Land O Lakes, FL Car Insurance

On average, Land O Lakes drivers pay a monthly average rate of around $120 for their car insurance. To learn more about what you're likely to pay in the Land O Lakes area, read our guide below.
Map of cities where drivers can find cheaper car insurance
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

What rates can residents of Land O Lakes expect to pay for their car insurance? Are rates in Land O Lakes higher or lower than those in neighboring areas? How do they compare to the rest of Florida? Find the average cost breakdowns and determining 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$120
United States$80

Looking at the chart above, you can see that the average monthly price in Land O Lakes is in line with pricing for the rest of Florida.

That being said Land O Lakes residents should prepare to pay higher rates for coverage than the rest of the country. It's about $40 more expensive for coverage in Land O Lakes than the average rates for the U.S. as a whole.

Although these are the average car insurance rates in Land O Lakes, you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But don't worry, we've broken down average rates for Land O Lakes residents so that you can get a more accurate idea of what you might pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!

Find your best rate in just a few minutes

Land O Lakes Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data

It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can turn into some real savings when it comes to auto insurance rates. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Land O Lakes may see their rates climb back up once they hit retirement.

Land O Lakes Car Insurance Rates by Gender

Gender Average

Car insurance rates for women are generally cheaper than they are for men. In Land O Lakes, male drivers pay about $15 more a month. As illustrated in the table above, male drivers in the area pay about $128 on average, while female drivers pay around $113 each month.

Land O Lakes Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$141
Multiple Accidents$169
1 Ticket$190
Multiple Tickets$120

Depending on your driving record, your rates can vary quite a lot. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Land O Lakes with a single accident on their record will usually see rates around $141 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $190 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if cheaper car insurance is important to you, keep your record clean and drive safe.

Land O Lakes Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$206
2-3 Years$92
4-5 Years$133
6-7 Years$110
8-10 Years$116
11-14 Years$143
15 Years or Older$102

According to the first table above, the cheapest vehicles to insure in Land O Lakes are usually trucks and vans, at $106 per month.

SUV drivers will see rates of about $116 to insure their vehicle, while car owners by and large pay around $128 per month.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you might start to see your rates slide back down slightly. In Land O Lakes, vehicles less than one year old are the most expensive to insure.

Land O Lakes Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$129

Overall, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

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 $26 a month.

Land O Lakes Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Live with parents$211

Another factor taken into consideration is your living situation. In Land O Lakes, homeowners can expect to pay around $24 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Land O Lakes, FL

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance policy.

In Land O Lakes, the rates for auto insurance dropped from 2017-2019, when they reached a low of $105, but began to increase from 2020-2021. They finished down in 2022, at $96.

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 take in a variety of factors when choosing how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:

  • Regional laws
  • Prevalence of crime
  • Road Safety (total number of local car accidents)
  • Off-street parking accessibility
  • Number of drivers in the area

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?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Fortunately, does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Land O Lakes.

Find your best rate in just a few minutes

Land O Lakes Auto 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 age and gender, as well as your address, credit score, driving record, and marital status.

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

Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, parking situations, and crime rates -- which can vary from city to city -- can significantly affect your rate.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like to compare multiple quotes at once.

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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Land O Lakes or just curious if you're getting the best rates, why not take 10 minutes and see if can save you some extra cash?

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes