Lakeland, FL Car Insurance

The average monthly cost for car insurance in Lakeland is about $114. To learn more about what you're likely to pay in the Lakeland area, read our guide below.
What rates should residents of Lakeland expect to pay for their car insurance? How does Lakeland compare to the surrounding area and the rest of Florida? Find the average cost breakdowns and determining factors in the charts and writeups below:  

How much is car insurance in Lakeland?

Area Average Monthly Car Insurance Premium
Lakeland$114
FL$122
United States$80

Based on the above chart, auto insurance policies in Lakeland are about $8 a month cheaper than in the rest of Florida.

That being said Lakeland residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's around $34 more expensive to insure your vehicle in Lakeland compared to the average rate for the rest of the U.S.

Although these are the average rates for auto insurance in Lakeland, it's important to remember that you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.

Don't sweat it however, we've broken down average rates for Lakeland residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$291
18-24$152
25-34$115
35-44$101
45-54Not Enough Data
55-64$87
65+$88

The older you are, the more experience you're likely to have behind the wheel, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $64 more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Having said that, once you approach retirement age your rates may rise again in Lakeland.

Average Car Insurance Rates by Gender

Gender Average
Male$119
Female$109

Male drivers pay, on average. slightly more than female drivers for auto insurance. In Lakeland, male drivers pay about $10 more per month. As you can see in the table above, male drivers in the area typically pay $119 on average, while female drivers typically pay $109 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$127
Multiple Accidents$166
1 Ticket$120
Multiple Tickets$160

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Lakeland with one accident will pay around $127 a month. In addition, drivers with a single ticket on their record can expect to pay around $120 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$131
2-3 Years$115
4-5 Years$113
6-7 Years$124
8-10 Years$116
11-14 Years$109
15 Years or Older$114

According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Lakeland, with drivers paying around $94 per month for auto insurance.

SUV drivers will see rates of about $108, while the rates for car owners average out to about $119 a month.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old you may start to see your rates drop back down a bit. In Lakeland, the most expensive vehicles to insure are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$116
Married$107
Divorced$111
Widowed$104

Overall, people who are married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.

At a national level, single drivers usually pay more than married couples do for auto insurance. Lakeland follows that pattern, with the difference totaling to around $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$97
Rent$114
Live with parents$146

Your living accommodations is another factor that affects your monthly rate. If you rent your home or apartment in Lakeland, expect to pay around $17 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Lakeland, FL

Recent trends in car insurance for Lakeland drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

The cost of auto insurance in Lakeland rose from 2016-2018, before steadying out in 2019. Policy premiums finished down in 2021, at $96 per month

How does Lakeland compare to neighboring areas?

Why are car insurance rates in Lakeland different from other areas?

Car insurance companies look at a number of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Road safety
  • Crime
  • Amount of drivers in the area
  • Area regulations
  • Off-street parking availability

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Lakeland?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Don't worry, Compare.com has you covered. Just type in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Lakeland in no time.

Compare the cheapest quotes from dozens of insurance companies

Lakeland Insurance FAQs

What factors affect car insurance quotes in Lakeland?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Lakeland different from other neighboring cities?

Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Lakeland?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lakeland?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lakeland or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes