Cheapest Car Insurance Quotes in White Meadow Lake

Finding the cheapest car insurance quotes in White Meadow Lake shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

White Meadow Lake Car Insurance

^$ 53

/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 White Meadow Lake

The car insurance rate in White Meadow Lake is $999 for a six-month policy, which is $123 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $687, making it a popular choice for budget-conscious drivers. Rates in White Meadow Lake 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 White Meadow Lake

$999

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in White Meadow Lake

1st place: New Jersey Manufacturers

At $687 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 $820 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 $830 for six months, making it the third cheapest auto insurance company in White Meadow Lake.

White Meadow Lake Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in White Meadow Lake, NJ is New Jersey Manufacturers, offering policies at just $687 for a six-month term. This is followed by NJM, which has an average six-month premium of $820.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $904 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help White Meadow Lake drivers find the best deals.

Cheap Car Insurance Companies in White Meadow Lake, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$687	$117
NJM	$820	$138
New Jersey Skylands Insurance	$830	$142
Progressive	$840	$142
Plymouth Rock	$894	$150
Allstate	$1010	$170
Travelers	$1041	$175
State Farm	$1110	$187
Amica Mutual	$1163	$198
Selective	$1210	$202
Farmers	$1475	$251
National General	$904	$154

Key Takeaways

Way's key takeaways about car insurance in White Meadow Lake

The auto insurance costs in White Meadow Lake fall around $687 for six months.
The cheapest auto insurance company in White Meadow Lake is New Jersey Manufacturers.
Teen drivers pay the highest rate in White Meadow Lake at $939 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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

Cheapest Minimum Liability Car Insurance in White Meadow Lake

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 White Meadow Lake are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in White Meadow Lake. Their Average 6 Month Premium is $317. National General is the most expensive at $333 for the same period.

Cheapest Liability Coverage in White Meadow Lake, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$317	$53
Plymouth Rock	$397	$67
Progressive	$397	$67
NJM	$428	$72
New Jersey Skylands Insurance	$465	$77
State Farm	$471	$79
Amica Mutual	$476	$79
Travelers	$476	$80
Amica	$545	$91
Selective	$576	$98
Allstate	$592	$100
Farmers	$957	$163
National General	$333	$57

Cheapest Full Coverage Car Insurance in White Meadow Lake

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 White Meadow Lake is New Jersey Manufacturers at $117 per month and $687 for six months.

Cheapest Full Coverage Car Insurance Quotes in White Meadow Lake, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$687	$117
NJM	$820	$138
New Jersey Skylands Insurance	$830	$142
Progressive	$840	$142
Plymouth Rock	$894	$150
Allstate	$1010	$170
Travelers	$1041	$175
State Farm	$1110	$187
Amica Mutual	$1163	$198
Selective	$1210	$202
Farmers	$1475	$251
National General	$904	$154

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in White Meadow Lake Instantly!

Average Car Insurance in White Meadow Lake 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 White Meadow Lake, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in White Meadow Lake, 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, White Meadow Lake's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in White Meadow Lake

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	$683
30s	NJM	$530
40s	NJM	$491
50s	NJM	$453
60s	NJM	$417

Cheapest Car Insurance Rates for Teen Drivers in White Meadow Lake,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 White Meadow Lake at $81 per month. At $5524 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	$476	$81
Selective	$597	$100
NJM	$910	$153
New Jersey Manufacturers	$1575	$263
Travelers	$2205	$371
Plymouth Rock	$2363	$398
Allstate	$2368	$399
Progressive	$2580	$434
Amica Mutual	$2786	$473
State Farm	$3055	$514
Farmers	$5524	$939

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 White Meadow Lake.

As young drivers face the highest rates in White Meadow Lake, NJM offers the cheapest auto insurance rates at $683 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 White Meadow Lake, Amica Mutual is the cheapest car insurance provider. At $581 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 White Meadow Lake is Farmers, offering rates of around $4990 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$581	$99
New Jersey Skylands Insurance	$730	$122
Foremost	$814	$139
NJM	$983	$166
Progressive	$994	$167
Plymouth Rock	$1290	$217
Allstate	$2205	$375
Travelers	$3172	$529
State Farm	$4826	$821
Farmers	$4990	$832

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in White Meadow Lake.

Car Insurance Rates with An Accident in White Meadow Lake

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 White Meadow Lake, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in White Meadow Lake

The cheapest car insurance companies after an at-fault accident in White Meadow Lake include New Jersey Skylands Insurance and NJM, offering $561 and $576, respectively. National General is an expensive provider with an average six-month premium of $386.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$561	$93
NJM	$576	$97
New Jersey Manufacturers	$724	$121
Plymouth Rock	$730	$123
Selective	$840	$140
Amica Mutual	$899	$151
Progressive	$1121	$189
State Farm	$1713	$288
Travelers	$1808	$304
Allstate	$2521	$425
Farmers	$4551	$758
National General	$386	$64

White Meadow Lake Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in White Meadow Lake NJ. For example, the car insurance in White Meadow Lake after a DUI increases to $1121 for a six month policy. While the rate increases by $154 for a six-month policy in the case of a speeding ticket.

