Cheapest Car Insurance Quotes in Cliffside Park

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Cliffside Park Car Insurance

^$ 81

/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 Cliffside Park

The car insurance rate in Cliffside Park is $1548 for a six-month policy, which is $426 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1065, making it a popular choice for budget-conscious drivers. Rates in Cliffside Park 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 Cliffside Park

$1548

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Cliffside Park

1st place: New Jersey Manufacturers

At $1065 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 $1271 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 $1288 for six months, making it the third cheapest auto insurance company in Cliffside Park.

Cliffside Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cliffside Park, NJ is New Jersey Manufacturers, offering policies at just $1065 for a six-month term. This is followed by NJM, which has an average six-month premium of $1271.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1402 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cliffside Park drivers find the best deals.

Cheap Car Insurance Companies in Cliffside Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1065	$181
NJM	$1271	$214
New Jersey Skylands Insurance	$1288	$219
Progressive	$1303	$219
Plymouth Rock	$1386	$233
Allstate	$1566	$264
Travelers	$1615	$272
State Farm	$1721	$290
Amica Mutual	$1804	$306
Selective	$1877	$313
Farmers	$2287	$389
National General	$1402	$239

Key Takeaways

Way's key takeaways about car insurance in Cliffside Park

The auto insurance costs in Cliffside Park fall around $1065 for six months.
The cheapest auto insurance company in Cliffside Park is New Jersey Manufacturers.
Teen drivers pay the highest rate in Cliffside Park at $1456 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Cliffside Park

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 Cliffside Park are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Cliffside Park. Their Average 6 Month Premium is $491. National General is the most expensive at $516 for the same period.

Cheapest Liability Coverage in Cliffside Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$491	$81
Plymouth Rock	$615	$103
Progressive	$615	$103
NJM	$664	$112
New Jersey Skylands Insurance	$722	$120
State Farm	$730	$123
Amica Mutual	$738	$123
Travelers	$738	$124
Amica	$845	$141
Selective	$893	$152
Allstate	$918	$155
Farmers	$1483	$253
National General	$516	$88

Cheapest Full Coverage Car Insurance in Cliffside Park

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 Cliffside Park is New Jersey Manufacturers at $181 per month and $1065 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cliffside Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1065	$181
NJM	$1271	$214
New Jersey Skylands Insurance	$1288	$219
Progressive	$1303	$219
Plymouth Rock	$1386	$233
Allstate	$1566	$264
Travelers	$1615	$272
State Farm	$1721	$290
Amica Mutual	$1804	$306
Selective	$1877	$313
Farmers	$2287	$389
National General	$1402	$239

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Average Car Insurance in Cliffside Park 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 Cliffside Park, NJ increasing?

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

Car Insurance Premiums by Age in Cliffside Park

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	$1058
30s	NJM	$822
40s	NJM	$762
50s	NJM	$702
60s	NJM	$647

Cheapest Car Insurance Rates for Teen Drivers in Cliffside Park,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 Cliffside Park at $126 per month. At $8566 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	$738	$126
Selective	$926	$155
NJM	$1410	$237
New Jersey Manufacturers	$2443	$407
Travelers	$3418	$575
Plymouth Rock	$3664	$617
Allstate	$3672	$618
Progressive	$4001	$673
Amica Mutual	$4319	$734
State Farm	$4738	$798
Farmers	$8566	$1456

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 Cliffside Park.

As young drivers face the highest rates in Cliffside Park, NJM offers the cheapest auto insurance rates at $1058 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 Cliffside Park, Amica Mutual is the cheapest car insurance provider. At $901 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 Cliffside Park is Farmers, offering rates of around $7738 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$901	$153
New Jersey Skylands Insurance	$1132	$189
Foremost	$1263	$215
NJM	$1525	$257
Progressive	$1541	$259
Plymouth Rock	$2000	$337
Allstate	$3418	$581
Travelers	$4918	$820
State Farm	$7484	$1272
Farmers	$7738	$1290

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

Car Insurance Rates with An Accident in Cliffside Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Cliffside Park

The cheapest car insurance companies after an at-fault accident in Cliffside Park include New Jersey Skylands Insurance and NJM, offering $869 and $893, respectively. National General is an expensive provider with an average six-month premium of $599.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$869	$145
NJM	$893	$150
New Jersey Manufacturers	$1123	$188
Plymouth Rock	$1132	$190
Selective	$1303	$217
Amica Mutual	$1394	$235
Progressive	$1737	$293
State Farm	$2657	$447
Travelers	$2803	$472
Allstate	$3910	$658
Farmers	$7057	$1176
National General	$599	$99

Cliffside Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cliffside Park NJ. For example, the car insurance in Cliffside Park after a DUI increases to $1739 for a six month policy. While the rate increases by $239 for a six-month policy in the case of a speeding ticket.

