Cheapest car insurance in Lakeland, FL
State Farm has the most cost-effective minimum car insurance in Lakeland, with an average price of $65 each month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cheapest car insurance in Lakeland, FL, isn’t always the same—rates can differ quite a bit.
When it comes to low-cost liability-only insurance, State Farm is the top choice. GEICO offers the best full coverage rates, and young drivers will find the cheapest options with Safeco.
Cheapest Car Insurance Companies In Lakeland, FL 2025
Cheapest Liability-only Car Insurance In Lakeland: State Farm
State Farm has the most affordable minimum car insurance in Lakeland, costing about $65 each month on average.
Compare insurance rates from different providers by reviewing the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $65 | $780 |
| Allstate | $113 | $1,356 |
| GEICO | $69 | $828 |
| Mercury | $151 | $1,812 |
| Progressive | $170 | $2,040 |
Cheapest Full Coverage Insurance Rates In Lakeland: GEICO
GEICO stands out as the most affordable option for full coverage in Lakeland, with quotes averaging $85 per month.
This table presents a comparison of affordable car insurance quotes in Lakeland.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $85 | $1,020 |
| Travelers | $170 | $2,040 |
| Progressive | $252 | $3,024 |
| Allstate | $144 | $1,728 |
| National General | $255 | $3,060 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm stands out as the most affordable option for senior drivers in Lakeland, with rates averaging $102 per month.
Check out the table below to compare average rates from low-cost auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $102 | $1,224 |
| Liberty Mutual | $124 | $1,488 |
| Direct Auto | $120 | $1,440 |
| Mercury | $163 | $1,956 |
| Safeco | $125 | $1,500 |
Cheapest Rates In Lakeland For Teenagers: 21st Century
21st Century has the most affordable car insurance for teenage drivers in Lakeland, with premiums averaging $218 a month.
Check out the table below to see which companies offer the lowest insurance rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| 21st Century | $218 | $2,616 |
| Direct Auto | $247 | $2,964 |
| State Farm | $230 | $2,760 |
| AIG | $421 | $5,052 |
| Unitrin | $322 | $3,864 |
Cheapest Auto Insurance For Young Adults in Lakeland: Safeco
Safeco is the most budget-friendly option for young adults in Lakeland, with insurance rates averaging $78 a month.
Below is a table that compares the most affordable auto insurance providers for young adults in Lakeland.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $78 | $936 |
| State Farm | $157 | $1,884 |
| Liberty Mutual | $138 | $1,656 |
| 21st Century | $190 | $2,280 |
| Mercury | $177 | $2,124 |
Cheapest Car Insurance In Lakeland For Good Drivers: State Farm
State Farm has the most affordable car insurance for safe drivers in Lakeland, with premiums averaging $65 a month.
If you’re a responsible driver, the table below will help you compare quotes from low-cost insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $65 | $780 |
| Allstate | $113 | $1,356 |
| GEICO | $69 | $828 |
| Mercury | $151 | $1,812 |
| Progressive | $170 | $2,040 |
Find affordable Lakeland rates
Cheapest Car Insurance In Lakeland After A Speeding Ticket: State Farm
Among insurance providers in Lakeland, State Farm stands out with low rates of $150 per month for drivers who have a speeding violation.
The following table highlights average insurance quotes for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $150 | $936 |
| Allstate | $449 | $1,884 |
| GEICO | $281 | $1,656 |
| Travelers | $204 | $2,280 |
| Progressive | $364 | $2,124 |
Cheapest For Drivers With After At-Fault Accident: State Farm
At $162 per month on average, State Farm has the most budget-friendly car insurance for drivers with an at-fault incident.
These insurers offer budget-friendly car insurance for drivers with an at-fault accident in their history.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $162 | $1,944 |
| GEICO | $231 | $2,772 |
| Travelers | $226 | $2,712 |
| Progressive | $405 | $4,860 |
| Farmers | $540 | $6,480 |
Cheapest Rates In Lakeland For Drivers After A DUI: Travelers
Travelers stands out as the cheapest insurance provider for drivers with a DUI, offering an average rate of $265 per month in Lakeland.
