Lakeland, FL Car Insurance

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How much does car insurance cost in Lakeland?

 

The average cost of car insurance in Lakeland, Florida, is $2,199 each year. That's less expensive than the statewide average in Florida ($2,309) and more costly than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Lakeland.

 
AUTO INSURANCE COSTS: LAKELAND VS. STATE AND US AVERAGES
Lakeland Average (annual)Florida AverageNational Average
$2,199$2,309$1,548
 
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Lakeland car insurance rates by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Lakeland, State Farm offers the cheapest rates for the average insurance customer. See below the best companies for cheap auto insurance in Lakeland — but don't forget to get personalized car insurance quotes to match your driving profile.

 
LAKELAND CAR INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
State Farm$1,453
GEICO$2,068
Progressive$2,640
Allstate$2,895
 

Read our guide to finding the best cheap auto insurance.

 
 

 

Lakeland auto insurance rates by age

Lakeland drivers in their age_50s pay relatively affordable car insurance rates just $2,009 each year, on average. Those in their 60s don't pay significantly more ($2,054).

Young drivers aged 16 to 19 pay the most for car insurance in Lakeland. When drivers hit their 20s in Lakeland and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Lakeland is $3,439, the largest such difference between any two age groups.

 
CAR INSURANCE RATES BY AGE TIER IN LAKELAND
Age tierAverage Yearly Rate
Teenagers$6,249
20s$2,810
30s$2,190
40s$2,146
50s$2,009
60s$2,054
70s$2,511
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Lakeland car insurance premiums by gender and marital status

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Lakeland, married motorists pay $95 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Lakeland, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. In Lakeland, female drivers pay $46 per year more than do male drivers.

 
INSURANCE RATES IN LAKELAND BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$2,245
Male$2,199
Single$2,104
Married$2,104
Divorced$2,199
Widowed$2,154
 

Learn more about how gender and marital status have on auto insurance rates.

 
 

 

Lakeland car insurance costs by accident and violation history

 

Maintaining a clean driving record is one of the best ways to keep your car insurance costs low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Lakeland drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $1,201 per year versus the city average. A ticket for speeding results in a $579 rate hike while a DWI or DUI violation costs $1,095 per year in extra insurance expenditures.

 
LAKELAND CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Incident/ViolationAverage Annual Rate
DWI/DUI$3,293
Reckless Driving$3,399
At-fault Accident (damages less than $1,000)$3,040
At-fault Accident (damages > $2,000)$3,040
Speeding Ticket (16-20 mph over speed limit)$2,778
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Lakeland car insurance rates by credit score

 

Credit score is often closely correlated with car insurance costs. In Lakeland, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 59% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Lakeland, improving your credit to "Fair" corresponds with a $1,647 decrease in annual car insurance rates.

 
LAKELAND CAR INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Annual Rate
Very Poor$4,344
Fair$2,697
Good$2,199
Very Good$1,992
Exceptional$1,767
 

Get additional information on how credit impacts car insurance costs.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.