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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.

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2023

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.

Company
Annual Premium
Monthly Premium

GEICO

$430

$36

State Farm

$442

$37

GEICO

$465

$39

State Farm

$473

$39

State Farm

$540

$45

GEICO

$610

$51

Nationwide

$630

$53

Travelers

$660

$55

Nationwide

$662

$55

Travelers

$689

$57

Mercury

$744

$62

Travelers

$747

$62

Nationwide

$761

$63

Mercury

$786

$66

Allstate

$860

$72

Allstate

$872

$73

Allstate

$882

$74

State Farm

$931

$78

Farmers

$968

$81

Mercury

$1,008

$84

State Farm

$1,016

$85

Farmers

$1,016

$85

Progressive

$1,050

$88

Progressive

$1,061

$88

GEICO

$1,095

$91

Farmers

$1,142

$95

GEICO

$1,179

$98

Progressive

$1,179

$98

Direct General Insurance

$1,179

$98

State Farm

$1,202

$100

Direct General Insurance

$1,225

$102

Nationwide

$1,274

$106

Nationwide

$1,364

$114

Travelers

$1,401

$117

Direct General Insurance

$1,473

$123

Travelers

$1,476

$123

Nationwide

$1,608

$134

Mercury

$1,632

$136

GEICO

$1,664

$139

Travelers

$1,679

$140

Mercury

$1,746

$145

Progressive

$1,754

$146

Progressive

$1,792

$149

Allstate

$1,868

$156

Allstate

$1,886

$157

Farmers

$1,955

$163

Allstate

$1,978

$165

Progressive

$2,101

$175

Farmers

$2,120

$177

Direct General Insurance

$2,273

$189

Direct General Insurance

$2,313

$193

Mercury

$2,370

$198

Farmers

$2,444

$204

Direct General Insurance

$2,967

$247

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.

