Best Car Insurance in Lakeland, Florida [The Complete Guide]

We totally get it — finding the perfect car insurance policy that fits your family’s needs and budget is a hefty task, especially when you don’t have hours to spend sifting through rates, fine print, and company reviews.

Your life is busy already and adding one more time-consuming thing to your laundry list isn’t what we’re here to do. In fact, we’re here to do the opposite.

Not only is our complete guide to Lakeland, Florida, car insurance going to help you find the best rate and policy in just a few short minutes, but we’re also going to explain important traffic laws, road conditions, insurance rate factors, how to save money on Florida car insurance, and much more.

So don’t sweat it! Take a few deep breaths, sit back, and relax as we tackle everything you need to know about car insurance in Lakeland, Florida.

Do you want to start comparing rates in your area right now? Use our free tool by entering your zip code in the box above or keep reading to learn more about car insurance discounts in Lakeland, Florida.

Keep in mind that Florida drivers can save up to $859 per year by comparing car insurance rates.

The Cost of Car Insurance in Lakeland

We don’t want to keep you waiting, so let’s get straight to the point. Many people often consider the cost of a car insurance policy before they consider anything else. But how much does car insurance in Lakeland, Florida, cost?

While we can’t give you just one simple answer to this question, we can explain the many factors that go into determining the rate for a car insurance policy.

Factors like age, gender, marital status, driving record, credit score, and more are all factors that can affect your rate. Stay tuned for more about the secret to finding Florida discount car insurance.

Male vs. Female vs. Age

Let’s look at how a driver’s gender and age can affect their rate.

Based on stats provided in a recent study by Data USA, the median age in Lakeland, Florida, is 41.3 years of age. This means that most car insurance companies will loosely base a rate on age.

Statistically, young drivers under the age of 25 are charged the highest rates, while 40-year-olds are considered to be of a safer driving age by most car insurance companies.

Let’s look at how gender and specific ages can affect your rate.

If we examine the table above, we can see that as a driver ages, the cheaper their premium becomes. Keep in mind that this data is based on a driver who keeps a clean record throughout their life.

Did you know women usually pay less for car insurance than men? This is because women are deemed the more responsible gender according to many car insurance companies. In fact, according to Quadrant Data, on average, women pay less than men in every city in Florida.

In Lakeland, Florida, men pay an average rate of $4,350.06 for car insurance per year while women pay an average of $4,124.38 per year for the same insurance policy.

The table below indicates how marital status, age, and gender can factor into the cost of insurance in Lakeland, Florida.

As you can see, usually people who are married pay less for car insurance than people who are single. Insurance companies often believe that because married people are committed to each other and the well-being of one another, they are more likely to be responsible, pay their bills on time, and stay safer on the road.

Don’t be discouraged by these rates — there are still plenty of other factors that can go into affecting your rate.

Cheapest Zip Codes in Lakeland

Even though it seems unrelated, your place of residence can impact your car insurance rate.

Places with higher crime rates and natural disasters can make drivers look like a riskier client. This is why it is important for car insurance companies to know where a potential client lives.

The table below shows the cheapest zip codes in Lakeland for car insurance. Use the search bar to navigate the table and find out how much Florida insurers are charging consumers where you live.

What’s the best car insurance company in Lakeland?

It’s important to note that not all car insurance companies base their premiums on the same factors. Things like your driving record, your credit history, and the coverage level of insurance you have are all relative factors that your rate might be based on.

Some car insurance companies are more popular or more trusted than others, so they are able to charge a little more for their insurance. Some companies have bad reputations, so to gain more clients, they might offer a driver a less expensive rate.

In other words, rates are subjective across any and all car insurance companies.

But how would someone know where to find the best rate with the best car insurance policy? We’ve done all the leg work for you. In this next section, we’ll cover the best rates out there based on a number of different factors.

Cheapest Car Insurance Rates by Company

The table we have here indicates the car insurance companies that charge the cheapest coverage rates in Lakeland, Florida.

If you take a closer look at the table above, you’ll notice that USAA has the cheapest rates, while Allstate has the most expensive rates.

In general, make sure you’re paying attention to your demographic rather than the cheapest rate.

Best Car Insurance for Commute Rates

According to the Federal Highway Administration’s 2014 Licensed Drivers By State report, Floridians drove an average of 14,465 miles in the state that year. The table here indicates the average annual premiums Lakeland, Florida, insurers charge based on consumers’ commute rates.

