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 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.

More: Best car insurance in Florida

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 Quote
City, State
ZIP Code
$39 $468 Infinity 41 July 8, 2025 Lakeland, FL 33811
$40 $478 National General 42 June 21, 2025 Lakeland, FL 33809
$40 $480 National General 60 June 11, 2025 Lakeland, FL 33811
$41 $494 National General 46 June 27, 2025 Lakeland, FL 33803
$45 $534 National General 42 July 20, 2025 Lakeland, FL 33813
$46 $556 National General 41 June 21, 2025 Lakeland, FL 33811
$47 $558 The General 46 June 27, 2025 Lakeland, FL 33812
$49 $590 National General 73 March 24, 2025 Lakeland, FL 33811
$52 $618 The General 42 June 22, 2025 Lakeland, FL 33815
$55 $654 Infinity 48 May 5, 2025 Lakeland, FL 33801
Last Updated Jul 30, 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.

More: Cheapest car insurance in Florida

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 Quote
City, State
ZIP Code
$77 $928 ROOT 40 July 7, 2025 Lakeland, FL 33810
$83 $998 National General 72 March 19, 2025 Lakeland, FL 33815
$86 $1,032 Bristol West 52 June 1, 2025 Lakeland, FL 33805
$88 $1,052 National General 42 June 10, 2025 Lakeland, FL 33813
$94 $1,122 Bristol West 53 June 4, 2025 Lakeland, FL 33801
$98 $1,176 ROOT 27 July 4, 2025 Lakeland, FL 33810
$99 $1,192 National General 40 June 20, 2025 Lakeland, FL 33801
$100 $1,198 National General 25 July 2, 2025 Lakeland, FL 33801
$105 $1,260 Embark General 42 June 21, 2025 Lakeland, FL 33809
$114 $1,362 Gainsco 42 June 22, 2025 Lakeland, FL 33805
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Best car insurance companies

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 Quote
City, State
ZIP Code
$74 $886 Embark General 23 No April 24, 2025 Lakeland, FL 33813
$76 $908 ROOT 27 No July 4, 2025 Lakeland, FL 33810
$83 $990 National General 21 No March 10, 2025 Lakeland, FL 33809
$83 $994 Bristol West 24 No May 13, 2025 Lakeland, FL 33809
$85 $1,014 National General 22 No February 11, 2025 Lakeland, FL 33815
Last Updated Jul 30, 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$40 $478 National General 42 No June 21, 2025 Lakeland, FL 33809
$47 $558 The General 46 No June 27, 2025 Lakeland, FL 33812
$55 $664 Bristol West 42 No June 21, 2025 Lakeland, FL 33815
$57 $680 The General 35 No July 28, 2025 Lakeland, FL 33810
$60 $720 Assurance America 41 No July 7, 2025 Lakeland, FL 33813
Last Updated Jul 30, 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$40 $480 National General 60 June 11, 2025 Lakeland, FL 33811 No
$49 $590 National General 73 March 24, 2025 Lakeland, FL 33811 No
$57 $686 Safeco 72 March 20, 2025 Lakeland, FL 33815 No
$58 $698 Assurance America 56 June 12, 2025 Lakeland, FL 33801 No
$66 $788 National General 73 April 7, 2025 Lakeland, FL 33810 No
Last Updated Jul 30, 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$40 $478 National General 42 June 21, 2025 No Lakeland, FL 33809
$40 $480 National General 60 June 11, 2025 No Lakeland, FL 33811
$47 $558 The General 46 June 27, 2025 No Lakeland, FL 33812
$49 $590 National General 73 March 24, 2025 No Lakeland, FL 33811
$55 $664 Bristol West 42 June 21, 2025 No Lakeland, FL 33815
$57 $680 The General 35 July 28, 2025 No Lakeland, FL 33810
$57 $686 Safeco 72 March 20, 2025 No Lakeland, FL 33815
$58 $698 Assurance America 56 June 12, 2025 No Lakeland, FL 33801
$60 $720 Assurance America 41 July 7, 2025 No Lakeland, FL 33813
$60 $722 Progressive 48 May 5, 2025 No Lakeland, FL 33801
Last Updated Jul 30, 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
Monthly Quote
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 $70 $844 Embark General 35 December 16, 2024 Lakeland, FL 33801
<550 $76 $907 Assurance America 57 September 26, 2024 Lakeland, FL 33810
<550 $79 $950 The General 29 June 18, 2025 Lakeland, FL 33809
<550 $82 $980 Assurance America 68 February 1, 2024 Lakeland, FL 33810
Last Updated Jul, 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 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 $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 $83 $998 National General 27 No February 27, 2025 Lakeland, FL 33815
At Fault With No Injury $90 $1,076 Embark General 62 No July 8, 2024 Lakeland, FL 33809
At Fault With No Injury $100 $1,195 Dairyland 26 No July 21, 2025 Lakeland, FL 33809
Last Updated Jul, 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 go shopping for car insurance to get 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 over 15 $73 $876 National General 43 June 27, 2025 Lakeland, FL 33803
Speeding under 15 $100 $1,195 Dairyland 26 July 21, 2025 Lakeland, FL 33809
Speeding over 15 $102 $1,228 Bristol West 27 July 21, 2025 Lakeland, FL 33801
Speeding over 15 $117 $1,402 Progressive 29 August 5, 2024 Lakeland, FL 33813
Speeding under 15 $139 $1,666 Bristol West 28 May 4, 2025 Lakeland, FL 33801
Last Updated Jul, 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.