Travelers offers the lowest car insurance rates in Lakeland, with average annual premiums of $677 for minimum coverage and $1,482 for full coverage. State Farm, Nationwide and Mercury also provide affordable coverage options in the city.
Car Insurance in Lakeland
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Lakeland's cheapest car insurance companies are Travelers, State Farm and Nationwide, with savings up to 42% compared to the city average.
Monthly car insurance costs in Lakeland average $231 for full coverage and $98 for minimum coverage.
To find the best cheap auto insurance in Lakeland, compare quotes from multiple sources and choose coverage that matches your needs.
Who Has the Cheapest Car Insurance in Lakeland?
| Travelers | $56 | $124 | -45% |
| State Farm | $59 | $129 | -43% |
| Nationwide | $77 | $165 | -26% |
| Metropolitan Group | $72 | $175 | -25% |
| Mercury | $85 | $201 | -13% |
Cheapest Lakeland Car Insurance by Category
State Farm leads Lakeland's car insurance market, offering the lowest rates in six driver categories. Travelers provides the cheapest coverage for adult drivers and those with newer cars, while Nationwide wins for drivers with bad credit.
| Young Drivers | State Farm | $121 |
| Adult Drivers | Travelers | $56 |
| Senior Drivers | State Farm | $72 |
| Drivers With an Accident | State Farm | $69 |
| Drivers With a DUI | State Farm | $64 |
| Drivers With a Speeding Ticket | State Farm | $64 |
| Drivers With Bad Credit | Nationwide | $94 |
| Drivers With Newer Cars | Travelers | $39 |
| Drivers With Old Cars | State Farm | $39 |
Compare the Cheapest Lakeland Car Insurance for You
Your driving history and personal details significantly affect what you'll pay for car insurance. Check the table below to find which companies offer the best rates for drivers with your profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| Travelers | $56 | $677 | -42% |
| State Farm | $59 | $708 | -39% |
| Metropolitan Group | $72 | $862 | -26% |
| Geico | $72 | $866 | -25% |
| Nationwide | $77 | $929 | -20% |
Best Car Insurance Companies in Lakeland
In Lakeland, the top car insurance companies are Travelers, State Farm, Nationwide and Mercury . These providers stand out for their strong combination of competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 98 | 1 | 1 | 4 |
| State Farm | 93 | 2 | 3 | 7 |
| Nationwide | 90 | 3 | 6 | 4 |
| Mercury | 87 | 5 | 4 | 5 |
| Metropolitan Group | 85 | 4 | 10 | 8 |
Travelers: Best Overall Value
pros
Strong customer service ratings
Competitive rates across coverage types
Quick claims processing
cons
Limited add-on coverage options
Few local agents in Lakeland
COMPANY HIGHLIGHTS
Travelers ranks first in Lakeland for both affordability and customer satisfaction. The company offers some of the most competitive rates in the area for both minimum and full coverage policies. Customers praise its straightforward claims process and responsive customer service team. Travelers particularly stands out for adult drivers and those with newer cars, offering specialized coverage options for these groups.
State Farm: Best for High-Risk Drivers
pros
Extensive local agent network
Many driver discounts available
Strong mobile app features
cons
Limited coverage customization options
Higher rates for luxury vehicles
COMPANY HIGHLIGHTS
State Farm earns high marks as Lakeland's second-best car insurance provider, especially for high-risk drivers. The company excels in serving drivers with violations, accidents, or tickets, offering competitive rates despite driving records. Its large network of local agents provides personalized service, while the user-friendly mobile app makes policy management simple. State Farm also offers strong options for both young and senior drivers.
How Much Is Car Insurance in Lakeland?
In Lakeland, minimum coverage costs about $98 per month or $1,171 per year, ranking 462nd out of all Florida cities for affordability. Full coverage averages $231 monthly or $2,767 annually, also ranking 462nd among Florida cities.
| Full Coverage | $231 | $2,767 |
| Minimum Coverage | $98 | $1,171 |
Lakeland Car Insurance Cost by Category
In Lakeland, monthly coverage costs vary from $71 to $539 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $219 | $539 |
| Adult Drivers | $98 | $231 |
| Senior Drivers | $124 | $298 |
| Drivers With an Accident | $138 | $328 |
| Drivers With a DUI | $135 | $308 |
| Drivers With a Speeding Ticket | $116 | $283 |
| Drivers With Bad Credit | $128 | $262 |
| Drivers With Newer Cars | $77 | $181 |
| Drivers With Old Cars | $71 | $164 |
Lakeland Car Insurance Costs by ZIP Code
In Lakeland, car insurance rates by ZIP code range from $85 to $295 per month. ZIP code 33810 is the most expensive, while 33803 is the cheapest. Check the average rates for your ZIP code below.
Data filtered by:Results filtered by:
Select
ZIP Code:33801
| 33801 | $86 | $205 |
Compare Personalized Lakeland Car Insurance Costs
Find rates that match your profile by filtering the table below for combinations of factors like age and driving history, going beyond our basic rate breakdowns for Lakeland.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $82 | $990 | 5% |
How to Get the Best Cheap Lakeland Car Insurance
Finding affordable car insurance in Lakeland can be challenging with the area's high rates, but you can lower your costs significantly by following these simple steps.
- 1
Calculate your coverage needs first
Start by determining exactly how much coverage you need for your situation in Lakeland. Use our car insurance coverage needs calculator to evaluate your requirements based on your car's value, assets and risk tolerance. This creates a solid foundation for comparing policies.
- 2
Explore different coverage types
Look into various types of car insurance that might save you money. If you drive infrequently, consider pay-per-mile insurance. Don't own a car? Non-owner coverage could be your best option.
- 3
Know the average costs
Research average vehicle insurance costs in Lakeland to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Understanding local rates gives you leverage when negotiating with insurance providers.
- 4
Check available discounts
Explore every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, security features and payment methods can also reduce your premium.
- 5
Review company ratings and service
Research insurance companies' customer service ratings and claims satisfaction scores in Florida. Check how quickly they process claims and their availability in Lakeland. A slightly higher premium might be worth it for better service quality.
- 6
Get quotes from multiple providers
Contact at least three different insurance providers for quotes. Use a mix of local agents, online tools and direct company contacts. Each provider calculates rates differently, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your car insurance policy. Your rates might change based on your driving record, credit score or company pricing.
Cheapest Car Insurance in Lakeland: Bottom Line
Car insurance rates in Lakeland depend on your age, driving history and coverage needs. While Travelers and State Farm offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Lakeland Car Insurance: FAQ
We've researched the cheapest car insurance options in Lakeland to answer your questions about finding affordable coverage that fits your needs.
What is the cheapest car insurance company in Lakeland, Florida?
Travelers offers the lowest rates in Lakeland, with average annual premiums of $677 for minimum coverage and $1,482 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Lakeland?
Travelers leads Lakeland's car insurance providers with a MoneyGeek score of 98 out of 100, scoring 5 points higher than State Farm. Travelers excels in both affordable rates and quality service.
What is the average cost of car insurance in Lakeland?
In Lakeland, drivers pay $2,767 for full coverage and $1,171 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Lakeland expensive?
Car insurance in Lakeland tends to be costlier, ranking 462nd for both minimum and full coverage affordability compared to other Florida cities.
How We Chose the Best and Cheapest Car Insurance in Lakeland, FL
To help Lakeland drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Florida Office of Insurance Regulation and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Florida to tailor options as closely as possible to you.
Lakeland Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Lakeland
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Florida are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
