Cheapest Car Insurance Quotes in Bergenfield

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Bergenfield Car Insurance

^$ 75

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Bergenfield

The car insurance rate in Bergenfield is $1523 for a six-month policy, which is $285 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $950, making it a popular choice for budget-conscious drivers. Rates in Bergenfield can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Bergenfield

$1523

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Bergenfield

1st place: New Jersey Manufacturers

At $950 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1148 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1161 for six months, making it the third cheapest auto insurance company in Bergenfield.

Bergenfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Bergenfield, NJ is New Jersey Manufacturers, offering policies at just $950 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1148.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2535 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bergenfield drivers find the best deals.

Cheap Car Insurance Companies in Bergenfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$950	$159
New Jersey Skylands Insurance	$1148	$196
NJM	$1161	$196
Plymouth Rock	$1264	$213
Progressive	$1330	$224
Travelers	$1417	$239
Amica Mutual	$1608	$268
Allstate	$1658	$279
State Farm	$1790	$301
Selective	$1892	$319
Farmers	$2535	$423

Key Takeaways

Way's key takeaways about car insurance in Bergenfield

The auto insurance costs in Bergenfield fall around $950 for six months.
The cheapest auto insurance company in Bergenfield is New Jersey Manufacturers.
Teen drivers pay the highest rate in Bergenfield at $1287 per month.

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Cheapest Minimum Liability Car Insurance in Bergenfield

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Bergenfield are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Bergenfield. Their Average 6 Month Premium is $438. Farmers is the most expensive at $1264 for the same period.

Cheapest Liability Coverage in Bergenfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$438	$75
Plymouth Rock	$592	$100
NJM	$606	$102
New Jersey Skylands Insurance	$643	$107
Amica Mutual	$658	$112
Amica	$753	$125
Progressive	$753	$127
Travelers	$775	$130
State Farm	$811	$137
Allstate	$899	$151
Selective	$1001	$169
Farmers	$1264	$210

Cheapest Full Coverage Car Insurance in Bergenfield

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Bergenfield is New Jersey Manufacturers at $159 per month and $950 for six months.

Cheapest Full Coverage Car Insurance Quotes in Bergenfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$950	$159
New Jersey Skylands Insurance	$1148	$196
NJM	$1161	$196
Plymouth Rock	$1264	$213
Progressive	$1330	$224
Travelers	$1417	$239
Amica Mutual	$1608	$268
Allstate	$1658	$279
State Farm	$1790	$301
Selective	$1892	$319
Farmers	$2535	$423

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Average Car Insurance in Bergenfield by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Bergenfield, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Bergenfield, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Bergenfield's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Bergenfield

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$943
30s	NJM	$733
40s	NJM	$679
50s	NJM	$626
60s	NJM	$577

Cheapest Car Insurance Rates for Teen Drivers in Bergenfield,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the Bergenfield at $112 per month. At $7569 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$658	$112
NJM	$1315	$221
New Jersey Manufacturers	$2177	$370
Travelers	$3069	$517
Selective	$3325	$560
Plymouth Rock	$3449	$581
Amica Mutual	$3850	$654
Allstate	$4180	$704
Progressive	$4223	$711
State Farm	$5005	$843
Farmers	$7569	$1287

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in Bergenfield.

As young drivers face the highest rates in Bergenfield, NJM offers the cheapest auto insurance rates at $943 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Bergenfield, Amica Mutual is the cheapest car insurance provider. At $803 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Bergenfield is State Farm, offering rates of around $8892 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$803	$137
New Jersey Skylands Insurance	$1009	$169
Foremost	$1125	$192
NJM	$1410	$237
Progressive	$1812	$305
Plymouth Rock	$1871	$315
Farmers	$3360	$572
Selective	$3887	$648
Travelers	$4150	$706
Allstate	$4347	$724
State Farm	$8892	$1512

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Car Insurance Rates with An Accident in Bergenfield

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Bergenfield, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Bergenfield

The cheapest car insurance companies after an at-fault accident in Bergenfield include New Jersey Skylands Insurance and NJM, offering $775 and $825, respectively. Farmers is an expensive provider with an average six-month premium of $4910.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$775	$129
NJM	$825	$139
New Jersey Manufacturers	$1001	$167
Plymouth Rock	$1044	$176
Amica Mutual	$1242	$209
Progressive	$1747	$294
Selective	$2368	$399
Travelers	$2426	$408
State Farm	$2806	$472
Allstate	$4384	$738
Farmers	$4910	$818

Bergenfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Bergenfield NJ. For example, the car insurance in Bergenfield after a DUI increases to $1550 for a six month policy. While the rate increases by $213 for a six-month policy in the case of a speeding ticket.

Bergenfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1424	$237
One Med/PIP claim	$1432	$244
Not-at-fault accident	$1498	$250
One comp claim	$1513	$257
Two Med/PIP claims	$1520	$253
Speeding 6 - 10 MPH over limit	$1637	$278
Speeding 11 - 15 MPH over limit	$1645	$274
Two comp claims	$1645	$279
Failure to show documents	$1665	$278
At-fault accident - less than $1000	$1688	$287
Failure to wear a seat belt	$1710	$285
Driving too slowly	$1717	$292
Driving without lights	$1724	$288
Child safety restraint	$1754	$298
Driving with expired registration	$1754	$293
Wrong way/wrong lane	$1782	$303
Failure to yield	$1790	$299
Failure to stop at a red light	$1797	$305
Illegal turn	$1827	$305
Cell phone violation	$1849	$315
Texting while driving	$1849	$308
Speeding in school zone	$1878	$320
Operating a vehicle without permission	$1886	$314
Speeding 16 - 20 MPH over limit	$1886	$321
Improper passing	$1929	$321
Following too closely	$1936	$330
Passing school bus	$2016	$336
In 65 MPH zone	$2031	$346
Speeding 21 - 25 MPH over limit	$2097	$349
At-fault accident - $1000-$2000	$2155	$367
At-fault accident - greater than $2000	$2170	$362
Open container	$2426	$412
Reckless driving	$2843	$474
Leaving scene of an accident/hit and run	$2952	$502
DUI	$2974	$496
Refusal to submit to a chemical test	$2974	$506
Racing	$2982	$497
Driving with a suspended license	$3098	$526

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Bergenfield after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Bergenfield.

The cheapest car insurance premiums in Bergenfield are offered by Plymouth Rock at $899 for a six-month policy. However, it can be as expensive as $6715 with companies like State Farm.

Bergenfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$899	$151
Foremost	$986	$165
NJM	$994	$167
Mercury	$1140	$189
New Jersey Manufacturers	$1228	$209
Progressive	$1250	$210
Travelers	$1886	$317
Allstate	$2257	$380
Selective	$2776	$467
Farmers	$3200	$534
Amica Mutual	$6349	$1080
State Farm	$6715	$1130

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Bergenfield are offered by Plymouth Rock at $833. However, it can be as expensive as $4296 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Bergenfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$833	$140
NJM	$1059	$178
Progressive	$1461	$246
Selective	$2105	$351
State Farm	$2133	$363
Travelers	$2448	$408
Allstate	$3566	$606
Farmers	$4296	$716

Car Insurance Price Trends in Bergenfield, New Jersey

Car insurance rates in Bergenfield have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Bergenfield rose by $357 in January compared to $303 of December. In other words, there has been an increase by $54 when you compare January and December.

The average cost of liability insurance in the Bergenfield rose to $119 in January, compared to $106 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Bergenfield?

The car insurance in Bergenfield is $75 per month, which is lower than the national average.

What is the cheapest car insurance in Bergenfield?

The cheapest car insurance in Bergenfield is $159 per month for full coverage.

How much is car insurance in Bergenfield for teenagers?

Car insurance for teenagers costs $658 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Bergenfield?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $256 per month to insure your car in Bergenfield.

Is car insurance expensive in Bergenfield?

Car insurance can be expensive in Bergenfield if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Bergenfield can be affordable.

Cheapest Car Insurance Quotes in Bergenfield

Why you can trust Way?

How Much Is Car Insurance in Bergenfield

Avg. Car Insurance in Bergenfield

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Bergenfield

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Bergenfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Bergenfield, NJ

Way's key takeaways about car insurance in Bergenfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Bergenfield

Cheapest Liability Coverage in Bergenfield, NJ

Cheapest Full Coverage Car Insurance in Bergenfield

Cheapest Full Coverage Car Insurance Quotes in Bergenfield, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Bergenfield by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Bergenfield, NJ increasing?

Car Insurance Premiums by Age in Bergenfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Bergenfield,NJ

If you are in your twenties NJM is the best choice for car insurance in Bergenfield.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Bergenfield

Cheapest Car Insurance Companies after an At-Fault Accident in Bergenfield

Bergenfield Car Insurance Rates by Violation

Bergenfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Bergenfield after a DUI

Bergenfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Bergenfield after Speeding ticket

Car Insurance Price Trends in Bergenfield, New Jersey

Average Car Insurance Cost in Bergenfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Bergenfield, NJ

Car Insurance Rates by State in the USA (2025 Update)

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