It’s interesting to see how some car insurance companies raise your rate by a couple of hundred dollars per year if you drive more than the average person, while other car insurance companies will leave your rate alone even if you are a frequent driver.

For example, it doesn’t matter if you drive 10 or 25 miles a day — companies like Nationwide and Progressive charge you the exact same amount of money per year.

Best Car Insurance for Coverage Level Rates

Did you know that the coverage levels you pick for your insurance policy in Lakeland, Florida, could dramatically increase or decrease your annual premiums?

Take a look at the table below.

Sometimes a car insurance company will give you a break on your rate if you buy more insurance than what is legally required by the state of Florida.

Check out Geico, for example. For just a few hundred dollars more per year, you can go from having low coverage to high coverage. If you can afford it now, paying just a little more for your car insurance policy could save you thousands of dollars in the long run.

Best Car Insurance for Credit History Rates

How does your credit history affect your car insurance premium?

In some states, basing a car insurance rate off a credit score is illegal, but this is not the case in Florida, so let’s see how your credit history can affect your car insurance rates.

Every car insurance company listed above charges a person who has poor credit thousands of dollars more for their rate per year. Keeping a good credit score doesn’t just affect things like interest rates and credit approvals — it can also raise your car insurance rates significantly.

Best Car Insurance for Driving Record Rates

The biggest factor that affects your car insurance rate is your driving record. It makes sense, right?

If you’re a notoriously poor driver who gets into many accidents and needs a big insurance policy to cover them all, chances are an insurance company will raise your rate to help cover the costs of all those accidents. On the other hand, if you’re a clean driver and you don’t call your insurance company very often, it’s likely you’re not going to be given a high rate.

Check out the table below.

As you can see, one accident can raise your rate by $1,000 or more per year. Being convicted of one DUI can increase your rate by thousands of dollars more per year.

If you’ve been in an accident or been convicted of a DUI, try State Farm. From our data above, it looks like State Farm is one of the most forgiving when it comes to car insurance rates.

Car Insurance Factors in Lakeland

We’ve covered factors like gender, marital status, and driving and credit record, but what other factors can affect your car insurance rate?

Here’s what you really need to know when it comes to buying car insurance in Lakeland, Florida.

Metro Report – Growth & Prosperity

Let’s take a look at the growth and prosperity in the Lakeland-Winterhaven area in the 2019 Brookings Metro Report.

Prosperity:

• Productivity: +2.3 percent (eighth out of 100)
• Standard of Living: +2 percent (29th out of 100)
• Average Annual Wage: +1 percent (53rd out of 100)

Growth:

• Jobs: +2.6 percent (18th out of 100)
• Gross Metropolitan Product (GMP): +5 percent (sixth out of 100)
• Jobs and Young Firms: -5.5 percent (95th out of 100)

From 2016-2017, Lakeland saw an increase in both growth and prosperity.

Median Household Income

What is Lakeland’s median household income?

According to Data USA, households in Lakeland have a median annual income of $42,033, which is less than the median annual income of $60,336 across the entire United States. This is in comparison to a median income of $40,918 in 2016, which represents a 2.72 percent annual growth.

Auto insurance in Lakeland, Florida, costs an average of $3354.77 per year. This means that residents in Lakeland spend 7.9 percent of their income per year on car insurance alone.

Use our calculator tool below to figure out what percent of your income is spent on your current car insurance policy.

Homeownership in Lakeland

Did you know that being a homeowner can help lower your car insurance rate? You might not think owning a home and having car insurance are related, but car insurance companies feel people who own a home are responsible individuals and cautious drivers who are more likely to pay their bills on time,

Data USA says that in 2017, 56.3 percent of the housing units in Lakeland were occupied by their owner. This percentage grew from the previous year’s rate of 55.3 percent. This percentage of owner-occupation is lower than the national average of 63.9 percent.

In 2017, the median property value in Lakeland grew to a value of $119,700, while the previous year’s value of a home was $109,300.

Education in Lakeland

The city of Lakeland has several great colleges and universities. In 2016, universities in Lakeland awarded 1,393 degrees.

The student population of Lakeland is skewed toward women, with 4,662 male students and 5,564 female students.

Based on the 2016 stats acquired by Data USA, the largest universities in Lakeland in terms of degrees conferred were Florida Southern College, Southeastern University, and Artistic Nails and Beauty Academy Lakeland.

