Cheapest Car Insurance Quotes in Cedar Knolls

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Cedar Knolls Car Insurance

^$ 54

/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 Cedar Knolls

The car insurance rate in Cedar Knolls is $1089 for a six-month policy, which is $149 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $679, making it a popular choice for budget-conscious drivers. Rates in Cedar Knolls 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 Cedar Knolls

$1089

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Cedar Knolls

1st place: New Jersey Manufacturers

At $679 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 $821 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $831 for six months, making it the third cheapest auto insurance company in Cedar Knolls.

Cedar Knolls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Knolls, NJ is New Jersey Manufacturers, offering policies at just $679 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $821.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1814 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Knolls drivers find the best deals.

Cheap Car Insurance Companies in Cedar Knolls, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$679	$114
New Jersey Skylands Insurance	$821	$140
NJM	$831	$140
Plymouth Rock	$905	$152
Progressive	$951	$160
Travelers	$1014	$171
Amica Mutual	$1150	$192
Allstate	$1186	$200
State Farm	$1280	$216
Selective	$1353	$228
Farmers	$1814	$303

Key Takeaways

Way's key takeaways about car insurance in Cedar Knolls

The auto insurance costs in Cedar Knolls fall around $679 for six months.
The cheapest auto insurance company in Cedar Knolls is New Jersey Manufacturers.
Teen drivers pay the highest rate in Cedar Knolls at $920 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 Cedar Knolls

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 Cedar Knolls are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Cedar Knolls. Their Average 6 Month Premium is $313. Farmers is the most expensive at $905 for the same period.

Cheapest Liability Coverage in Cedar Knolls, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$313	$54
Plymouth Rock	$423	$71
NJM	$434	$73
New Jersey Skylands Insurance	$460	$77
Amica Mutual	$471	$80
Amica	$539	$90
Progressive	$539	$91
Travelers	$554	$93
State Farm	$580	$98
Allstate	$643	$108
Selective	$716	$121
Farmers	$905	$150

Cheapest Full Coverage Car Insurance in Cedar Knolls

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 Cedar Knolls is New Jersey Manufacturers at $114 per month and $679 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Knolls, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$679	$114
New Jersey Skylands Insurance	$821	$140
NJM	$831	$140
Plymouth Rock	$905	$152
Progressive	$951	$160
Travelers	$1014	$171
Amica Mutual	$1150	$192
Allstate	$1186	$200
State Farm	$1280	$216
Selective	$1353	$228
Farmers	$1814	$303

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Average Car Insurance in Cedar Knolls 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 Cedar Knolls, NJ increasing?

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

Car Insurance Premiums by Age in Cedar Knolls

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	$675
30s	NJM	$524
40s	NJM	$486
50s	NJM	$448
60s	NJM	$413

Cheapest Car Insurance Rates for Teen Drivers in Cedar Knolls,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 Cedar Knolls at $80 per month. At $5416 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	$471	$80
NJM	$941	$158
New Jersey Manufacturers	$1558	$265
Travelers	$2196	$370
Selective	$2379	$400
Plymouth Rock	$2468	$415
Amica Mutual	$2754	$468
Allstate	$2990	$503
Progressive	$3021	$509
State Farm	$3581	$603
Farmers	$5416	$920

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 Cedar Knolls.

As young drivers face the highest rates in Cedar Knolls, NJM offers the cheapest auto insurance rates at $675 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 Cedar Knolls, Amica Mutual is the cheapest car insurance provider. At $575 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 Cedar Knolls is State Farm, offering rates of around $6362 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$575	$98
New Jersey Skylands Insurance	$722	$121
Foremost	$805	$137
NJM	$1008	$170
Progressive	$1296	$218
Plymouth Rock	$1338	$225
Farmers	$2404	$409
Selective	$2781	$464
Travelers	$2969	$505
Allstate	$3110	$518
State Farm	$6362	$1082

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Cedar Knolls

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Knolls

The cheapest car insurance companies after an at-fault accident in Cedar Knolls include New Jersey Skylands Insurance and NJM, offering $554 and $590, respectively. Farmers is an expensive provider with an average six-month premium of $3513.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$554	$92
NJM	$590	$99
New Jersey Manufacturers	$716	$120
Plymouth Rock	$747	$126
Amica Mutual	$889	$150
Progressive	$1250	$210
Selective	$1694	$285
Travelers	$1735	$292
State Farm	$2007	$338
Allstate	$3136	$528
Farmers	$3513	$585

Cedar Knolls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Knolls NJ. For example, the car insurance in Cedar Knolls after a DUI increases to $1109 for a six month policy. While the rate increases by $152 for a six-month policy in the case of a speeding ticket.

