Lakeland Auto Insurance Rates, Quotes, Agents & Reviews in FL

Lakeland, FL Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lakeland, FL, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Top 5 Car Insurance Companies in Lakeland, FL, by Market Share

The average cost of auto insurance in Lakeland is $1,445. This value is dependent on numerous factors ranging from the make and model of the vehicle to the age of the driver. The cost of auto insurance also varies from one neighborhood to another. Zimlon provides car owners with the option of keying in their zip code to get accurate auto insurance quotes from different car insurance companies. The average cost of auto insurance in Lakeland is lower than that of neighboring places such as Fussels Corner, Auburndale, Combee Settlement, Polk City, and Crystal Lake.

Zimlon explores the list of the top 5 auto insurance companies in Lakeland, FL, based on market share.



GEICO leads the way in Florida, with a market share of 25.23%. It has 5,160,726 direct premiums written, and 5,081,055 direct premiums earned. GEICO continues to bring innovations into the field of insurance, the latest being its virtual assistant, KATE. GEICO has an A.M. Best rating of A++ and a J.D. Power score of 827/1000 in Florida.


Progressive is second on this list, with an A.M. Best Rating of A+ and a J.D. Power score of 809/1000. It has a massive 3,749,329 direct premiums written, and 3,582,160 direct premiums earned, earning Progressive a market share of 18.30% in Florida. 


State Farm has a market share of 14.70%, with a J.D. Power score of 834/1000, in Florida. The company also has an A.M. Best rating of A++. State Farm has 3,014,788 direct premiums written, and 3,047,953 direct premiums earned in Florida. State Farm makes it easy to shop for insurance with an immensely customer-friendly online portal.


Allstate has 1,897,567 direct premiums written and 1,880,647 direct premiums earned. The company has a market share of 9.28% in Florida. Allstate also has an A.M. Best rating of A+ and a J.D. Power score of 847/1000. 


USAA completes this list with a market share of 7.07%. It has 1,445,356 direct premiums written, and 1,431,650 direct premiums earned. USAA has an A.M. Best rating of A++ and a J.D. Power score of 898/1000. This is the highest score in Florida. 

Factors that can influence the cost of car insurance in Lakeland, FL are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Lakeland, FL Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lakeland, FL with that of other cities in and around Lakeland.

Lakeland Fussels Corner Auburndale Combee Settlement Polk City Crystal Lake
Average Insurance Rates $1,445 $2,012 $2,132 $2,016 $2,048 $2,026

Lakeland, FL Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lakeland, FL based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lakeland $1,637 $1,382
Kathleen $1,628 $1,375
Combee Settlement $1,874 $1,583
Crystal Lake $1,211 $1,023
Polk City $2,711 $2,290
Fussels Corner $1,401 $1,183
Auburndale $1,500 $1,267
Lakeland Highlands $2,275 $1,922

Lakeland, FL Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lakeland, FL usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,689
20 Years $1,857
30 Years $1,430
40 Years $1,376
50 Years $1,274
60 Years $1,292
70 Years $1,504

Lakeland, FL Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lakeland, FL can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,543 $347
3 Vehicles $3,815 $520
4 Vehicles $5,086 $694

Savings on 2 Vehicles bundle:$347

Savings on 3 Vehicles bundle:$520

Savings on 4 Vehicles bundle:$694

Lakeland, FL Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lakeland, FL.

Location Average Insurance Cost Post DUI Insurance Rate
Lakeland $1,445 $2,261
Kathleen $2,066 $3,233
Combee Settlement $2,016 $3,155
Crystal Lake $2,026 $3,171
Polk City $2,048 $3,205
Fussels Corner $2,012 $3,149
Auburndale $2,132 $3,337
Lakeland Highlands $2,209 $3,457

Lakeland, FL Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,240
Excellent (740-799) $1,415
Good (670-739) $1,506
Average (580-669) $1,964
Poor (300-579) $2,357

Lakeland, FL Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Wayne Peace State Farm 2325 S Florida Ave, Lakeland, 33803-7228 863-688-8920
Heacock Insurance Group Travelers 100 E MAIN ST, LAKELAND, 33801 863-683-2228
Smith & Thomas Insurance Travelers 115 ROGERS TERRACE, LAKELAND, 33803 863-688-1141
Sale Insurance Agency Inc None 309 S Tennessee Ave, Lakeland, 33801 None
All Florida Insurance Agency None 3526 S Florida Ave, Lakeland, 33803 None
Stahl Herndon & Assoc Inc Liberty Mutual Independent 91 LAKE MORTON DR, LAKELAND, 33801 (863) 688-5495
Seibert Insurance Agency None 5121 Ehrlich Road, Suite 111 , Tampa, 33624 (813) 327-7915
Family Insurance Centers None 5508 Us 98 North , Lakeland, 33809 None
Willis Of Fl-Vero Bch Travelers 4211 WEST BOY SCOTT BLVD STE 1000, TAMPA, 33607 772-562-3369

Lakeland, FL Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$64 $1,509
Driver's Failure In Showing Documents +$140 $1,585
Driving With An Expired Registration +$149 $1,594
Driving At A Considerably Slow Pace +$314 $1,759
Using A Cellphone While Driving +$331 $1,776
Running A Red Light +$337 $1,782
Speeding +$354 $1,799
Driving A Vehicle Without The Required Permission +$449 $1,894
Driving With An Expired/Suspended License +$974 $2,419

Lakeland, FL Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,387
Active Disabling Device $1,387
Tracking Device $1,358
Passive Disabling Device $1,344

Latest Auto Insurance Reviews in Lakeland, FL | Back to Top

State Farm
State Farm
Tends to cost a little more than other policies from other companies. But overall seems like a good value especially with bundling of other services to make a better value overall.
The premium and deductible of my policy compared to other insurance companies has always been competitive. My rates have never risen over the years and had usually gone down. .
Geico has amazing customer service. I have had to call them many times with questions or for claims and have always had a great experience.
I would 100% recommend USAA for car insurance because we have always had excellent customer service, making it extremely easy to pay our premiums and file and process claims.
I would recommend this company to anyone. They are advanced and know what they are doing. I really enjoy them.
I would recommend them, if only for the prices. They are much lower than any one else. We luckily don't need to use it very often.
It has been good so far. They have low rates, and they have good coverage. I have talked to them several times on the phone and they have been friendly.
This policy helped me get the minimum insurance for my state with an affordable price.
This policy helped me get the minimum insurance for my state with an affordable price.
Overall I went with a minimal coverage option for my motorcycle, meaning most of the cost for repairing my bike would come out of pocket while getting more coverage for any damage I might cause in an accident and more coverage for my own medical expenses should I be injured in an accident.
They have the lowest premium that I've found. It could always be lower.
The only issue that I have (and it is a small issue) is that I wish they had a chat feature on the the website. Sometimes, I cannot wait on the phone at work, but I could easily chat with someone.
I feel that my premium is comparable to others. I like the service that my company provides so I choose them predominantly for this reason combined with the price factor.
The premium with this company is excellent. About $20 a month lower than other companis I shopped around with, and the coverage is exactly what I need with no filler.
I would say that premium is still kinda high. I know that I am in a high risk pool being a male in my mid-twenties, but I have had no tickets and no accidents in the past 7 years. I feel as if I should be rewarded for that.
The premium for this policy is more affordable and a better price than other insurance company quotes I received. I have full coverage auto insurance, with numerous perks and benefits, for a cheaper price than other companies, including some liability-only policies.
Safeco Insurance
They beat all prices that I compared too. I shopped around a lot before choosing them and by far they save me lots of money.