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Get Cheap Car Insurance in Lakewood, NY
We monitor insurance prices, helping the average driver in Lakewood save up to 32.6% on car insurance.
The Cheapest Minimum Coverage in Lakewood
The chart below shows the cheapest car insurance company in Lakewood 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 Kemper, followed by Plymouth Rock Assurance, Safeco Insurance, and Geico.
| Lakewood Insurer | Monthly Cost |
|---|---|
| Kemper | $80 |
| Plymouth Rock Assurance | $106 |
| Safeco Insurance | $114 |
| Geico | $119 |
Savings for Every Kind of Lakewood Driver
Based on our extensive insurance data, we know the average Lakewood driver will save about 30% 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 $648 per year by choosing the right vehicle insurance company. Some Lakewood residents are paying out over $2,173 extra every year for auto insurance in Lakewood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Lakewood, NY Savings / Yr. |
|---|---|
$648 |
|
$413 |
|
$825 |
|
$835 |
|
$2,046 |
|
$685 |
|
$1,091 |
Lakewood Car Insurance vs. New York
People living in Lakewood pay an average of 10.38% less than the typical driver in the state. The average driver in Lakewood can expect to pay about $1,576 per year, or $2,173 for full coverage.
Based on our analysis, Kemper will be the cheapest provider in Lakewood for most people.
Car Insurance Prices by Lakewood Neighborhood
Insurance Prices
Where is insurance cheapest within Lakewood?
The map shows insurance prices in and around Lakewood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $409 per year within the city boundaries, with insurance premiums ranging from a high of $2,511 to a low of $2,102. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the South parts of Lakewood.Pick the Best Car Insurance Company for You in Lakewood
The best car insurance provider for most drivers in Lakewood
For drivers with clean driving records and no major strikes, Kemper is the best option, with annual savings of $648 over the average Lakewood car insurance company.
The best car insurance provider for Lakewood drivers with accidents on their records
In our analysis, Kemper saved the average person who had been in an accident the most, with annual savings averaging $413 over the competition.
The best car insurance company for Lakewood drivers with speeding tickets
>Kemper gave the average person with a speeding ticket the most savings, averaging $825 better than other car insurance companies.
The best auto insurance for Lakewood drivers with a DUI conviction
Getting a quote from Progressive may cost the average person with a DUI about $835 less each year.
The least expensive car insurance company for new and young drivers in Lakewood
In Lakewood, Progressive costs young drivers $2,046 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Lakewood
Progressive gave the largest car insurance discounts to married couples, averaging $685 saved each year compared to an average Lakewood couple's premiums.
The cheapest car insurance in Lakewood for drivers with bad credit
The best Lakewood car insurance company for customer service
Recent price drops
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The cheapest large national provider in Lakewood
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Lakewood driver can expect to pay about $183 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 Lakewood, USAA has the best prices for drivers with bad credit, drivers with speeding tickets, drivers with a DUI conviction, drivers with accidents, good drivers, married couples, and young drivers.Auto Insurance Prices in and Around Lakewood
What Influences the Cost of Car Insurance in Lakewood?
On average, car insurance in Lakewood 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:
- The average commute time in Lakewood is 21 minutes, which is far less than average for a driver in the state.
- New York state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Lakewood are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Lakewood has an average population density 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 Lakewood is $131 per month for minimum coverage and $181 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
- Celoron: Insurance costs 2.35% more
- Greenhurst: Insurance costs 2.67% less
- Ashville: Insurance costs 0.83% less
- Jamestown: Insurance costs 3.13% more
- Bemus Point: Insurance costs 2.44% less
- Ellery Center: Insurance costs 3.87% less
- Stow: Insurance costs 4.60% less
- Watts Flats: Insurance costs 0.87% more
- Ross Mill: Insurance costs 1.89% less
- Kimball Stand: Insurance costs 3.08% less
Cities with Similar Populations
- Falmouth: Insurance costs 0.55% less
- Fair Grove: Insurance costs 19.19% less
- Fair Haven: Insurance costs 39.25% more
- Fairbury: Insurance costs 37.14% less
- Fairfield: Insurance costs 55.50% less
- Fairfield: Insurance costs 40.68% less
- Fairfield: Insurance costs 25.82% less
- Shannon: Insurance costs 36.31% less
- Fairview: Insurance costs 17.86% less
- Fairway: Insurance costs 29.04% less