The ideal service provider for you will change depending on the circumstance. For instance, State Farm provides the lowest rates for people in the military and after an incident. For families and teenagers, Nationwide offers the best deals. Meanwhile, excellent customer service is one of Travelers' major selling points.
Cheapest and Best Car Insurance in Lakeland, FL








Cheapest Minimum Liability Car Insurance in Lakeland
The following insurers provide the cheapest minimum coverage policies in Lakeland:
- GEICO: $465 per year
- State Farm: $473 per year
State Farm is also the cheapest car insurer in Florida at $507 per year, though prices may change depending on where you live. The most expensive insurer in Lakeland is Direct General Insurance at $1,225 annually.
In Florida, drivers are required to have property damage liability and personal injury protection coverage.
- $10,000 property damage liability per accident
- $10,000 personal injury protection
Personal injury protection (PIP) pays up to $10,000 in medical costs and lost income for you and your passengers if you are hurt in an accident. Property damage liability coverage will pay up to $10,000 per accident to repair or replace the third party’s property. You will be responsible for any costs exceeding this amount.
Cheapest Full Coverage Car Insurance in Lakeland
In Lakeland, the following insurers offer the cheapest full coverage policies:
- State Farm: $1,016 per year
- GEICO: $1,179 per year
The most expensive full coverage car insurance in Lakeland is offered by Direct General Insurance at $2,313 per year. In addition to being the cheapest provider in the city, State Farm is also the cheapest provider for full coverage car insurance in Florida, with policies costing $1,058 per year, on average. This seems to indicate that insurance rates are cheaper in Lakeland than in the rest of the state.
Your liability insurance policy can be upgraded to a full coverage plan by adding extra safeguards like collision and comprehensive coverage.
- Collision Insurance: Pays for the cost of damage to your car after hitting another object or vehicle.
- Comprehensive Insurance: Pays for the cost of non-collision related damages, including those from natural disasters, theft or vandalism.
Full coverage policies are typically preferred by owners of new vehicles as a way to safeguard their investment. A full coverage policy may not be worth the added cost if you have an older vehicle.
Cheapest Car Insurance in Lakeland After a Driving Offense
In Lakeland, the following insurers offer the cheapest full coverage policies to drivers with these traffic violations:
- Speeding ticket: State Farm ($1,142 per year)
- At-fault accident: State Farm ($1,238 per year)
- DUI: State Farm ($1,142 per year)
At $3,474, Mercury has the highest rates for drivers with an at-fault accident history. Drivers who have a speeding ticket will pay the most, with Farmers at $2,461 per year. Meanwhile, those with DUI offenses will get the most expensive rates from Nationwide at $3,038 per year. A driving violation will increase the cost of your insurance; even “cheap” rates for drivers with offenses will still be more than average-priced rates for drivers with a clean driving history.
Typically, your premium will increase in proportion to the severity of your traffic offense. For instance, a driver in Lakeland with a DUI should expect to pay up to $267 more per year for insurance than a driver with a speeding ticket. MoneyGeek also put together a list of the cheapest auto insurance for drivers with poor driving histories to help you save some money.
Cheapest Car Insurance in Lakeland for Teens and Their Families
The following insurers offer the cheapest rates for 16-year-old teens on a family policy in Lakeland:
- Nationwide: $3,219 per year for female teens; $3,625 per year for male teens
- State Farm: $3,553 per year for female teens; $4,308 per year for male teens
The most expensive insurance provider in Lakeland is Farmers, with annual premiums of $6,184 for a female teen and $6,270 for a male teen. Insurers typically charge male teens more, as they consider them riskier to insure. For insurance, Nationwide, the cheapest insurer in Lakeland, charges male teens $427 more than female teens for car insurance. This cost discrepancy tends to decrease into early adulthood.
It can be significantly less expensive to add a teen to a family policy than to purchase an individual policy. In Lakeland, a 16-year-old male teen can save $4,940 or more per year. Although rates will be higher, it’s still possible to find cheap car insurance for teenagers by comparing quotes and looking for discounts.
Cheapest Car Insurance in Lakeland for Military Drivers
The following providers in Lakeland offer the most affordable prices for military members seeking full coverage auto insurance:
- State Farm: $1,016 per year
- GEICO: $1,179 per year
Cheap minimum coverage policies are also available with GEICO and State Farm for $465 per year and $473 per year, respectively. Another insurer that offers coverage to service members is USAA, though availability may vary depending on where you live. MoneyGeek also identified the cheapest auto insurance for military drivers if you’d like to view other insurers’ rates.
How to Compare Cheap Lakeland Car Insurance Quotes Online
It can take up to 15 minutes to input the personal information required for a single auto insurance quote. When comparing rates for multiple companies, this time can add up. Fortunately, MoneyGeek’s insurance calculator allows you to easily calculate your rating using your age, vehicle details, driving record and preferred coverage level.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Lakeland: Summary
Your search for the best auto insurance can be simplified by choosing which features are most important to you. Here are our picks:
- Best overall: State Farm (MoneyGeek score of 76 out of 100)
- Best for service: Travelers (MoneyGeek score of 60 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
An insurer’s overall MoneyGeek score may vary across categories depending on the factors weighted. The best car insurance provider in Florida is also State Farm. Military members and their families may consider USAA for their car insurance needs.
Best Overall Car Insurance in Lakeland
Based on affordability and customer service, these companies provide the best full coverage policies in Lakeland:
- State Farm: MoneyGeek score of 76 out of 100 ($1,016 per year)
- GEICO: MoneyGeek score of 71 out of 100 ($1,179 per year)
Of the insurers in our comparison group, State Farm has the cheapest rates and one of the highest customer satisfaction scores. This means you won’t have to pay extra to receive quality customer service.
How was this MoneyGeek score calculated?

