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Cheap Auto Insurance Quotes in Lakewood, NJ (January 2022)

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Last Updated: January 2022
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Car Insurance in Lakewood, NJ

The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Lakewood, NJ to find you the cheapest quotes in the area.
$206
$220
$351
TravelersAllstateState Farm

Cheapest Car Insurance in Lakewood, NJ

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

$295
$317
$303
$304
$294
$259
New JerseyNewarkJersey CityPatersonElizabethLakewood
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Lakewood, NJ Driving Facts

new-jersey

Minimum Car Insurance Requirements in NJ

New Jersey requires all drivers to purchase either a basic or standard insurance policy. The basic policy liability limit is as follows:

  • $5,000 of property damage liability per accident

The standard policy liability limits are as follows:

  • $15,000 of bodily injury liability insurance per person, per accident
  • $30,000 of bodily injury liability for multiple injured people per accident
  • $5,000 of property damage liability per accident

Find local Lakewood agents

E & K Agency - Lakewood 
1195 NJ-70 #3, Lakewood, NJ 08701
Ideal Insurance Agency 
326 3rd Street, Lakewood, NJ 08701-6300
PRIME Insurance Agency
960 E County Line Rd, Lakewood, NJ 08701
Mitchell Hnatt: Allstate Insurance
1900 NJ-70, Lakewood, NJ 08701
Sterling Property and Casualty
902 E County Line Rd, Lakewood, NJ 08701,
Ben Goldfischer: Allstate Insurance
300 Main St, Lakewood, NJ 08701
AGA Insurance
1200 River Ave, Lakewood, NJ 08701
Mitchell Hnatt: Allstate Insurance
1900 NJ-70, Lakewood, NJ 08701
Robert Sickel: Allstate Insurance
1088 NJ-88 Ste A, Lakewood, NJ 08701
Sure Co Agency Inc
300 Boulevard of the Americas, Lakewood, NJ 08701

Insurify Insights: How Lakewood Drivers Measure Up

toyota
Toyota Camry
Most Popular Car in
Lakewood, NJ
suspended licenses
#48
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Lakewood drivers measure up to their fellow New Jersey motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Lakewood

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Lakewood drivers rank 10 in the number of car accidents per driver across all cities in New Jersey.

  • Rank within state: #10
  • Percent of drivers in Lakewood with an accident: 9.26%
  • Drivers in Lakewood, NJ with an accident in their driving history paid on average 10.96% more than drivers with a clean record

Speeding in Lakewood

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Lakewood drivers rank 17 in the number of speeding infractions per driver.

  • Rank within state: #17
  • Percent of drivers in Lakewood with a speeding ticket: 4.44%
  • Drivers in Lakewood, NJ with a speeding ticket in their driving history paid on average --% more than drivers with a clean record

DUI/DWIs in Lakewood

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Lakewood drivers rank 31 in the number of DUI’s per driver across all cities in New Jersey.

  • Rank within state: #31
  • Percent of drivers in Lakewood with a DUI: 0.37%
  • Drivers in Lakewood, NJ with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle in Lakewood

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Lakewood is the Toyota Camry.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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