Drivers in Lakeland with a DUI can use the table below to find the most cost-effective insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $265 | $3,180 |
| Allstate | $635 | $7,620 |
| GEICO | $356 | $4,272 |
| Progressive | $332 | $3,984 |
| State Farm | $405 | $4,860 |
Best Car Insurance Companies In Lakeland
Lakeland residents can find the lowest insurance rates with State Farm at $65 per month, while GEICO and Allstate offer competitive alternatives at $69 and $113.
Below, you’ll find the top 10 car insurance providers in Lakeland, FL, ranked by their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $65 |
| Allstate | $113 |
| GEICO | $69 |
| Mercury | $151 |
| Progressive | $170 |
| Direct Auto | $145 |
| Mile Auto | $106 |
| Foremost | $194 |
| Infinity | $181 |
| National General | $247 |
Average Auto Insurance Rates In Lakeland – By Age
Insurance companies use age as a key factor when determining rates. Since young drivers are more prone to accidents and traffic violations, their premiums are higher, with teenagers typically paying around $7,162 per year.
Turning 25 often leads to reduced car insurance rates, but only if drivers have avoided accidents and violations.
Insurance providers generally offer the best rates to drivers in their 50s and early 60s, using age as a way to gauge driving experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $7,162 |
| 20s | $4,583 |
| 30s | $2,859 |
| 40s | $2,646 |
| 50s | $2,397 |
| 60s | $2,181 |
| 70s | $2,623 |
Average Rates In Lakeland – By Vehicle
The cost of your car insurance is influenced by what you drive. Insurance providers consider the car’s make, model, and year, with newer, high-tech luxury cars often leading to higher premiums.
The table below outlines the typical insurance rates for various vehicles in Lakeland.
| Vehicle | Average Monthly Rate |
| Chevrolet Traverse | $176 |
| Nissan Sentra | $502 |
| Hyundai Venue | $571 |
| Jeep Wrangler | $1,890 |
| Ram 1500 | $347 |
Average Cost Of Auto Insurance In Lakeland – By Zip Code
Your zip code plays a role in determining car insurance costs, as insurers use it to gauge crime rates in your area.
The table below lists typical insurance rates for various zip codes in Lakeland.
| City | Average Monthly Rate |
| 33813 | $242 |
| 33805 | $270 |
| 33815 | $233 |
| 33860 | $133 |
| 32073 | $316 |
How Much Is Car Insurance In Other Cities in Florida?
Car insurance rates vary based on your location, with insurers considering accident frequency, crime rates, and vandalism. Since these risks are higher in cities, premiums tend to be more expensive.
The average car insurance premium in Miami is about $408 per month, whereas in Sarasota, it’s closer to $228 per month.
| City | Average Monthly Rate |
| Fort Myers | $275 |
| Boca Raton | $348 |
| West Palm Beach | $407 |
| Naples | $252 |
| Sarasota | $228 |
| Tampa | $401 |
| Miami | $408 |
| Tallahassee | $274 |
| St. Petersburg | $262 |
| Pensacola | $266 |
Find affordable Lakeland rates
Our methodology
Using customer reviews, coverage details, pricing, and online feedback, I’ve compiled an in-depth analysis of car insurance companies in Lakeland, FL.
Quotes Analyzed
Research Hours
Years Of Experience
Brands Reviewed
FAQs
Who has the lowest car insurance rates in Lakeland?
Lakeland drivers can get the cheapest minimum coverage from State Farm, while GEICO offers the lowest rates for full coverage, which covers both collision and comprehensive protection.
What is the average cost of car insurance in Lakeland?
Lakeland drivers typically pay around $270 monthly for car insurance, but premiums fluctuate based on zip code, vehicle details, and driving history.
