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Get Cheap Car Insurance in Kingsland, Lyndhurst, NJ

We monitor insurance prices, helping the average driver in Kingsland save up to 37.9% on car insurance.

 

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The Cheapest Minimum Coverage in Kingsland

The chart below shows the cheapest car insurance company in Kingsland 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.

 
Kingsland Insurer Monthly Cost
State Farm $70
Geico $73
Plymouth Rock Assurance $90
NJM $106

Savings for Every Kind of Kingsland Driver

The table shows how much the average auto insurance customer in Kingsland might save by following our recommendations.

Based on our extensive insurance data, we know the average Kingsland 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 $554 per year by choosing the right vehicle insurance company. Some Kingsland residents are paying out over $2,112 extra every year for auto insurance in Kingsland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Kingsland, Lyndhurst, NJ Savings / Yr.
Drivers with good records
$554
Drivers with accidents
$1,027
Drivers with speeding tickets
$789
Drivers with a DUI conviction
$680
Young drivers
$2,732
Married drivers
$533
Drivers with bad credit
$828

Kingsland Car Insurance vs. Lyndhurst

People living in Kingsland pay an average of 16.31% more than the typical driver in the state. The average driver in Kingsland can expect to pay about $1,260 per year, or $2,112 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Kingsland for most people.

Car Insurance Prices by Kingsland Neighborhood

Kingsland, Lyndhurst, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Kingsland?

The map shows insurance prices in and around Kingsland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $268 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,182 to a low of $1,914. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Kingsland.

Pick the Best Car Insurance Company for You in Kingsland

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Kingsland insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Kingsland

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $554 over the average Kingsland car insurance company.

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We use the average good driver, paying $130 per month, as our baseline for pricing in Kingsland. Geico, NJM, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Kingsland drivers with accidents on their records

In Kingsland getting into an accident will raise premiums an average 35% for a yearly cost of $3,266. That's $1,154 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, NJM, and Plymouth Rock Assurance are good choices for drivers with accidents.

In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $1,027 over the competition.

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The best car insurance company for Kingsland drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $789 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Kingsland, tickets raise premiums on new quotes about $449. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,561 per year.

The best auto insurance for Kingsland drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,887 per year in auto insurance premiums, which was $775 more than a driver with no major issues. Geico, Progressive, and NJM penalized their customers the least for a DUI.

Getting a quote from NJM may cost the average person with a DUI about $680 less each year.

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The least expensive car insurance company for new and young drivers in Kingsland

In Kingsland, Geico costs young drivers $2,732 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Kingsland. With an average cost of $7,203 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and NJM try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Kingsland

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $80. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in Kingsland.

Geico gave the largest car insurance discounts to married couples, averaging $533 saved each year compared to an average Kingsland couple's premiums.

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The cheapest car insurance in Kingsland for drivers with bad credit

People with poor credit saved an average of $828 with NJM.

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Many people are surprised that their poor credit score can cost them an average of $1,257 every year. Premiums for people with poor credit were about $3,369 in Kingsland. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and NJM.

The best Kingsland car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Kingsland, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks NJM as the best provider in Kingsland.

Nationwide was the best company for customer service in Kingsland according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Kingsland, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Kingsland. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Kingsland

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 43% of Kingsland residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Kingsland driver can expect to pay about $112 per month.

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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 Kingsland, USAA has the best prices for none of the categories above.
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Auto Insurance Prices in and Around Kingsland

What Influences the Cost of Car Insurance in Kingsland?

On average, car insurance in Kingsland is more expensive than the rest of the state. These high 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 neighborhood are influenced by the following factors:

  • The average commute time in Kingsland is 40 minutes, which is about the national average for a driver in the city.
  • New Jersey state insurance regulations may require higher prices.
  • An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Kingsland are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Kingsland is one of the least populated areas in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Kingsland is $105 per month for minimum coverage and $176 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Kingsland driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Kingsland with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.