Land O Lakes, FL Car Insurance

Drivers in Land O Lakes pay around $123 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How does Land O Lakes stack up to the rest of the area, or even Florida as a whole? What can Land O Lakes residents expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Land O Lakes?

Area Average Monthly Car Insurance Premium
Land O Lakes$123
FL$122
United States$80

Based on the chart above, you can see that the costs for coverage in Land O Lakes are in line with rates across the rest of Florida.

If you're considering relocating to Land O Lakes from out of state, you may want to budget a little extra for your insurance. The cost of auto coverage in Land O Lakes is about $43 more expensive than the national average.

Although these are the average rates for auto insurance in Land O Lakes, 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 worry, we've done the work for you and broken down the average rates for Land O Lakes to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$179
25-34$101
35-44$99
45-54Not Enough Data
55-64$96
65+$106

The older you are, the more experience you're likely to have behind the wheel, right? That experience pays off when it comes to auto insurance. As you can see, 18-24-year-olds pay significantly more than drivers 65 and older.

You can expect to see your monthly premium drop about once a decade or so. Drivers in Land O Lakes may see their rates begin to go back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$130
Female$117

On average, female drivers pay slightly less than male drivers for car insurance. This is true in Land O Lakes, where women pay around $13 less per month. As illustrated in the table above, female drivers in the area pay about $117 on average, while male drivers pay around $130 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$147
Multiple Accidents$235
1 Ticket$337
Multiple Tickets$115

Rates can change drastically depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Land O Lakes, having a single accident on your record will usually get you rates around $147 a month. In addition, drivers with one ticket can expect to pay around $337 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$220
2-3 Years$94
4-5 Years$117
6-7 Years$119
8-10 Years$124
11-14 Years$143
15 Years or Older$102

The most affordable vehicles to insure in Land O Lakes are by and large trucks and vans, which run about $107 per month.

Car owners can expect to pay an average of around $129 a month for their policy, while SUVs usually cost around $121 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Land O Lakes, 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)$133
Married$105
Divorced$118
Widowed$111

Overall, those who have settled down into marriage will pay slightly less to insure their vehicle. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Land O Lakes reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $28 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$98
Rent$133
Live with parents$211

Another factor that comes into play is your housing situation. Drivers who own property in Land O Lakes can expect to pay around $35 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.

Car Insurance Companies in Land O Lakes, FL

Recent trends in car insurance for Land O Lakes drivers

Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.

Car insurance rates in Land O Lakes have been mixed recently. They rose in 2016, decreased in 2018, and increased again in 2020, before finishing at $144 in 2021.

How does Land O Lakes compare to neighboring areas?

Why are car insurance rates in Land O Lakes different from other areas?

There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The specifics of where you park your car will have an impact on your personal policy. This might include things like:

  • Local crime rates
  • Regional laws
  • Total number of drivers in the region
  • Off-street parking availability
  • Road Safety (total number of local car accidents)

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Land O Lakes?

Equipping 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.

But wait! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Land O Lakes.

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Land O Lakes Insurance FAQs

What factors affect car insurance quotes in Land O Lakes?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your address, driving record, credit score, and marital status.

Why is the cost of car insurance in Land O Lakes different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Land O Lakes?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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 Land O Lakes?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Land O Lakes or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

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