,119 | $7,172 | $11,039 | $3,404 | $4,607 |
| Nationwide | $2,784 | $2,747 | $2,486 | $2,572 | $6,653 | $8,184 | $3,062 | $3,183 |
| Progressive | $3,551 | $3,346 | $3,043 | $3,261 | $9,942 | $10,840 | $4,268 | $4,089 |
| State Farm | $1,893 | $1,893 | $1,717 | $1,717 | $5,248 | $6,758 | $2,100 | $2,240 |
| USAA | $1,671 | $1,642 | $1,564 | $1,549 | $5,746 | $6,671 | $2,084 | $2,247 |
Cheap Lakeland, Florida Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Lakeland, Florida is a challenge. Take a look at the annual teen auto insurance rates in Lakeland, Florida.
Annual Auto Insurance Rates for Teen Drivers in Lakeland, Florida
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,073 | $15,140 |
| Geico | $5,521 | $6,954 |
| Liberty Mutual | $7,172 | $11,039 |
| Nationwide | $6,653 | $8,184 |
| Progressive | $9,942 | $10,840 |
| State Farm | $5,248 | $6,758 |
| USAA | $5,746 | $6,671 |
Cheap Lakeland, Florida Auto Insurance for Seniors
What are senior auto insurance rates in Lakeland, Florida? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Lakeland, Florida
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,525 | $3,571 |
| Geico | $2,872 | $2,872 |
| Liberty Mutual | $3,119 | $3,119 |
| Nationwide | $2,486 | $2,572 |
| Progressive | $3,043 | $3,261 |
| State Farm | $1,717 | $1,717 |
| USAA | $1,564 | $1,549 |
Cheap Lakeland, Florida Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Lakeland, Florida compared to the annual auto insurance rates with a clean record in Lakeland, Florida.
Annual Lakeland, Florida Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,644 | $6,770 | $7,531 | $6,273 |
| Geico | $2,703 | $3,463 | $5,169 | $4,238 |
| Liberty Mutual | $3,552 | $4,599 | $6,649 | $4,834 |
| Nationwide | $3,383 | $3,711 | $4,987 | $3,755 |
| Progressive | $4,179 | $6,181 | $5,200 | $5,610 |
| State Farm | $2,695 | $3,196 | $2,946 | $2,946 |
| USAA | $2,265 | $2,799 | $4,148 | $2,375 |
Cheap Lakeland, Florida Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Lakeland, Florida is not easy. Compare the annual rates for DUI auto insurance in Lakeland, Florida to find the best deal.
Annual Auto Insurance Rates After a DUI in Lakeland, Florida
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,531 |
| Geico | $5,169 |
| Liberty Mutual | $6,649 |
| Nationwide | $4,987 |
| Progressive | $5,200 |
| State Farm | $2,946 |
| USAA | $4,148 |
Cheap Lakeland, Florida Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Lakeland, Florida annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Lakeland, Florida
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,121 | $5,812 | $4,730 |
| Geico | $5,689 | $3,427 | $2,564 |
| Liberty Mutual | $6,319 | $4,641 | $3,765 |
| Nationwide | $4,957 | $3,635 | $3,285 |
| Progressive | $6,903 | $4,898 | $4,077 |
| State Farm | $4,021 | $2,644 | $2,172 |
| USAA | $4,700 | $2,310 | $1,681 |
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Cheap Lakeland, Florida Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Lakeland, Florida can vary. Compare the annual cost of auto insurance by ZIP code in Lakeland, Florida to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Lakeland, Florida
| ZIP Code | Average Annual Rates |
|---|---|
| 33803 | $3,356 |
| 33805 | $3,344 |
| 33809 | $3,342 |
| 33810 | $3,344 |
| 33811 | $3,356 |
| 33812 | $3,396 |
| 33813 | $3,356 |
| 33815 | $3,343 |
Cheap Lakeland, Florida Auto Insurance Rates By Commute
Commute length and annual mileage affect Lakeland, Florida auto insurance. Find the cheapest annual Lakeland, Florida auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Lakeland, Florida
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,369 | $6,740 |
| Geico | $3,874 | $3,912 |
| Liberty Mutual | $4,750 | $5,067 |
| Nationwide | $3,959 | $3,959 |
| Progressive | $5,293 | $5,293 |
| State Farm | $2,844 | $3,048 |
| USAA | $2,864 | $2,930 |
Cheap Lakeland, Florida Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Lakeland, Florida? Check out the comparison of annual Lakeland, Florida auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Lakeland, Florida
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,359 | $6,826 | $7,478 |
| Geico | $3,114 | $4,044 | $4,522 |
| Liberty Mutual | $4,517 | $4,982 | $5,226 |
| Nationwide | $3,134 | $4,114 | $4,628 |
| Progressive | $4,502 | $5,407 | $5,969 |
| State Farm | $2,510 | $3,018 | $3,309 |
| USAA | $2,466 | $3,009 | $3,216 |
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Best By Category: Cheapest Auto Insurance in Lakeland, Florida
Compare the cheapest auto insurance companies in Lakeland, Florida in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Lakeland, Florida
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Lakeland, Florida Auto Insurance Companies
What auto insurance companies in Lakeland, Florida are the cheapest? Compare the top Lakeland, Florida auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Lakeland, Florida
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,554 |
| Geico | $3,893 |
| Liberty Mutual | $4,908 |
| Nationwide | $3,959 |
| Progressive | $5,293 |
| State Farm | $2,946 |
| USAA | $2,897 |
What affects auto insurance rates in Lakeland, Florida?
