GEICO offers Lakeland’s cheapest car insurance at $608 annually. State Farm, scoring 85 out of 100 with MoneyGeek, also ranks as the best for service and affordability.
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeeks Head of Insurance. He has been studying the insurance market for more than five years, doing his own research and making content that is specific to each type of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www. cnbc. com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do. html), [NBC News](https://www. nbcnews. com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable. com/article/tesla-insurance-rates). A bachelor’s degree from Boston College and a master’s degree in economics and international relations from Johns Hopkins University are what Fitzpatrick has to offer. He really wants to use his knowledge of insurance and economics to make financial topics clearer and help people feel good about the choices they make with their money.
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www. iii. org), a nonprofit research and education organization based in New York that works to help people understand insurance better, as a national insurance industry spokesperson for broadcast, digital, and print media. Friedlander was in charge of communications at Main Street America Insurance, Arthur Andersen LLP, and Prudential Financial before joining the III. Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC, and many more national and local news outlets have recently published his work or had him on their shows. Friedlander holds a bachelors degree in journalism and public relations from the Ohio State University.
Venus Zoleta has been writing about personal finance for over six years as a Senior Content Editor at MoneyGeek. She has written in-depth pieces for a top Philippine financial platform about credit cards, loans, insurance, and fintech. She also brings 20 years of experience in journalism, corporate communications and digital marketing. Zoleta holds a Bachelor of Arts degree in journalism from the University of the Philippines Diliman.
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeeks Head of Insurance. He has been studying the insurance market for more than five years, doing his own research and making content that is specific to each type of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www. cnbc. com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do. html), [NBC News](https://www. nbcnews. com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable. com/article/tesla-insurance-rates). A bachelor’s degree from Boston College and a master’s degree in economics and international relations from Johns Hopkins University are what Fitzpatrick has to offer. He really wants to use his knowledge of insurance and economics to make financial topics clearer and help people feel good about the choices they make with their money.
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www. iii. org), a nonprofit research and education organization based in New York that works to help people understand insurance better, as a national insurance industry spokesperson for broadcast, digital, and print media. Friedlander was in charge of communications at Main Street America Insurance, Arthur Andersen LLP, and Prudential Financial before joining the III. Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC, and many more national and local news outlets have recently published his work or had him on their shows. Friedlander holds a bachelors degree in journalism and public relations from the Ohio State University.
Venus Zoleta has been writing about personal finance for over six years as a Senior Content Editor at MoneyGeek. She has written in-depth pieces for a top Philippine financial platform about credit cards, loans, insurance, and fintech. She also brings 20 years of experience in journalism, corporate communications and digital marketing. Zoleta holds a Bachelor of Arts degree in journalism from the University of the Philippines Diliman.
Choosing the best car insurance in Lakeland, Florida, depends on your coverage needs, preferences and driver details. GEICO has the lowest rates for minimum coverage, while State Farm offers the most affordable full coverage. Nationwide charges competitive rates to families with teens. State Farm provides the best overall value, balancing cost and service. Mercury excels in customer service.
Why Trust MoneyGeek? We analyzed 127,836 quotes from nine companies in Florida. We also used six sources and our own research to find the cheapest companies in Lakeland and come up with a scoring system that only looks at ZIP codes in the city. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered, and financial stability.
Getting car insurance is a necessity for all drivers but finding the right policy at the best price can be tricky. Here in Lakeland, Florida drivers face high average car insurance rates, making it all the more important to shop around for quotes. By understanding what affects your auto insurance premiums and comparing quotes strategically, you can secure coverage at the lowest possible cost.
At Insurify, we want to help Lakeland drivers like you find the cheapest car insurance. We’ve analyzed rates across the city and have tips for getting the best deal. Keep reading for everything you need to know to get affordable car insurance quotes in Lakeland.
Average Cost of Car Insurance in Lakeland, FL
How much is car insurance in Lakeland? Drivers here pay average rates of:
- $179 per month for minimum liability coverage
- $248 per month for full coverage
These prices are well above national averages. Rates in Lakeland fall between the high costs of nearby metro areas like Tampa and Orlando. Still, Lakeland’s inland location and smaller population help keep rates lower than Florida’s coastal tourism hubs.
Car insurance costs can vary drastically based on your personal factors. Let’s look at what goes into determining your auto insurance premiums.
What Affects Your Car Insurance Rates in Lakeland
Auto insurance companies calculate your personalized rate based on risk factors like these:
Driving Record – Expect higher rates after accidents, traffic violations like speeding tickets, or serious infractions like DUIs. Maintaining a clean record saves you money.
Location – Your neighborhood and garage address influence rates. High-crime areas or regions prone to severe weather may increase costs.
Mileage – Drivers who rack up more miles face a higher risk of accidents. Lower mileage lowers your rates.
Vehicle – Insuring a sports car, luxury vehicle, or new car costs more than an old sedan. Collision and comprehensive coverage are especially pricey for costly vehicles.
Coverage Limits – Lower liability limits and higher deductibles reduce your monthly cost. But insufficient coverage could leave you on the hook after an accident.
Credit Score – Florida allows insurers to use credit-based scores to set rates. Good credit leads to lower prices.
Driving Habits – Insurers reward safe driving habits like avoiding frequent braking. Some offer usage-based programs to track your driving.
Discounts – Take advantage of every discount you qualify for to maximize savings. Ask insurers about options like good student, safe driver, payment in full, and more.
Now that you know what impacts premiums, let’s look at how to leverage that knowledge to find cheap car insurance quotes in Lakeland.