Cedar Knolls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1019	$170
One Med/PIP claim	$1024	$174
Not-at-fault accident	$1072	$179
One comp claim	$1082	$184
Two Med/PIP claims	$1088	$181
Speeding 6 - 10 MPH over limit	$1171	$199
Speeding 11 - 15 MPH over limit	$1177	$196
Two comp claims	$1177	$200
Failure to show documents	$1192	$199
At-fault accident - less than $1000	$1207	$205
Failure to wear a seat belt	$1223	$204
Driving too slowly	$1228	$209
Driving without lights	$1234	$206
Child safety restraint	$1255	$213
Driving with expired registration	$1255	$209
Wrong way/wrong lane	$1275	$216
Failure to yield	$1280	$214
Failure to stop at a red light	$1286	$218
Illegal turn	$1307	$218
Cell phone violation	$1323	$225
Texting while driving	$1323	$220
Speeding in school zone	$1344	$229
Operating a vehicle without permission	$1349	$224
Speeding 16 - 20 MPH over limit	$1349	$230
Improper passing	$1380	$230
Following too closely	$1385	$236
Passing school bus	$1442	$240
In 65 MPH zone	$1453	$247
Speeding 21 - 25 MPH over limit	$1500	$250
At-fault accident - $1000-$2000	$1542	$262
At-fault accident - greater than $2000	$1552	$259
Open container	$1735	$295
Reckless driving	$2034	$339
Leaving scene of an accident/hit and run	$2112	$359
DUI	$2128	$355
Refusal to submit to a chemical test	$2128	$362
Racing	$2133	$356
Driving with a suspended license	$2217	$377

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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 Cedar Knolls 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 Cedar Knolls.

The cheapest car insurance premiums in Cedar Knolls are offered by Plymouth Rock at $643 for a six-month policy. However, it can be as expensive as $4804 with companies like State Farm.

Cedar Knolls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$643	$108
Foremost	$706	$118
NJM	$711	$120
Mercury	$816	$136
New Jersey Manufacturers	$878	$150
Progressive	$894	$150
Travelers	$1349	$227
Allstate	$1615	$272
Selective	$1986	$334
Farmers	$2290	$382
Amica Mutual	$4543	$773
State Farm	$4804	$809

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 Cedar Knolls are offered by Plymouth Rock at $596. However, it can be as expensive as $3074 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cedar Knolls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$596	$100
NJM	$758	$128
Progressive	$1045	$176
Selective	$1506	$251
State Farm	$1526	$260
Travelers	$1751	$292
Allstate	$2551	$434
Farmers	$3074	$512

Car Insurance Price Trends in Cedar Knolls, New Jersey

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

The average cost of full coverage in the Cedar Knolls rose by $255 in January compared to $216 of December. In other words, there has been an increase by $39 when you compare January and December.

The average cost of liability insurance in the Cedar Knolls rose to $85 in January, compared to $76 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cedar Knolls?

The car insurance in Cedar Knolls is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Cedar Knolls?

The cheapest car insurance in Cedar Knolls is $114 per month for full coverage.

How much is car insurance in Cedar Knolls for teenagers?

Car insurance for teenagers costs $471 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 Cedar Knolls?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $183 per month to insure your car in Cedar Knolls.

Is car insurance expensive in Cedar Knolls?

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

Cheapest Car Insurance Quotes in Cedar Knolls

Why you can trust Way?

How Much Is Car Insurance in Cedar Knolls

Avg. Car Insurance in Cedar Knolls

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Cedar Knolls

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Cedar Knolls Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedar Knolls, NJ

Way's key takeaways about car insurance in Cedar Knolls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedar Knolls

Cheapest Liability Coverage in Cedar Knolls, NJ

Cheapest Full Coverage Car Insurance in Cedar Knolls

Cheapest Full Coverage Car Insurance Quotes in Cedar Knolls, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedar Knolls by Rating Factor

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

Car Insurance Premiums by Age in Cedar Knolls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedar Knolls,NJ

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

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 Cedar Knolls

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Knolls

Cedar Knolls Car Insurance Rates by Violation

Cedar Knolls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedar Knolls after a DUI

Cedar Knolls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedar Knolls after Speeding ticket

Car Insurance Price Trends in Cedar Knolls, New Jersey

Average Car Insurance Cost in Cedar Knolls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedar Knolls, NJ

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

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