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Cheapest Car Insurance Rates in Lakeland, florida

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Driving Conditions in Lakeland, florida

At White Chip Insurance we understand the importance of finding the best carriers for our clients.

115Rainy Days a Year
53 in.Average Annual Rainfall
0 in.Average Annual Snowfall

Lakeland, florida Car Insurance Rates by Provider

With a variety of car insurance providers to choose from in Lakeland, Florida, such as State Farm, Geico, Progressive, Allstate, and USAA, it is crucial to compare rates and coverage options to ensure you are receiving the best policy possible. White Chip Insurance has existing relationships with each of these carriers and is able to ensure you will be quoted the cheapest car insurance rates in all of Lakeland.

ProviderAverage Annual Rate
State Farm$1,453

Lakeland, florida Car Insurance Rates by Age

Car insurance rates in the city of Lakeland are going to vary depending on the age of the driver. Typically, insurance companies will require younger drivers to pay higher rates than older drivers due to age qualifying as a risk factor when determining premiums. White Chip Insurance is committed to providing the cheapest car insurance rates to all drivers, no matter their age.

AgeAverage Annual Rate

Lakeland, florida Car Insurance Rates by Gender and Marital Status

Most states have laws that prohibit insurance companies from using gender as a basis for determining insurance rates and most of Lakeland will not tolerate gender-biased insurance rates, although it is still a possibility. Throughout Florida, you will typically find that female drivers pay more for car insurance, married couples pay less than single drivers, and widowed or divorced drivers will pay slightly higher rates than both. White Chip Insurance will ensure to find you afordable car insurance no matter which categories you fall into.

Gender and Marital StatusAverage Annual Rate

Lakeland, florida Car Insurance Rates by Driving Record

For insurance companies, a driver’s driving record holds weight in the process of determining their car insurance rate. A clean driving record typically equals lower premiums. A faulty driving record typically causes the prices to spike. Drivers with a clean record may be offered discounts on their insurance, while drivers with a faulty record run the risk of being charged higher deductibles. Similarly, drivers with multiple traffic violations or DUI convictions may be charged significantly higher rates. On average, Lakeland, Florida offers a rate of $1,450 per year for clean driving records, while the rate for a faulty driving record is around $3,300.

Driving RecordAverage Annual Rate
Reckless Driving$3,399
At-fault Accident (damages less than $1,000)$3,040
At-fault Accident (damages greater than $2,000)$3,040
Speeding Ticket (16-20mph over speed limit)$2,778

Lakeland, florida Car Insurance Rates by Credit Score

Credit score is often taken into consideration when determining car insurance rates. Generally, the higher the credit score, the lower the car insurance rates. Since car insurance companies take into account an individual's financial history when determining rates, those with higher credit scores may be seen as more responsible and therefore may be able to access lower rates.

Low credit score? No worries - White Chip Insurance is dedicated to providing the cheapest car insurance rates in Lakeland, Florida to drivers of all credit scores. Contact us today to learn more.

Credit ScoreAverage Annual Rate
300 - 570$4,344
580 - 669$2,697
670 - 739$2,199
740 - 799$1,992
800 - 850$1,767

Cheapest Area Codes in Lakeland, florida

Some zip codes in Lakeland, Florida are more expensive due to their proximity to desirable areas with better job prospects, educational opportunities, and access to amenities such as shopping, dining, and entertainment. Other factors that can contribute to higher prices in certain areas include the quality of schools and the safety of the neighborhood. The most expensive zip code in Lakeland, Florida is 33813, with an average home value of $380,078. The least expensive zip code in Lakeland, Florida is 33815, with an average home value of $182,375.

Most Expensive Lakeland, florida ZIP Codes

33801, 33805, 33815, 33846, 33868

Least Expensive Lakeland, florida ZIP Codes

33810, 33811, 33812, 33813, 33823

Local Amenities in Lakeland, florida

Our team and main headquarters is located in Tampa, Florida. We have a staff of 13 licensed insurance agents that have been in the Tampa, Florida insurance business for several years. Check out some of Tampa’s most notable local amenities below.

Lakeland, florida Car Insurance FAQs

Below you’ll find answers to some frequently asked questions regarding florida Car Insurance.

What is the average cost for car insurance in Florida?

According to the Insurance Information Institute, the average cost of car insurance in Florida is $2,309 per year. The most expensive car insurance is found in the city of Miami, with an average annual cost of $3,764. The least expensive city is Punta Gorda, with an average annual cost of $1,698. The average cost of car insurance in Lakeland is $2,199.

Why is car insurance so expensive in Florida?

Car insurance is expensive in Florida because the state runs a high risk of natural disasters, such as hurricanes and floods, as well as a high rate of car theft. Additionally, Florida is a no fault state, meaning that drivers are personally responsible for their own medical expenses regardless of who is at fault in an auto accident. All of this leads to an increase in the cost of various insurance rates in the state of Florida.

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How much is car insurance near Lakeland, FL?
Fort LauderdaleOrlandoTallahassee
JacksonvilleSt. PetersburgHialeah
HollywoodCape CoralPembroke Pines
Port St. LucieMiami GardensGainesville
Coral Springs Lehigh AcresClearwater
Palm BayPompano BeachWest Palm Beach
MiramarDavieBoca Raton
SunriseSpring HillPlantation
AlafayaFort MyersLargo
BrandonPalm Coast

Find the Cheapest Car Insurance Rates