Cliffside Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1598	$266
One Med/PIP claim	$1606	$273
Not-at-fault accident	$1681	$280
One comp claim	$1697	$288
Two Med/PIP claims	$1706	$284
Speeding 6 - 10 MPH over limit	$1837	$312
Speeding 11 - 15 MPH over limit	$1845	$308
Two comp claims	$1845	$313
Failure to show documents	$1869	$312
At-fault accident - less than $1000	$1893	$322
Failure to wear a seat belt	$1918	$320
Driving too slowly	$1926	$327
Driving without lights	$1935	$323
Child safety restraint	$1968	$334
Driving with expired registration	$1968	$328
Wrong way/wrong lane	$2000	$339
Failure to yield	$2008	$335
Failure to stop at a red light	$2016	$342
Illegal turn	$2049	$342
Cell phone violation	$2074	$353
Texting while driving	$2074	$345
Speeding in school zone	$2107	$359
Operating a vehicle without permission	$2116	$352
Speeding 16 - 20 MPH over limit	$2116	$360
Improper passing	$2164	$360
Following too closely	$2172	$370
Passing school bus	$2262	$377
In 65 MPH zone	$2278	$388
Speeding 21 - 25 MPH over limit	$2353	$392
At-fault accident - $1000-$2000	$2418	$411
At-fault accident - greater than $2000	$2434	$406
Open container	$2721	$462
Reckless driving	$3189	$531
Leaving scene of an accident/hit and run	$3312	$563
DUI	$3337	$556
Refusal to submit to a chemical test	$3337	$567
Racing	$3345	$558
Driving with a suspended license	$3476	$591

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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 Cliffside Park 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 Cliffside Park.

The cheapest car insurance premiums in Cliffside Park are offered by Plymouth Rock at $976 for a six-month policy. However, it can be as expensive as $7124 with companies like Amica Mutual.

Cliffside Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$976	$164
NJM	$1074	$181
Foremost	$1107	$188
Progressive	$1246	$210
Mercury	$1279	$218
New Jersey Manufacturers	$1377	$229
Selective	$1459	$248
Allstate	$2082	$351
Travelers	$2172	$366
State Farm	$6337	$1067
Farmers	$7017	$1194
Amica Mutual	$7124	$1187

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 Cliffside Park are offered by Plymouth Rock at $893. However, it can be as expensive as $3229 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cliffside Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$893	$150
NJM	$1132	$190
Progressive	$1279	$215
State Farm	$1812	$308
Allstate	$2738	$457
Travelers	$2877	$490
Farmers	$3229	$538

Car Insurance Price Trends in Cliffside Park, New Jersey

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

The average cost of full coverage in the Cliffside Park rose by $339 in December compared to $335 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 Cliffside Park rose to $119 in December, compared to $115 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Cliffside Park?

The car insurance in Cliffside Park is $81 per month, which is lower than the national average.

What is the cheapest car insurance in Cliffside Park?

The cheapest car insurance in Cliffside Park is $181 per month for full coverage.

How much is car insurance in Cliffside Park for teenagers?

Car insurance for teenagers costs $738 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 Cliffside Park?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $261 per month to insure your car in Cliffside Park.

Is car insurance expensive in Cliffside Park?

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

Cheapest Car Insurance Quotes in Cliffside Park

Why you can trust Way?

How Much Is Car Insurance in Cliffside Park

Avg. Car Insurance in Cliffside Park

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Cliffside Park

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Cliffside Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Cliffside Park, NJ

Way's key takeaways about car insurance in Cliffside Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cliffside Park

Cheapest Liability Coverage in Cliffside Park, NJ

Cheapest Full Coverage Car Insurance in Cliffside Park

Cheapest Full Coverage Car Insurance Quotes in Cliffside Park, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cliffside Park by Rating Factor

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

Car Insurance Premiums by Age in Cliffside Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cliffside Park,NJ

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

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 Cliffside Park

Cheapest Car Insurance Companies after an At-Fault Accident in Cliffside Park

Cliffside Park Car Insurance Rates by Violation

Cliffside Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cliffside Park after a DUI

Cliffside Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cliffside Park after Speeding ticket

Car Insurance Price Trends in Cliffside Park, New Jersey

Average Car Insurance Cost in Cliffside Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cliffside Park, NJ

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

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