pros
Has one of the highest scores for customer satisfaction
Offers the cheapest rates of the insurers in our study
Offers rental car and/or travel reimbursement and emergency roadside assistance
cons
Has a relatively low rating for claims management
Does not offer new or better car replacement
COMPANY HIGHLIGHTS
State Farm provides the cheapest rates without sacrificing customer service. This insurer offers several common add-on coverage options that can benefit all types of drivers.
With the insurer’s rental car and/or travel reimbursement coverage, you won’t have to pay for the cost of a rental car if your vehicle is damaged in a covered accident. State Farm will cover your expenses up to your policy’s limits. If the accident occurred more than 50 miles from your home, State Farm will also cover the cost of travel expenses (meals, lodging and transportation) of up to $500. Roadside assistance coverage ensures that you’ll receive help if your car breaks down on the road. This coverage pays for mechanical labor, towing services, locksmith labor and fuel deliveries. Certain limitations apply, so it’s important to read the fine print of your policy to verify what is included.
Best Car Insurance in Lakeland for Customer Service
Not taking into account cost, these insurance companies provide the best customer service in Lakeland:
- Travelers: MoneyGeek score of 60 out of 100 ($1,476 per year)
- State Farm: MoneyGeek score of 58 out of 100 ($1,016 per year)
Of the insurers in our study, Travelers has the highest rating for claims management and the third-highest rating for customer satisfaction. It is the fourth-cheapest insurer, meaning you can receive the best service for a relatively affordable cost.
How was this MoneyGeek score calculated?

pros
Has high scores for customer satisfaction and coverage options
Has the highest claims management rating of the insurers in our study
Offers accident forgiveness, gap insurance and new car replacement coverage
cons
Does not offer better car replacement coverage
COMPANY HIGHLIGHTS
Travelers offers a high level of service at a relatively affordable cost, making it a good fit for most drivers in Lakeland. Although it lacks more unusual forms of coverage, it offers most key coverage types.
Travelers' Responsible Driver Plans offer accident forgiveness for drivers with clean driving histories. Eligible drivers can avoid rate increases after an accident. Moreover, Travelers' Premier New Car Replacement coverage will pay to replace your brand-new vehicle with one make and model if it is totaled during the first five years — most insurers only provide this coverage for cars that are less than two or three years old. Travelers also offers gap coverage. If your car is totaled, this can cover the difference in cost between the car's actual cash value and the remaining amount on your loan or lease.
Best Cheap Car Insurance in Lakeland
The following insurers provide the best minimum coverage policies in Lakeland that meet the state’s minimum liability requirements:
- GEICO: MoneyGeek score of 78 out of 100 ($465 per year)
- State Farm: MoneyGeek score of 78 out of 100 ($473 per year)
Minimum coverage plans may cost less, but they offer the least amount of liability protection and won’t cover damages to your vehicle if you get in an accident.
How was this MoneyGeek score calculated?

pros
An affordable minimum coverage policy costs $465 per year
Offers discounts for safe driving, installing vehicle safety equipment and bundling insurance
Has a high customer satisfaction score and offers a variety of coverages
cons
Does not offer any rare add-on coverages
Does not offer a discount for paperless billing
COMPANY HIGHLIGHTS
GEICO has the cheapest rates in Lakeland. Customers can save even more money through the insurer’s multiple discount opportunities, like those for driving safely, installing safety equipment and insuring multiple cars.
Additional discounts are available with the insurer. These include a discount for consistently using your seatbelt, as well as one for taking an approved defensive driving course. Further savings are available to drivers who go five years without an accident on their record. Having certain safety devices installed in your vehicle can also help you save money. For instance, discounts are available to drivers with airbags, anti-lock brakes and anti-theft systems. With all these discount opportunities, policyholders can further reduce their already low premium rate, paying virtually nothing for car insurance. Although the insurer does not offer any rare coverages, its available coverages are applicable to all drivers, including roadside assistance, accident forgiveness and rental car and/or travel reimbursement coverage.
Average Cost of Car Insurance in Lakeland
The average cost of car insurance in Lakeland is typically $1,636 per year. This is $299 less than the average cost of vehicle insurance in the state of Florida at $1,935 as of October 2022. However, it is $371 more expensive than the national average cost of car insurance, $1,265. This shows how location can impact the cost of your car insurance. These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability coverage per accident and $100,000 in property damage coverage per accident.
About Mark Fitzpatrick
