Cheapest Car Insurance Quotes in Carlstadt

Finding the cheapest car insurance quotes in Carlstadt 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Carlstadt Car Insurance

^$ 72

/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 Carlstadt

The car insurance rate in Carlstadt is $1369 for a six-month policy, which is $247 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $942, making it a popular choice for budget-conscious drivers. Rates in Carlstadt 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 Carlstadt

$1369

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Carlstadt

1st place: New Jersey Manufacturers

At $942 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 $1124 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 $1138 for six months, making it the third cheapest auto insurance company in Carlstadt.

Carlstadt Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Carlstadt, NJ is New Jersey Manufacturers, offering policies at just $942 for a six-month term. This is followed by NJM, which has an average six-month premium of $1124.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1240 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Carlstadt drivers find the best deals.

Cheap Car Insurance Companies in Carlstadt, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$942	$160
NJM	$1124	$189
New Jersey Skylands Insurance	$1138	$194
Progressive	$1152	$194
Plymouth Rock	$1225	$206
Allstate	$1385	$233
Travelers	$1427	$240
State Farm	$1521	$256
Amica Mutual	$1595	$271
Selective	$1659	$277
Farmers	$2022	$344
National General	$1240	$211

Key Takeaways

Way's key takeaways about car insurance in Carlstadt

The auto insurance costs in Carlstadt fall around $942 for six months.
The cheapest auto insurance company in Carlstadt is New Jersey Manufacturers.
Teen drivers pay the highest rate in Carlstadt at $1287 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 Carlstadt

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 Carlstadt are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Carlstadt. Their Average 6 Month Premium is $434. National General is the most expensive at $456 for the same period.

Cheapest Liability Coverage in Carlstadt, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$434	$72
Plymouth Rock	$544	$92
Progressive	$544	$92
NJM	$587	$99
New Jersey Skylands Insurance	$638	$106
State Farm	$645	$109
Amica Mutual	$653	$109
Travelers	$653	$110
Amica	$747	$124
Selective	$789	$134
Allstate	$811	$137
Farmers	$1312	$223
National General	$456	$78

Cheapest Full Coverage Car Insurance in Carlstadt

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 Carlstadt is New Jersey Manufacturers at $160 per month and $942 for six months.

Cheapest Full Coverage Car Insurance Quotes in Carlstadt, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$942	$160
NJM	$1124	$189
New Jersey Skylands Insurance	$1138	$194
Progressive	$1152	$194
Plymouth Rock	$1225	$206
Allstate	$1385	$233
Travelers	$1427	$240
State Farm	$1521	$256
Amica Mutual	$1595	$271
Selective	$1659	$277
Farmers	$2022	$344
National General	$1240	$211

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Carlstadt Instantly!

Average Car Insurance in Carlstadt 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 Carlstadt, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Carlstadt, 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, Carlstadt's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Carlstadt

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	$936
30s	NJM	$727
40s	NJM	$673
50s	NJM	$621
60s	NJM	$572

Cheapest Car Insurance Rates for Teen Drivers in Carlstadt,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 Carlstadt at $111 per month. At $7573 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	$653	$111
Selective	$819	$137
NJM	$1247	$210
New Jersey Manufacturers	$2159	$360
Travelers	$3022	$509
Plymouth Rock	$3239	$545
Allstate	$3246	$547
Progressive	$3537	$595
Amica Mutual	$3819	$649
State Farm	$4188	$705
Farmers	$7573	$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 Carlstadt.

As young drivers face the highest rates in Carlstadt, NJM offers the cheapest auto insurance rates at $936 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 Carlstadt, Amica Mutual is the cheapest car insurance provider. At $797 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 Carlstadt is Farmers, offering rates of around $6841 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$797	$135
New Jersey Skylands Insurance	$1000	$167
Foremost	$1116	$190
NJM	$1348	$227
Progressive	$1363	$229
Plymouth Rock	$1768	$298
Allstate	$3022	$514
Travelers	$4348	$725
State Farm	$6616	$1125
Farmers	$6841	$1141

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Carlstadt.

