Buy Cheap Lake Wales, FL Auto Insurance in 2024
Lake Wales, FL auto insurance rates average $364 a month. Minimum auto insurance requirements in Lake Wales, Florida are 10/20/10 to comply with Florida laws. To buy cheap auto insurance in Lake Wales, FL, compare Lake Wales auto insurance quotes from top companies.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Lake Wales after a DUI is Allstate
- Average auto insurance rates in Lake Wales, FL are $364/month
- The most expensive auto insurance company in Lake Wales is Allstate
Finding affordable Lake Wales, Florida auto insurance can be challenging, but everything you need to know to buy cheap Lake Wales, FL auto insurance with confidence is right here. Auto insurance rates in Lake Wales are affected by local factors as well as personal ones like your driving record.
See how Lake Wales, FL car insurance rates compare to Orlando auto insurance rates, Miami auto insurance rates, and Tallahassee auto insurance rates before you read more about the cost of auto insurance in Lake Wales.
Don’t buy Lake Wales, FL auto insurance until you’ve compared rates. Get free Lake Wales, Florida auto insurance quotes when you enter your ZIP code above.
Lake Wales, FL Minimum Auto Insurance Requirements
The required auto insurance in Lake Wales, FL is 10/20/10 according to the auto insurance laws in Florida. The minimum auto insurance in Lake Wales, Florida is outlined here.
Minimum Required Auto Insurance Coverage in Lake Wales, Florida
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $10,000 per person $20,000 per accident |
| Property Damage Liability Coverage | $10,000 minimum |
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Find Cheap Lake Wales, FL Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Lake Wales, FL. Take a look at Lake Wales, Florida auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in Lake Wales, Florida
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $9,649 | $6,119 | $4,967 |
| Geico | $5,030 | $3,041 | $2,282 |
| Liberty Mutual | $6,319 | $4,641 | $3,765 |
| Nationwide | $5,119 | $3,752 | $3,391 |
| Progressive | $7,054 | $5,019 | $4,187 |
| State Farm | $4,057 | $2,670 | $2,195 |
| USAA | $4,648 | $2,267 | $1,642 |
Buy Cheap Lake Wales, FL Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Lake Wales, Florida auto insurance rates? Find out how car insurance rates in Lake Wales, FL are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lake Wales, Florida
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,265 | $4,070 | $3,711 | $3,769 | $14,859 | $16,069 | $4,245 | $4,305 |
| Geico | $2,728 | $2,738 | $2,556 | $2,556 | $4,877 | $6,109 | $3,003 | $3,042 |
| Liberty Mutual | $3,404 | $3,404 | $3,119 | $3,119 | $7,172 | $11,039 | $3,404 | $4,607 |
| Nationwide | $2,856 | $2,816 | $2,548 | $2,635 | $6,918 | $8,512 | $3,145 | $3,269 |
| Progressive | $3,610 | $3,406 | $3,102 | $3,321 | $10,224 | $11,169 | $4,358 | $4,169 |
| State Farm | $1,917 | $1,917 | $1,739 | $1,739 | $5,290 | $6,799 | $2,125 | $2,264 |
| USAA | $1,645 | $1,617 | $1,539 | $1,524 | $5,660 | $6,561 | $2,055 | $2,217 |
Buy Cheap Lake Wales, FL Auto Insurance for Teen Drivers
Auto insurance for teenagers in Lake Wales can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lake Wales, FL are listed here.
Annual Auto Insurance Rates for Teen Drivers in Lake Wales, Florida
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $14,859 | $16,069 |
| Geico | $4,877 | $6,109 |
| Liberty Mutual | $7,172 | $11,039 |
| Nationwide | $6,918 | $8,512 |
| Progressive | $10,224 | $11,169 |
| State Farm | $5,290 | $6,799 |
| USAA | $5,660 | $6,561 |
Buy Cheap Lake Wales, FL Auto Insurance for Seniors
You can save on senior auto insurance rates in Lake Wales, Florida by comparing Lake Wales senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lake Wales, FL here.
Annual Auto Insurance Rates for Senior Drivers in Lake Wales, Florida
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,711 | $3,769 |
| Geico | $2,556 | $2,556 |
| Liberty Mutual | $3,119 | $3,119 |
| Nationwide | $2,548 | $2,635 |
| Progressive | $3,102 | $3,321 |
| State Farm | $1,739 | $1,739 |
| USAA | $1,539 | $1,524 |
Find Cheap Auto Insurance Rates in Lake Wales, FL by Coverage Level
The amount of coverage you choose is a big factor in the cost of Lake Wales, Florida auto insurance. Compare Lake Wales, FL auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Lake Wales, Florida
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,399 | $7,255 | $8,081 |
| Geico | $2,844 | $3,568 | $3,941 |
| Liberty Mutual | $4,517 | $4,982 | $5,226 |
| Nationwide | $3,250 | $4,245 | $4,768 |
| Progressive | $4,515 | $5,548 | $6,196 |
| State Farm | $2,535 | $3,045 | $3,341 |
| USAA | $2,452 | $2,956 | $3,148 |
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Find Cheap Lake Wales, FL Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Lake Wales. Compare auto insurance rates in Lake Wales, FL by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in Lake Wales, Florida
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $6,717 | $7,106 |
| Geico | $3,435 | $3,468 |
| Liberty Mutual | $4,750 | $5,067 |
| Nationwide | $4,088 | $4,088 |
| Progressive | $5,420 | $5,420 |
| State Farm | $2,871 | $3,077 |
| USAA | $2,820 | $2,885 |
Find Cheap Lake Wales, FL Auto Insurance Rates by Driving Record
Auto insurance rates in Lake Wales, Florida are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lake Wales, FL, take a look at the average cost for various violations versus rates for a clean driving record in Lake Wales.
