Lakewood drivers, where three out of four commuters drive alone, can compare car insurance quotes from multiple California carriers in one place.
How Much Does Car Insurance Cost in Lakewood?
Rates here start with your driving record, annual mileage and years of experience, and ZIP code (90712, 90713 or 90715) can also play a part. Vehicle theft is a local factor too, since Lakewood police logged about 3.8 thefts per thousand people in 2025, a little above the state average of 3.2.
| Factor | Lakewood | California |
|---|---|---|
| Average commute | 29 min | 29 min |
| Homes with 2+ cars | 75% | 63% |
| Car thefts per 1,000 | 3.8 | 3.2 |
| ZIP codes | 3 |
Why Lakewood Drivers Compare Quotes With A1
Each carrier weighs those factors differently, so the same Lakewood driver can see quite different prices from one company to the next. An independent broker like A1 compares quotes from several carriers, so you do not have to chase them one at a time.
About Lakewood, California
Lakewood is an incorporated city in Los Angeles County with about 80,500 residents spread over roughly 9 square miles. It sits at a low elevation of about 46 feet in Southern California. Neighbors such as Bellflower, Cerritos, Artesia and Paramount are all within a few miles, and Norwalk is the closest city over 100,000 people.
- County
- Los Angeles County
- Population
- 80,510 (Census est.)
- Major routes
- I-605, SR-91
Driving in Lakewood: What to Know
About 75% of Lakewood workers drive alone, compared with 67% across California, so the car is the main way people get around. Roughly 75% of households have two or more vehicles, well above the state figure of about 63%, which means many families insure more than one car. The average commute is about 29 minutes, matching the state average, and the I-605 and SR-91 corridors are close by. Daily highway miles can add up, so it is worth giving your carrier an accurate annual mileage figure.
State highways through or near Lakewood:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Lakewood
The nearest DMV office is Bellflower DMV at 9520 East Artesia Blvd., about 2 miles from Lakewood.
Nearest DMV: Bellflower
9520 East Artesia Blvd., Bellflower, CA 90706
About 1.9 miles from Lakewood
California Car Insurance Rules for Lakewood Drivers
California's minimum liability limits are 30/60/15, which covers $30,000 per injured person, $60,000 per accident and $15,000 in property damage. Drivers with a clean record can qualify for a Good Driver Discount of at least 20%, and credit scores cannot be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Lakewood ZIP Codes and Nearby Areas
ZIP codes in Lakewood:
Nearby cities and communities:
More About Lakewood
Lakewood is a classic postwar suburb in southeast Los Angeles County, with tidy neighborhoods, tree-lined streets and a strong community feel. Some highlights:
- A planned-community story. Lakewood grew in the early 1950s as one of the country's largest postwar housing developments. It became a city in 1954 and inspired the "Lakewood Plan" for contracting local services.
- Lakewood Center. Opened in 1951, this shopping center has been a hub for the community for generations, with department stores, restaurants and a bustling crowd on weekends.
- Neighborhood parks. Mayfair Park and Rynerson Park anchor a park-rich city, with playgrounds, sports fields and community events that bring neighbors together.
- Long Beach next door. The Aquarium of the Pacific, the Queen Mary and miles of beachfront are a short trip south, which makes weekend plans easy.
Lakewood Car Insurance FAQ
Does theft in Lakewood affect my insurance?
Lakewood's 2025 theft rate of about 3.8 per thousand is a bit higher than the state average of 3.2. Comprehensive coverage pays for theft, fire, flood and vandalism, while liability-only does not cover your own car.
Will my commute change what I pay?
Annual mileage is one of the top rating factors in California, so a longer drive can matter. Lakewood's average commute is about 29 minutes, the same as the state average, and about 12% of workers work from home, which may lower mileage for some.
What if I need an SR-22?
An SR-22 is a form your insurer files with the DMV after a DUI, driving uninsured or a suspension. Not every carrier handles them the same way, so comparing quotes through A1 can help you find one that does.