Lakeland, FL Car Insurance

How Much Does Car Insurance Cost in Lakeland?

Lakeland’s average car insurance rate monthly is $189. It is substantially cheaper than the state’s average rate of $191 and the nation’s average of $128. However, every driver acquires a unique car insurance rate depending on their driving record. Several factors insurers evaluate when calculating your car insurance rate. Your marital status, driving history, credit tier, age, and location are the most common aspects that influence your annual car insurance cost in Lakeland.

If you wish to earn savings on your car insurance, comparing the rates of several companies will help you determine the one that best fits your driving history. Thus, extensively comparing different policies that are parallel to your location, age, driving history, credit tier, and marital status will help you save a lot on your car insurance premiums in Lakeland.

Lakeland Car Insurance Costs by Company

Every car insurance company in Lakeland offers diverse policies and rates. State Farm offers the most competitive car insurance price in Lakeland with an average rate of $1,444 annually. If you maintain a clean driving history, it is likely for your car insurance rates to stay on the average scale.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,444$120
GEICO$2,057$171
MetLife$2,222$185
Progressive$2,637$220
Allstate$2,874$240

Florida Cheapest Car Insurance Rates For Minimum Coverage

If you are looking for an insurance company in Florida that offers the cheapest car insurance cost, there are several companies that provide minimum car insurance coverage at a competitive price. State Farm by far offers the best deal when it comes to purchasing car insurance with minimum coverage.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,528$211
GEICO$3,206$267
Direct Auto$3,266$272
Allstate$3,911$326
MetLife$5,222$435

Lakeland Auto Insurance Rates by Age Bracket

Your age greatly influences your car insurance rates in Lakeland. Drivers in Lakeland within the age range of fifty to sixty pay cheaper auto insurance premiums compared to other age groups. Teenagers, however, pay the highest car insurance in Lakeland. On a brighter note, when teens reach the age of 20, a big amount of decrease in their premiums will apply immediately.

Lakeland Car Insurance Rates Per Age Group

Age GroupAnnual RateMonthly Rate
Teenagers$6,233$519
20s$2,801$233
30s$2,187$182
40s$2,133$178
50s$2,001$167
60s$2,044$170
70s$2,501$208

Florida Cheapest Full Coverage Insurance Rates For Young Drivers With Clean Driving History

In Florida, teen drivers are considered high-risk drivers. That is why they pay the most expensive car insurance rates in Florida. But, if you are a young driver without any driving violation, several auto insurance companies in Florida that provide less expensive premiums.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,001$167
GEICO$2,487$207
MetLife$2,877$240
Allstate$3,922$327
Direct Auto$3,201$267

Lakeland Car Insurance Premiums By Gender and Marital Status

Your marital status and gender are other aspects that impact your car insurance rate in Lakeland. Married couples and widowed drivers in Lakeland usually pay relatively cheaper rates compared to other marital statuses. While married couples are considered responsible drivers compared to single drivers, their gender also affects their overall auto insurance premiums. Thus, females pay more than males for car insurance in Lakeland.

Lakeland Car Insurance Premiums by Marital Status and Gender

Marital Status/GenderAnnual RateMonthly Rate
Male$2,190$182
Female$2,235$186
Single$2,098$175
Married$2,098$175
Divorced$2,190$182
Widowed$2,144$179

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Florida Cheapest Car Insurance Rates For Married Couples

As was mentioned, married couples pay cheaper car insurance rates in Florida. Married couples are considered financially stable and low-risk drivers. Thus, they are given cheaper car insurance rates in Florida. MetLife by far offers the cheapest auto insurance rates for married couples.

Insurance CompanyAnnual RateMonthly Rate
MetLife$2,374$198
State Farm$2,721$227
GEICO$3,022$252
Direct Auto$3,233$269
Allstate$3,333$278

Lakeland Auto Insurance Rates After an Accident or Violation

Maintaining a good driver profile will substantially help in minimizing your Lakeland car insurance costs. One at-fault accident can cause your premiums to significantly increase. Even acquiring speeding tickets, and reckless driving citations are considered a risk. Thus, maintaining a good driving record in Lakeland will keep your premiums low and close to the average of $189 monthly.

Lakeland Car Insurance Rates For High-Risk Drivers

Driving ViolationAnnual RateMonthly Rate
DUI/DWI$3,284$274
Reckless Driving$3,388$282
At-Fault Accident (less than $1000 damages)$3,030$253
At-Fault Accident (more than $1000 damages)$3,030$253
Speeding Ticket$2,767$231

Florida Average Auto Insurance Costs With One At-Fault Accident

Typically, one at-fault accident will increase your car insurance rates in Florida. Depending on the value of the damages caused, drivers who have been in at least one at-fault accident will carry more expensive auto insurance rates in Florida. However, there are car insurance companies that offer cheap premiums to high-risk drivers.

Insurance CompanyAnnual RateMonthly Rate
State Farm$2,033$169
GEICO$2,821$239
MetLife$3,237$270
Direct Auto$3,411$284
Allstate$3,962$330

Florida Average Car Insurance Rate After A Ticket

Receiving a speeding ticket is a serious offense in the state of Florida. The state takes road safety seriously; thus drivers will pay more on their auto insurance premiums after a ticket. However, some insurance companies around the state provide cheap car insurance premiums to reckless drivers in Florida.

Insurance CompanyAnnual RateMonthly Rate
State Farm$1,902$159
GEICO$2,955$246
MetLife$2,721$227
Direct Auto$3,163$264
Allstate$2,811$234

Lakeland Auto Insurance Rates by Credit Tier

Your credit score can also affect your car insurance rate. It is another factor Lakeland auto insurance companies look at when calculating your auto insurance costs. Building your credit from Very Poor to Exceptional will give you savings up to 59% annually on your car insurance rates. Hence, keeping a good credit score is one way for your rates to stay on the average in Lakeland.

Lakeland Car Insurance Premiums by Credit Tier

Credit LevelAnnual RateMonthly Rate
Very Poor$4,333$361
Fair$2,688$224
Good$2,188$168
Very Good$1,981$165
Exceptional$1,755$135

Florida Average Car Insurance Rates by Poor Credit with Minimum Coverage

Several car insurance companies in Florida provide cheap premiums for drivers with poor credit who want to purchase car insurance with minimum coverage. State Farm offers the cheapest car insurance rates with minimum coverage in Florida.

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Insurance CompanyAnnual RateMonthly Rate
State Farm$1,989$166
GEICO$1,955$163
United Auto$2,671$223
Direct Auto$1,298$108
Allstate$2,244$187

Florida Average Car Insurance Rates For Good Drivers With Poor Credit

Your credit score is one of the aspects that impact your car insurance rates in Florida. Having a poor credit score can increase your car insurance premiums. However, if you are a good driver with poor credit, there are several car insurance companies in Florida that offer cheap coverage despite the poor credit tier.

Insurance CompanyAnnual RateMonthly Rate
Direct Auto$2,528$211
United Auto$3,206$267
State Farm$3,266$272
GEICO$3,911$326
Allstate$5,222$435

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Lakeland Car Insurance FAQs

  • Is there a car insurance company in Lakeland that offer discounts when insuring multiple collectible auto?

    Yes. Some auto insurance companies in Lakeland offer coverage for collectible cars and generously give discounts for purchasing multiple antique auto coverage.

  • What data do car insurance companies use when using the Risk Assessment Indicator?

    Typically, they account for your credit history, late payments, and other monetary violations.

  • How can I better my Risk Assessment Indicator results?

    You can substantially improve your RAI by responsibly paying your policy on time and keeping a good credit level. 

  • How much car insurance coverage does the state of Florida require?

    Every state has its own policies and regulations for car insurance coverages. However, Lakeland only requires a minimum amount of liability insurance.

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