Buy Cheap Lakeland, FL Auto Insurance (2021)

Lakeland, FL auto insurance rates average $363 a month. Minimum auto insurance requirements in Lakeland, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Lakeland, FL, compare Lakeland auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Lakeland after a DUI is Allstate
  • Average auto insurance rates in Lakeland, FL for teens drivers are $7,765/year
  • Average auto insurance rates in Lakeland, FL are $363/month

Finding affordable Lakeland, Florida auto insurance can be challenging, but everything you need to know to buy cheap Lakeland, FL auto insurance with confidence is right here. Auto insurance rates in Lakeland are affected by local factors as well as personal ones like your driving record.

See how Lakeland, FL car insurance rates compare to Orlando auto insurance rates, Tallahassee auto insurance rates, and Miami auto insurance rates before you read more about the cost of auto insurance in Lakeland.

Don’t buy Lakeland, FL auto insurance until you’ve compared rates. Get free Lakeland, Florida auto insurance quotes when you enter your ZIP code above.

Lakeland, FL Minimum Auto Insurance Requirements

The required auto insurance in Lakeland, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Lakeland, Florida is outlined here.

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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Find Cheap Lakeland, FL Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lakeland, FL. Take a look at Lakeland, Florida auto insurance rates by credit history.

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

Buy Cheap Lakeland, FL Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lakeland, Florida auto insurance rates? Find out how car insurance rates in Lakeland, FL are impacted by demographics.

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

Buy Cheap Lakeland, FL Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lakeland can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lakeland, FL are listed here.

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

Buy Cheap Lakeland, FL Auto Insurance for Seniors

You can save on senior auto insurance rates in Lakeland, Florida by comparing Lakeland senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lakeland, FL here.

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

Find Cheap Auto Insurance Rates in Lakeland, FL by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lakeland, Florida auto insurance. Compare Lakeland, FL 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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Find Cheap Lakeland, FL Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lakeland. Compare auto insurance rates in Lakeland, FL by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lakeland, Florida

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Lakeland, FL Auto Insurance Rates by ZIP Code

Auto insurance rates in Lakeland, Florida can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lakeland, FL to see how much where you live in Lakeland affects the cost of car insurance.

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

Find Cheap Lakeland, FL Auto Insurance Rates by Driving Record

Auto insurance rates in Lakeland, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lakeland, FL, take a look at the average cost for various violations versus rates for a clean driving record in Lakeland.

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

Find Cheap Lakeland, FL Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lakeland, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Lakeland for less when you shop around and compare rates from multiple Lakeland, FL auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Lakeland, FL

Compare rates from the cheapest auto insurance companies in Lakeland, FL for your needs. Take a look at how Lakeland, Florida auto insurance companies stack up for each category.

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

Find Cheap Lakeland, Florida Auto Insurance Companies

If you’re looking for the cheapest Lakeland, FL auto insurance companies overall, you can compare them here. Find the best price for Lakeland, Florida car insurance by company.

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 Lakeland, Florida auto insurance rates?

Local factors affect auto insurance rates in Lakeland, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Lakeland auto insurance rates.

Auto Theft in Lakeland

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lakeland, FL auto theft show a total of 203 vehicle thefts annually.

Commute Times in Lakeland

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lakeland, FL is 22.3 minutes according to City-Data.

Traffic in Lakeland

How is traffic in Lakeland, Florida? Inrix data shows that Lakeland, FL traffic makes it the 497th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Lakeland, FL

You can buy cheap Lakeland, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lakeland, Florida auto insurance quotes from top companies.

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