Company
Annual Premium
Monthly Premium

GEICO

$430

$36

State Farm

$442

$37

GEICO

$465

$39

State Farm

$473

$39

State Farm

$540

$45

GEICO

$610

$51

Nationwide

$630

$53

Travelers

$660

$55

Nationwide

$662

$55

Travelers

$689

$57

Mercury

$744

$62

Travelers

$747

$62

Nationwide

$761

$63

Mercury

$786

$66

Allstate

$860

$72

Allstate

$872

$73

Allstate

$882

$74

State Farm

$931

$78

Farmers

$968

$81

Mercury

$1,008

$84

State Farm

$1,016

$85

Farmers

$1,016

$85

Progressive

$1,050

$88

Progressive

$1,061

$88

GEICO

$1,095

$91

Farmers

$1,142

$95

GEICO

$1,179

$98

Progressive

$1,179

$98

Direct General Insurance

$1,179

$98

State Farm

$1,202

$100

Direct General Insurance

$1,225

$102

Nationwide

$1,274

$106

Nationwide

$1,364

$114

Travelers

$1,401

$117

Direct General Insurance

$1,473

$123

Travelers

$1,476

$123

Nationwide

$1,608

$134

Mercury

$1,632

$136

GEICO

$1,664

$139

Travelers

$1,679

$140

Mercury

$1,746

$145

Progressive

$1,754

$146

Progressive

$1,792

$149

Allstate

$1,868

$156

Allstate

$1,886

$157

Farmers

$1,955

$163

Allstate

$1,978

$165

Progressive

$2,101

$175

Farmers

$2,120

$177

Direct General Insurance

$2,273

$189

Direct General Insurance

$2,313

$193

Mercury

$2,370

$198

Farmers

$2,444

$204

Direct General Insurance

$2,967

$247

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$500

$42

State Farm

$500

$42

State Farm

$536

$45

State Farm

$536

$45

State Farm

$545

$45

State Farm

$584

$49

State Farm

$614

$51

State Farm

$614

$51

GEICO

$652

$54

State Farm

$670

$56

GEICO

$700

$58

Nationwide

$749

$62

GEICO

$759

$63

Nationwide

$781

$65

GEICO

$800

$67

GEICO

$828

$69

GEICO

$860

$72

Allstate

$860

$72

Allstate

$872

$73

Nationwide

$879

$73

Allstate

$882

$74

GEICO

$893

$74

GEICO

$902

$75

Nationwide

$918

$77

Travelers

$937

$78

Travelers

$946

$79

Nationwide

$955

$80

Travelers

$965

$80

Travelers

$994

$83

Travelers

$1,004

$84

Travelers

$1,027

$86

Farmers

$1,037

$86

State Farm

$1,048

$87

State Farm

$1,048

$87

Nationwide

$1,064

$89

Mercury

$1,067

$89

Allstate

$1,091

$91

Allstate

$1,092

$91

Farmers

$1,100

$92

Allstate

$1,109

$92

GEICO

$1,129

$94

State Farm

$1,136

$95

State Farm

$1,142

$95

State Farm

$1,142

$95

Travelers

$1,150

$96

Travelers

$1,158

$97

Travelers

$1,179

$98

Direct General Insurance

$1,179

$98

Progressive

$1,180

$98

Progressive

$1,188

$99

Farmers

$1,195

$100

Mercury

$1,209

$101

Farmers

$1,213

$101

Direct General Insurance

$1,225

$102

Direct General Insurance

$1,235

$103

State Farm

$1,238

$103

Direct General Insurance

$1,259

$105

Farmers

$1,276

$106

Mercury

$1,289

$107

Mercury

$1,300

$108

Progressive

$1,311

$109

Progressive

$1,322

$110

Progressive

$1,351

$113

State Farm

$1,354

$113

State Farm

$1,354

$113

Farmers

$1,373

$114

Farmers

$1,405

$117

Nationwide

$1,425

$119

Allstate

$1,442

$120

Allstate

$1,444

$120

Progressive

$1,451

$121

Allstate

$1,465

$122

Nationwide

$1,467

$122

State Farm

$1,469

$122

Direct General Insurance

$1,473

$123

Mercury

$1,486

$124

Direct General Insurance

$1,487

$124

Progressive

$1,501

$125

Nationwide

$1,521

$127

Mercury

$1,527

$127

Progressive

$1,536

$128

Mercury

$1,549

$129

Farmers

$1,563

$130

Farmers

$1,581

$132

Nationwide

$1,596

$133

Nationwide

$1,610

$134

Progressive

$1,646

$137

Direct General Insurance

$1,680

$140

Direct General Insurance

$1,688

$141

GEICO

$1,741

$145

Mercury

$1,776

$148

Mercury

$1,789

$149

GEICO

$1,848

$154

Nationwide

$1,854

$155

Allstate

$1,868

$156

Nationwide

$1,874

$156

Allstate

$1,886

