Cheapest Car Insurance Quotes in Victory Lakes

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Victory Lakes Car Insurance

^$ 64

/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 Victory Lakes

The car insurance rate in Victory Lakes is $1212 for a six-month policy, which is $90 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $834, making it a popular choice for budget-conscious drivers. Rates in Victory 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 Victory Lakes

$1212

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Victory Lakes

1st place: New Jersey Manufacturers

At $834 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 $995 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 $1008 for six months, making it the third cheapest auto insurance company in Victory Lakes.

Victory Lakes Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Victory Lakes, NJ is New Jersey Manufacturers, offering policies at just $834 for a six-month term. This is followed by NJM, which has an average six-month premium of $995.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1097 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Victory Lakes drivers find the best deals.

Cheap Car Insurance Companies in Victory Lakes, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$834	$141
NJM	$995	$167
New Jersey Skylands Insurance	$1008	$172
Progressive	$1020	$172
Plymouth Rock	$1084	$183
Allstate	$1226	$206
Travelers	$1264	$213
State Farm	$1347	$227
Amica Mutual	$1412	$240
Selective	$1469	$245
Farmers	$1790	$305
National General	$1097	$187

Key Takeaways

Way's key takeaways about car insurance in Victory Lakes

The auto insurance costs in Victory Lakes fall around $834 for six months.
The cheapest auto insurance company in Victory Lakes is New Jersey Manufacturers.
Teen drivers pay the highest rate in Victory Lakes at $1139 per month.

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

Cheapest Minimum Liability Car Insurance in Victory 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 Victory Lakes are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Victory Lakes. Their Average 6 Month Premium is $384. National General is the most expensive at $404 for the same period.

Cheapest Liability Coverage in Victory Lakes, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$384	$64
Plymouth Rock	$482	$81
Progressive	$482	$81
NJM	$519	$87
New Jersey Skylands Insurance	$565	$94
State Farm	$571	$96
Amica Mutual	$578	$96
Travelers	$578	$97
Amica	$661	$110
Selective	$699	$119
Allstate	$718	$121
Farmers	$1161	$198
National General	$404	$69

Cheapest Full Coverage Car Insurance in Victory 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 Victory Lakes is New Jersey Manufacturers at $141 per month and $834 for six months.

Cheapest Full Coverage Car Insurance Quotes in Victory Lakes, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$834	$141
NJM	$995	$167
New Jersey Skylands Insurance	$1008	$172
Progressive	$1020	$172
Plymouth Rock	$1084	$183
Allstate	$1226	$206
Travelers	$1264	$213
State Farm	$1347	$227
Amica Mutual	$1412	$240
Selective	$1469	$245
Farmers	$1790	$305
National General	$1097	$187

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Average Car Insurance in Victory 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 Victory Lakes, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Victory 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, Victory 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 Victory 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	$828
30s	NJM	$644
40s	NJM	$596
50s	NJM	$550
60s	NJM	$507

Cheapest Car Insurance Rates for Teen Drivers in Victory 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 Victory Lakes at $98 per month. At $6704 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	$578	$98
Selective	$725	$121
NJM	$1104	$186
New Jersey Manufacturers	$1912	$319
Travelers	$2675	$450
Plymouth Rock	$2867	$483
Allstate	$2874	$484
Progressive	$3131	$527
Amica Mutual	$3380	$575
State Farm	$3708	$624
Farmers	$6704	$1139

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 Victory Lakes.

As young drivers face the highest rates in Victory Lakes, NJM offers the cheapest auto insurance rates at $828 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 Victory Lakes, Amica Mutual is the cheapest car insurance provider. At $705 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 Victory Lakes is Farmers, offering rates of around $6056 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$705	$120
New Jersey Skylands Insurance	$886	$148
Foremost	$988	$168
NJM	$1193	$201
Progressive	$1206	$203
Plymouth Rock	$1565	$264
Allstate	$2675	$455
Travelers	$3849	$642
State Farm	$5857	$996
Farmers	$6056	$1010

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Victory 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 Victory Lakes, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Victory Lakes include New Jersey Skylands Insurance and NJM, offering $680 and $699, respectively. National General is an expensive provider with an average six-month premium of $469.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$680	$113
NJM	$699	$118
New Jersey Manufacturers	$879	$147
Plymouth Rock	$886	$149
Selective	$1020	$170
Amica Mutual	$1091	$184
Progressive	$1360	$229
State Farm	$2079	$350
Travelers	$2193	$369
Allstate	$3060	$515
Farmers	$5523	$920
National General	$469	$78

Victory Lakes Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Victory Lakes NJ. For example, the car insurance in Victory Lakes after a DUI increases to $1360 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Victory Lakes auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1251	$208
One Med/PIP claim	$1257	$214
Not-at-fault accident	$1315	$219
One comp claim	$1328	$226
Two Med/PIP claims	$1335	$222
Speeding 6 - 10 MPH over limit	$1437	$244
Speeding 11 - 15 MPH over limit	$1444	$241
Two comp claims	$1444	$245
Failure to show documents	$1462	$244
At-fault accident - less than $1000	$1482	$252
Failure to wear a seat belt	$1501	$251
Driving too slowly	$1508	$256
Driving without lights	$1514	$253
Child safety restraint	$1540	$261
Driving with expired registration	$1540	$257
Wrong way/wrong lane	$1565	$266
Failure to yield	$1571	$262
Failure to stop at a red light	$1578	$268
Illegal turn	$1604	$268
Cell phone violation	$1623	$276
Texting while driving	$1623	$270
Speeding in school zone	$1649	$281
Operating a vehicle without permission	$1656	$275
Speeding 16 - 20 MPH over limit	$1656	$282
Improper passing	$1693	$282
Following too closely	$1700	$289
Passing school bus	$1770	$295
In 65 MPH zone	$1783	$303
Speeding 21 - 25 MPH over limit	$1841	$307
At-fault accident - $1000-$2000	$1892	$322
At-fault accident - greater than $2000	$1905	$318
Open container	$2130	$362
Reckless driving	$2496	$416
Leaving scene of an accident/hit and run	$2592	$441
DUI	$2611	$435
Refusal to submit to a chemical test	$2611	$444
Racing	$2618	$436
Driving with a suspended license	$2721	$462

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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 Victory 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 Victory Lakes.

The cheapest car insurance premiums in Victory Lakes are offered by Plymouth Rock at $764 for a six-month policy. However, it can be as expensive as $5575 with companies like Amica Mutual.

Victory Lakes car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$764	$129
NJM	$840	$141
Foremost	$866	$147
Progressive	$975	$164
Mercury	$1001	$171
New Jersey Manufacturers	$1078	$179
Selective	$1142	$194
Allstate	$1630	$274
Travelers	$1700	$286
State Farm	$4959	$835
Farmers	$5492	$934
Amica Mutual	$5575	$929

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 Victory Lakes are offered by Plymouth Rock at $699. However, it can be as expensive as $2527 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Victory Lakes after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$699	$118
NJM	$886	$149
Progressive	$1001	$168
State Farm	$1418	$241
Allstate	$2143	$357
Travelers	$2252	$383
Farmers	$2527	$421

Car Insurance Price Trends in Victory Lakes, New Jersey

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

The average cost of full coverage in the Victory Lakes rose by $266 in December compared to $262 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Victory Lakes rose to $93 in December, compared to $90 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 Victory Lakes?

The car insurance in Victory Lakes is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Victory Lakes?

The cheapest car insurance in Victory Lakes is $141 per month for full coverage.

How much is car insurance in Victory Lakes for teenagers?

Car insurance for teenagers costs $578 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 Victory Lakes?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $204 per month to insure your car in Victory Lakes.

Is car insurance expensive in Victory Lakes?

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

Cheapest Car Insurance Quotes in Victory Lakes

Why you can trust Way?

How Much Is Car Insurance in Victory Lakes

Avg. Car Insurance in Victory Lakes

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Victory Lakes

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Victory Lakes Car Insurance Rates by Company

Cheap Car Insurance Companies in Victory Lakes, NJ

Way's key takeaways about car insurance in Victory Lakes

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Victory Lakes

Cheapest Liability Coverage in Victory Lakes, NJ

Cheapest Full Coverage Car Insurance in Victory Lakes

Cheapest Full Coverage Car Insurance Quotes in Victory Lakes, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Victory Lakes by Rating Factor

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

Car Insurance Premiums by Age in Victory Lakes

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Victory Lakes Car Insurance Rates by Violation

Victory Lakes auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Victory Lakes after a DUI

Victory Lakes car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Victory Lakes after Speeding ticket

Car Insurance Price Trends in Victory Lakes, New Jersey

Average Car Insurance Cost in Victory Lakes by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Victory Lakes, NJ

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

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