How to find the cheapest car insurance in Lakeland
On average, car insurance in Lakeland costs about $122 per month for minimum coverage liability insurance, and about $232 per month for full coverage insurance. Lakeland drivers pay less than the average rate in Florida.
With hundreds of providers and thousands of car insurance products on the market, finding the right coverage—let alone the right price!—can be challenging. Jerry helps you compare quotes and makes finding cheap car insurance in Florida and Lakeland quick and hassle-free!
|
Insurance Company
|
Age
|
Zip Code
|
Premium (monthly)
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | 48 | 33805 | $218 | Buick Century Custom | State Minimum | No |
| Progressive | 52 | 33815 | $164 | Mercury Grand Marquis Ls | State Minimum | No |
| National General | 49 | 33803 | $144 | Dodge Caliber Sxt | State Minimum | No |
| Progressive | 30 | 33805 | $418 | Toyota Corolla | State Minimum | No |
| National General | 25 | 33805 | $470 | Chrysler 200 S | No Coverage | Yes |
Cheapest Lakeland car insurance for good drivers
Insurance rates are calculated based on your driving record, age, zip code, past claims, and vehicle type. While the majority of these factors aren’t in your control—you can be a good driver and keep your driving record clean.
Good drivers in Lakeland can save up to 40% on their insurance, and with Jerry’s DriveShield™, you can track your driving and unlock discounts for safe driving habits.
Best car insurance companies in Lakeland
Looking for the cheapest car insurance rates in Lakeland? Jerry conducted the largest insurance shopping survey in the nation to help figure it out.
State Farm is often cited as the cheapest car insurance company in Florida, but some survey respondents reported that they were overcharged and their rates increased frequently. If you’re wondering who to trust among the big five in Lakeland—GEICO, Progressive, Allstate, USAA, and Liberty Mutual—here’s the truth: the most affordable insurance company is different for everyone.
You’ll need to compare rates from all of them, as well as providers like Assurance America and Safeco, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Lakeland rated the biggest companies on a scale of 0 to 5.
You’ll need to compare rates from all of them, as well as providers like Assurance America and Safeco, before you can confidently name the best auto insurance provider for you. To get you started, here’s how survey respondents in Lakeland rated the biggest companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Liberty Mutual | 4.6 | 4.2 | 4.7 | 4.5 |
| Progressive | 4.2 | 3.7 | 3.6 | 4.4 |
| State Farm | 4 | 3.3 | 3.7 | 4 |
| Geico | 3.9 | 3.1 | 3.4 | 4 |
| USAA | 3.9 | 2 | N/A | 4 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Lakeland
Florida’s car insurance laws oblige drivers to carry a minimum amount of personal injury protection (PIP) and property damage liability (PDL) to legally drive.
PIP covers you and your passengers’ medical expenses (even if you were at fault), while PDL covers the cost of repairing or replacing any property you destroyed.
When it comes to car accidents, however, the minimum coverage is rarely enough to prevent at-fault drivers from huge out-of-pocket expense.
Cheap minimum liability insurance quotes in Lakeland
You need both PIP and PDL to drive in Lakeland because Florida is a no-fault state. Your car insurance policy must include at least $10,000 of PIP coverage and $10,000 of PDL coverage.
If you’re looking to pay the cheapest rates, you can stop reading here. Although sticking with the minimum coverage isn’t advised (more on that later), Jerry has helped many drivers find cheap, no-frills coverage in Lakeland.
Do you need more than minimum coverage in Lakeland?
The state’s minimum liability coverage is insufficient for most Lakeland drivers.
If you cause a serious injury to somebody else in Lakeland, their medical bills are likely to climb far past $10,000—and because Florida doesn’t require liability car insurance, you could be at serious risk of a lawsuit if the other driver’s PIP runs out. The same goes for PDL.
Florida’s car accident laws allow drivers to file personal injury lawsuits up to four years after a crash, so having the right liability insurance is key.
The bottom line: It’s a good idea to consider liability coverage with higher limits for greater financial protection in case of an at-fault accident.
Cheap full coverage car insurance quotes in Lakeland
Full coverage car insurance is essential for protecting yourself from the costs associated with repairing or replacing your car. It typically includes both collision and comprehensive coverage. Collision insurance pays for damages after an accident, while comprehensive insurance pays for damages after a vandalism, theft, or natural disaster.
Your lender will usually require collision and comprehensive coverage if you finance or lease your car. And even if your vehicle is paid off, you should carry full coverage if its value exceeds $3,000.
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
|---|---|---|---|---|---|
| No Coverage | Yes | National General | $470 | Jeremy, 25, Lakeland, FL | Chrysler 200 S |
| 50/100 | Yes | Dairyland | $590 | Johanna, 44, Lakeland, FL | Toyota Scion Xd |
| No Coverage | Yes | Assurance America | $192 | Olga, 42, Lakeland, FL | Honda Insight Ex |
| State Minimum | Yes | National General | $488 | Bill, 51, Lakeland, FL | Kia Forte Lx |
| State Minimum | Yes | Progressive | $247 | Glenn, 41, Lakeland, FL | Ford Focus Se |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Lakeland
Based on our experience working with thousands of Lakeland insurance policyholders, minimum liability coverage costs an average of $122 per month or $1,466 per year, while full coverage insurance costs an average of $232 per month or $2,786 per year.
