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 |
| $54 | $647 | Dairyland | 42 | August 12, 2025 | Lakeland, FL | 33812 |
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
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 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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 |
| $92 | $1,108 | National General | 21 | No | July 3, 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 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 |
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 |
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 |
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 | $83 | $991 | National General | 45 | May 3, 2025 | Lakeland, FL | 33803 |
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 |
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 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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.
