Cheapest Car Insurance Quotes in Mountain Lakes

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Mountain Lakes Car Insurance

^$ 51

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Mountain Lakes

The car insurance rate in Mountain Lakes is $976 for a six-month policy, which is $146 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $672, making it a popular choice for budget-conscious drivers. Rates in Mountain Lakes can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Mountain Lakes

$976

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Mountain Lakes

1st place: New Jersey Manufacturers

At $672 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $801 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $812 for six months, making it the third cheapest auto insurance company in Mountain Lakes.

Mountain Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Mountain Lakes, NJ is New Jersey Manufacturers, offering policies at just $672 for a six-month term. This is followed by NJM, which has an average six-month premium of $801.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $884 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Mountain Lakes drivers find the best deals.

Cheap Car Insurance Companies in Mountain Lakes, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$672	$114
NJM	$801	$135
New Jersey Skylands Insurance	$812	$138
Progressive	$821	$138
Plymouth Rock	$873	$147
Allstate	$987	$166
Travelers	$1018	$171
State Farm	$1085	$183
Amica Mutual	$1137	$193
Selective	$1183	$197
Farmers	$1442	$245
National General	$884	$151

Key Takeaways

Way's key takeaways about car insurance in Mountain Lakes

The auto insurance costs in Mountain Lakes fall around $672 for six months.
The cheapest auto insurance company in Mountain Lakes is New Jersey Manufacturers.
Teen drivers pay the highest rate in Mountain Lakes at $918 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Mountain Lakes

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Mountain Lakes are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Mountain Lakes. Their Average 6 Month Premium is $310. National General is the most expensive at $325 for the same period.

Cheapest Liability Coverage in Mountain Lakes, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$310	$51
Plymouth Rock	$388	$65
Progressive	$388	$65
NJM	$418	$70
New Jersey Skylands Insurance	$455	$76
State Farm	$460	$77
Amica Mutual	$465	$77
Travelers	$465	$78
Amica	$532	$89
Selective	$563	$96
Allstate	$579	$97
Farmers	$935	$159
National General	$325	$56

Cheapest Full Coverage Car Insurance in Mountain Lakes

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Mountain Lakes is New Jersey Manufacturers at $114 per month and $672 for six months.

Cheapest Full Coverage Car Insurance Quotes in Mountain Lakes, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$672	$114
NJM	$801	$135
New Jersey Skylands Insurance	$812	$138
Progressive	$821	$138
Plymouth Rock	$873	$147
Allstate	$987	$166
Travelers	$1018	$171
State Farm	$1085	$183
Amica Mutual	$1137	$193
Selective	$1183	$197
Farmers	$1442	$245
National General	$884	$151

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Average Car Insurance in Mountain Lakes by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Mountain Lakes, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Mountain Lakes, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Mountain Lakes's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Mountain Lakes

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$667
30s	NJM	$519
40s	NJM	$480
50s	NJM	$443
60s	NJM	$408

Cheapest Car Insurance Rates for Teen Drivers in Mountain Lakes,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Mountain Lakes at $79 per month. At $5400 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$465	$79
Selective	$584	$97
NJM	$889	$150
New Jersey Manufacturers	$1540	$257
Travelers	$2155	$363
Plymouth Rock	$2310	$389
Allstate	$2315	$390
Progressive	$2522	$425
Amica Mutual	$2723	$463
State Farm	$2987	$503
Farmers	$5400	$918

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Mountain Lakes.

As young drivers face the highest rates in Mountain Lakes, NJM offers the cheapest auto insurance rates at $667 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Mountain Lakes, Amica Mutual is the cheapest car insurance provider. At $568 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Mountain Lakes is Farmers, offering rates of around $4878 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$568	$97
New Jersey Skylands Insurance	$713	$119
Foremost	$796	$136
NJM	$961	$162
Progressive	$972	$164
Plymouth Rock	$1261	$212
Allstate	$2155	$366
Travelers	$3101	$517
State Farm	$4718	$802
Farmers	$4878	$813

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Mountain Lakes.

