You’ll need car insurance to legally drive Lakeland’s major roads such as Interstate 4, State Road 60, and U.S. 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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$57 | $680 | Progressive | 28 | May 6, 2024 | Lakeland, FL | 33801 |
$92 | $1,098 | Progressive | 46 | September 20, 2024 | Lakeland, FL | 33801 |
$101 | $1,214 | Progressive | 65 | August 19, 2024 | Lakeland, FL | 33805 |
$103 | $1,239 | National General | 27 | February 24, 2025 | Lakeland, FL | 33801 |
$112 | $1,342 | Progressive | 42 | July 8, 2024 | Lakeland, FL | 33801 |
$114 | $1,368 | Progressive | 61 | October 25, 2024 | Lakeland, FL | 33815 |
$117 | $1,408 | Progressive | 46 | November 6, 2024 | Lakeland, FL | 33805 |
$119 | $1,425 | Progressive | 52 | December 13, 2024 | Lakeland, FL | 33812 |
$123 | $1,472 | Progressive | 52 | June 11, 2024 | Lakeland, FL | 33801 |
$128 | $1,530 | Progressive | 69 | June 2, 2024 | Lakeland, FL | 33811 |
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
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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|
$82 | $982 | Bristol West | 72 | March 19, 2025 | Lakeland, FL | 33815 |
$88 | $1,053 | National General | 61 | March 2, 2025 | Lakeland, FL | 33801 |
$94 | $1,128 | Progressive | 60 | January 2, 2024 | Lakeland, FL | 33809 |
$99 | $1,184 | National General | 26 | April 24, 2025 | Lakeland, FL | 33811 |
$103 | $1,239 | National General | 27 | February 24, 2025 | Lakeland, FL | 33801 |
$112 | $1,342 | Progressive | 42 | July 8, 2024 | Lakeland, FL | 33801 |
$114 | $1,368 | Progressive | 61 | October 25, 2024 | Lakeland, FL | 33815 |
$117 | $1,408 | Progressive | 46 | November 6, 2024 | Lakeland, FL | 33805 |
$119 | $1,429 | National General | 32 | March 3, 2025 | Lakeland, FL | 33812 |
$121 | $1,450 | National General | 41 | September 25, 2024 | Lakeland, FL | 33805 |
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. Insurers 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.
Monthly Quote
|
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 |
$83 | $990 | National General | 29 | No | March 9, 2025 | Lakeland, FL | 33803 |
$99 | $1,184 | National General | 26 | Yes | April 24, 2025 | Lakeland, FL | 33811 |
$103 | $1,239 | National General | 27 | Yes | February 24, 2025 | Lakeland, FL | 33801 |
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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$59 | $706 | Progressive | 48 | No | February 14, 2024 | Lakeland, FL | 33813 |
$61 | $726 | Assurance America | 52 | No | February 22, 2024 | Lakeland, FL | 33803 |
$70 | $836 | The General | 37 | No | January 2, 2024 | Lakeland, FL | 33811 |
$75 | $902 | Embark General | 40 | No | March 8, 2024 | Lakeland, FL | 33809 |
$81 | $976 | Assurance America | 45 | No | February 16, 2024 | Lakeland, FL | 33810 |
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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
Has Full Coverage
|
---|---|---|---|---|---|---|---|
$47 | $568 | National General | 64 | March 30, 2025 | Lakeland, FL | 33815 | No |
$75 | $904 | Assurance America | 66 | December 3, 2023 | Lakeland, FL | 33801 | No |
$76 | $907 | Assurance America | 57 | September 26, 2024 | Lakeland, FL | 33810 | No |
$82 | $980 | Assurance America | 68 | February 1, 2024 | Lakeland, FL | 33810 | No |
$82 | $982 | Bristol West | 72 | March 19, 2025 | Lakeland, FL | 33815 | Yes |
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.
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
Has Full Coverage
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
$47 | $568 | National General | 64 | March 30, 2025 | No | Lakeland, FL | 33815 |
$57 | $680 | Progressive | 28 | May 6, 2024 | No | Lakeland, FL | 33801 |
$59 | $706 | Progressive | 48 | February 14, 2024 | No | Lakeland, FL | 33813 |
$59 | $711 | National General | 29 | December 15, 2024 | No | Lakeland, FL | 33803 |
$61 | $726 | Assurance America | 52 | February 22, 2024 | No | Lakeland, FL | 33803 |
$75 | $904 | Assurance America | 66 | December 3, 2023 | No | Lakeland, FL | 33801 |
$76 | $907 | Assurance America | 57 | September 26, 2024 | No | Lakeland, FL | 33810 |
$81 | $976 | Assurance America | 45 | February 16, 2024 | No | Lakeland, FL | 33810 |
$82 | $980 | Assurance America | 68 | February 1, 2024 | No | Lakeland, FL | 33810 |
$82 | $982 | Bristol West | 72 | March 19, 2025 | Yes | Lakeland, FL | 33815 |
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
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
<550 | $75 | $904 | Assurance America | 66 | December 3, 2023 | Lakeland, FL | 33801 |
<550 | $76 | $907 | Assurance America | 57 | September 26, 2024 | Lakeland, FL | 33810 |
<550 | $82 | $980 | Assurance America | 68 | February 1, 2024 | Lakeland, FL | 33810 |
<550 | $82 | $982 | Bristol West | 72 | March 19, 2025 | Lakeland, FL | 33815 |
<550 | $112 | $1,340 | Progressive | 36 | February 17, 2024 | Lakeland, FL | 33805 |
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 their records, based on Jerry’s quote data.
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|---|
At Fault With No Injury | $75 | $902 | Embark General | 40 | No | March 8, 2024 | Lakeland, FL | 33809 |
At Fault With No Injury | $90 | $1,076 | Embark General | 62 | No | July 8, 2024 | Lakeland, FL | 33809 |
At Fault With No Injury | $99 | $1,184 | National General | 26 | Yes | April 24, 2025 | Lakeland, FL | 33811 |
At Fault With No Injury | $115 | $1,374 | Assurance America | 49 | No | September 27, 2024 | Lakeland, FL | 33805 |
At Fault With No Injury | $123 | $1,472 | Progressive | 52 | No | June 11, 2024 | Lakeland, FL | 33801 |
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
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
---|---|---|---|---|---|---|---|
Speeding under 15 | $159 | $1,904 | Gainsco | 37 | April 30, 2024 | Lakeland, FL | 33815 |
Speeding over 15 | $176 | $2,114 | National General | 32 | January 13, 2025 | Lakeland, FL | 33801 |
Speeding under 15 | $181 | $2,171 | Assurance America | 41 | May 21, 2024 | Lakeland, FL | 33809 |
Speeding over 15 | $203 | $2,438 | National General | 55 | September 25, 2024 | Lakeland, FL | 33801 |
Speeding over 15 | $224 | $2,692 | The General | 38 | February 17, 2024 | Lakeland, FL | 33810 |
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.

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.

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.