Cheap Auto Insurance in Lakeland, Florida

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After comparing auto insurance quotes in Lakeland, Florida, we found that the cheapest rates were found with State Farm, whose annual rate of $1,236 is 17% less than the city average. Though this company offered the cheapest policy for our profile driver—a 30-year-old male—insurance rates can vary drastically based on your specific driving profile. Because of this, we recommend you compare quotes to get the best auto insurance rates. Enter your ZIP code above to begin comparing quotes from insurers near you.

Lakeland, Florida Car Insurance Costs

Our analysis found that the average cost of car insurance in Lakeland for our profile driver, to be $1,236 per year—6% less than the Florida average of $1,589 per year. We also found that rates varied by $600 per year from the cheapest to most expensive insurer—which were State Farm and Progressive, respectively. This large range in car insurance rate is why we recommend comparing quotes before purchasing a policy.

Comparing the cost of auto insurance in Lakeland, Florida

Lakeland, Florida Auto Insurance Agents

If you would like to have a real person answer you car insurance questions, you may want to find an insurance agent near you. Agents can help you find a policy that fits your insurance needs and help you manage your policy as well. We've compiled a directory of local insurance agents and agencies in Lakeland, Florida.

Jefferson-allsopp Inc.439 Florida Avenue S Ste 201, Lakeland, Fl 33801863-688-7691
Heacock Insurance Group100 E Main St, Lakeland, Fl 33801863-683-2228
Southern Family Insurance Services Llc101 W Main St Ste 123, Lakeland, Fl 33815863-248-2814
Williams-Hess Inc1617 East Gary Road, Lakeland, Fl 33801863-682-5195
AAA Insurance Agency-Lakeland1457 E Memorial Blvd, Lakeland, Fl 33801800-891-4222
AAA South-Lakeland-AA1457 Memorial Blvd, Lakeland, Fl 33801800-891-4222
Lanier Upshaw Inc1115 Us Hwy 98 South, Lakeland, Fl 33801863-686-2113
Larry Greenwald Insurance Inc1145 Bartow Rd, Lakeland, Fl 33801863-687-9188
Tyler Insurance Agency Inc1543 Lakeland Hills Blvd, Lakeland, Fl 33805863-687-4095
Full Cover Insurance Solutions3141 S Florida Ave, Lakeland, Fl 33803863-248-6580
Omega Insurance Solutions1933 E Edgewood Dr Ste 102, Lakeland, Fl 33803863-299-3544
Beall Insurance Services3004 Us Hwy 98 N, Lakeland, Fl 33805863-688-5400
Lock Insurance225 Doris Dr, Lakeland, Fl 33813863-646-4300
Al Purmort Agency Inc2525 Drane Field Rd Ste 3, Lakeland, Fl 33811863-646-3332
Ewing Blackwelder & Duce Of Bartow Inc4930 Southfork Dr, Lakeland, Fl 33813863-647-5187
Jack's Ins Agency Inc4710 New Tampa Hwy, Lakeland, Fl 33815-3256863-688-9271
Johnson & Hoge Insurance Group Inc5380 S Florida Ave, Lakeland, Fl 33813863-646-2104
Nichols Ins Group5324 Us Hwy 98 N, Lakeland, Fl 33809863-816-7836
Garland Insurance Inc5620 Us Hwy 98 N, Lakeland, Fl 33809863-683-9334
Falcon Insurance Agency Of Florida Inc625 Commerce Dr Ste 306, Lakeland, Fl 33813863-646-9688
George Franklin Insurance Inc625 Commerce Dr Ste 302, Lakeland, Fl 33813863-646-9653
The Jones Agency Inc2098 Shepherd Rd, Mulberry, Fl 33860863-425-8200
Mulling Insurance Agency Inc208 E Park Street, Auburndale, Fl 33823863-967-4454
Certisure Inc1801 Hobbs Rd, Auburndale, Fl 33823863-293-4653
Kirby Soar Insurance Inc809 S Evers St, Plant City, Fl 33566813-752-1680

Car Insurance Requirements in Lakeland, Florida

Lakeland car owners have to meet the same car insurance requirements that apply to all of the Sunshine State's drivers. The minimum Florida auto insurance requirements are as follows:

  • Property Damage Liability (PDL): $10,000 per accident
  • Personal Injury Protection (PIP): $10,000 per accident

Lakeland, Florida Motor Vehicle Theft and Fatality Statistics

Lakeland's vehicle theft rate—at 2.72 thefts per 1,000 residents—is 3% higher than the Florida average. Because of this, Lakeland drivers can expect to get pretty average rates on their comprehensive insurance coverage compared to the rest of the state. This insurance covers your vehicle if it is stolen or damaged in an event that is not a car crash.

There have been 170 fatal car crashes in Lakeland, accounting for 180 total deaths. Ford F-Series pickups have been involved in the most fatal crashes any vehicle, being in 21 of these accidents. Car insurance companies set rates based on the frequency of vehicle crashes in a given ZIP code. Because of this, drivers that live in an area with a high rate of car crashes will likely pay more for auto insurance.

Lakeland Auto Theft and Fatal Accident Statistics


Lakeland Auto Thefts (2009)268
Lakeland Thefts Per 1,000 People2.72
State Thefts per 1,000 People2.64
Auto Accidents170
Auto Fatalities180

Fatal Crashes in Lakeland by Vehicle Make and Model

Make and Model

Ford F-Series pickup721
Harley-Davidson 750cc or greater1514
Ford Bronco (thru 1977)/Bronco II/Explorer/Explorer Sport610
Honda Civic/CRX, del Sol58
Freightliner Medium/Heavy - CBE07

Deadliest Roads in Lakeland



Fatal Car Crashes in Lakeland by Day of Week

Day Of Week


Bailey is a Research Analyst at ValuePenguin, covering insurance. He graduated from Occidental College with a B.A. in Mathematics and a minor in Computer Science. Bailey's analysis has been featured by CNBC, the Houston Chronicle and the National Transportation Bureau Safety Board.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.