The number of graduates, as well as the percentage of total degrees the largest Lakeland educational institutions conferred in 2016, are as follows:

• Florida Southern College: 666 degrees awarded
• Southeastern University: 663 degrees awarded
• Artistic Nails and Beauty Academy Lakeland: 64 degrees awarded

Currently, the most popular majors in Lakeland by concentration and percentage of degrees awarded are:

• General Psychology: 74 degrees awarded
• General Business Administration and Management: 137 degrees awarded
• Other Theology and Religious Vocations: 107 degrees awarded

Florida Polytechnic University is another large university in the Lakeland area.

Wage by Race & Ethnicity in Common Jobs

Does ethnicity affect the wage rate in Lakeland, Florida?

The table below indicates wages for common jobs based on race and ethnicity in Lakeland, Florida, along with the percentage of those workers’ incomes going to auto insurance premiums.

It’s crazy to see different wages for different ethnicities for the same job. Some of these professionals will spend 20 percent or more of their yearly incomes on car insurance alone.

Wage by Gender in Common Jobs

The gender pay gap is a hot topic in the media and in the workplace, but the data doesn’t lie. According to Data USA, in 2017, full-time male employees in Florida made 1.34 times more than female employees.

• Lakeland Female Average Salary: $44,078
• Lakeland Male Average Salary: $58,931

That’s more than a $14,000 wage gap between genders. Even if male and female employees hold the exact same job title, the statistics reveal that male workers will still bring home a higher personal income.

The average annual cost of car insurance in Lakeland, Florida, is $3,354.77.

This means that while women are paying out approximately 7.6 percent of their annual income to cover the cost of car insurance premiums, men are paying out just 5.6 percent of their total yearly earnings for coverage.

Poverty by Age & Gender

Let’s take a look at some key trends concerning age and gender for poverty rates.

There is 17.9 percent of the population living below the poverty line (for whom poverty status is determined) in Lakeland. This is 17,900 out of 100,000 people — a number higher than the national average of 13.4 percent. The largest demographic living in poverty are females aged 18-24, followed by females aged 55-64 and then females aged 25-34.

The Census Bureau uses a set of money income thresholds that vary by family size and composition to determine who classifies as impoverished. If a family’s total income is less than the family’s threshold, that family and every individual in it is considered to be living in poverty.

Poverty by Race & Ethnicity

Data USA’s statistics reveal just how poverty rates affect residents in Lakeland, Florida, based on race and ethnicity. The most common ethnic group living under the poverty line are white individuals, followed by black and Hispanic racial groups.

Approximately 9,833 individuals in the white ethnic group are categorized as living below the poverty line, with 6,853 blacks meeting poverty standards.

Hispanic ethnic groups make up the smallest proportion of individuals residing below the poverty line with a total of 3,605 as of 2017.

Employment by Occupations

According to Data USA, from 2016 to 2017, employment in Lakeland grew at a rate of 4.32 percent, from 40,800 employees to 42,600 employees.

The most common job groups, by number of people living in Lakeland, are Office & Administrative Support Occupations (6,571 people), Sales & Related Occupations (5,640 people), and Management Occupations (3,471 people).

Driving in Lakeland

Whether you’re just driving to work or school or you’re headed for a joyride, traffic can sometimes be difficult to avoid. In this next section, we want to show you some of the fastest routes in Lakeland, Florida. Knowing the best routes can help you save time and money.

Keep scrolling for your complete guide to the best driving routes in Lakeland, Florida.

Roads in Lakeland

From back roads that no one really knows about to major highways with frequent traffic and construction work, we’ve got all the information on roads in Lakeland, Florida.

Major Highways

Florida has 12 active routes running through the state, comprising a total of 1,497.58 miles of roadway. These active interstates include:

• I-4
• I-10
• I-75
• I-95
• I-110
• I-175
• I-275
• I-375
• I-195
• I-295
• I-395
• I-595
• I-795

As you can see, there are a few different major highways that run through Lakeland, Florida. US-92, I-4, and FL-37 all run through Lakeland and have heavy traffic congestion at any part of the day.

FL-570 is the major toll road that runs through Lakeland. Florida has more miles of toll road than any other state in the country, extending 700 miles throughout the Sunshine State.

Florida’s toll pass is aptly named the SunPass and is an electronic transponder that drivers can affix to their windshield to pass through the E-Pass, SunPass, and O-Pass toll lanes.

Toll charges are subtracted from the motorist’s prepaid account. Motorists may use their SunPass in North Carolina and Georgia, as well.  The SunPass can also be used to pay for parking at the following airports:

• Palm Beach International
• Fort Lauderdale International
• Orlando International
• Tampa International

You can choose between the SunPass Portable and SunPass Mini when purchasing your toll pass.

