Lakeland Car Insurance

The Zebra
May 30, 2018

Car Insurance in Lakeland

Lakeland is recognized for its low-cost premiums, as its mean premium falls below Florida's average by 6%. Who doesn't like to save money? Check out some tips about how to save on car insurance in Lakeland.

  • City Average: $1,768
  • State Average: $1,878
  • National Average: $1,427

Lakeland Car Insurance by Gender and Marital Status

Car insurance premiums in Lakeland vary depending on driver attributes such as marital status and gender. You can save around 5% per year if you're married as opposed to single. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for men and women tend to differ by 2%, with women paying more.

  • Female: $1,804
  • Male: $1,768
  • Single: $1,768
  • Married: $1,687
  • Divorced: $1,768
  • Widowed: $1,727

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Lakeland Car Insurance by Credit Rating

Those with Very Poor credit (300-579) pay an average of more than twice as much every year for car insurance than those with Exceptional credit (800-850). In terms of percent change, the most notable benefit of better credit comes from boosting from Fair (580-669) to Good (670-739), by which drivers can save an average of 19% per year.

  • Very Poor: $3,394
  • Fair: $2,779
  • Good: $2,262
  • Very Good: $1,852
  • Exceptional: $1,549

Lakeland Car Insurance by Accident or Violation History

Prior accidents and violations can cost you in terms of premiums. A DUI will increase your car insurance premiums more than other driving violations. Generally, a DUI in Lakeland will cost you 54% more in car insurance premiums versus the city average ($1,768). Reckless driving will push your premiums up as well, with typical rates of $2,698, which are 53% higher than the city average! Accidents happen, even to safe drivers, so be prepared and learn what can happen to your rates after one. If you are found at-fault in an accident in Lakeland, expect your yearly car insurance premiums to increase by 38%.

  • DUI: $2,718
  • Reckless Driving: $2,698
  • At-fault Accident (damages less than $1000): $2,435
  • At-fault Accident (damages greater than $2000): $2,435
  • Speeding Ticket (16-20 mph over speed limit): $2,299

Lakeland Car Insurance by Age

The most significant decline in premiums for Lakeland drivers happens when they hit their 20s. Once out of the teenage age bracket, they save an average of $2,624 on car insurance. Car insurance premiums in Lakeland continue to trend downward up until drivers turn 60. With car insurance payments of $4,943 on average, teenage drivers have the biggest premiums amongst all the age groups. Looking across all age groups, drivers in their 50s have the smallest payments. Their rates normally average $1,607. Those in their 60s ($1,639) have premiums that aren't much higher.

  • Teenagers: $4,943
  • 20s: $2,320
  • 30s: $1,758
  • 40s: $1,722
  • 50s: $1,607
  • 60s: $1,639
  • 70s: $1,990