Annual Lake Wales, Florida Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,945 | $7,142 | $7,947 | $6,613 |
| Geico | $2,402 | $3,072 | $4,576 | $3,755 |
| Liberty Mutual | $3,552 | $4,599 | $6,649 | $4,834 |
| Nationwide | $3,484 | $3,826 | $5,166 | $3,874 |
| Progressive | $4,275 | $6,333 | $5,328 | $5,743 |
| State Farm | $2,721 | $3,226 | $2,974 | $2,974 |
| USAA | $2,231 | $2,757 | $4,080 | $2,340 |
Find Cheap Lake Wales, FL Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Lake Wales, Florida is higher than for a clean driving record. You can buy auto insurance after a DUI in Lake Wales for less when you shop around and compare rates from multiple Lake Wales, FL auto insurance companies.
Annual Auto Insurance Rates After a DUI in Lake Wales, Florida
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,947 |
| Geico | $4,576 |
| Liberty Mutual | $6,649 |
| Nationwide | $5,166 |
| Progressive | $5,328 |
| State Farm | $2,974 |
| USAA | $4,080 |
Winners by Category: Where to Buy Cheap Auto Insurance in Lake Wales, FL
Compare rates from the cheapest auto insurance companies in Lake Wales, FL for your needs. Take a look at how Lake Wales, Florida auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in Lake Wales, Florida
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
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Find Cheap Lake Wales, Florida Auto Insurance Companies
If you’re looking for the cheapest Lake Wales, FL auto insurance companies overall, you can compare them here. Find the best price for Lake Wales, Florida car insurance by company.
Average Annual Auto Insurance Rates by Company in Lake Wales, Florida
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,912 |
| Geico | $3,451 |
| Liberty Mutual | $4,908 |
| Nationwide | $4,088 |
| Progressive | $5,420 |
| State Farm | $2,974 |
| USAA | $2,852 |
What affects Lake Wales, Florida auto insurance rates?
Local factors affect auto insurance rates in Lake Wales, FL, including traffic, theft statistics, and commute length. Take a look at the things that impact Lake Wales auto insurance rates.
Auto Theft in Lake Wales
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Lake Wales, FL auto theft show a total of 24 vehicle thefts annually.
Commute Times in Lake Wales
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lake Wales, FL is 24.5 minutes according to City-Data.
Compare Auto Insurance Quotes in Lake Wales, FL
You can buy cheap Lake Wales, FL auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lake Wales, Florida auto insurance quotes from top companies.
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Frequently Asked Questions
Are there any specific auto insurance requirements in Lake Wales, FL?
Yes, Florida has specific auto insurance requirements that apply to Lake Wales as well. The minimum mandatory coverage includes Personal Injury Protection (PIP) with a minimum limit of $10,000 and Property Damage Liability (PDL) with a minimum limit of $10,000. However, it is advisable to consider additional coverage options for more comprehensive protection.
What additional coverage options should I consider for my auto insurance in Lake Wales, FL?
While the minimum coverage requirements are mandatory, you may want to consider these four additional coverage options such as:
- Bodily Injury Liability (BIL) coverage
- Collision coverage
- Comprehensive coverage
- Uninsured/Underinsured Motorist coverage
Can my credit score affect my auto insurance rates in Lake Wales, FL?
Yes, your credit score can have an impact on your auto insurance rates in Lake Wales, FL. Insurance providers may consider credit-based insurance scores as one of the factors when determining your premiums. Maintaining a good credit score can help you secure better insurance rates.
Are there any discounts available for auto insurance in Lake Wales, FL?
Yes, many insurance providers offer various discounts that can help you save on auto insurance premiums in Lake Wales, FL. Here are the five common discounts:
- Multi-policy discount
- Good driver discount
- Safety feature discount
- Good student discount
- Low mileage discount
Is it recommended to purchase only the minimum required auto insurance in Lake Wales, FL?
While the minimum coverage is legally required, it may not provide adequate protection in all situations. It’s advisable to consider your individual circumstances and potential risks. Additional coverage options can provide more comprehensive protection and help safeguard your finances in case of an accident.
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Brad Larson
Licensed Insurance Agent
Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.