Note that the type of car you drive, your driving record, claim history, and demographics all play a role in how your insurance premiums are calculated. Although the average rates in Lakeland can give you an idea of the cost, the full price of your policy could vary by hundreds of dollars.
Car insurance quotes in Lakeland by rating factors
Is car insurance calculated at random? No, even if it seems like it. Here are the five factors that determine the rates you pay for Lakeland car insurance:
- Driving record and claims history: A history of car accidents and traffic tickets may increase your insurance premiums.
- Vehicle location: Some ZIP codes come with higher rates.
- Vehicle type: Sports cars, luxury cars, and high-performance cars tend to have higher collision and comprehensive coverage rates.
- Usage: If you use your car regularly for work, your annual premium may be higher than if you use it only occasionally for pleasure.
- Credit score: Drivers with good credit typically pay lower insurance premiums than those with bad credit for the same coverage.
Cheap car insurance quotes in Lakeland after driving violations
Your Florida driving record can significantly affect your car insurance rates. High-risk drivers receive proportionally higher insurance premiums. While a conviction for running a red light, committing a DUI, or reckless driving in Florida makes it harder to find an affordable rate in Lakeland, it’s not impossible.
Cheapest car insurance in Lakeland after speeding ticket
Florida speeding tickets come in several different flavors, each with a different amount of driver violation points:
- 1-5 MPH over limit: No points
- 6-9 MPH over limit: 3 points
- 10-14 MPH over limit: 3 points
- 15-19 MPH over limit: 4 points
- 20-29 MPH over limit: 4 points
- 30 MPH or more over limit: 4 points and mandatory court appearance
The more severe the offense, the more you’ll pay for car insurance. In spite of this, Jerry has helped a number of drivers save money by finding the lowest rates in Lakeland.
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Violation Summary
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | Speeding Violation-Major | Progressive | $256 | Hester, 47, Lakeland, FL | Kia Optima Lx | State Minimum | No |
| Speeding under 15 | Speeding Violation-Minor | Embark General | $156 | Madge, 34, Lakeland, FL | Chevrolet Cruze Lt | No Coverage | No |
| Speeding under 15 | Speeding 11-15 | Progressive | $586 | Jessie, 26, Lakeland, FL | Chrysler 300 S | 50/100 | Yes |
| Speeding over 15 | Speeding Violation-Major | National General | $203 | Rena, 54, Lakeland, FL | Toyota Corolla L | No Coverage | Yes |
| Speeding over 15 | Speeding Violation-Major | Progressive | $200 | Chad, 29, Lakeland, FL | Kia Soul + | State Minimum | No |
Cheapest car insurance in Lakeland after DUI
Committing a DUI in Florida can have a significant impact on your car insurance rates. Insurance companies often view DUI offenders as high-risk drivers, which can result in higher premiums.
If you have a DUI on your record, it’s important to shop around and compare rates from multiple insurance companies to find the most affordable option. Jerry can help you find the best rates for auto insurance in Lakeland even after a DUI conviction.
Cheapest car insurance in Lakeland after an at-fault accident
Your driving record in Florida is one of the crucial factors that affect your car insurance rates. Insurance companies look at any past accidents where you were at fault to determine the level of risk you pose to your insurer.
If you have been involved in an at-fault accident in the recent past, your car insurance rates in Lakeland could significantly increase when your policy is up for renewal. It is essential to shop around and compare rates from different insurers to find the cheapest auto insurance after an at-fault accident.
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Accident Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Progressive | $218 | 48 | 33805 | Buick Century Custom | State Minimum | No |
| At Fault With No Injury | National General | $144 | 49 | 33803 | Dodge Caliber Sxt | State Minimum | No |
| At Fault With No Injury | Progressive | $418 | 30 | 33805 | Toyota Corolla | State Minimum | No |
| At Fault With No Injury | National General | $470 | 25 | 33805 | Chrysler 200 S | No Coverage | Yes |
| At Fault With No Injury | Dairyland | $590 | 44 | 33812 | Toyota Scion Xd | 50/100 | Yes |
Cheapest car insurance in Lakeland after other driving violations
Apart from speeding tickets and DUIs, there are several other violations that can lead to an increase in car insurance costs in Lakeland, including careless driving, driving without a license, and reckless driving.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Careless Driving | National General | $470 | 25 | 33805 | Chrysler 200 S | No Coverage | Yes |
| Failure to Stop | National General | $231 | 37 | 33810 | Nissan Altima Sr | No Coverage | Yes |
| Failure to Stop | Embark General | $212 | 50 | 33811 | Saturn Aura Xe | No Coverage | No |
| Ticket Violation Not Listed | National General | $301 | 40 | 33805 | Mercedes Benz Glc 300 | No Coverage | Yes |
| Suspension | Progressive | $538 | 27 | 33801 | Hyundai Santa Fe Sport | State Minimum | No |
Cheap car insurance quotes in Lakeland by age
Young drivers typically have limited driving experience and are therefore considered high-risk by insurance companies, resulting in high insurance rates. However, when drivers reach the age of 25, they may see a drop in their rates.