$157

Nationwide

$1,971

$164

Allstate

$1,978

$165

Progressive

$2,040

$170

Direct General Insurance

$2,044

$170

Progressive

$2,047

$171

Travelers

$2,048

$171

Travelers

$2,085

$174

GEICO

$2,102

$175

Travelers

$2,142

$179

Farmers

$2,144

$179

Travelers

$2,155

$180

GEICO

$2,177

$181

Travelers

$2,188

$182

GEICO

$2,235

$186

Nationwide

$2,241

$187

Travelers

$2,257

$188

Direct General Insurance

$2,273

$189

GEICO

$2,312

$193

Direct General Insurance

$2,313

$193

Farmers

$2,350

$196

GEICO

$2,379

$198

Direct General Insurance

$2,387

$199

Progressive

$2,389

$199

Direct General Insurance

$2,399

$200

Mercury

$2,433

$203

Progressive

$2,454

$205

Farmers

$2,461

$205

Progressive

$2,470

$206

Travelers

$2,486

$207

Allstate

$2,529

$211

Allstate

$2,530

$211

Travelers

$2,539

$212

Travelers

$2,609

$217

GEICO

$2,621

$218

Farmers

$2,637

$220

Allstate

$2,657

$221

Farmers

$2,715

$226

Mercury

$2,718

$227

Progressive

$2,797

$233

Progressive

$2,814

$235

Progressive

$2,888

$241

Mercury

$2,910

$243

Nationwide

$2,926

$244

Farmers

$2,957

$246

Direct General Insurance

$2,967

$247

Farmers

$3,028

$252

Nationwide

$3,038

$253

Direct General Insurance

$3,071

$256

Mercury

$3,073

$256

Direct General Insurance

$3,131

$261

Progressive

$3,190

$266

Direct General Insurance

$3,213

$268

GEICO

$3,214

$268

Allstate

$3,312

$276

Allstate

$3,326

$277

Nationwide

$3,352

$279

Mercury

$3,449

$287

Allstate

$3,457

$288

Farmers

$3,465

$289

Mercury

$3,474

$289

Farmers

$3,522

$294

Mercury

$3,569

$297

Direct General Insurance

$4,067

$339

Mercury

$4,118

$343

Mercury

$4,283

$357

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,785

$4,263

GEICO

$1,918

$4,581

GEICO

$1,993

$5,258

Travelers

$2,037

$3,449

GEICO

$2,066

$4,933

State Farm

$2,088

$2,485

Travelers

$2,145

$3,497

State Farm

$2,162

$2,573

State Farm

$2,205

$2,551

State Farm

$2,253

$2,949

State Farm

$2,282

$2,715

Travelers

$2,308

$4,252

Travelers

$2,312

$3,915

Nationwide

$2,328

$3,800

Travelers

$2,372

$4,015

State Farm

$2,389

$3,202

State Farm

$2,427

$2,808

Nationwide

$2,435

$3,181

Nationwide

$2,447

$3,196

Nationwide

$2,452

$3,331

Travelers

$2,472

$4,029

Nationwide

$2,482

$4,442

GEICO

$2,523

$4,162

State Farm

$2,524

$3,318

Nationwide

$2,539

$3,536

Travelers

$2,549

$4,779

Nationwide

$2,566

$3,352

Nationwide

$2,570

$3,491

Travelers

$2,577

$4,618

State Farm

$2,594

$3,001

State Farm

$2,633

$3,529

Travelers

$2,648

$4,317

State Farm

$2,660

$3,963

Nationwide

$2,684

$4,038

Nationwide

$2,742

$3,725

GEICO

$2,768

$4,567

Nationwide

$2,801

$5,285

Nationwide

$2,837

$4,630

State Farm

$2,839

$3,700

Allstate

$2,845

$4,253

Allstate

$2,859

$6,148

GEICO

$2,894

$5,388

Allstate

$2,895

$6,424

Allstate

$2,941

$4,300

Travelers

$2,971

$5,328

GEICO

$2,978

$5,721

GEICO

$2,987

$5,938

GEICO

$3,018

$4,980

Allstate

$3,045

$15,214

Travelers

$3,068

$5,496

Travelers

$3,078

$6,427

Nationwide

$3,104

$6,599

Nationwide

$3,144

$5,628

State Farm

$3,146

$4,468

Nationwide

$3,219

$9,060

Nationwide

$3,219

$9,060

Nationwide

$3,219

$9,060

State Farm

$3,234

$4,215

State Farm

$3,250

$4,793

Allstate

$3,312

$4,952

Allstate

$3,413

$18,150

Allstate

$3,416

$5,953

Allstate

$3,449

$5,042

Allstate

$3,459

$5,506

State Farm

$3,524

$5,004

Allstate

$3,525

$5,270

State Farm

$3,553

$5,663

Travelers

$3,566

$8,122

Nationwide

$3,625

$11,344

Nationwide

$3,625

$11,344

Nationwide

$3,625

$11,344

Travelers

$3,632

$6,514

Travelers

$3,654

$7,815

Allstate

$3,682

$5,383

GEICO

$3,683

$8,125

GEICO

$3,720

$8,430

