Compare Lakewood, NJ Car Insurance Rates (2021)

Car insurance in Lakewood, NJ averages $480 a month. Lakewood, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Lakewood car insurance rates, compare quotes from the top car insurance companies in Lakewood, NJ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Lakewood for teen drivers is GEICO
  • Average car insurance rates in Lakewood, NJ after a DUI are $6,946/year
  • The cheapest car insurance company in Lakewood is GEICO

If you need to buy Lakewood, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Lakewood, NJ is right here.

You’ll find Lakewood car insurance rates, the cheapest Lakewood, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Lakewood, New Jersey car insurance rates to Newark car insurance rates, Elizabeth car insurance rates, and Clifton car insurance rates.

Ready to find affordable Lakewood, NJ car insurance today? Enter your ZIP code for fast, free Lakewood car insurance quotes.

Cheapest Lakewood, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Lakewood, NJ car insurance rates? Every Lakewood, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lakewood, New Jersey

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 $3,192 $3,177 $3,103 $3,103 $9,989 $12,115 $3,761 $3,843
Farmers $4,740 $4,764 $4,629 $4,494 $13,341 $15,243 $5,592 $5,572
GEICO $2,633 $2,605 $2,594 $2,594 $4,925 $4,905 $3,062 $2,966
Liberty Mutual $4,450 $4,450 $4,884 $4,884 $11,429 $12,958 $4,884 $5,595
Progressive $2,078 $1,910 $1,871 $1,951 $9,150 $9,806 $2,443 $2,265
State Farm $5,425 $5,425 $4,928 $4,928 $18,035 $23,141 $6,203 $6,928
Travelers $3,374 $3,264 $3,131 $3,151 $7,602 $8,563 $3,263 $3,224

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Minimum Car Insurance in Lakewood, NJ

Every driver must carry the minimum car insurance in Lakewood, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Lakewood, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Lakewood, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lakewood, NJ. Compare credit history car insurance rates in Lakewood from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Lakewood, New Jersey

Insurance Company Poor Fair Good
Allstate $7,371 $4,753 $3,733
Farmers $8,756 $6,767 $6,368
GEICO $4,968 $2,841 $2,048
Liberty Mutual $8,480 $6,288 $5,308
Progressive $4,432 $3,842 $3,529
State Farm $13,590 $8,176 $6,363
Travelers $6,001 $4,373 $2,965

Cheapest Lakewood, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lakewood, NJ to rates for a clean record with top companies.

Annual Lakewood, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,963 $6,583 $5,773 $4,822
Farmers $5,686 $9,539 $7,878 $6,085
GEICO $2,551 $3,360 $4,681 $2,551
Liberty Mutual $6,426 $7,358 $6,558 $6,426
Progressive $3,344 $4,576 $3,878 $3,939
State Farm $5,073 $9,280 $14,938 $8,215
Travelers $3,410 $5,090 $4,919 $4,366

Cheapest Lakewood, NJ Car Insurance for Teen Drivers

Teen car insurance in Lakewood, NJ can be expensive. Take a look at rates from the top car insurance companies in Lakewood for teenagers.

Annual Car Insurance Rates for Teen Drivers in Lakewood, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,989 $12,115
Farmers $13,341 $15,243
GEICO $4,925 $4,905
Liberty Mutual $11,429 $12,958
Progressive $9,150 $9,806
State Farm $18,035 $23,141
Travelers $7,602 $8,563

Cheapest Lakewood, NJ Car Insurance for Seniors

Take a look at Lakewood, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Lakewood, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,103 $3,103
Farmers $4,629 $4,494
GEICO $2,594 $2,594
Liberty Mutual $4,884 $4,884
Progressive $1,871 $1,951
State Farm $4,928 $4,928
Travelers $3,131 $3,151

Cheapest Lakewood, NJ Car Insurance Rates After a DUI

A DUI in Lakewood, NJ increases car insurance rates. Compare Lakewood, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Lakewood, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,773
Farmers $7,878
GEICO $4,681
Liberty Mutual $6,558
Progressive $3,878
State Farm $14,938
Travelers $4,919

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Cheapest Lakewood, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lakewood, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Lakewood, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,275 $5,296
Farmers $7,297 $7,297
GEICO $3,257 $3,314
Liberty Mutual $6,627 $6,757
Progressive $3,934 $3,934
State Farm $9,127 $9,626
Travelers $4,446 $4,446

The Best Cheap Car Insurance Companies in Lakewood, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Lakewood, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Lakewood, New Jersey

Insurance Company Average Annual Rates
Allstate $5,285
Farmers $7,297
GEICO $3,286
Liberty Mutual $6,692
Progressive $3,934
State Farm $9,376
Travelers $4,446

Category Winners: Cheapest Car Insurance in Lakewood, New Jersey

Find the cheapest car insurance companies in Lakewood, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Lakewood, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Cheapest Lakewood, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Lakewood car insurance rates. Find the cheapest Lakewood, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Lakewood, New Jersey

Insurance Company Low Medium High
Allstate $4,890 $5,361 $5,605
Farmers $6,469 $7,253 $8,168
GEICO $2,905 $3,359 $3,593
Liberty Mutual $5,984 $6,895 $7,196
Progressive $3,525 $4,003 $4,275
State Farm $8,644 $9,511 $9,975
Travelers $4,049 $4,445 $4,846

What affects car insurance rates in Lakewood, New Jersey?

What factors can have an impact on Lakewood, NJ car insurance? There are several reasons why Lakewood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lakewood, New Jersey.

Commute Time in Lakewood

The more time you spend in your car the higher the risk of an accident. The average commute length in Lakewood, NJ is 20.8 minutes according to City-Data.

Compare Car Insurance Quotes in Lakewood, NJ

Ready to find affordable Lakewood, New Jersey car insurance today? Enter your ZIP code for fast, free Lakewood, NJ car insurance quotes.

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