Lowest Car Insurance Rates In Florida - Most drivers in Lakeland, Florida can get cheap car insurance from Geico, starting at $75 per month for liability only policies and $128 per month for full coverage policies. State Farm offers the lowest car insurance rates for Lakeland drivers with speeding, accident or DUI tickets.
The average annual cost of car insurance in Lakeland is $2,154 per year – 9% lower than the state average of $2,361 for minimum liability policies, but still expensive compared to the rest of the United States due to its proximity to cities like Tampa and Orlando.
Lowest Car Insurance Rates In Florida
Regarding state minimum liability policies, Geico has the best rates at $905 a year, half of the city's first annual average of $2,154. State Farm is a close second, with an annual fee of $957.
Cheapest Car Insurance Rates, Companies And Quotes (2022)
Drivers can save an average of $1,220 a year by switching to one of Lakeland's cheapest auto insurance companies, based on an average annual rate of $2,154. However, a liability policy only includes the minimum coverage required by the state and may not be sufficient. To fully cover you in an accident. If you have a car loan or need more protection you need a full coverage policy.
Geico Lakeland has the cheapest comprehensive coverage policies for drivers at $1,539 a year. State Farm also offers the lowest annual premiums at $1,598.
Insurance companies charge higher rates if you have tickets, at-fault accidents, or other violations on your driving record. Both Geico and State Farm are sympathetic to Lakeland drivers with some incidents on their driving record, although State Farm offers slightly lower rates.
You can get car insurance from State Farm for $1,740 a year with a speeding ticket on your record. Geico is also an option with an annual fee of $2,651.
The Cheapest (and Best) Full Coverage Car Insurance Of 2022
If you have a car accident on your driving record, State Farm and Geico offer the best rates at $1,883 and $2,147 a year, respectively.
If you have a DUI on your record in Lakeland, expect to pay an average of 28% more for car insurance per year. State Farm can pay you $1,740 a year, while a policy with Geico can set you back $2,798 a year. The good news is that State Farm, Geico, Progressive and Allstate can all help you file a Florida FR-44, which proves you meet the minimum auto insurance requirements after having a DUI or DWI.
Just like your location or the car you drive, factors like your credit score can affect your car insurance rates. You can expect to pay 18% higher taxes in Lakeland for having poor credit. Both Geico and State Farm offer drivers with poor credit more than $1,200 a year.
If you don't drive much or are generally a safe driver, consider car insurance to help you save. With this type of car insurance, your rate basically depends on how well and how much you drive. Things like your credit score count against you. Geico, State Farm, Progressive and Allstate offer usage-based programs or safe driving discounts in Florida.
The Best Cheap Car Insurance For 2021
Like most insurers, Geico offers married drivers the cheapest rates worth $1,533 a year. State Farm also offers a significant discount, with annual rates of $1,598.
Married drivers in Lakeland typically save an average of 5% on car insurance because statistics show that marriage correlates with safer driving and fewer claims and crashes. If you and your spouse both have cars, insure all your cars under one policy to save even more.
Teen drivers in Lakeland face unreasonably high rates, especially in a state like Florida that already has high insurance costs. Expect to pay more than $4,000 a year from the best insurers, even Geico and State Farm until you turn 21, which shows the insurers you have the most driving experience under your belt.
As a young driver, look for discounts that can help you save by getting good grades, taking a defensive driving course, or leaving your car at home while you're away at college.
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According to a survey, Allstate is one of the best car insurance companies in Florida, yet their prices are within the price range of Lakeland drivers. Both Geico and State Farm rank in the middle of the pack for customer satisfaction in Florida, so it's worth getting quotes from both companies.
Your city and neighborhood help auto insurers calculate your claim risk, so your location can affect your rates. Car insurance rates in most Lakeland neighborhoods run around $2,900 a year for full coverage policies.
According to the FBI Crime Report, Lakeland has a lower than average rate of vehicle thefts, with a rate of 19 vehicle thefts per 10,000 residents, below the state average of 23. The city sees about 200 vehicle thefts annually. 296 below the state average.
A team of experts compared the average rates of leading auto insurance companies in Lakeland, Florida. The sample driver for our study has a full coverage policy, is a 30-year-old driver with a clean driving record and drives a 2015 Honda Civic EX unless otherwise noted.
Cheapest Car Insurance In Florida
Our experts analyze auto insurance rate data from public source insurer files using Quadrant's information services. The actual quotes you get from these insurers may vary depending on factors like your age, car, driving record and more.
To get an insurance quote over the phone, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! The cheapest car insurance companies in Florida are Geico, State Farm and Travelers. Florida drivers can save hundreds of dollars or more a year on auto insurance by shopping around and comparing quotes.
Florida car insurance is not cheap. In fact, Florida was the 36th most expensive state for auto insurance in our national auto insurance study. A big reason for that is that Florida has the highest percentage of uninsured drivers in the country, at 27%. Uninsured motorist claims cost billions of dollars annually, and insurance companies bear the brunt of those costs before passing the costs on to consumers in the form of higher taxes.
Comparing car insurance options is especially important in Florida because rates can be so high. Also, some companies charge much more than others for perfect coverage. In Florida, the average difference between the highest and lowest quotes for full coverage is more than $1,500. It shows how much Florida residents can save by shopping around.
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To help, analyze quotes from all major insurance companies using the state's multiple driver profiles and zip codes to find the best auto insurance companies in Florida.
Geico has the cheapest car insurance for most good drivers in Florida. Drivers who have never been involved in an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to lower rates, good drivers often qualify for additional discounts from their insurance company.
Full coverage refers to a policy that exceeds the minimum state requirements. Since full coverage protects you in more cases, it costs more than the minimum.
After a speeding ticket, most drivers see their insurance rates increase for 3-5 years. It's important to remember that each insurance company calculates rates differently, so you should always get multiple quotes to make sure you're getting the best deal.
The Best Car Insurance In Florida For 2022
An at-fault accident usually negatively affects your insurance for 3-5 years because insurers consider you a high risk. Because of your higher fees, it's even more important to make a comparison.
A low credit score often marks drivers as higher risk, so insurers typically pay more for coverage. However, because insurers use different formulas to calculate premiums, poor credit can affect your rates more with one company than with another. Since each insurance company treats credit differently, it pays to compare quotes.
Because young drivers have less experience behind the wheel, insurers charge higher rates than mature drivers. On average, when most drivers are 25 years old their rates drop significantly as they age. Cheapest car insurance in Florida for senior drivers
Although mature drivers pay less for car insurance than teenagers, their rates begin to rise as older drivers enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
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Geico is the cheapest auto insurance company in Florida, charging an average of $84 per month for coverage. In addition to lower rates, drivers can qualify for a variety of discounts based on their policy, good driving and vehicle safety.
State Farm charges a little more for coverage than some of its competitors, with rates averaging $130 a month. But it's still a great choice for drivers looking for a variety of insurance and a variety of discount options.
Travelers is a good choice for drivers who want a fair price
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