Lakewood Car Insurance

(And how to find an independent agent)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

Reviewer: Jeffrey Green Reviewed by Jeffrey Green
Reviewer: Jeffrey Green
Reviewed by Jeffrey Green

Jeff Green has held a variety of sales and management roles at life insurance companies, Wall street firms, and distribution organizations over his 40-year career.  He was previously Finra 7,24,66 registered and held life insurance licenses in multiple states. He is a graduate of Stony Brook University.


Lakewood, OH, is known as one of the hippest cities in the world. It has a counterculture atmosphere that a lot of people admire. With over 50,249 residents, this town is still a bit secluded, which adds to its charm.

When you drive these diverse streets, you'll want adequate protection. An independent insurance agent can find coverage for a competitive price. Get in touch with a local expert today. 

What Is the Cost of Lakewood, OH, Car Insurance?

The carriers will determine your car insurance premiums based on a variety of factors. Some are inside of your control while others are not. The insurance companies use the following criteria:

  • Your address
  • The coverage you select
  • The crime rate
  • The number of claims reported in the area
  • Your insurance score, credit score, and motor vehicle record (MVR)
  • The year, make, model, and value of the vehicles you insure
  • Your experience level as a driver

Whether you drive an ATV or an SUV, car insurance premiums are unique to you. Price shopping can be cumbersome, but you can save time if you work with a local expert. When you're looking for an exact figure, contact your Lakewood independent agent to run quotes. 

What Are Lakewood, OH, Car Insurance Requirements?

Usually, you have to pay to drive. Liability insurance is a minimum requirement in most states to use the roadways. If you're unsure what Lakewood requires for coverage, see below:

  • Minimum liability limits of $25,000 per person/ $50,000 per accident/ $25,000 in property damage

Your car insurance liability should have high enough limits to protect you against a major claim. When you're involved in a substantial accident, an umbrella policy could help. Umbrella insurance is another layer of protection above your auto policy. Once you've exhausted your primary policy's limits, umbrella insurance would apply. Speak with your local independent agent on your liability coverage.

Uninsured and Underinsured Motorist in Lakewood, OH

The best way to avoid a financial loss with an uninsured driver is to have uninsured/underinsured motorists coverage or UM/UIM. 


UM/UIM pays for your medical and property damage expenses when you're in a not-at-fault accident with an uninsured driver. Check out the percentage of uninsured motorists:

  • National average: 13%
  • Ohio average: 12.4%

You'll want UM/UIM even when you're driving a snowmobile. In a world where not everyone plays by the rules, your coverage needs to be adequate. Connect with your Lakewood independent agent to discuss your UM/UIM insurance.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Other Car Insurance Options in Lakewood, OH

Your liability insurance is just the tip of the iceberg. To be correctly insured, you'll want coverage for your vehicle too. Take a look at other car insurance options below:

  • Comprehensive: This pays for property damage to your vehicle resulting from an object hitting your car. 
  • Collision: This pays for property damage to your vehicle resulting from a crash.
  • Towing: This pays for a covered auto to be towed.
  • Gap: This pays for the difference between your loan's remaining balance and your car's market value.
  • Rental car: This pays for a rental car needed as a result of a covered loss.

Car insurance is essential, and having the right coverage is vital. When you're deciding on what options to choose, discuss bundling with your agent. When you put your auto and home insurance with the same carrier, you get a big discount. This can offset the costs of additional coverage. Contact an independent agent to discuss further.

Does Local Crime Impact Your Lakewood, OH, Car Insurance?

Local crime is one of the rating factors the insurance companies use to determine costs. More theft in an area results in more expensive premiums. You'll want coverage for your belongings when a break-in occurs.

Average theft rate:

  • National average: 228.9
  • Ohio average: 170.3
  • Lakewood average: 99.8

The local theft rates in Lakewood are quite a bit lower than the state and national figures. Whether you're insuring a sports car or a commercial vehicle, you'll want comprehensive insurance to cover your personal items. Speak with a Lakewood independent agent to go over your car policy's coverage options.

How an Independent Insurance Agent Can Help in Lakewood, OH

When you're unsure where to begin, a Lakewood independent insurance agent can help. They have access to multiple carriers, giving you options. When coverage and rate are important, an agent can do the shopping for you.

A local independent agent works on your behalf for free. With your best interests in mind, they can search the local carriers to find you the right car policy. Go to to connect with an expert in minutes.

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