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Get Cheap Car Insurance in Lakeland, FL
We monitor insurance prices, helping the average driver in the Lakeland area save up to 34.6% on car insurance.
The Cheapest Minimum Coverage in Lakeland
The chart below shows the cheapest car insurance company in Lakeland for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Geico, followed by State Farm, Gainsco, and Bristol West.
| Lakeland Insurer | Monthly Cost |
|---|---|
| Geico | $121 |
| State Farm | $129 |
| Gainsco | $168 |
| Bristol West | $168 |
Savings for Every Kind of Lakeland Driver
Based on our extensive insurance data, we know the average Lakeland driver will save about 29% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $744 per year by choosing the right vehicle insurance company. Some Lakeland residents are paying out over $2,544 extra every year for auto insurance in Lakeland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lakeland, FL Savings / Yr. |
|---|---|
$744 |
|
$1,093 |
|
$841 |
|
$832 |
|
$2,643 |
|
$722 |
|
$1,053 |
Lakeland Car Insurance vs. Florida
People living in Lakeland pay an average of 3.70% less than the typical driver in the state. The average driver in Lakeland can expect to pay about $2,323 per year, or $2,544 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Lakeland for most people.
Car Insurance Prices by Lakeland Neighborhood
Insurance Prices
Where is insurance cheapest within Lakeland?
The map shows insurance prices in and around Lakeland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $643 per year within the city boundaries, with insurance premiums ranging from a high of $2,976 to a low of $2,333. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Lakeland.Pick the Best Car Insurance Company for You in Lakeland
The best car insurance provider for most drivers in Lakeland
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $744 over the average Lakeland car insurance company.
The best car insurance provider for Lakeland drivers with accidents on their records
In our analysis, Geico saved the average person who had been in an accident the most, with annual savings averaging $1,093 over the competition.
The best car insurance company for Lakeland drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $841 better than other car insurance companies.
The best auto insurance for Lakeland drivers with a DUI conviction
Getting a quote from Geico may cost the average person with a DUI about $832 less each year.
The least expensive car insurance company for new and young drivers in Lakeland
In Lakeland, Geico costs young drivers $2,643 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lakeland
Geico gave the largest car insurance discounts to married couples, averaging $722 saved each year compared to an average Lakeland couple's premiums.
The cheapest car insurance in Lakeland for drivers with bad credit
The best Lakeland car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lakeland
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lakeland driver can expect to pay about $156 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Lakeland, USAA has the best prices for good drivers, drivers with accidents, and drivers with speeding tickets.Auto Insurance Prices in and Around Lakeland
What Influences the Cost of Car Insurance in Lakeland?
On average, car insurance in Lakeland is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Lakeland area is 35 minutes, which is about the national average for a driver in the state.
- Florida state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Lakeland area are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Lakeland is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Lakeland is $194 per month for minimum coverage and $212 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Crystal Lake: Insurance costs 2.99% more
- Youmans: Insurance costs 2.00% less
- Fussels Corner: Insurance costs 3.62% less
- Lakeland Highlands: Insurance costs 4.01% less
- Coronet: Insurance costs 2.04% more
- Kossuthville: Insurance costs 6.68% less
- Highland City: Insurance costs 3.34% less
- Fuller Heights: Insurance costs 1.97% less
- Auburndale: Insurance costs 1.10% more
- Mulberry: Insurance costs 2.20% more
Cities with Similar Populations
- Jackson: Insurance costs 43.95% less
- Jacksonville: Insurance costs 0.47% more
- Jersey City: Insurance costs 5.27% less
- Jacksonville: Insurance costs 51.73% less
- Independence: Insurance costs 24.80% less
- Henderson: Insurance costs 6.13% less
- Hemet: Insurance costs 14.78% less
- Highland: Insurance costs 13.05% less
- Hattiesburg: Insurance costs 32.47% less
- Harrisburg: Insurance costs 48.58% less