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Get Cheap Car Insurance in Lake Hiawatha, NJ
We monitor insurance prices, helping the average driver in Lake Hiawatha save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Lake Hiawatha
The chart below shows the cheapest car insurance company in Lake Hiawatha 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.
| Lake Hiawatha Insurer | Monthly Cost |
|---|---|
| State Farm | $62 |
| Geico | $65 |
| Plymouth Rock Assurance | $79 |
| NJM | $94 |
Savings for Every Kind of Lake Hiawatha Driver
Based on our extensive insurance data, we know the average Lake Hiawatha 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 $491 per year by choosing the right vehicle insurance company. Some Lake Hiawatha residents are paying out over $1,872 extra every year for auto insurance in Lake Hiawatha. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lake Hiawatha, NJ Savings / Yr. |
|---|---|
$491 |
|
$910 |
|
$699 |
|
$603 |
|
$2,421 |
|
$472 |
|
$734 |
Lake Hiawatha Car Insurance vs. New Jersey
People living in Lake Hiawatha pay an average of 3.08% more than the typical driver in the state. The average driver in Lake Hiawatha can expect to pay about $1,116 per year, or $1,872 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Lake Hiawatha for most people.
Car Insurance Prices by Lake Hiawatha Neighborhood
Insurance Prices
Where is insurance cheapest within Lake Hiawatha?
The map shows insurance prices in and around Lake Hiawatha, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $231 per year within the city boundaries, with insurance premiums ranging from a high of $1,981 to a low of $1,750. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the East parts of Lake Hiawatha.Pick the Best Car Insurance Company for You in Lake Hiawatha
The best car insurance provider for most drivers in Lake Hiawatha
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $491 over the average Lake Hiawatha car insurance company.
The best car insurance provider for Lake Hiawatha 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 $910 over the competition.
The best car insurance company for Lake Hiawatha drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $699 better than other car insurance companies.
The best auto insurance for Lake Hiawatha drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $603 less each year.
The least expensive car insurance company for new and young drivers in Lake Hiawatha
In Lake Hiawatha, Geico costs young drivers $2,421 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lake Hiawatha
Geico gave the largest car insurance discounts to married couples, averaging $472 saved each year compared to an average Lake Hiawatha couple's premiums.
The cheapest car insurance in Lake Hiawatha for drivers with bad credit
The best Lake Hiawatha car insurance company for customer service
Nationwide was the best company for customer service in Lake Hiawatha according to the NAIC.
Recent price drops
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The cheapest large national provider in Lake Hiawatha
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lake Hiawatha 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 Lake Hiawatha, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Lake Hiawatha
What Influences the Cost of Car Insurance in Lake Hiawatha?
On average, car insurance in Lake Hiawatha 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 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 Lake Hiawatha 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.
- Lake Hiawatha is one of the least populated areas in the state. The city’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 Lake Hiawatha is $93 per month for minimum coverage and $156 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
- Montville: Insurance costs 2.83% less
- Parsippany: Insurance costs 5.29% more
- Pine Brook: Insurance costs 1.18% less
- Boonton: Insurance costs 4.97% less
- Mountain Lakes: Insurance costs 4.38% less
- Towaco: Insurance costs 4.65% less
- Fairfield: Insurance costs 5.72% less
- Whippany: Insurance costs 5.02% less
- East Hanover: Insurance costs 0.32% more
- Lincoln Park: Insurance costs 5.07% less
Cities with Similar Populations
- Pfafftown: Insurance costs 35.31% less
- Montpelier: Insurance costs 36.54% less
- Morro Bay: Insurance costs the same
- Moscow: Insurance costs 26.98% less
- Mount Olive: Insurance costs 31.62% less
- Mount Pleasant: Insurance costs 34.35% less
- Mount Sinai: Insurance costs 37.39% more
- Parsons: Insurance costs 17.84% less
- Paso Robles: Insurance costs 1.55% less
- Pearsall: Insurance costs 6.84% less