Cheap Car Insurance in Lakeland, FL

Written by Xuyun Zeng and 1 other
Updated Mar 21, 2025
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Cheap Car Insurance in Lakeland, FL

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You’re minutes away from insurance savings.

You’ll need car insurance to legally drive Lakeland’s major roads such as I-4, State Road 60, and US 27.

Make sure you’re financially protected with the proper coverage. Jerry can help Lakeland drivers find the cheapest car insurance policy, based on age, driving history and zip code.

Cheapest minimum coverage insurance in Lakeland

Check out the cheapest minimum coverage quotes in Lakeland, based on Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$47 $559 National General 42 January 12, 2025 Lakeland, FL 33815
$50 $602 Progressive 48 February 9, 2024 Lakeland, FL 33813
$53 $636 Progressive 67 October 5, 2023 Lakeland, FL 33805
$57 $680 Progressive 28 May 6, 2024 Lakeland, FL 33801
$59 $706 Progressive 48 February 14, 2024 Lakeland, FL 33813
$59 $707 National General 50 February 4, 2025 Lakeland, FL 33809
$59 $709 Assurance America 52 October 30, 2024 Lakeland, FL 33805
$59 $711 National General 29 December 15, 2024 Lakeland, FL 33803
$61 $726 Assurance America 52 February 22, 2024 Lakeland, FL 33803
$61 $732 Progressive 57 September 15, 2024 Lakeland, FL 33810
Last Updated Mar 24, 2025

Florida requires drivers to carry these minimum coverages:

  • $10,000 in personal injury protection (PIP) coverage.
  • $10,000 in property damage liability coverage.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

Find affordable car insurance in minutes.

Cheapest full coverage insurance in Lakeland, FL

If a hurricane strikes Lakeland, traffic lights could lose power, debris could go flying, trees may get uprooted and flooding may occur. Should any of this damage your car, minimum coverage won’t pay for the repairs — but full coverage could. Here are the cheapest quotes for full coverage that drivers in Lakeland have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$59 $707 National General 50 February 4, 2025 Lakeland, FL 33809
$61 $732 Progressive 57 September 15, 2024 Lakeland, FL 33810
$63 $754 Progressive 68 October 27, 2023 Lakeland, FL 33813
$73 $879 Assurance America 53 May 5, 2024 Lakeland, FL 33810
$75 $895 National General 46 November 6, 2024 Lakeland, FL 33805
$82 $982 Bristol West 72 March 19, 2025 Lakeland, FL 33815
$82 $986 Progressive 42 July 21, 2024 Lakeland, FL 33813
$83 $992 Progressive 50 February 4, 2025 Lakeland, FL 33809
$84 $1,005 National General 43 February 21, 2025 Lakeland, FL 33801
$88 $1,053 National General 61 March 2, 2025 Lakeland, FL 33801
Last Updated Mar 24, 2025

Cheapest car insurance for young drivers in Lakeland (18-29 years old)

Young drivers are likely to pay the highest premiums because insurers view them as riskier drivers. Different companies weigh that risk differently, so it’s wise to compare quotes from multiple insurers. Here are the cheapest quotes that young Jerry customers in Lakeland have received.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$57 $680 Progressive 28 No May 6, 2024 Lakeland, FL 33801
$59 $711 National General 29 No December 15, 2024 Lakeland, FL 33803
$63 $758 National General 27 No November 11, 2024 Lakeland, FL 33815
$64 $762 National General 25 No January 15, 2025 Lakeland, FL 33813
$68 $813 National General 26 No March 3, 2025 Lakeland, FL 33810
Last Updated Mar 24, 2025

Cheapest car insurance for mature drivers in Lakeland (30-54 years old)

Drivers between 30 and 54 years old tend to get lower rates than younger drivers. These are the cheapest quotes that mature drivers in Lakeland have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$47 $559 National General 42 No January 12, 2025 Lakeland, FL 33815
$50 $602 Progressive 48 No February 9, 2024 Lakeland, FL 33813
$59 $702 Bristol West 44 No July 12, 2024 Lakeland, FL 33810
$59 $706 Progressive 48 No February 14, 2024 Lakeland, FL 33813
$59 $707 National General 50 No February 4, 2025 Lakeland, FL 33809
Last Updated Mar 24, 2025

