Lakeland Car Insurance

Everything You Need to Know About Car Insurance in Lakeland

Halfway between Tampa and Orlando, you’ll find the beautiful city of Lakeland, FL. True to its name, this city is home to 38 lakes in a variety of sizes. Whether you’re headed out for a day of fishing or you plan to go feed the local swans, make sure you’re covered with the best Lakeland car insurance before you get behind the wheel. Finding auto insurance in Lakeland starts with a call to the friendly Trusted Choice® Independent Insurance Agents. Our caring agents work with each driver to create a customized auto coverage plan that protects against the biggest risks on Florida’s crowded highways.

  • National average cost per year: $1,311
  • Florida average cost per year: $1,742
  • #5 most expensive auto premium in U.S.

Car insurance premiums are much higher in Florida than the national average, but Trusted Choice Independent Insurance Agents can help you find ways to save. From safe driving discounts to bundled coverages, our experienced agents can point you toward the most reliable plans at budget-friendly prices. Ultimately, your premium varies depending on your age, your driving record, and your vehicles make and model. 

Florida Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 10/20/10

Florida state law requires all drivers to have car insurance. Minimum coverage limits are $10,000 for individual injuries, $20,000 for total injuries in an accident and $10,000 for any resulting property damage. These minimums are meant to be a starting point for drivers who are looking for adequate coverage. In reality, you might need more coverage, and it never hurts to add extra liability insurance to your auto policy. If you end up in an accident and the expenses total more than your coverage limit, you will have to pay the difference out of pocket.

Number of Uninsured Motorists in Florida

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Florida drivers: 23.8%

With a large number of people constantly rotating in and out of Lakeland, uninsured motorists can be a major problem. In fact, one-fourth of Florida drivers don’t have a valid car insurance policy, despite state laws that require it. If you get hit by an uninsured driver, you have to pay the bill for car repairs. Consider adding uninsured motorist coverage that steps in after an accident and pays for your repairs and related medical expenses.

Number of Auto Thefts in Florida

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Florida: 2.48

While Lakeland is a beautiful place to live in, the crime rate is much higher than in other parts of Florida. Residents in Lakeland have to give serious thought to auto theft, as it happens on a regular basis. If your car gets stolen, your first step should always be to contact the police. Then it’s time to call your car insurance carrier and file a claim. If you have a comprehensive Lakeland auto insurance policy, you can then replace your car quickly and get back to your normal routine.

Find a Great Lakeland Car Insurance Policy

Shopping for car insurance can seem like a headache, but Trusted Choice Independent Insurance Agents make the process simple from start to finish. Forget spending hours calling multiple companies for quotes. Trusted Choice Independent Insurance Agents can quote from multiple policies all in one convenient place. Our experienced agents will help you compare coverage options and premiums and point you toward a Lakeland car insurance policy that will be a good fit for you. Contact a Trusted Choice Agent today to get your free customized quote on car insurance in Lakeland.

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