Car Insurance Rates with An Accident in Mountain Lakes

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Mountain Lakes, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Mountain Lakes

The cheapest car insurance companies after an at-fault accident in Mountain Lakes include New Jersey Skylands Insurance and NJM, offering $548 and $563, respectively. National General is an expensive provider with an average six-month premium of $378.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$548	$91
NJM	$563	$95
New Jersey Manufacturers	$708	$118
Plymouth Rock	$713	$120
Selective	$821	$137
Amica Mutual	$879	$148
Progressive	$1095	$184
State Farm	$1675	$282
Travelers	$1767	$298
Allstate	$2465	$415
Farmers	$4449	$741
National General	$378	$63

Mountain Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Mountain Lakes NJ. For example, the car insurance in Mountain Lakes after a DUI increases to $1097 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

Mountain Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1007	$168
One Med/PIP claim	$1013	$172
Not-at-fault accident	$1060	$177
One comp claim	$1070	$182
Two Med/PIP claims	$1075	$179
Speeding 6 - 10 MPH over limit	$1158	$197
Speeding 11 - 15 MPH over limit	$1163	$194
Two comp claims	$1163	$197
Failure to show documents	$1178	$197
At-fault accident - less than $1000	$1194	$203
Failure to wear a seat belt	$1209	$202
Driving too slowly	$1215	$206
Driving without lights	$1220	$204
Child safety restraint	$1241	$211
Driving with expired registration	$1241	$207
Wrong way/wrong lane	$1261	$214
Failure to yield	$1266	$211
Failure to stop at a red light	$1271	$216
Illegal turn	$1292	$216
Cell phone violation	$1308	$223
Texting while driving	$1308	$218
Speeding in school zone	$1328	$226
Operating a vehicle without permission	$1334	$222
Speeding 16 - 20 MPH over limit	$1334	$227
Improper passing	$1364	$227
Following too closely	$1369	$233
Passing school bus	$1426	$238
In 65 MPH zone	$1436	$244
Speeding 21 - 25 MPH over limit	$1483	$247
At-fault accident - $1000-$2000	$1524	$259
At-fault accident - greater than $2000	$1535	$256
Open container	$1716	$291
Reckless driving	$2011	$335
Leaving scene of an accident/hit and run	$2088	$355
DUI	$2104	$351
Refusal to submit to a chemical test	$2104	$358
Racing	$2109	$351
Driving with a suspended license	$2192	$372

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Mountain Lakes after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Mountain Lakes.

The cheapest car insurance premiums in Mountain Lakes are offered by Plymouth Rock at $615 for a six-month policy. However, it can be as expensive as $4491 with companies like Amica Mutual.

Mountain Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$615	$104
NJM	$677	$114
Foremost	$698	$118
Progressive	$786	$132
Mercury	$806	$137
New Jersey Manufacturers	$868	$144
Selective	$920	$157
Allstate	$1313	$221
Travelers	$1369	$231
State Farm	$3995	$673
Farmers	$4424	$753
Amica Mutual	$4491	$748

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Mountain Lakes are offered by Plymouth Rock at $563. However, it can be as expensive as $2036 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Mountain Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$563	$95
NJM	$713	$120
Progressive	$806	$136
State Farm	$1142	$194
Allstate	$1726	$288
Travelers	$1814	$309
Farmers	$2036	$339

Car Insurance Price Trends in Mountain Lakes, New Jersey

Car insurance rates in Mountain Lakes have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Mountain Lakes rose by $214 in December compared to $211 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Mountain Lakes rose to $75 in December, compared to $72 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Mountain Lakes?

The car insurance in Mountain Lakes is $51 per month, which is lower than the national average.

What is the cheapest car insurance in Mountain Lakes?

The cheapest car insurance in Mountain Lakes is $114 per month for full coverage.

How much is car insurance in Mountain Lakes for teenagers?

Car insurance for teenagers costs $465 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Mountain Lakes?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $164 per month to insure your car in Mountain Lakes.

Is car insurance expensive in Mountain Lakes?

Car insurance can be expensive in Mountain Lakes if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Mountain Lakes can be affordable.

Cheapest Car Insurance Quotes in Mountain Lakes

Why you can trust Way?

How Much Is Car Insurance in Mountain Lakes

Avg. Car Insurance in Mountain Lakes

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Mountain Lakes

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Mountain Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Mountain Lakes, NJ

Way's key takeaways about car insurance in Mountain Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Mountain Lakes

Cheapest Liability Coverage in Mountain Lakes, NJ

Cheapest Full Coverage Car Insurance in Mountain Lakes

Cheapest Full Coverage Car Insurance Quotes in Mountain Lakes, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Mountain Lakes by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Mountain Lakes, NJ increasing?

Car Insurance Premiums by Age in Mountain Lakes

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Mountain Lakes,NJ

If you are in your twenties NJM is the best choice for car insurance in Mountain Lakes.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Mountain Lakes

Cheapest Car Insurance Companies after an At-Fault Accident in Mountain Lakes

Mountain Lakes Car Insurance Rates by Violation

Mountain Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Mountain Lakes after a DUI

Mountain Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Mountain Lakes after Speeding ticket

Car Insurance Price Trends in Mountain Lakes, New Jersey

Average Car Insurance Cost in Mountain Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Mountain Lakes, NJ

Car Insurance Rates by State in the USA (2025 Update)

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