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Get Cheap Car Insurance in Highland Lakes, NJ
We monitor insurance prices, helping the average driver in Highland Lakes save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Highland Lakes
The chart below shows the cheapest car insurance company in Highland Lakes 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 Lakes Insurer | Monthly Cost |
|---|---|
| State Farm | $58 |
| Geico | $60 |
| Plymouth Rock Assurance | $74 |
| NJM | $88 |
Savings for Every Kind of Highland Lakes Driver
Based on our extensive insurance data, we know the average Highland Lakes 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 $458 per year by choosing the right vehicle insurance company. Some Highland Lakes residents are paying out over $1,747 extra every year for auto insurance in Highland Lakes. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Highland Lakes, NJ Savings / Yr. |
|---|---|
$458 |
|
$849 |
|
$652 |
|
$563 |
|
$2,260 |
|
$441 |
|
$685 |
Highland Lakes Car Insurance vs. New Jersey
People living in Highland Lakes pay an average of 3.80% less than the typical driver in the state. The average driver in Highland Lakes can expect to pay about $1,042 per year, or $1,747 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Highland Lakes for most people.
Car Insurance Prices by Highland Lakes Neighborhood
Insurance Prices
Where is insurance cheapest within Highland Lakes?
The map shows insurance prices in and around Highland Lakes, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $178 per year within the city boundaries, with insurance premiums ranging from a high of $1,836 to a low of $1,658. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Central parts of Highland Lakes.Pick the Best Car Insurance Company for You in Highland Lakes
The best car insurance provider for most drivers in Highland Lakes
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $458 over the average Highland Lakes car insurance company.
The best car insurance provider for Highland Lakes 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 $849 over the competition.
The best car insurance company for Highland Lakes drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $652 better than other car insurance companies.
The best auto insurance for Highland Lakes drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $563 less each year.
The least expensive car insurance company for new and young drivers in Highland Lakes
In Highland Lakes, Geico costs young drivers $2,260 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Highland Lakes
Geico gave the largest car insurance discounts to married couples, averaging $441 saved each year compared to an average Highland Lakes couple's premiums.
The cheapest car insurance in Highland Lakes for drivers with bad credit
The best Highland Lakes car insurance company for customer service
Nationwide was the best company for customer service in Highland Lakes according to the NAIC.
Recent price drops
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The cheapest large national provider in Highland Lakes
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Highland Lakes 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 Lakes, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Highland Lakes
What Influences the Cost of Car Insurance in Highland Lakes?
On average, car insurance in Highland Lakes 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 Lakes are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Highland Lakes is one of the most densely populated areas 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 Lakes is $87 per month for minimum coverage and $146 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 Lake: Insurance costs 2.40% more
- Upper Greenwood Lake: Insurance costs 3.61% more
- Vernon: Insurance costs 1.26% more
- Glenwood: Insurance costs 0.29% less
- Hewitt: Insurance costs 1.14% more
- West Milford: Insurance costs 1.72% less
- Hamburg: Insurance costs 2.29% more
- Sussex: Insurance costs 0.74% more
- Warwick: Insurance costs 34.69% more
- Sterling Forest: Insurance costs 35.83% more
Cities with Similar Populations
- Woodlawn: Insurance costs 32.68% less
- Warwick: Insurance costs 2.92% less
- Fishertown: Insurance costs 21.98% less
- Fairfield: Insurance costs 63.02% more
- Essex: Insurance costs 1.43% more
- Escalante: Insurance costs 23.70% less
- Escabosa: Insurance costs 12.02% less
- Equinunk: Insurance costs 19.98% less
- Embarrass: Insurance costs 35.95% less
- Winfield: Insurance costs 35.20% more