On the other hand, drivers over the age of 75 may see an increase in their rates due to potential health issues and slower reflexes.
Cheapest car insurance in Lakeland for young drivers
In Lakeland, young drivers between the ages of 16 and 21 pay the highest insurance premiums of any age group.
The best financial protection for young drivers is full-coverage car insurance, which provides coverage for all their mistakes while they learn the rules of the road. The cheapest car insurance for young drivers comes with a provider that offers good student or new driver discounts.
Cheapest car insurance in Lakeland for senior drivers
Similar to teenage drivers, car insurance rates for senior drivers are typically higher than the national average. Insurers consider senior drivers high-risk because:
- Senior drivers have a higher likelihood of being involved in car accidents
- Accidents involving senior drivers typically result in more severe injuries and increased medical expenses
Cheap car insurance quotes in Lakeland based on insurance history
If you’ve had a car insurance lapse or you’re currently uninsured, it can lead to higher car insurance rates.
To help our customers avoid a lapse in coverage and make payments on time, Jerry sends payment reminders to eligible customers when a payment is due or if they’re late on their payments.
We’ve helped many customers in Lakeland who are currently uninsured or have had a lapse in coverage find affordable insurance options.
Cheap car insurance quotes in Lakeland for drivers with poor credit
While your credit rating doesn’t necessarily reflect your driving ability, insurance companies have found a correlation between lower credit scores and higher claim filings. Lakeland drivers with poor credit scores tend to face higher car insurance costs than those with good credit scores.
If you have a credit score of 550 or less, Jerry partners with companies that provide insurance to Lakeland drivers with poor credit, taking the stress out of comparison shopping.
Here’s how drivers with low credit scores saved with Jerry.
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Credit Range
|
Insurance Company
|
Premium (monthly)
|
Customer
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| <550 | Progressive | $218 | Scott, 48, Lakeland, FL | Buick Century Custom | State Minimum | No |
| 550-659 | Progressive | $164 | Steven, 52, Lakeland, FL | Mercury Grand Marquis Ls | State Minimum | No |
| <550 | National General | $144 | Nicholas, 49, Lakeland, FL | Dodge Caliber Sxt | State Minimum | No |
| <550 | Progressive | $418 | Ollie, 30, Lakeland, FL | Toyota Corolla | State Minimum | No |
| <550 | National General | $470 | Jeremy, 25, Lakeland, FL | Chrysler 200 S | No Coverage | Yes |
Cheap car insurance quotes in Lakeland for popular cars
If you want to save on car insurance, avoid sports cars, luxury SUVs, and high-performance models. These vehicles might be beautifully-made, but they cost a ton to repair, and thus insure.
Insurance companies look at a vehicle’s cost of repairs and replacements, likelihood of theft, and safety ratings when determining its insurance premiums. Here are the top five picks of Lakeland drivers that perform well in all three categories:
- Toyota Camry
- Honda Accord
- Ford F-Series
- Chevrolet Silverado
- Nissan Altima
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Nissan Altima Sr | National General | $231 | 37 | 33810 | No Coverage | Yes |
| Nissan Altima S | Bristol West | $904 | 22 | 33811 | 100/300 | Yes |
| Nissan Altima 2.5 | National General | $380 | 24 | 33809 | No Coverage | Yes |
| Nissan Altima S | National General | $143 | 44 | 33809 | No Coverage | Yes |
| Nissan Altima S | National General | $141 | 43 | 33803 | No Coverage | No |
Cheapest car insurance in Lakeland for new vs. old car
It usually costs more to insure a new car in Lakeland than an older one. According to our research, the average cost of full coverage insurance for a car over 10 years old is $150 per year. However, the average cost for insuring a car less than 4 years old increases to $150 per year.
How to lower car insurance costs in Lakeland
1. Shop around and compare quotes
You can’t be 100% certain that you’ve found the best deal on auto insurance until you’ve compared it to the other products on the market. Experts recommend shopping for car insurance quotes from at least three different companies every six months.
Sounds like a huge chore—until you remember that Jerry makes the process lighting-fast! Get signed up in 45 seconds and compare five to seven quotes in less than a minute. It’s all the benefits of comparison shopping with none of the time commitment… and did we mention it’s free?
2. Hunt for car insurance discounts
You can make an okay rate into a great one with the right car insurance discount. See if your provider offers a program for:
- Good drivers. If you’ve held a clean driving record for at least three years, you’re due for some sweet discounts.
- Installing a telematics device. Telematics devices track how far you drive, when you drive, and how you drive. If you brake often and hard, this isn’t the program for you. But if you’re a calm and mellow driver, you could reap a low rate as a reward!
- Good students. Full-time high school and college students with a B average or better can translate their scholastic successes into savings.
- Bundling insurance products. Bundle your car and home insurance and you could pay less for each of them.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
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Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