The pass costs $19.99 plus tax. You can purchase it online if you prefer. The SunPass Mini costs $4.99 online, or you can pick up one at any of the locations previously mentioned.

Drivers must register their SunPass Portable or SunPass Mini with a starting balance of at least $10. To register, you can:

• Activate your transponder online
• Purchase your pass online
• Call 1-888-TOLL-FLA (1-888-865-5352)

Visit Florida’s SunPass page for more information.

Popular Road Trips/Sites

The state of Florida is well-known for an array of fun things, but did you know that Lakeland, Florida, is just about 40 miles away from Walt Disney World in Orlando, Florida? Do you want to go to Hollywood but can’t afford a trip to California? No problem — did you know Hollywood, Florida, has some of the most beautiful beaches on the east coast? If you’re not a Disney fan or a beach bunny, don’t worry — there are still many other fun things to do in Lakeland.

Take a quick look at some of these amazing things to do in Lakeland, Florida, brought to you by Trip Advisor.

• Circle B Bar Reserve: See some wildlife and natural beauty on this reserve right in the middle of Lakeland. It’s a great place to walk, bike, run and meet some new friends.
• Hollis Garden: Hollis Garden is a beautiful botanical garden and a hidden gem. Overlook Lake Mirror peacefully as you make your way through flowers, wildlife, and more. When you’re done, take a stroll through downtown Lakeland.
• Joker Marchant Stadium: Visiting this impressive ballpark is a great way to see your favorite professional baseball team do some spring training. It’s never terribly crowded, so all you have to do it pay about $8 to get into the stadium and pick a seat.
• Swan Brewing: Swan Brewing is a 10BBL brewery in downtown Lakeland Florida. The brewery features 30 taps of great craft beer, live music, games, and food trucks.
• Wing Chung Kung Fu Downtown Lakeland: Learn martial arts and a large range of impressive skills at this exciting studio. Wing Chung Kung Fu is a great place for kids and adults of all ages.

Road Conditions

Let’s take a look at Lakeland’s road conditions in the table below. This data is brought to you by Tripnet.org.

According to the city of Lakeland, there are a number of current and future road construction projects going on. If you click here, you can read all of these projects. For drivers who use the app Waze, advisories and delays are posted there, as well.

You can also check the city of Lakeland’s FDOT Road Construction Updates page for the latest project developments.

Does your city use speeding or red-light cameras?

https://www.youtube.com/watch?v=tWQYV5LgdwE

What is a red-light camera?

According to the IIHS, if a vehicle enters an intersection any time after the signal light has turned red, the driver has committed a violation.

Motorists who are inadvertently in an intersection when the signal changes (waiting to turn left, for example) are not red-light runners.
In locations where a right turn on red is permitted, drivers who fail to come to a complete stop before turning may be considered red-light runners. Violations also include people turning right on red at intersections where doing so is prohibited.

Lakeland has currently authorized the use of red-light cameras across the city, but Florida does not have any state laws in place regarding speed cameras.

Vehicles in Lakeland

Keep reading for more information on vehicle theft and car trends.

Most Popular Vehicles Owned

According to YourMechanic.com, the most popular vehicle in Lakeland, Florida, is a Honda Accord.

How Many Cars Per Household

According to Data USA, the average household in Lakeland, Florida, owns a total of two cars. A large number of households in Lakeland only have one car. This means that Lakeland has a higher average than the national average.

Households Without a Car

Even though many households in Lakeland own a car, there are a few households that don’t own a car at all.

According to this data, the percentage of households without a car decreased in 2016.

Ready to start comparing car insurance rates in Lakeland, Florida, right now? Enter your zip code in the box below.

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Speed Traps in Lakeland

Have you ever seen a law enforcement officer hiding in their car under an overpass, behind trees, or maybe an empty cop car parked on a median in the middle of a busy intersection? These are all great examples of speed traps.

While there are many reported speed traps located in and around the city of Lakeland, Lakeland did not make it onto the 10 worst speed trap cities in Florida.

To ensure you’re not pulled over for a traffic violation, always make sure you’re driving the speed limit and following city and state driving laws.

Vehicle Theft in Lakeland

How safe is your vehicle from theft in the city of Lakeland?

The FBI reported 210 vehicle thefts in the city of Lakeland in the year of 2017. Even though this might seem like a high number, according to Neighborhood Scout, Lakeland is considered to be 9 percent safer than all U.S. cities.

