Hershfield Insurance Agency
4909 Lakewood Boulevard, #501, Lakewood, CA 90712
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4909 Lakewood Boulevard, #501, Lakewood, CA 90712
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6414 Del Amo Blvd, Lakewood, CA 90713
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5150 Candlewood St, Suite 2A, Lakewood, CA 90712
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4333 South St, #201, Lakewood, CA 90712
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Learn about insurance coverage options specific to Lakewood residents.
Complete 2025 insurance guide for Lakewood, California. Learn about new auto requirements, homeowners costs, local agents, and how to save on coverage.
Home InsuranceLakewood home insurance costs are rising 20-22% in 2025. Learn about earthquake coverage, rebuild costs for mid-century homes, and how to save on premiums.
Home InsuranceLakewood home insurance costs $510-689/year in Pierce County. Learn about flood risks, military discounts at JBLM, and how to save on coverage.
Home InsuranceLakewood homeowners face severe hail and wildfire smoke risks. Learn how impact-resistant roofing saves 20-35% on premiums and what coverage you need.
General Insurance EducationComplete insurance guide for Lakewood, WA residents and JBLM military families. Auto rates, earthquake coverage, flood insurance, and renters policies explained.
General Insurance EducationComplete Lakewood insurance guide covering Colorado's 25/50/15 requirements, hail damage risks, and why local rates run 23% above state average.
California now requires minimum liability coverage of $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $15,000 for property damage (30/60/15). These limits doubled from the previous 15/30/5 requirements and take effect when your policy renews. The change aims to provide better financial protection given today's medical costs and vehicle values.
The average car insurance cost in Lakewood is approximately $1,909 per year or about $159 per month. Currently insured drivers typically pay around $135.75 per month, while those shopping for new coverage pay closer to $183.91 per month. Your actual rate depends on factors like your driving history, age, vehicle type, and coverage levels.
While not legally required, renters insurance is highly recommended for Lakewood tenants. Your landlord's policy doesn't cover your personal belongings or protect you from liability claims if someone is injured in your apartment. Renters insurance typically costs only $15-30 per month and provides both property coverage and important liability protection.
Homeowners insurance rates in Los Angeles County have risen due to increased wildfire risk across the region, which has prompted several major insurers to pull back from the California market or cancel policies. Recent fires like the Palisades and Eaton blazes are likely to push rates even higher. Even areas like Lakewood that aren't in high-risk wildfire zones are affected by the broader regional market challenges.
While California's new $30,000/$60,000/$15,000 minimums are legally sufficient, they may not provide adequate protection. Medical bills and vehicle damage from a serious accident can easily exceed these limits, leaving you personally liable for the difference. Most insurance experts recommend at least 100/300/100 coverage or adding an umbrella policy for additional protection.
You can reduce insurance costs by bundling your auto and home or renters policies with one carrier (typically saving 15-25%), increasing your deductibles, maintaining a clean driving record, and shopping around with multiple carriers or local agents. Also consider available discounts for things like good student grades, safety features in your car, or home security systems.
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