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Get Cheap Car Insurance in Highland Lake, NJ
We monitor insurance prices, helping the average driver in Highland Lake save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Highland Lake
The chart below shows the cheapest car insurance company in Highland Lake for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| Highland Lake Insurer | Monthly Cost |
|---|---|
| State Farm | $59 |
| Geico | $62 |
| Plymouth Rock Assurance | $76 |
| NJM | $90 |
Savings for Every Kind of Highland Lake Driver
Based on our extensive insurance data, we know the average Highland Lake driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $469 per year by choosing the right vehicle insurance company. Some Highland Lake residents are paying out over $1,789 extra every year for auto insurance in Highland Lake. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Highland Lake, NJ Savings / Yr. |
|---|---|
$469 |
|
$870 |
|
$668 |
|
$576 |
|
$2,314 |
|
$451 |
|
$702 |
Highland Lake Car Insurance vs. New Jersey
People living in Highland Lake pay an average of 1.47% less than the typical driver in the state. The average driver in Highland Lake can expect to pay about $1,067 per year, or $1,789 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Highland Lake for most people.
Car Insurance Prices by Highland Lake Neighborhood
Insurance Prices
Where is insurance cheapest within Highland Lake?
The map shows insurance prices in and around Highland Lake, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $204 per year within the city boundaries, with insurance premiums ranging from a high of $1,862 to a low of $1,658. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southeast parts of Highland Lake.Pick the Best Car Insurance Company for You in Highland Lake
The best car insurance provider for most drivers in Highland Lake
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $469 over the average Highland Lake car insurance company.
The best car insurance provider for Highland Lake drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $870 over the competition.
The best car insurance company for Highland Lake drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $668 better than other car insurance companies.
The best auto insurance for Highland Lake drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $576 less each year.
The least expensive car insurance company for new and young drivers in Highland Lake
In Highland Lake, Geico costs young drivers $2,314 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Highland Lake
Geico gave the largest car insurance discounts to married couples, averaging $451 saved each year compared to an average Highland Lake couple's premiums.
The cheapest car insurance in Highland Lake for drivers with bad credit
The best Highland Lake car insurance company for customer service
Nationwide was the best company for customer service in Highland Lake according to the NAIC.
Recent price drops
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The cheapest large national provider in Highland Lake
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Highland Lake driver can expect to pay about $112 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Highland Lake, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Highland Lake
What Influences the Cost of Car Insurance in Highland Lake?
On average, car insurance in Highland Lake is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Highland Lake are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Highland Lake has an average population density in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Highland Lake is $89 per month for minimum coverage and $149 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Highland Lakes: Insurance costs 2.35% less
- Vernon: Insurance costs 1.12% less
- Glenwood: Insurance costs 2.63% less
- Upper Greenwood Lake: Insurance costs 1.17% more
- Hewitt: Insurance costs 1.23% less
- Hamburg: Insurance costs 0.11% less
- Sussex: Insurance costs 1.62% less
- West Milford: Insurance costs 4.02% less
- Franklin: Insurance costs 3.75% less
- Stockholm: Insurance costs 2.63% less
Cities with Similar Populations
- Stanfield: Insurance costs 30.46% less
- Vandercook Lake: Insurance costs 51.09% more
- St. Augustine South: Insurance costs 32.20% more
- Sunman: Insurance costs 32.92% less
- St. Charles: Insurance costs 55.23% more
- Staples: Insurance costs 9.89% less
- Springvale: Insurance costs 46.17% less
- Kirkville: Insurance costs 16.55% more
- Oak Grove: Insurance costs 67.08% more
- Cherokee Village: Insurance costs 5.93% less