The safest neighborhoods in Lakeland, Florida, per Neighborhood Scout, are as follows:

1. Branchborough
2. Fox Town
3. County Line Rd / Ewell Rd
4. County Rd 540A / Yarborough Ln
5. Yates Rd / Brook Dr
6. Lakeland Highlands
7. Poyner / Berry
8. E Carter Rd / Klein Rd
9. Lakeland Highlands Rd / Rogers Rd
10. S Florida Ave / Lake Miriam Dr

Check out the map below to see the neighborhoods in Lakeland, Florida.

The light purple areas show the safest areas in Lakeland while the dark purple areas show the most dangerous areas in Lakeland.

Neighborhood Scout also revealed that your chances of becoming a victim of violent crime are approximately 2.87 per 1,000 residents. This is quite a bit lower than the statewide figure, which puts residents at a 4.08 per 1,000 chance of being a victim of violent crime.

The table below illustrates the incidents of violent crime in Lakeland, Florida, in 2017 alone. There was one murder in Lakeland in 2017.

Here are Lakeland’s annual number of crimes for the year 2017.

If you’re thinking about moving to Lakeland, it might be a wise idea to consider a safer neighborhood in the city.

Traffic

We’ve talked about crime and road conditions, but now it’s time to move on to traffic conditions.

Let’s take a look at some of Lakeland’s busiest roads and highways.

Traffic Condition in Lakeland

Good news for Lakeland drivers! According to the 2018 INRIX Traffic Scorecard, Lakeland did not make it onto the Worst Cities for Traffic in the U.S. list. However, just because Lakeland isn’t on this list doesn’t mean you’ll never sit in any sort of traffic.

Because Lakeland is relatively near Orlando’s Walt Disney World, you might see some traffic as you head eastbound further into the Winter Haven/Orlando area.

Transportation

We know Lakeland drivers don’t spend a ton of time sitting in heavy traffic jams, but what is the average amount of time they spend driving to and from work every day? What mode of transportation is used the most by Lakeland residents?

According to Data USA, using averages, employees in Lakeland have a shorter commute time (20 minutes) than the normal U.S. worker (25.1 minutes). Additionally, 1.05 percent of the workforce in Lakeland have “super commutes” in excess of 90 minutes.

Data USA also says that in 2017, the most common method of travel for workers in Lakeland was to drive alone (81 percent), followed by those who carpooled (9.46 percent) and those who worked at home (4.55 percent).

Busiest Highways

According to the Florida Department of Transportation and the U.S. Department of Transportation’s Federal Highway Administration, I-4 is the third-busiest highway in the U.S.

Interstate 75 was the second-busiest with more than nine billion miles traveled, followed by I-4, which passes through Polk County, with almost five billion miles traveled. Interstate four runs from Tampa and St. Petersburg, Florida, through Lakeland (and Polk County), Kissimmee, and up to Daytona.

FDOT also defines heavy traffic congestion as follows:

• Urban Areas — Traffic is bumper to bumper or moving at a stop and go pace
• Rural Areas — It is difficult to change lanes due to the congestion

How safe are Lakeland’s streets & roads?

We’ve already covered crime rates in and around the city of Lakeland, but how safe are Lakeland’s streets and roads? What is Lakeland’s average traffic fatality rate? What causes these fatalities in the first place?

The National Highway Traffic Safety Administration can help us answer some of these difficult questions.

Let’s take a look at the NHTSA’s 2018 traffic study. The study reported the safety conditions and fatal crashes in Polk County that year. To begin, let’s first take a look at the total fatal crashes in Polk County as of 2018.

There were 123 fatal crashes in 2018.

The table below shows fatality types in Polk County from 2014-2018.

As you can see, single-vehicle crashes and crashes involving a roadway departure resulted in the most traffic fatalities in Polk County.

This table below shows fatal crashes in the state of Florida by Road Function Class according to FARS Encyclopedia.

Most fatal crashes happen on urban roads.

The U.S. Department of Transportation accumulated data indicating the fatalities and injuries in Lakeland due to highway and railroad crashes in recent years, as listed in the table below.

A freight train on Private Drive in Lakeland, Florida, killed one person.

Allstate America’s Best Drivers Report

How do drivers in the city of Lakeland compare to drivers nationwide?

According to data collected from Allstate’s Best Drivers in America Report, Orlando (this is the largest metro area near Lakeland) is the 93rd-safest city to drive in the country as of 2019.

