Compare Lakewood, NY Car Insurance Rates (2021)

Car insurance in Lakewood, NY averages $249 a month. Lakewood, New York car insurance requirements are 25/50/10, 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, NY.

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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

  • Average car insurance rates in Lakewood, NY are $2,989/year
  • The cheapest car insurance company in Lakewood is GEICO
  • The cheapest car insurance company in Lakewood for teen drivers is GEICO

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

You’ll find Lakewood car insurance rates, the cheapest Lakewood, NY car insurance companies, and information on New York car insurance laws. You can also compare Lakewood, New York car insurance rates to Utica car insurance rates, Buffalo car insurance rates, and Albany car insurance rates.

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

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

How do age, gender, and marital status affect Lakewood, NY car insurance rates? Every Lakewood, New York 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 York

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 $2,280 $2,144 $2,125 $2,149 $6,353 $6,797 $2,267 $2,283
GEICO $1,329 $1,280 $1,292 $1,273 $2,743 $3,978 $1,201 $1,234
Liberty Mutual $3,093 $3,093 $2,879 $2,879 $5,939 $9,636 $3,093 $3,293
Nationwide $2,078 $2,078 $1,963 $1,963 $3,618 $5,377 $2,078 $2,635
Progressive $1,432 $1,353 $1,162 $1,177 $4,761 $5,323 $1,850 $1,816
State Farm $2,162 $2,162 $1,884 $1,884 $6,337 $8,192 $2,374 $2,514
Travelers $2,342 $2,380 $2,127 $2,293 $5,310 $6,309 $2,491 $2,607
USAA $1,494 $1,470 $1,355 $1,359 $5,911 $7,036 $1,911 $2,112

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Minimum Car Insurance in Lakewood, NY

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

Minimum Required Car Insurance Coverage in Lakewood, New York

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Lakewood, NY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Lakewood, NY. 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 York

Insurance Company Poor Fair Good
Allstate $4,711 $2,778 $2,411
GEICO $2,244 $1,650 $1,480
Liberty Mutual $5,914 $3,882 $2,918
Nationwide $2,724 $2,724 $2,724
Progressive $3,706 $1,942 $1,430
State Farm $4,855 $3,044 $2,416
Travelers $4,425 $2,815 $2,457
USAA $4,355 $2,198 $1,941

Cheapest Lakewood, NY 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, NY to rates for a clean record with top companies.

Annual Lakewood, New York Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,826 $2,826 $4,035 $3,512
GEICO $1,423 $1,550 $2,770 $1,423
Liberty Mutual $3,431 $3,431 $6,659 $3,431
Nationwide $2,088 $2,088 $4,585 $2,135
Progressive $2,297 $2,297 $2,533 $2,310
State Farm $3,278 $3,278 $3,599 $3,599
Travelers $2,787 $3,439 $3,487 $3,217
USAA $2,522 $2,562 $3,678 $2,562

Cheapest Lakewood, NY Car Insurance for Teen Drivers

Teen car insurance in Lakewood, NY 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 York

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,353 $6,797
GEICO $2,743 $3,978
Liberty Mutual $5,939 $9,636
Nationwide $3,618 $5,377
Progressive $4,761 $5,323
State Farm $6,337 $8,192
Travelers $5,310 $6,309
USAA $5,911 $7,036

Cheapest Lakewood, NY Car Insurance for Seniors

Take a look at Lakewood, NY 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 York

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,125 $2,149
GEICO $1,292 $1,273
Liberty Mutual $2,879 $2,879
Nationwide $1,963 $1,963
Progressive $1,162 $1,177
State Farm $1,884 $1,884
Travelers $2,127 $2,293
USAA $1,355 $1,359

Cheapest Lakewood, NY Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,035
GEICO $2,770
Liberty Mutual $6,659
Nationwide $4,585
Progressive $2,533
State Farm $3,599
Travelers $3,487
USAA $3,678

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Cheapest Lakewood, NY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Lakewood, NY 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 York

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,256 $3,343
GEICO $1,739 $1,844
Liberty Mutual $4,120 $4,357
Nationwide $2,724 $2,724
Progressive $2,359 $2,359
State Farm $3,318 $3,559
Travelers $3,232 $3,232
USAA $2,803 $2,860

The Best Cheap Car Insurance Companies in Lakewood, NY

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

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

Insurance Company Average Annual Rates
Allstate $3,300
GEICO $1,791
Liberty Mutual $4,238
Nationwide $2,724
Progressive $2,359
State Farm $3,439
Travelers $3,232
USAA $2,831

Category Winners: Cheapest Car Insurance in Lakewood, New York

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

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

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, NY 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, NY car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $3,142 $3,290 $3,466
GEICO $1,697 $1,786 $1,891
Liberty Mutual $4,063 $4,224 $4,427
Nationwide $2,574 $2,704 $2,893
Progressive $2,254 $2,350 $2,474
State Farm $3,249 $3,460 $3,607
Travelers $3,078 $3,204 $3,416
USAA $2,744 $2,817 $2,932

What affects car insurance rates in Lakewood, New York?

What factors can have an impact on Lakewood, NY 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 York.

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, NY is 15.7 minutes according to City-Data.

Compare Car Insurance Quotes in Lakewood, NY

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

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