Lakewood, WA Car Insurance

On average, drivers in Lakewood pay around $85 per month for their car insurance. We cover plan rates, policies and more in our guide below.
Map of cities where drivers can find cheaper car insurance
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Compared to their surrounding area, how do rates in Lakewood stack up? What about against the rest of Washington? What should residents of Lakewood expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Lakewood?

Area Average Monthly Car Insurance Premium
Lakewood$85
WA$76
United States$81

Auto insurance policies in Lakewood are about $9 a month more expensive than the rest of Washington.

Similarly, Lakewood residents should prepare to pay higher rates for coverage than the rest of the country. It's about $4 more expensive for coverage in Lakewood than the average rates for the U.S. as a whole.

While these numbers are the average rates for auto insurance in Lakewood, that doesn't mean it's what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

But worry not, we've done the heavy lifting and broken down the average rate for Lakewood to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$138
25-34$86
35-44$79
45-54$65
55-64$66
65+$77

Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance premiums, that experience can really pay off. According to the table above, you can see that 18-24-year-olds pay $61 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Drivers in Lakewood may see their rates creep back up a bit once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$90
Female$77

On average, female drivers pay slightly less than male drivers for car insurance. In Lakewood, male drivers pay about $13 more a month. As you can see in the table above, male drivers in the area typically pay $90 on average, while female drivers typically pay $77 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$110
Multiple Accidents$129
1 Ticket$95
Multiple Tickets$111

Your driving record can have a huge impact on your car insurance rates. Drivers with clean records can expect to pay less than those with accidents or violations. The rate for drivers in Lakewood with a single accident on their record is about $110 a month. Likewise, drivers with one ticket will be looking at a rate of around $95 a month on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. 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$82
2-3 Years$86
4-5 Years$84
6-7 Years$104
8-10 Years$86
11-14 Years$88
15 Years or Older$81

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Lakewood, with drivers paying around $73 per month for auto insurance coverage.

Truck and van drivers will see rates of about $77 to insure their car, while car owners typically pay around $89 per month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Lakewood are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$90
Married$69
Divorced$73
Widowed$80

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

The cost of auto insurance in Lakewood reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $21 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$82
Rent$84
Live with parents$101

Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than drivers who own property in Lakewood. 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 average premiums, depending on your insurance company.

Car Insurance Companies in Lakewood, WA

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

Auto insurance rates in Lakewood declined from 2017-2018, before increasing from 2019-2021. They finished down in 2022 at $75.

How does Lakewood compare to neighboring areas?

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

There are a variety of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The specifics of where you call home will have an impact on your personal policy. This might include things like:

  • Community laws
  • Amount of off-street parking
  • Total amount of drivers in the area
  • Road safety
  • Area crime rates

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.

How can I find the cheapest car insurance in Lakewood?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies providing coverage in Lakewood in no time.


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Lakewood Insurance FAQs

What factors affect car insurance quotes in Lakewood?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, driving record, address, and marital status.

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

Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

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

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Lakewood or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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