In and around Lakeland, Florida, the likelihood of a claim being made as compared to the national average is 15 percent. Residents of Lakeland typically have 8.7 average years between claims.

Eight to nine years between claims is a good number. It shows that residents in Lakeland don’t get into car accidents very often. But have you ever wondered how often a driver suddenly brakes while driving?

Lakeland’s hard-braking events per 1,000 miles are 21.5.

Ridesharing

What types of ridesharing services are available in Lakeland? See the extensive list by RideGuru below.

• Blacklane: When you order a Blacklane car, a luxury vehicle with seating for one to five people will pick you up.
• Carmel: When you order a Carmel car you have the choice of riding in a Sedan, Minivan, Stretch Limousine, SUV, and SUV super-stretch limo.
• Lyft
• Lyft Plus: The best Lyft option for larger groups wishing to travel together. A Lyft Plus car can seat six or more passengers. The fare prices are slightly more expensive than a regular Lyft to compensate van and SUV drivers for higher vehicle running costs.
• RideYellow: Hail and pay for a traditional Taxi through the RideYellow app. RideYellow offers Taxi drivers a way to get more business during slower times.
• SuperShuttle: When you order a SuperShuttle, a shuttle or black car (depending on which service you order) will pick you up. SuperShuttle has reservation options for one to 10 passengers.
• Talixo: When you book a Talixo car, you will have the option of choosing an economy, business, or luxury class vehicle for a variety of price points. Talixo’s cars come in various sizes with their largest size accommodating up to seven passengers.
• Taxi
• UberSelect: Very similar to Uber Black, except with UberSelect, the car does not have to be black. It’s a step above UberX, yet slightly below the prices of UberBlack. When you request an UberSelect, a higher-end sedan with seating for up to four people will pick you up. One fun requirement is that the vehicle must have leather seats!
• UberX: Uber’s budget option in the United States. When you select an Uber X car, an everyday car with seating for up to four people will arrive to pick you up.
• Uber XL: Uber’s budget option for larger groups. When you order an Uber XL, a car with seating for up to six people will arrive to pick you up.

As you can see, Lakeland has quite a few options for ridesharing.

E-star Repair Shops

Have you been in a recent accident in or around Lakeland, Florida? Are you in need of some vehicle repairs? You’ve come to the right place. E-star is an Esurance-sponsored program that helps drivers find the best repair shops in their area.

Check out some of the top 10 vehicle repair shops located in Lakeland according to EStar. Carstar Autobody Ressurection is rated as the number one car repair shop in Lakeland.

Weather

Although it seems like it’s always hot in Florida, there are some months of the year when the temperature drops and you might need a jacket outside. The table below indicates U.S. Climate Data’s stats for typical temperatures in Lakeland.

The average temperature in Lakeland, Florida, is 74.25 degrees.

What natural disasters are the city of Lakeland vulnerable to?

According to CityData.com, Polk County has experienced 21 total natural disasters, which is significantly higher than the nationwide average of 13. A total of 12 of natural disasters in Polk County were declared by the president as major disasters, while five were declared to be emergencies.

The causes of these natural disasters were as follows:

• Hurricanes: 9
• Fires: 6
• Tropical Storms: 4
• Tornadoes: 3
• Floods: 2
• Freeze: 1
• Storm: 1
• Wind: 1

Some natural disasters may fall into more than one category noted above.

What type of car insurance coverage do you need to cover your car in the event of a natural disaster? Comprehensive coverage takes care of you and your vehicle if it is damaged during a natural disaster or an “act of God.”

Although having this type of coverage might cost you more money in general per year than your average liability policy, comprehensive coverage could save you thousands of dollars in the long run.

Public Transit

Sometimes driving a car just isn’t an option; that’s why we want to show you public transportation methods in Lakeland, Florida.

Public transit in Polk County is provided by the Lakeland Area Mass Transit District, operating as Citrus Connection, which includes all public transportation within the county, including Winter Haven Area Transit, rural routes servicing Bartow, Ft. Meade, and Frostproof, as well as all paratransit service.

For years, public transit was made up of three agencies operating independently of each other, creating some challenges for riders who want to utilize the transit system throughout the county. Today, those services, personnel, and assets are working together to bring you a top-quality transit system under one simplified banner: Citrus Connection.

To ride, simply purchase your new Citrus Connection SMARTCARD for only $2. Load any of these fare options — Senior, Disabled, ADA, Day Pass, 7-Day Pass, or 31-Day Pass — using cash or credit card at the following locations: