Lodi, NJ Car Insurance

Drivers in Lodi pay, on average, $108 a month for their car insurance. For more information refer to our guide below.
What can Lodi residents expect to pay for their car insurance? How does Lodi stack up to the rest of the area, or even New Jersey as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Lodi?

Area Average Monthly Car Insurance Premium
Lodi$108
NJ$107
United States$80

As you can tell by looking at the chart above, auto insurance rates in Lodi are about the same as the rest of New Jersey.

Similarly, Lodi residents should prepare to pay higher rates for coverage than the rest of the country. You can expect to pay about $28 more for your policy in Lodi.

Bear in mind that while these rates are the average costs for residents of Lodi, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

But don't worry, we've broken down the average rate for Lodi residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$195
25-34$104
35-44$105
45-54$81
55-64$95
65+$76

The older you are, the more experienced you are on the roads. That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.

For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may climb back up a bit in Lodi.

Average Car Insurance Rates by Gender

Gender Average
Male$108
Female$107

Female drivers pay, on average, slightly less than their male counterparts. The price to insure your vehicle in Lodi, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$113
Multiple Accidents$126
1 Ticket$120
Multiple Tickets$131

Your driving record can have a huge impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions, while those with clean driving records will obviously pay the least. The rate for drivers in Lodi with a single accident on their record is about $113 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $120.

Accidents, tickets, and other driving infractions can cost you some serious cash. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$128
2-3 Years$93
4-5 Years$94
6-7 Years$130
8-10 Years$97
11-14 Years$111
15 Years or Older$109

In terms of affordable coverage, the cheapest vehicles to insure in Lodi are usually SUVs, at $100 per month.

SUV owners will see rates of about $100, while truck and van owners typically pay around $118 a month.

Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Lodi, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$117
Married$93
Divorced$89
Widowed$27

Overall, people who are married will pay slightly less for insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Lodi is no exception, with the difference totaling to around $24 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$95
Rent$106
Live with parents$175

Another factor that comes into play is your living situation. If you rent your home or apartment in Lodi, expect to pay around $11 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance premiums, depending on your insurance company.

Car Insurance Companies in Lodi, NJ

Recent trends in car insurance for Lodi drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.

The cost of auto insurance in Lodi had been decreasing from 2016-2017, before leveling out in 2018. Insurance rates finished down in 2021, at $96 per month

How does Lodi compare to neighboring areas?

Why are car insurance rates in Lodi different from other areas?

When considering how much to charge for coverage, car insurance companies will review numerous factors. The price of your insurance policy will depend largely on where you live and will be influenced by things such as:

  • Area crime rates
  • Road Safety (how many accidents each locality has)
  • Availability of off-street parking
  • Amount of drivers in the community
  • Regional laws

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Lodi?

While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Lodi.

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Lodi Insurance FAQs

What factors affect car insurance quotes in Lodi?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Lodi different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Lodi?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Lodi?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Lodi or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

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