Cheap Car Insurance in Lakeland, FL

Written by Xuyun Zeng and 1 other
Updated Mar 21, 2025
Insurance price card

Cheap Car Insurance in Lakeland, FL

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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

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$61 $732 Progressive 57 September 15, 2024 Lakeland, FL 33810
$69 $831 Safeco 37 January 2, 2024 Lakeland, FL 33811
$79 $953 National General 38 May 26, 2025 Lakeland, FL 33815
$82 $982 Bristol West 72 March 19, 2025 Lakeland, FL 33815
$82 $986 Progressive 42 July 21, 2024 Lakeland, FL 33813
$87 $1,049 National General 37 May 24, 2025 Lakeland, FL 33813
$94 $1,128 Progressive 60 January 2, 2024 Lakeland, FL 33809
$99 $1,184 National General 26 April 24, 2025 Lakeland, FL 33811
$102 $1,218 National General 69 March 21, 2025 Lakeland, FL 33811
$106 $1,274 Progressive 43 April 22, 2024 Lakeland, FL 33811
Last Updated Jun 14, 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. 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
$61 $732 National General 25 No June 11, 2025 Lakeland, FL 33811
$68 $820 Assurance America 27 No April 26, 2025 Lakeland, FL 33809
$83 $990 National General 29 No March 9, 2025 Lakeland, FL 33803
Last Updated Jun 13, 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 Policy
City, State
ZIP Code
$59 $702 Bristol West 44 No July 12, 2024 Lakeland, FL 33810
$60 $724 National General 38 No April 23, 2025 Lakeland, FL 33811
$61 $726 Assurance America 52 No February 22, 2024 Lakeland, FL 33803
$62 $746 National General 52 No December 13, 2024 Lakeland, FL 33812
$69 $831 Safeco 37 Yes January 2, 2024 Lakeland, FL 33811
Last Updated Jun 13, 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 Policy
City, State
ZIP Code
Has Full Coverage
$61 $732 Progressive 57 September 15, 2024 Lakeland, FL 33810 Yes
$68 $812 Progressive 60 February 12, 2024 Lakeland, FL 33810 No
$72 $866 Progressive 64 March 30, 2025 Lakeland, FL 33815 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
Last Updated Jun 13, 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 Policy
Has Full Coverage
City, State
ZIP Code
$57 $680 Progressive 28 May 6, 2024 No Lakeland, FL 33801
$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 $732 National General 25 June 11, 2025 No Lakeland, FL 33811
$62 $746 National General 52 December 13, 2024 No Lakeland, FL 33812
$68 $812 Progressive 60 February 12, 2024 No Lakeland, FL 33810
$72 $866 Progressive 64 March 30, 2025 No Lakeland, FL 33815
$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
Last Updated Jun 13, 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 $68 $820 Assurance America 27 April 26, 2025 Lakeland, FL 33809
<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 $83 $991 National General 45 May 3, 2025 Lakeland, FL 33803
Last Updated Jun 14, 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 $60 $724 National General 38 No April 23, 2025 Lakeland, FL 33811
At Fault With No Injury $68 $820 Assurance America 27 No April 26, 2025 Lakeland, FL 33809
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 $89 $1,072 Assurance America 44 No March 7, 2025 Lakeland, FL 33813
Last Updated Jun 14, 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $76 $909 National General 34 April 17, 2025 Lakeland, FL 33810
Speeding over 15 $114 $1,364 Assurance America 27 February 25, 2025 Lakeland, FL 33801
Speeding under 15 $114 $1,368 National General 28 May 4, 2025 Lakeland, FL 33801
Speeding over 15 $117 $1,402 Progressive 29 August 5, 2024 Lakeland, FL 33813
Speeding under 15 $126 $1,510 National General 36 April 8, 2025 Lakeland, FL 33805
Last Updated Jun 13, 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
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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.