Best Cheap Auto Insurance in Mountain Lakes, NJ (2021)

The average Mountain Lakes, NJ auto insurance rates are $383 per month. The minimum auto insurance in Mountain Lakes is at least 15/30/5 in coverage to comply with New Jersey auto insurance laws. To find the best cheap auto insurance in Mountain Lakes, New Jersey, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The most expensive auto insurance company in Mountain Lakes for teen drivers is State Farm
  • Average auto insurance rates in Mountain Lakes, NJ for senior drivers are $2,847 per year
  • The minimum auto insurance required in Mountain Lakes, New Jersey is 15/30/5

Mountain Lakes, New Jersey auto insurance requirements are 15/30/5 according to New Jersey auto insurance laws. Finding cheap auto insurance in Mountain Lakes can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Mountain Lakes, New Jersey, including driving record, credit, commute time, and more.

Compare auto insurance in Mountain Lakes to other New Jersey cities, including Paterson auto insurance rates, Bayonne auto insurance rates, and Passaic auto insurance rates to see how Mountain Lakes, New Jersey auto insurance rates stack up.

Before you buy Mountain Lakes, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Mountain Lakes, New Jersey auto insurance quotes.

Minimum Auto Insurance in Mountain Lakes, New Jersey

Mountain Lakes, New Jersey auto insurance laws require that you have at least the New Jersey minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Mountain Lakes, New Jersey.

Minimum Required Auto Insurance Coverage in Mountain Lakes, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Mountain Lakes, New Jersey Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Mountain Lakes, New Jersey are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Mountain Lakes, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,076 $3,060 $2,972 $2,972 $9,739 $12,084 $3,598 $3,748
Farmers $3,860 $3,889 $3,744 $3,678 $11,331 $13,018 $4,593 $4,735
GEICO $2,072 $2,036 $2,023 $2,023 $3,780 $3,827 $2,380 $2,344
Liberty Mutual $3,592 $3,592 $3,939 $3,939 $9,217 $10,454 $3,939 $4,513
Progressive $1,616 $1,511 $1,467 $1,491 $7,269 $8,137 $1,912 $1,878
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $2,721 $2,669 $2,514 $2,557 $6,315 $7,201 $2,680 $2,684

Cheap Mountain Lakes, New Jersey Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Mountain Lakes, New Jersey is a challenge. Take a look at the annual teen auto insurance rates in Mountain Lakes, New Jersey.

Annual Auto Insurance Rates for Teen Drivers in Mountain Lakes, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,739 $12,084
Farmers $11,331 $13,018
GEICO $3,780 $3,827
Liberty Mutual $9,217 $10,454
Progressive $7,269 $8,137
State Farm $11,692 $15,026
Travelers $6,315 $7,201

Cheap Mountain Lakes, New Jersey Auto Insurance for Seniors

What are senior auto insurance rates in Mountain Lakes, New Jersey? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Mountain Lakes, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,972 $2,972
Farmers $3,744 $3,678
GEICO $2,023 $2,023
Liberty Mutual $3,939 $3,939
Progressive $1,467 $1,491
State Farm $3,272 $3,272
Travelers $2,514 $2,557

Cheap Mountain Lakes, New Jersey Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Mountain Lakes, New Jersey compared to the annual auto insurance rates with a clean record in Mountain Lakes, New Jersey.

Annual Mountain Lakes, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,867 $6,423 $5,630 $4,704
Farmers $4,719 $8,017 $6,529 $5,160
GEICO $1,996 $2,618 $3,632 $1,996
Liberty Mutual $5,187 $5,926 $5,293 $5,187
Progressive $2,755 $3,610 $3,102 $3,173
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $2,834 $4,168 $4,030 $3,640

Cheap Mountain Lakes, New Jersey Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Mountain Lakes, New Jersey is not easy. Compare the annual rates for DUI auto insurance in Mountain Lakes, New Jersey to find the best deal.

Annual Auto Insurance Rates After a DUI in Mountain Lakes, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,630
Farmers $6,529
GEICO $3,632
Liberty Mutual $5,293
Progressive $3,102
State Farm $9,781
Travelers $4,030

Cheap Mountain Lakes, New Jersey Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Mountain Lakes, New Jersey annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Mountain Lakes, New Jersey

Insurance Company Poor Fair Good
Allstate $7,134 $4,654 $3,680
Farmers $7,193 $5,721 $5,404
GEICO $3,849 $2,221 $1,613
Liberty Mutual $6,824 $5,076 $4,295
Progressive $3,508 $3,093 $2,879
State Farm $8,893 $5,377 $4,200
Travelers $4,865 $3,615 $2,523

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Cheap Mountain Lakes, New Jersey Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Mountain Lakes, New Jersey can vary. Compare the annual cost of auto insurance by ZIP code in Mountain Lakes, New Jersey to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Mountain Lakes, New Jersey

ZIP Code Average Annual Rates
7046 $4,357

Cheap Mountain Lakes, New Jersey Auto Insurance Rates By Commute

Commute length and annual mileage affect Mountain Lakes, New Jersey auto insurance. Find the cheapest annual Mountain Lakes, New Jersey auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Mountain Lakes, New Jersey

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,146 $5,166
Farmers $6,106 $6,106
GEICO $2,540 $2,582
Liberty Mutual $5,346 $5,450
Progressive $3,160 $3,160
State Farm $6,004 $6,309
Travelers $3,668 $3,668

Cheap Mountain Lakes, New Jersey Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Mountain Lakes, New Jersey? Check out the comparison of annual Mountain Lakes, New Jersey auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Mountain Lakes, New Jersey

Insurance Company Low Medium High
Allstate $4,780 $5,228 $5,460
Farmers $5,565 $6,103 $6,650
GEICO $2,299 $2,612 $2,772
Liberty Mutual $4,859 $5,556 $5,779
Progressive $2,882 $3,214 $3,385
State Farm $5,773 $6,228 $6,469
Travelers $3,382 $3,674 $3,948

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Best By Category: Cheapest Auto Insurance in Mountain Lakes, New Jersey

Compare the cheapest auto insurance companies in Mountain Lakes, New Jersey in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Mountain Lakes, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

The Cheapest Mountain Lakes, New Jersey Auto Insurance Companies

What auto insurance companies in Mountain Lakes, New Jersey are the cheapest? Compare the top Mountain Lakes, New Jersey auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Mountain Lakes, New Jersey

Insurance Company Average Annual Rates
Allstate $5,156
Farmers $6,106
GEICO $2,561
Liberty Mutual $5,398
Progressive $3,160
State Farm $6,157
Travelers $3,668

What affects auto insurance rates in Mountain Lakes, New Jersey?

There are a lot of reasons why auto insurance rates in Mountain Lakes, New Jersey are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Mountain Lakes, New Jersey. Many local factors may affect your Mountain Lakes auto insurance rates.

Mountain Lakes Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Mountain Lakes, New Jersey commute length is 37.1 minutes according to City-Data.

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Compare Mountain Lakes, New Jersey Auto Insurance Quotes

Before you buy Mountain Lakes, New Jersey auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Mountain Lakes, New Jersey auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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