Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Lake Wales, FL are $364/month
  • The cheapest car insurance company in Lake Wales for teen drivers is GEICO
  • The annual number of car thefts in Lake Wales is 24.

Average car insurance rates in Lake Wales, Florida are $364 a month. But with a little research you can get a great deal from the top car insurance companies in Lake Wales, FL. Before you buy Lake Wales, Florida car insurance, make sure your coverage meets or exceeds the Florida minimum of 10/20/10.

It may even be helpful to compare Lake Wales car insurance rates with Fort Lauderdale car insurance rates, Cape Coral car insurance rates, or Orlando car insurance rates to make sure you’re getting the best Lake Wales, FL car insurance quotes available.

Need affordable Lake Wales, FL car insurance? Enter your ZIP code to compare Lake Wales car insurance quotes from multiple car insurance companies near you.

Lake Wales, FL Minimum Car Insurance Coverage

Lake Wales, Florida law requires drivers carry a minimum of 10/20/10 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Lake Wales, FL Car Insurance Rates by Coverage Level

Some Lake Wales drivers can get by with the Florida minimum coverage of 10/20/10. Other drivers may need more. See how much your Lake Wales, Florida car insurance rates may be based on the coverage you need.

Annual Car 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

Lake Wales, FL Car Insurance Rates by Age, Gender, and Marital Status

Lake Wales, Florida car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lake Wales, FL car insurance, get quotes from multiple car insurance companies in the Lake Wales area and see how these criteria affect your rates.

Annual Car 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

Lake Wales, FL Car Insurance Rates for Teens

How much is Lake Wales, Florida car insurance for teens? Compare rates from top Lake Wales car insurance companies below to help find the cheapest teen car insurance in Lake Wales, FL.

Annual Car 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

Lake Wales, FL Car Insurance Rates for Seniors

Before seniors buy Lake Wales, Florida car insurance, they should make sure to shop around. Some Lake Wales, FL car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Lake Wales, FL Car Insurance Rates by Credit History

How does your credit history affect Lake Wales, FL car insurance rates? Review the numbers here to find out.

Annual Car 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

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Lake Wales, FL Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lake Wales, Florida car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lake Wales.

Annual Lake Wales, Florida Car 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

Lake Wales, FL Car Insurance Rates With a DUI

Even a single DUI can increase your Lake Wales, FL car insurance rates. Compare rates below to see which Lake Wales car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Lake Wales, Florida

Insurance Company Annual Car 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

Lake Wales, FL Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lake Wales, FL car insurance rates may be. Let’s take a look at average car insurance rates from top Lake Wales companies based on commute time.

Annual Car 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

Lake Wales, FL Cheapest Car Insurance Rates

How do the top Lake Wales, Florida car insurance companies’ average rates stack up against the Lake Wales average monthly car insurance rates of $364? Take a look and see.

Best Annual Car 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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Lake Wales, FL Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lake Wales, Florida car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Lake Wales, FL Car Insurance Rates

Before you buy Lake Wales, Florida car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lake Wales, FL Car Theft Rates

The car theft rate in Lake Wales, FL will affect your car insurance rates. FBI data shows that the annual car theft rate for Lake Wales, Florida is 24 stolen cars.

Lake Wales, FL Commute Time

How does your Lake Wales, FL commute time compare with the average driver? In Lake Wales, the average commute is 24.5 minutes.

Lake Wales, FL Car Insurance Quotes

Compare Lake Wales, FL car insurance quotes from multiple companies by entering your ZIP code now.