Table of content
- Lakeland – introduction
- Documents required to get an auto insurance
- What affects the car insurance?
- How much is car insurance in Lakeland, FL – best cheap car insurance companies in 2024
- Cheapest insurance rates by category in 2024
- No-fault insurance laws in Lakeland
- For how long the insurance is valid?
- Invalid insurance – what are the fines?
- SR-44 and FR-44 – what the difference?
- The benefits to get an auto insurance
Lakeland – introduction
Lakeland is a region located in central Florida, known for its many lakes, lush natural scenery, and mild climate. It is home to several communities which serves as the largest city in the area.
When it comes to car insurance, Lakeland is subject to the same regulations and requirements as the rest of Florida. All drivers are required to carry a minimum amount of liability insurance, which covers damages and injuries to other people and their property in the event of an accident.
In addition to liability insurance, drivers in Lakeland may also choose to purchase additional coverage options, such as collision and comprehensive coverage, which can provide added protection for their own vehicles.
Documents required to get an auto insurance
Here are some common documents that you may need to provide when applying for car insurance:
- Driver’s license: You will need a valid driver’s license to prove that you are legally allowed to drive.
- Vehicle information: You will need to provide information about the vehicle you want to insure, including its make, model, year, and Vehicle Identification Number (VIN).
- Registration: You may need to provide proof of vehicle registration to show that you are the owner of the car.
- Insurance history: If you have had car insurance before, you may need to provide documentation showing your insurance history, including your previous coverage limits and any claims you have made.
- Personal information: You will need to provide your personal information, including your name, address, and contact information.
- Payment information: You will need to provide payment information, such as a credit card or bank account information, to set up automatic payments for your premium.
What affects the car insurance?
- Age: Younger drivers typically pay higher rates due to their lack of driving experience and higher risk of accidents. Drivers over 25 may receive lower rates.
- Gender: Some insurance companies may consider gender when setting rates, as statistics show that male drivers tend to have more accidents than female drivers.
- Driving record: A history of accidents, traffic violations, and other driving infractions can lead to higher rates.
- Location: Where you live can affect your car insurance rates, as some areas have higher rates of theft or accidents than others.
- Type of vehicle: The make, model, and age of your vehicle can impact your rates. Generally, more expensive cars cost more to insure, as they are more expensive to repair or replace.
- Credit score: In some states, insurance companies may consider your credit score when setting rates.
- Coverage options: The amount and types of coverage you choose can affect your costs. Adding optional coverage, such as collision or comprehensive coverage, will increase your premium.
- Deductible: The higher your deductible, the lower your premium. However, choosing a high deductible means you’ll pay more out of pocket in the event of an accident.
- Annual mileage: The more you drive, the higher your rates may be, as you have a higher risk of getting into an accident.
- Insurance history: Your previous coverage and claims history can also impact your rates.
How much is car insurance in Lakeland, FL – best cheap car insurance companies in 2024
| Company | Median Cost (per year) | Popular Car Brands Insured |
|---|---|---|
| State Farm | $1,215 | Honda, Toyota, Ford, Chevrolet, Nissan |
| GEICO | $1,088 | Honda, Toyota, Ford, Chevrolet, Nissan |
| Progressive | $1,240 | Honda, Toyota, Ford, Chevrolet, Nissan |
| Allstate | $1,521 | Honda, Toyota, Ford, Chevrolet, Nissan |
| USAA | $995 | Honda, Toyota, Ford, Chevrolet, Nissan |
| Farmers | $1,440 | Honda, Toyota, Ford, Chevrolet, Nissan |
| Nationwide | $1,354 | Honda, Toyota, Ford, Chevrolet, Nissan |
| Liberty Mutual | $1,417 | Honda, Toyota, Ford, Chevrolet, Nissan |
| Travelers | $1,345 | Honda, Toyota, Ford, Chevrolet, Nissan |
| American Family Insurance | $1,254 | Honda, Toyota, Ford, Chevrolet, Nissan |
Cheapest insurance rates by category in 2024
Car insurance rates can vary widely depending on several factors, including your driving record, the type of car you drive, your age and gender, and your location. To find the cheapest car insurance rates, it’s important to compare quotes from multiple providers and consider your coverage options carefully.
One way to save on car insurance is to choose a policy that meets your needs without overpaying for unnecessary coverage. For example, if you have an older car that is paid off, you may not need collision or comprehensive coverage, which can be expensive. On the other hand, if you have a new car or a loan on your vehicle, you may want to consider adding these coverages for added protection.
Another way to save on car insurance is to take advantage of discounts. Many companies offer discounts for things like good driving records, safety features on your vehicle, and being a student or a senior citizen.
Car insurance for free-accident drivers vs after an incident
| Company | Free-accident Driver | After an Incident |
|---|---|---|
| State Farm | $1,200 | $1,750 |
| GEICO | $1,100 | $1,600 |
| Progressive | $1,300 | $1,900 |
| Allstate | $1,500 | $2,200 |
| Farmers | $1,400 | $2,000 |
| Nationwide | $1,400 | $2,100 |
| Liberty Mutual | $1,500 | $2,200 |
Teen drivers, young adults (20, 30 years old), adults (40, 50 years old), seniors (60, 70-year old)
| Age Group | Company | Median Annual Cost | Popular Car Brands Insured |
|---|---|---|---|
| Teen Drivers (16-19) | State Farm | $4,500 – $6,500 | Honda, Toyota, Ford, Chevrolet, Nissan |
| GEICO | $3,000 – $5,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Progressive | $3,500 – $6,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Allstate | $6,000 – $9,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Farmers | $5,000 – $8,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Nationwide | $4,500 – $7,500 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Liberty Mutual | $5,500 – $9,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Young Adults (20s-30s) | State Farm | $1,200 – $2,500 | Honda, Toyota, Ford, Chevrolet, Nissan |
| GEICO | $1,000 – $2,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Progressive | $1,200 – $2,500 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Allstate | $1,500 – $3,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Farmers | $1,500 – $3,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Nationwide | $1,400 – $2,800 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Liberty Mutual | $1,500 – $3,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Adults (40s-50s) | State Farm | $1,000 – $2,000 | Honda, Toyota, Ford, Chevrolet, Nissan |
| GEICO | $900 – $1,800 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Progressive | $1,100 – $2,200 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Allstate | $1,400 – $2,800 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Farmers | $1,300 – $2,600 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Nationwide | $1,200 – $2,400 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Liberty Mutual | $1,300 – $2,600 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Seniors (60s-70s) | State Farm | $900 – $1,500 | Honda, Toyota, Ford, Chevrolet, Nissan |
| GEICO | $800 – $1,300 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Progressive | $1,000 – $1,800 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Allstate | $1,200 – $2,400 | Honda, Toyota, Ford |
Married drivers
| Marital Status | Company | Median Annual Cost | Popular Car Brands Insured |
|---|---|---|---|
| Married | State Farm | $1,100 – $1,800 | Honda, Toyota, Ford, Chevrolet, Nissan |
| GEICO | $1,000 – $1,700 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Progressive | $1,200 – $2,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Allstate | $1,400 – $2,300 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Farmers | $1,300 – $2,200 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Nationwide | $1,200 – $2,000 | Honda, Toyota, Ford, Chevrolet, Nissan | |
| Liberty Mutual | $1,300 – $2,200 | Honda, Toyota, Ford, Chevrolet, Nissan |
Military drivers
| Company | Median Annual Cost | Terms and Benefits |
|---|---|---|
| USAA | $800 – $1,500 | Discounts for active and retired military members, and their families. Additional benefits such as rental reimbursement, accident forgiveness, and roadside assistance. |
| GEICO | $1,000 – $1,800 | Discounts for active and retired military members, and their families. Additional benefits such as emergency deployment discounts, storage protection, and overseas insurance. |
| Armed Forces Insurance | $1,200 – $2,000 | Specializes in providing insurance for active and retired military members and their families. Offers customizable coverage options and additional benefits such as pet injury coverage, no-deductible windshield repair, and rental reimbursement. |
| Esurance | $1,000 – $1,700 | Discounts for active and retired military members and their families. Offers additional benefits such as emergency roadside assistance, rental car coverage, and accident forgiveness. |
| Allstate | $1,200 – $2,000 | Discounts for active and retired military members and their families. Offers additional benefits such as rental reimbursement, accident forgiveness, and safe driving bonuses. |
| Nationwide | $1,100 – $1,900 | Discounts for active and retired military members and their families. Offers additional benefits such as accident forgiveness, roadside assistance, and rental car coverage. |
| Farmers | $1,400 – $2,400 | Discounts for active and retired military members and their families. Offers additional benefits such as accident forgiveness, new car replacement, and rideshare coverage. |
Cheapest options after a speeding ticket, for a liability-only, for a DUI
| Incident | Company | Median Annual Cost |
|---|---|---|
| Speeding Ticket | State Farm | $1,400 – $1,900 |
| GEICO | $1,300 – $1,800 | |
| Progressive | $1,500 – $2,000 | |
| Allstate | $1,800 – $2,500 | |
| Farmers | $1,600 – $2,200 | |
| Nationwide | $1,500 – $2,100 | |
| Liberty Mutual | $1,700 – $2,300 | |
| Liability-only Coverage | State Farm | $800 – $1,200 |
| GEICO | $700 – $1,100 | |
| Progressive | $800 – $1,300 | |
| Allstate | $900 – $1,500 | |
| Farmers | $900 – $1,400 | |
| Nationwide | $800 – $1,200 | |
| Liberty Mutual | $900 – $1,500 | |
| DUI | State Farm | $2,500 – $3,500 |
| GEICO | $2,000 – $3,000 | |
| Progressive | $2,500 – $3,500 | |
| Allstate | $3,500 – $5,000 | |
| Farmers | $3,000 – $4,500 | |
| Nationwide | $3,000 – $4,500 | |
| Liberty Mutual | $3,500 – $5,000 |
Bad credit drivers
| Company | Median Annual Cost | Options |
|---|---|---|
| GEICO | $1,000 – $2,000 | Offers a variety of discounts, including a military discount, good student discount, and safe driver discount. Also offers online tools for managing policies and filing claims. |
| State Farm | $1,200 – $2,500 | Offers discounts for safe driving, vehicle safety features, and good students. Offers a variety of coverage options, including liability, collision, and comprehensive. |
| Progressive | $1,300 – $2,500 | Offers a variety of discounts, including multi-policy, multi-car, and good student discounts. Also offers usage-based insurance, which bases premiums on actual driving behavior. |
| Allstate | $1,500 – $3,000 | Offers a variety of discounts, including safe driving, anti-theft device, and multi-policy discounts. Offers a variety of coverage options, including liability, collision, and comprehensive. |
| Farmers | $1,600 – $3,000 | Offers a variety of discounts, including safe driver, multi-car, and good student discounts. Also offers usage-based insurance and a variety of coverage options. |
| Nationwide | $1,400 – $2,800 | Offers a variety of discounts, including safe driver, multi-policy, and good student discounts. Also offers a variety of coverage options, including liability, collision, and comprehensive. |
| Liberty Mutual | $1,500 – $2,800 | Offers a variety of discounts, including safe driver, multi-policy, and good student discounts. Also offers a variety of coverage options, including liability, collision, and comprehensive. |
| Esurance | $1,200 – $2,500 | Offers a variety of discounts, including safe driver, multi-policy, and good student discounts. Also offers usage-based insurance and a variety of coverage options. |
| American Family | $1,700 – $3,000 | Offers a variety of discounts, including safe driver, multi-car, and good student discounts. Also offers a variety of coverage options, including liability, collision, and comprehensive. |
| The General | $1,800 – $3,500 | Offers insurance to drivers with bad credit or a poor driving record. Offers basic liability coverage and optional add-ons, including collision and comprehensive coverage. |
Sports cars
| Company | Median Annual Cost | Examples of Sports Cars |
|---|---|---|
| State Farm | $2,500 – $5,000 | Chevrolet Camaro, Dodge Challenger, Ford Mustang |
| GEICO | $2,500 – $5,000 | Nissan 370Z, Ford Mustang, Dodge Challenger |
| Progressive | $2,500 – $5,000 | Chevrolet Camaro, Ford Mustang, Dodge Challenger |
| Allstate | $3,000 – $6,000 | Porsche 911, Chevrolet Corvette, Ford Mustang |
| Farmers | $3,000 – $6,000 | BMW M3, Chevrolet Camaro, Dodge Challenger |
| Nationwide | $2,500 – $5,000 | Chevrolet Camaro, Ford Mustang, Dodge Challenger |
| Liberty Mutual | $3,500 – $7,000 | Porsche 911, Chevrolet Corvette, Ford Mustang |
No-fault insurance laws in Lakeland
In Florida, car insurance is required for all drivers, and the state follows a no-fault insurance system. This means that if you are involved in a car accident, your own policy will pay for your medical expenses and other damages, regardless of who was at fault for the accident. No-fault insurance is intended to provide prompt payment of medical expenses and other damages, without the need for lengthy court battles to determine fault.
Under Florida’s no-fault laws, all drivers are required to carry a minimum of $10,000 in Personal Injury Protection (PIP) coverage, which covers medical expenses, lost wages, and other expenses resulting from a car accident, regardless of who caused the accident. Additionally, all drivers are required to carry a minimum of $10,000 in Property Damage Liability (PDL) coverage, which covers damage to other people’s property, such as their cars or buildings.
For how long the insurance is valid?
In Lakeland, Florida, car insurance policies typically last for six months to one year, depending on the terms of the policy. After the policy expires, you will need to renew your policy to maintain coverage.
When you purchase car insurance in Lakeland, Florida, the company will provide you with a policy document that outlines the terms of the policy, including the start and end dates of the coverage period. It’s important to review this document carefully and make sure you understand the terms of your policy, including the coverage limits, deductibles, and exclusions.
If you fail to renew your policy before it expires, your coverage will lapse, and you may be driving without valid insurance, which is illegal and can result in fines and other penalties. To avoid a lapse in coverage, it’s important to renew your car insurance policy before it expires and to make sure that you have the necessary coverage to meet your needs.
Invalid insurance – what are the fines?
Driving without valid insurance in Lakeland, FL is illegal and can result in significant fines and penalties. The penalties for driving without valid insurance can vary depending on the specific circumstances of the offense and the number of previous violations.
In Florida, if you are caught driving without valid insurance, you may be fined up to $500 for a first offense, and your driver’s license and registration may be suspended for up to three years. If you are caught driving without valid insurance a second or subsequent time, the fine may be increased, and your driver’s license and registration may be suspended for up to five years.
Additionally, if you are involved in a car accident while driving without valid insurance, you may be held personally responsible for any damages or injuries resulting from the accident. This means that you may be required to pay for medical expenses, property damage, and other costs out of your own pocket, which can be financially devastating.
SR-44 and FR-44 – what the difference?
In Florida, SR-44 and FR-44 are both types of financial responsibility forms that are required for certain drivers who have been convicted of certain offenses, such as DUI (driving under the influence) or DWI (driving while intoxicated).
The main difference between SR-44 and FR-44 is the level of insurance coverage required. SR-44 is a financial responsibility form that requires drivers to carry increased liability insurance coverage, typically $100,000 per person, $300,000 per accident for bodily injury liability, and $50,000 for property damage liability. This level of coverage is higher than the minimum insurance requirements for most drivers in Florida, which are $10,000 for personal injury protection (PIP) and $10,000 for property damage liability (PDL).
FR-44, on the other hand, is a financial responsibility form that requires even higher levels of insurance coverage than SR-44. Specifically, FR-44 requires drivers to carry at least $100,000 per person and $300,000 per accident in bodily injury liability coverage, and $50,000 in property damage liability coverage. This level of coverage is typically required for drivers who have been convicted of multiple DUI or DWI offenses.
Overall, both SR-44 and FR-44 are used to ensure that drivers who have been convicted of certain offenses carry sufficient coverage to protect themselves and others in the event of an accident. If you have been convicted of a DUI or DWI in Florida, it’s important to understand the requirements and to work with your provider to ensure that you have the necessary coverage to meet your needs.
The benefits to get an auto insurance
There are several benefits to getting an auto insurance policy in FL, including:
- Legal compliance: Auto insurance is mandatory in most states in the US, including Florida, so having insurance is necessary to drive legally on the roads.
- Protection from financial loss: Car accidents can be costly, and a car insurance policy can help protect you from financial loss in the event of an accident. An insurance policy can cover the costs of repairing or replacing your vehicle, as well as medical expenses and other damages resulting from an accident.
- Peace of mind: Having a policy can provide peace of mind, knowing that you are financially protected in case of an accident.
- Protection from lawsuits: In some cases, if you are at fault for an accident, you may be sued for damages. An auto insurance policy can help protect you from such lawsuits by providing liability coverage.
- Access to additional benefits: Some policies offer additional benefits, such as roadside assistance, rental car coverage, and discounts on other insurance products.