Cheapest Auto Insurance Quotes in Lakeland, Florida

Best cheap car insurance company in Lakeland

Cheapest car insurance in Lakeland: Geico

State Farm also offers a cheap premium of $133.

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Cheapest full-coverage car insurance in Lakeland

Cheapest liability insurance quotes in Lakeland: Geico

For state-minimum liability, Geico had the best rates, at $905 per year. That's roughly half the city's average of $2,154. State Farm took a close second, with $957.

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Cheapest car insurance in Lakeland, FL

Cheapest insurance for young drivers: Geico

Teen drivers face unreasonably high rates, especially in Florida, which already has high insurance costs. Teens pay more than $4,000 per year, even from the cheapest companies, Geico and State Farm. This continues until age 21, when you have more driving experience under your belt.

If you're a young driver, look for ways to get a discount, such as getting good grades, taking a defensive driving course or leaving your car at home while you're away at college.

Cheapest insurance for young Lakeland drivers

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Cheapest car insurance after a speeding ticket: State Farm

With a speeding ticket on your record, you can get insurance from State Farm for $145 per month. Geico is also an option, with a rate of $221.

Cheapest car insurance after an accident: State Farm

State Farm ($157) and Geico ($179) offer the best rates if you've been at fault for a car accident.

Cheapest car insurance for drivers with a DUI: State Farm

Expect to pay about 28% more for car insurance in Lakeland if you have a DUI on your record. State Farm will cover you for $145 per year, while Geico could set you back $233. The good news is that State Farm, Geico, Progressive and Allstate can all help you file for a Florida FR-44, which is proof that you meet the state's minimum car insurance requirements after a DUI or DWI.

Cheapest car insurance for Lakeland drivers with a DUI

Cheapest car insurance for drivers with poor credit: Geico

As with your location or the car you drive, your credit score may affect your rates. You can expect to pay 18% more in Lakeland if you have poor credit. Geico and State Farm offer the best rates for drivers with poor credit, with both under $1,300 per year.

Cheapest car insurance for poor credit

If you don't drive much or are generally a safe driver, consider telematics insurance to help you save. With this type of car insurance, your rate is based primarily on how well and how much you drive. Factors like your credit score count against you less. Geico, State Farm, Progressive and Allstate offer usage-based programs or safe-driving discounts in Florida.

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Cheapest insurance for married drivers: Geico

Like most insurance companies, Geico offers married drivers cheaper rates — only $1,533 per year. State Farm also offers a big discount, with an annual rate of $1,598.

Married drivers in Lakeland typically save an average of 5% on car insurance, because statistics show married people are safer drivers and have fewer claims and crashes. If you and your spouse both have cars, consider insuring all your cars under the same policy to save even more.

Best auto insurance companies in Lakeland

According to a ValuePenguin survey, Allstate was one of the best Florida car insurance companies, but their rates are pricey for Lakeland drivers. Both Geico and State Farm ranked in the middle of the pack for customer satisfaction in Florida, so it's worth getting quotes from both.

Average car insurance costs in Lakeland by neighborhood

Your city and neighborhood help determine your risk and rates. Car insurance rates in most Lakeland neighborhoods hover around $2,900 per year for full coverage.

Auto theft statistics in Lakeland

According to the FBI 2018 Florida Crime Report, Lakeland has a below-average motor vehicle theft rate of 19 thefts per 10,000 residents. That's just below the state average of 23. About 200 cars are stolen per year in the city, far below the 296 state average.

Recap of the cheapest auto insurance in Lakeland

Methodology

Average full-coverage rates from top insurance companies in Lakeland, Florida, were compared for a 30-year-old driver with a clean driving record who drives a 2015 Honda Civic EX (unless otherwise noted).

The full-coverage policy included:

Experts analyzed auto insurance rate data from publicly sourced company filings using Quadrant Information Services. Your actual quotes may vary based on your age, car, driving record and more.

Sources

FBI 2018 Florida Crime Report