Cheapest car insurance for older drivers in Lakeland (55+ years old)

Older drivers above 54 years old are likely to pay the lowest insurance rates until they reach their 70s, where rates could start ticking upwards. These are the cheapest quotes for older drivers in Lakeland, based on Jerry’s data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Has Full Coverage
$53 $636 Progressive 67 October 5, 2023 Lakeland, FL 33805 No
$61 $732 Progressive 57 September 15, 2024 Lakeland, FL 33810 Yes
$61 $738 Embark General 66 November 20, 2023 Lakeland, FL 33809 No
$63 $754 Progressive 68 October 27, 2023 Lakeland, FL 33813 Yes
$65 $784 Embark General 75 September 25, 2023 Lakeland, FL 33801 No
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with clean records in Lakeland

Drivers in Lakeland with no accidents, claims or violations can typically get the cheapest premiums. Check out the following quotes for Lakeland drivers with clean driving records, based on Jerry’s quote data.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$47 $559 National General 42 January 12, 2025 No Lakeland, FL 33815
$50 $602 Progressive 48 February 9, 2024 No Lakeland, FL 33813
$53 $636 Progressive 67 October 5, 2023 No Lakeland, FL 33805
$57 $680 Progressive 28 May 6, 2024 No Lakeland, FL 33801
$59 $706 Progressive 48 February 14, 2024 No Lakeland, FL 33813
$59 $707 National General 50 February 4, 2025 No Lakeland, FL 33809
$59 $707 National General 50 February 4, 2025 Yes Lakeland, FL 33809
$59 $711 National General 29 December 15, 2024 No Lakeland, FL 33803
$61 $726 Assurance America 52 February 22, 2024 No Lakeland, FL 33803
$61 $738 Embark General 66 November 20, 2023 No Lakeland, FL 33809
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with low credit scores in Lakeland

Florida allows insurers to set rates based on drivers’ credit scores, and having a lower score could cause your premiums to increase. Here are the quotes that Lakeland drivers have received with a credit score under 550.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $62 $746 National General 52 December 13, 2024 Lakeland, FL 33812
<550 $69 $832 Embark General 35 November 3, 2023 Lakeland, FL 33810
<550 $70 $844 Embark General 35 December 16, 2024 Lakeland, FL 33801
<550 $72 $861 Assurance America 49 May 6, 2024 Lakeland, FL 33805
<550 $73 $879 Assurance America 53 May 5, 2024 Lakeland, FL 33810
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with at-fault accidents in Lakeland

An accident typically causes your premiums to rise, so it’s wise to compare quotes from various insurers to keep costs as low as possible. Here are the cheapest quotes for drivers in Lakeland with an at-fault accident on record, based on Jerry’s quote data.

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $64 $762 National General 25 No January 15, 2025 Lakeland, FL 33813
At Fault With No Injury $70 $844 Embark General 35 No December 16, 2024 Lakeland, FL 33801
At Fault With No Injury $75 $902 Embark General 40 No March 8, 2024 Lakeland, FL 33809
At Fault With No Injury $81 $977 National General 38 No October 23, 2024 Lakeland, FL 33811
At Fault With No Injury $83 $992 National General 27 No February 6, 2025 Lakeland, FL 33815
Last Updated Mar 24, 2025

Cheapest car insurance for drivers with speeding tickets in Lakeland

After getting a citation for speeding, you’ll likely see a higher auto insurance bill. If you’ve just received a speeding ticket, it’s wise to shop around for a better rate before your policy renews, as you might get a lower rate with another insurer. Here are the cheapest quotes that Lakeland drivers with speeding tickets have received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $111 $1,332 Gainsco 27 January 22, 2025 Lakeland, FL 33801
Speeding over 15 $111 $1,336 Bristol West 30 October 27, 2023 Lakeland, FL 33810
Speeding over 15 $113 $1,351 Assurance America 30 January 6, 2025 Lakeland, FL 33810
Speeding over 15 $114 $1,364 Assurance America 27 February 25, 2025 Lakeland, FL 33801
Speeding under 15 $114 $1,365 National General 42 January 9, 2025 Lakeland, FL 33815
Last Updated Mar 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Ben Moore

Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.

Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.