Car Insurance Rates with An Accident in Carlstadt

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 Carlstadt, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Carlstadt include New Jersey Skylands Insurance and NJM, offering $769 and $789, respectively. National General is an expensive provider with an average six-month premium of $529.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$769	$128
NJM	$789	$133
New Jersey Manufacturers	$993	$166
Plymouth Rock	$1000	$168
Selective	$1152	$192
Amica Mutual	$1232	$207
Progressive	$1536	$259
State Farm	$2349	$395
Travelers	$2478	$417
Allstate	$3456	$582
Farmers	$6239	$1039
National General	$529	$88

Carlstadt Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Carlstadt NJ. For example, the car insurance in Carlstadt after a DUI increases to $1537 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Carlstadt auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1413	$235
One Med/PIP claim	$1420	$242
Not-at-fault accident	$1486	$248
One comp claim	$1501	$255
Two Med/PIP claims	$1508	$251
Speeding 6 - 10 MPH over limit	$1624	$276
Speeding 11 - 15 MPH over limit	$1631	$272
Two comp claims	$1631	$277
Failure to show documents	$1652	$276
At-fault accident - less than $1000	$1674	$284
Failure to wear a seat belt	$1696	$283
Driving too slowly	$1703	$289
Driving without lights	$1710	$285
Child safety restraint	$1740	$295
Driving with expired registration	$1740	$290
Wrong way/wrong lane	$1768	$300
Failure to yield	$1775	$296
Failure to stop at a red light	$1782	$303
Illegal turn	$1812	$303
Cell phone violation	$1834	$312
Texting while driving	$1834	$305
Speeding in school zone	$1863	$317
Operating a vehicle without permission	$1870	$311
Speeding 16 - 20 MPH over limit	$1870	$318
Improper passing	$1913	$318
Following too closely	$1920	$327
Passing school bus	$2000	$333
In 65 MPH zone	$2014	$343
Speeding 21 - 25 MPH over limit	$2080	$346
At-fault accident - $1000-$2000	$2137	$364
At-fault accident - greater than $2000	$2152	$359
Open container	$2406	$409
Reckless driving	$2819	$470
Leaving scene of an accident/hit and run	$2928	$498
DUI	$2950	$492
Refusal to submit to a chemical test	$2950	$501
Racing	$2957	$493
Driving with a suspended license	$3073	$522

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 Carlstadt 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 Carlstadt.

The cheapest car insurance premiums in Carlstadt are offered by Plymouth Rock at $863 for a six-month policy. However, it can be as expensive as $6298 with companies like Amica Mutual.

Carlstadt car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$863	$145
NJM	$949	$160
Foremost	$978	$166
Progressive	$1102	$185
Mercury	$1131	$193
New Jersey Manufacturers	$1218	$203
Selective	$1290	$220
Allstate	$1841	$310
Travelers	$1920	$323
State Farm	$5602	$943
Farmers	$6204	$1055
Amica Mutual	$6298	$1049

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 Carlstadt are offered by Plymouth Rock at $789. However, it can be as expensive as $2855 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Carlstadt after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$789	$133
NJM	$1000	$168
Progressive	$1131	$190
State Farm	$1602	$272
Allstate	$2420	$404
Travelers	$2544	$433
Farmers	$2855	$476

Car Insurance Price Trends in Carlstadt, New Jersey

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

The average cost of full coverage in the Carlstadt rose by $300 in December compared to $296 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 Carlstadt rose to $105 in December, compared to $101 in November. This represents an increase of $4 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Carlstadt?

The car insurance in Carlstadt is $72 per month, which is lower than the national average.

What is the cheapest car insurance in Carlstadt?

The cheapest car insurance in Carlstadt is $160 per month for full coverage.

How much is car insurance in Carlstadt for teenagers?

Car insurance for teenagers costs $653 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 Carlstadt?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $231 per month to insure your car in Carlstadt.

Is car insurance expensive in Carlstadt?

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

Cheapest Car Insurance Quotes in Carlstadt

Why you can trust Way?

How Much Is Car Insurance in Carlstadt

Avg. Car Insurance in Carlstadt

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Carlstadt

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Carlstadt Car Insurance Rates by Company

Cheap Car Insurance Companies in Carlstadt, NJ

Way's key takeaways about car insurance in Carlstadt

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Carlstadt

Cheapest Liability Coverage in Carlstadt, NJ

Cheapest Full Coverage Car Insurance in Carlstadt

Cheapest Full Coverage Car Insurance Quotes in Carlstadt, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Carlstadt by Rating Factor

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

Car Insurance Premiums by Age in Carlstadt

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Carlstadt,NJ

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

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 Carlstadt

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

Carlstadt Car Insurance Rates by Violation

Carlstadt auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Carlstadt after a DUI

Carlstadt car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Carlstadt after Speeding ticket

Car Insurance Price Trends in Carlstadt, New Jersey

Average Car Insurance Cost in Carlstadt by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Carlstadt, NJ

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

Featured Blogs

Data Sources