Allstate

$3,741

$9,915

Allstate

$3,753

$8,069

State Farm

$3,795

$5,499

GEICO

$3,843

$7,384

Allstate

$3,865

$9,919

Progressive

$3,928

$3,733

GEICO

$3,934

$7,819

GEICO

$4,144

$8,974

GEICO

$4,179

$8,609

Allstate

$4,229

$9,383

State Farm

$4,268

$6,185

State Farm

$4,308

$7,043

Farmers

$4,321

$4,122

GEICO

$4,332

$8,925

GEICO

$4,333

$9,250

Travelers

$4,381

$10,069

GEICO

$4,386

$9,996

GEICO

$4,400

$9,527

Farmers

$4,401

$4,290

Allstate

$4,460

$27,901

Travelers

$4,509

$10,268

Farmers

$4,529

$3,619

Progressive

$4,536

$4,310

Farmers

$4,619

$3,822

Allstate

$4,644

$29,132

Farmers

$4,656

$3,853

Farmers

$4,690

$3,965

Farmers

$4,693

$3,884

Farmers

$4,722

$3,772

Travelers

$4,726

$13,905

Allstate

$4,749

$23,729

Progressive

$4,780

$5,436

Progressive

$4,800

$6,068

Farmers

$4,815

$4,083

Progressive

$4,820

$3,978

Progressive

$4,850

$5,849

Farmers

$4,897

$3,912

Progressive

$4,937

$4,691

Allstate

$5,043

$26,818

Progressive

$5,184

$10,095

Progressive

$5,188

$10,703

Progressive

$5,259

$6,648

Farmers

$5,276

$11,866

Progressive

$5,347

$4,412

Progressive

$5,359

$6,463

Farmers

$5,369

$12,624

Progressive

$5,379

$7,683

Progressive

$5,399

$7,223

Travelers

$5,636

$12,954

Farmers

$5,647

$6,262

Progressive

$5,652

$5,569

Farmers

$5,682

$13,361

Progressive

$5,690

$4,696

Farmers

$5,720

$12,863

Progressive

$5,799

$12,852

Progressive

$5,891

$12,429

Travelers

$5,937

$17,913

Progressive

$5,980

$12,336

Farmers

$6,023

$6,664

Progressive

$6,106

$11,892

Farmers

$6,118

$5,964

Farmers

$6,184

$17,635

Farmers

$6,270

$17,570

Farmers

$6,762

$6,451

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.

Company
Annual Premium
Monthly Premium

GEICO

$430

$36

State Farm

$442

$37

GEICO

$465

$39

State Farm

$473

$39

State Farm

$540

$45

GEICO

$610

$51

Nationwide

$630

$53

Travelers

$660

$55

Nationwide

$662

$55

Travelers

$689

$57

Mercury

$744

$62

Travelers

$747

$62

Nationwide

$761

$63

Mercury

$786

$66

Allstate

$860

$72

Allstate

$872

$73

Allstate

$882

$74

State Farm

$931

$78

Farmers

$968

$81

Mercury

$1,008

$84

State Farm

$1,016

$85

Farmers

$1,016

$85

Progressive

$1,050

$88

Progressive

$1,061

$88

GEICO

$1,095

$91

Farmers

$1,142

$95

GEICO

$1,179

$98

Progressive

$1,179

$98

Direct General Insurance

$1,179

$98

State Farm

$1,202

$100

Direct General Insurance

$1,225

$102

Nationwide

$1,274

$106

Nationwide

$1,364

$114

Travelers

$1,401

$117

Direct General Insurance

$1,473

$123

Travelers

$1,476

$123

Nationwide

$1,608

$134

Mercury

$1,632

$136

GEICO

$1,664

$139

Travelers

$1,679

$140

Mercury

$1,746

$145

Progressive

$1,754

$146

Progressive

$1,792

$149

Allstate

$1,868

$156

Allstate

$1,886

$157

Farmers

$1,955

$163

Allstate

$1,978

$165

Progressive

$2,101

$175

Farmers

$2,120

$177

Direct General Insurance

$2,273

$189

Direct General Insurance

$2,313

$193

Mercury

$2,370

$198

Farmers

$2,444

$204

Direct General Insurance

$2,967

$247

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.

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USAA

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?

State Farm

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.

Read MoneyGeek's State Farm Auto Insurance Review

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?

Travelers

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.

Read MoneyGeek's Travelers Auto Insurance Review

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?

GEICO

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.

Read MoneyGeek's GEICO Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.