White Meadow Lake auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1031	$172
One Med/PIP claim	$1036	$176
Not-at-fault accident	$1084	$181
One comp claim	$1095	$186
Two Med/PIP claims	$1100	$183
Speeding 6 - 10 MPH over limit	$1185	$201
Speeding 11 - 15 MPH over limit	$1190	$198
Two comp claims	$1190	$202
Failure to show documents	$1205	$201
At-fault accident - less than $1000	$1221	$207
Failure to wear a seat belt	$1237	$206
Driving too slowly	$1242	$211
Driving without lights	$1248	$208
Child safety restraint	$1269	$215
Driving with expired registration	$1269	$212
Wrong way/wrong lane	$1290	$219
Failure to yield	$1295	$216
Failure to stop at a red light	$1300	$221
Illegal turn	$1322	$221
Cell phone violation	$1338	$228
Texting while driving	$1338	$223
Speeding in school zone	$1359	$231
Operating a vehicle without permission	$1364	$227
Speeding 16 - 20 MPH over limit	$1364	$232
Improper passing	$1396	$232
Following too closely	$1401	$239
Passing school bus	$1459	$243
In 65 MPH zone	$1469	$250
Speeding 21 - 25 MPH over limit	$1517	$253
At-fault accident - $1000-$2000	$1559	$265
At-fault accident - greater than $2000	$1570	$262
Open container	$1755	$298
Reckless driving	$2057	$343
Leaving scene of an accident/hit and run	$2136	$363
DUI	$2152	$359
Refusal to submit to a chemical test	$2152	$366
Racing	$2157	$360
Driving with a suspended license	$2242	$381

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 White Meadow Lake 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 White Meadow Lake.

The cheapest car insurance premiums in White Meadow Lake are offered by Plymouth Rock at $629 for a six-month policy. However, it can be as expensive as $4594 with companies like Amica Mutual.

White Meadow Lake car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$629	$106
NJM	$692	$117
Foremost	$714	$121
Progressive	$804	$135
Mercury	$825	$141
New Jersey Manufacturers	$888	$148
Selective	$941	$160
Allstate	$1343	$226
Travelers	$1401	$236
State Farm	$4087	$688
Farmers	$4526	$770
Amica Mutual	$4594	$765

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 White Meadow Lake are offered by Plymouth Rock at $576. However, it can be as expensive as $2083 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in White Meadow Lake after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$576	$97
NJM	$730	$123
Progressive	$825	$139
State Farm	$1169	$198
Allstate	$1766	$295
Travelers	$1856	$316
Farmers	$2083	$347

Car Insurance Price Trends in White Meadow Lake, New Jersey

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

The average cost of full coverage in the White Meadow Lake rose by $219 in December compared to $216 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 White Meadow Lake rose to $77 in December, compared to $74 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in White Meadow Lake?

The car insurance in White Meadow Lake is $53 per month, which is lower than the national average.

What is the cheapest car insurance in White Meadow Lake?

The cheapest car insurance in White Meadow Lake is $117 per month for full coverage.

How much is car insurance in White Meadow Lake for teenagers?

Car insurance for teenagers costs $476 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 White Meadow Lake?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $168 per month to insure your car in White Meadow Lake.

Is car insurance expensive in White Meadow Lake?

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

Cheapest Car Insurance Quotes in White Meadow Lake

Why you can trust Way?

How Much Is Car Insurance in White Meadow Lake

Avg. Car Insurance in White Meadow Lake

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in White Meadow Lake

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

White Meadow Lake Car Insurance Rates by Company

Cheap Car Insurance Companies in White Meadow Lake, NJ

Way's key takeaways about car insurance in White Meadow Lake

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in White Meadow Lake

Cheapest Liability Coverage in White Meadow Lake, NJ

Cheapest Full Coverage Car Insurance in White Meadow Lake

Cheapest Full Coverage Car Insurance Quotes in White Meadow Lake, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in White Meadow Lake by Rating Factor

I have a clean driving record. Why is my car insurance rate here in White Meadow Lake, NJ increasing?

Car Insurance Premiums by Age in White Meadow Lake

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in White Meadow Lake,NJ

If you are in your twenties NJM is the best choice for car insurance in White Meadow Lake.

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 White Meadow Lake

Cheapest Car Insurance Companies after an At-Fault Accident in White Meadow Lake

White Meadow Lake Car Insurance Rates by Violation

White Meadow Lake auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in White Meadow Lake after a DUI

White Meadow Lake car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in White Meadow Lake after Speeding ticket

Car Insurance Price Trends in White Meadow Lake, New Jersey

Average Car Insurance Cost in White Meadow Lake by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near White Meadow Lake, NJ

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

Featured Blogs

Data Sources