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Finding the cheapest car insurance quotes in Chatham 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 Chatham
The car insurance rate in Chatham 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 Chatham 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 $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 Chatham.
Chatham Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Chatham, 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 Chatham drivers find the best deals.
Way's key takeaways about car insurance in Chatham
The auto insurance costs in Chatham fall around $679 for six
months.
The cheapest auto insurance company in Chatham is New Jersey Manufacturers.
Teen drivers pay the highest rate in Chatham 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 Chatham
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 Chatham are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Chatham. Their Average 6 Month Premium is $313.
Farmers is the most
expensive at $905 for the same
period.
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 Chatham is New Jersey Manufacturers
at $114 per month and $679
for six months.
Cheapest Full Coverage Car Insurance Quotes in Chatham,
NJ
Get Your Car Insurance Quote in Chatham
Instantly!
Average Car Insurance in Chatham 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 Chatham, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Chatham, 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, Chatham's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Chatham
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
Chatham,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 Chatham at $80
per
month. At $5416 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 Chatham.
As young drivers face the highest rates in Chatham, 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 Chatham,
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
Chatham is State Farm, offering
rates of around $6362 for six
months.
Save up to $971/yr on car insurance rates in Chatham.
Car Insurance Rates with An Accident in Chatham
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 Chatham, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Chatham
The cheapest car insurance companies after an at-fault accident in
Chatham 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.
Here is a list of driving violations that can increase your car
insurance rates in Chatham NJ. For example, the car
insurance in Chatham
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.
Chatham 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 Chatham 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 Chatham.
The cheapest car insurance premiums in
Chatham 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.
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 Chatham 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 Chatham after Speeding ticket
Car insurance rates in Chatham have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Chatham 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 Chatham rose to $85 in January,
compared to $76 in December.
This represents an increase of $9
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Chatham. At $2178 for a
six-month policy, insuring
your car at 7928 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Chatham?
The car insurance in Chatham is $54 per month, which is lower than the national average.
What is the cheapest car insurance in Chatham?
The cheapest car insurance in Chatham
is $114 per month
for full coverage.
How much is car insurance in Chatham 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
Chatham?
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 Chatham.
Is car insurance expensive in Chatham?
Car insurance can be expensive in Chatham if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Chatham can be
affordable.
What is the best car insurance in Chatham,
NJ?
The best car insurance company in Chatham
NJ is
New Jersey Manufacturers, offering $679 for a
six-month policy.
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Chatham Car Insurance