Comparing Quotes for Cheap Car Insurance in Lakeland
Shopping around and comparing quotes from multiple insurers is the best way to save money on car insurance. Here are tips for getting the lowest rates:
Compare quotes from at least 3 top insurers. Lead with large national companies like State Farm, GEICO, and Progressive that offer competitive pricing.
Get quotes every 6 months before renewal. Prices can change rapidly, so check for savings whenever your policy is up for renewal.
Adjust coverage to get cheaper rates. Consider tweaking liability limits or deductibles to lower costs, but avoid skimping too much.
Ask about discounts. Mention any discount programs you may qualify for to each insurer.
Check rates for the same coverage. Compare accurate quotes by keeping liability limits and deductibles equal.
Compare insurers’ customer service. An insurer with better service quality may be worth slightly higher prices.
Let’s look at the top picks for cheap car insurance quotes in the Lakeland area.
Cheapest Car Insurance Companies in Lakeland, FL
| Insurance Company | Starting Monthly Rate |
|---|---|
| State Farm | $65 |
| GEICO | $67 |
| Allstate | $113 |
Our analysis shows these as the most affordable options for minimum liability coverage in Lakeland, based on sample quote data. Still, your personal rates will depend on your driver profile.
Rather than guessing who will offer you the lowest price, use an online quote comparison tool. At Insurify, you can get personalized free quotes from top insurers with just some basic information about yourself and your vehicle. Comparing real-time quotes side-by-side takes the guesswork out of finding the cheapest rate.
How Insurify Can Help Find the Best Car Insurance
Spending hours calling individual insurers for quotes is frustrating and inefficient. With Insurify, you can compare accurate online quotes from top insurers in just minutes right from your device.
Our easy process makes finding cheap car insurance effortless:
- Enter your basic info like age, vehicle, and driving history.
- Receive personalized quotes from America’s top auto insurers.
- Compare your quotes side-by-side to identify the lowest rate.
- Pick the policy that gives you the right mix of price and coverage.
- Purchase your new policy directly through our site.
Insurify eliminates the legwork of calling around or using insurer websites. Our expansive partner network gives you access to rates from dozens of leading insurers without any hassle. Give it a try and find your lowest quote today!
Other Ways to Save on Lakeland Car Insurance
Beyond shopping quotes, there are a few other ways Lakeland drivers can save on their auto insurance:
- Ask about bundling discounts for adding renters, homeowners, or life insurance with your car policy
- Take a defensive driving course for a premium discount
- Raise deductibles for cost savings, but avoid setting them too high
- Drop optional coverages you don’t need for cheaper minimum liability insurance
- Maintain good credit since Florida allows credit-based insurance scores
- Inquire about low mileage discounts if you drive fewer than 5,000-7,000 miles annually
Finding the cheapest car insurance doesn’t have to be a chore. Follow our guide to compare free quotes and maximize savings on your next Lakeland auto insurance policy. With Insurify’s easy quote comparison tool, you can quickly view your options from top insurers and make an informed decision. Get started today and enjoy your lowest rates!
Florida’s Minimum Liability Requirements
State law requires these car insurance coverage minimums in Lakeland:
- $10,000 property damage liability per accident
- $10,000 personal injury protection per person
In Florida, if you cause an accident that hurts someone, the minimum coverage won’t apply because the law doesn’t require bodily injury liability. If costs exceed your policys property damage limit, you must pay the difference out of pocket. These are just the minimums – its wise to consider additional coverage for better protection.
Best Car Insurance in Lakeland: Summary
Choosing the right auto insurance involves considering priorities like service, cost and coverage. MoneyGeeks scoring system evaluates these factors to identify the top providers in Lakeland:
- Best overall: State Farm (MoneyGeek score 85 out of 100)
- Best for service: Mercury (MoneyGeek score 83 out of 100)
- Best cheap: State Farm (MoneyGeek score 86 out of 100)
State Farm excels in service quality and affordability, making it the top choice for budget-conscious drivers. Mercury is the highest-rated insurer for exceptional service and offers a top-tier customer experience.
10 Cheapest Car Insurance Companies in 2024
FAQ
Who has the cheapest car insurance in Florida?
Who typically has the cheapest car insurance?
How much is the average car insurance per month in Florida?
Why is Florida car insurance so high?
Can I get a car insurance quote in Lakeland Florida?
Don’t get caught driving without the required car insurance coverage. Freedom Insurance can help find you the cheapest car insurance in Lakeland, Florida. Get started with a quote online, visit us at a Lakeland office near you, or call us at (800) 777-5620 for a quote. Navigate Lakeland, FL car insurance rates wisely.
What is the cheapest car insurance in Lakeland?
Because of the high car insurance premiums in Florida, it’s important to shop around for the best rates. Policygenius can help you find the most affordable rates and the best car insurance coverage in Lakeland. State Farm has the cheapest car insurance in Lakeland, with average rates of $1,434 per year.
How do I choose the best car insurance in Lakeland?
Secure. Choosing the best car insurance in Lakeland, Florida, depends on your coverage needs, preferences and driver details. GEICO has the lowest rates for minimum coverage, while State Farm offers the most affordable full coverage. Nationwide charges competitive rates to families with teens.
What factors affect car insurance rates in Lakeland Florida?
Car insurance rates can vary based on factors like weather conditions, crime rates, ZIP code, and traffic volume in a city. Compared to drivers in other Florida cities, Lakeland drivers typically pay lower monthly car insurance premiums.