We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Bloomfield shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Bloomfield
The car insurance rate in Bloomfield is $1358 for a six-month policy, which is $236 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $934, making it a popular choice for budget-conscious drivers. Rates in Bloomfield 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.
At $934 for a six
month policy, New Jersey Manufacturers offers
the cheapest
auto
insurance rates in the city.
2nd place: NJM
NJM offers auto
insurance rates at $1114 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: New Jersey Skylands Insurance
New Jersey Skylands Insurance offers auto insurance
rates at $1129
for six months, making it
the third cheapest auto insurance company in Bloomfield.
Bloomfield Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Bloomfield, NJ is New Jersey Manufacturers, offering policies at just $934 for a six-month term. This is followed by NJM, which has an average six-month premium of $1114.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1229 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Bloomfield drivers find the best deals.
Way's key takeaways about car insurance in Bloomfield
The auto insurance costs in Bloomfield fall around $934 for six
months.
The cheapest auto insurance company in Bloomfield is New Jersey Manufacturers.
Teen drivers pay the highest rate in Bloomfield at $1277 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Bloomfield
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 Bloomfield are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Bloomfield. Their Average 6 Month Premium is $431.
National General is the most
expensive at $453 for the same
period.
Cheapest Full Coverage Car Insurance in Bloomfield
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 Bloomfield is New Jersey Manufacturers
at $159 per month and $934
for six months.
Cheapest Full Coverage Car Insurance Quotes in Bloomfield,
NJ
Get Your Car Insurance Quote in Bloomfield
Instantly!
Average Car Insurance in Bloomfield 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 Bloomfield, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Bloomfield, 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, Bloomfield's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Bloomfield
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
$928
30s
NJM
$721
40s
NJM
$668
50s
NJM
$616
60s
NJM
$567
Cheapest Car Insurance Rates for Teen Drivers in
Bloomfield,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 Bloomfield at $110
per
month. At $7510 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in Bloomfield.
As young drivers face the highest rates in Bloomfield, NJM
offers the cheapest auto insurance rates at $928 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 Bloomfield,
Amica Mutual is
the cheapest car insurance provider. At $790 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
Bloomfield is Farmers, offering
rates of around $6784 for six
months.
Save up to $971/yr on car insurance rates in Bloomfield.
Car Insurance Rates with An Accident in Bloomfield
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 Bloomfield, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Bloomfield
The cheapest car insurance companies after an at-fault accident in
Bloomfield include New Jersey Skylands Insurance
and NJM, offering $762
and $783,
respectively. National General is an expensive provider
with an average six-month premium of
$525.
Here is a list of driving violations that can increase your car
insurance rates in Bloomfield NJ. For example, the car
insurance in Bloomfield
after a DUI increases to $1525 for a six
month policy. While the rate increases by $210 for a six-month policy in the case of
a speeding ticket.
Bloomfield auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1401
$234
One Med/PIP claim
$1408
$240
Not-at-fault accident
$1474
$246
One comp claim
$1488
$253
Two Med/PIP claims
$1496
$249
Speeding 6 - 10 MPH over limit
$1611
$273
Speeding 11 - 15 MPH over limit
$1618
$270
Two comp claims
$1618
$275
Failure to show documents
$1638
$273
At-fault accident - less than $1000
$1660
$282
Failure to wear a seat belt
$1682
$281
Driving too slowly
$1689
$287
Driving without lights
$1696
$283
Child safety restraint
$1725
$293
Driving with expired registration
$1725
$288
Wrong way/wrong lane
$1753
$298
Failure to yield
$1761
$294
Failure to stop at a red light
$1768
$300
Illegal turn
$1797
$300
Cell phone violation
$1819
$310
Texting while driving
$1819
$303
Speeding in school zone
$1848
$315
Operating a vehicle without permission
$1855
$309
Speeding 16 - 20 MPH over limit
$1855
$316
Improper passing
$1897
$316
Following too closely
$1905
$324
Passing school bus
$1983
$330
In 65 MPH zone
$1998
$340
Speeding 21 - 25 MPH over limit
$2063
$344
At-fault accident - $1000-$2000
$2120
$361
At-fault accident - greater than $2000
$2134
$356
Open container
$2386
$405
Reckless driving
$2796
$466
Leaving scene of an accident/hit and run
$2904
$494
DUI
$2926
$488
Refusal to submit to a chemical test
$2926
$497
Racing
$2933
$489
Driving with a suspended license
$3048
$518
Your Wallet Deserves Better. Seriously.
Get smarter car insurance rates in minutes today!
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 Bloomfield 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 Bloomfield.
The cheapest car insurance premiums in
Bloomfield are
offered by Plymouth Rock at $855 for a six-month policy.
However, it can be as
expensive as $6246 with companies
like Amica Mutual.
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 Bloomfield are offered by Plymouth Rock
at $783. However,
it can be as expensive as $2831
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Bloomfield after Speeding ticket
Car Insurance Price Trends in Bloomfield,
New Jersey
Car insurance rates in Bloomfield have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Bloomfield rose by
$298 in December
compared to $294 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the Bloomfield rose to $104 in December,
compared to $100 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Bloomfield by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Bloomfield. At $2715 for a
six-month policy, insuring
your car at 7003 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Bloomfield?
The car insurance in Bloomfield is $71 per month, which is lower than the national average.
What is the cheapest car insurance in Bloomfield?
The cheapest car insurance in Bloomfield
is $159 per month
for full coverage.
How much is car insurance in Bloomfield for teenagers?
Car insurance for teenagers costs $647 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
Bloomfield?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $229 per month to insure your
car in Bloomfield.
Is car insurance expensive in Bloomfield?
Car insurance can be expensive in Bloomfield if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Bloomfield can be
affordable.
What is the best car insurance in Bloomfield,
NJ?
The best car insurance company in Bloomfield
NJ is
New Jersey Manufacturers, offering $934 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Bloomfield right now.
Find Car Insurance Rates in Cities Near Bloomfield, NJ
Car Insurance Rates by State in the USA (2025 Update)
Bloomfield Car Insurance