There are a lot of reasons why auto insurance rates in Lakeland, Florida are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Lakeland, Florida. Many local factors may affect your Lakeland auto insurance rates.
Lakeland Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Lakeland, Florida auto theft statistics, there have been 203 auto thefts in the city.
Lakeland Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lakeland, Florida commute length is 22.3 minutes according to City-Data.
Lakeland Traffic
How does Lakeland, Florida rank for traffic? According to Inrix Lakeland, Florida is the 497th most congested worldwide.
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Compare Lakeland, Florida Auto Insurance Quotes
Before you buy Lakeland, Florida auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Lakeland, Florida auto insurance quotes.
Frequently Asked Questions
Is auto insurance mandatory in Lakeland, FL?
Yes, auto insurance is mandatory in Lakeland, FL, as it is in most states. Florida law requires all drivers to carry a minimum amount of liability insurance to cover injuries or damages caused to others in an accident.
What is the minimum auto insurance coverage required in Lakeland, FL?
In Florida, the minimum auto insurance coverage required includes Personal Injury Protection (PIP) coverage of $10,000 and Property Damage Liability (PDL) coverage of $10,000.
What factors can affect my auto insurance rates in Lakeland, FL?
Several factors can impact your auto insurance rates in Lakeland, FL. These factors include your driving history, age, gender, marital status, type of vehicle, credit score, and the coverage options you choose. Additionally, local factors such as the rate of accidents and crime in your area can also influence your rates.
Can I use my personal auto insurance for business purposes in Lakeland, FL?
Generally, personal auto insurance policies do not cover vehicles used for business purposes. If you use your vehicle for business activities, such as making deliveries or transporting clients, you may need a separate commercial auto insurance policy to ensure proper coverage.
Are there any discounts available for auto insurance in Lakeland, FL?
Yes, many insurance companies offer various discounts that can help lower your auto insurance premiums. Common discounts include safe driver discounts, multi-vehicle discounts, bundling auto and home insurance, good student discounts, and discounts for installing anti-theft devices or safety features in your vehicle.
What should I do after a car accident in Lakeland, FL?
After a car accident in Lakeland, FL, you should prioritize your safety and the safety of others involved. Call emergency services if necessary and exchange information with the other driver(s) involved. It’s important to report the accident to your insurance company as soon as possible and cooperate fully with their claims process.
Can I choose any auto repair shop for repairs after an accident in Lakeland, FL?
In most cases, you have the right to choose any auto repair shop you prefer for repairs after an accident in Lakeland, FL. However, if you have chosen a repair shop that charges rates significantly higher than the prevailing market rates, your insurance company may only cover the reasonable costs of repairs.
Can my auto insurance policy be canceled in Lakeland, FL?
Yes, auto insurance policies can be canceled in Lakeland, FL, under certain circumstances. Insurance companies may cancel a policy for reasons such as non-payment of premiums, misrepresentation of information, or a suspended driver’s license. It’s important to maintain a good driving record and pay your premiums on time to avoid policy cancellations.
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