Land O Lakes, FL Car Insurance

On average, Land O Lakes drivers pay around $121 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How does Land O Lakes compare to the surrounding area and the rest of Florida? What rates can residents of Land O Lakes expect to pay for their car insurance? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Land O Lakes?

Area Average Monthly Car Insurance Premium
Land O Lakes$121
FL$123
United States$81

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.

Compared to the national average cost of auto coverage, Land O Lakes has higher rates. It's about $40 more expensive than the national average to insure your vehicle in Land O Lakes.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've analyzed the average rate for Land O Lakes and broken down the different factors to help you understand what your monthly bill might look like. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$178
25-34$99
35-44$95
45-54$131
55-64$96
65+$97

The older you are, the more experienced you are on the roads. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay $81 more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. As you get closer to retirement, however, you may see your rates begin to go back up in Land O Lakes.

Average Car Insurance Rates by Gender

Gender Average
Male$129
Female$114

In general, female drivers pay less for car insurance than their male counterparts. In Land O Lakes, this difference shakes out to about $15 a month. As you can see in the chart above, car insurance for women in the area typically costs around $114 each month, while men pay $129 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$141
Multiple Accidents$169
1 Ticket$201
Multiple Tickets$120

Your rates can change quite drastically depending on your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Land O Lakes, drivers with one accident on their record will experience rates around $141 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $201.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$206
2-3 Years$95
4-5 Years$133
6-7 Years$110
8-10 Years$118
11-14 Years$143
15 Years or Older$101

According to the first table above, the cheapest vehicles to insure in Land O Lakes are by and large trucks and vans, at $109 per month.

Car owners can expect to pay an average of around $127 a month for their policy, while SUVs usually cost around $116 a month to insure.

The age of your vehicle has an impact on the cost of your policy as well. Generally, the most expensive vehicles to insure are going to be newer ones. Once your car is a few years old, however, you may see your rates begin to drop back down. 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)$129
Married$104
Divorced$118
Widowed$111

Generally speaking, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Land O Lakes follows that pattern, with the difference totaling to around $25 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$101
Rent$126
Live with parents$213

Your living accommodations is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $25 a month more than homeowners in Land O Lakes. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average costs, depending on your insurance company.

Car Insurance Companies in Land O Lakes, FL

Recent trends in car insurance for Land O Lakes drivers

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

In Land O Lakes, the rates for car insurance dropped from 2017-2019, when they reached a low of $105, but began to increase from 2020-2021. Policy premiums finished down in 2022, at $86.

How does Land O Lakes compare to neighboring areas?

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

Car insurance companies will take into account a variety of factors when they're figuring out 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:

  • Rate of car accidents
  • Number of drivers in the community
  • Area regulations
  • Local crime rates
  • Availability of off-street parking

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

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

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.

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

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Land O Lakes Insurance FAQs

What factors affect car insurance quotes in Land O Lakes?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.

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

Things like crime rates, parking situations, and local laws, 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 Land O Lakes?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Land O Lakes?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Land O Lakes or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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