Cheapest Car Insurance Quotes in Clifton

Finding the cheapest car insurance quotes in Clifton 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

Clifton Car Insurance

^$ 78

/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 Clifton

The car insurance rate in Clifton is $1481 for a six-month policy, which is $359 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1019, making it a popular choice for budget-conscious drivers. Rates in Clifton 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 Clifton

$1481

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Clifton

1st place: New Jersey Manufacturers

At $1019 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 $1216 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 $1232 for six months, making it the third cheapest auto insurance company in Clifton.

Clifton Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Clifton, NJ is New Jersey Manufacturers, offering policies at just $1019 for a six-month term. This is followed by NJM, which has an average six-month premium of $1216.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1341 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Clifton drivers find the best deals.

Cheap Car Insurance Companies in Clifton, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1019	$173
NJM	$1216	$205
New Jersey Skylands Insurance	$1232	$210
Progressive	$1246	$210
Plymouth Rock	$1325	$223
Allstate	$1498	$252
Travelers	$1544	$260
State Farm	$1646	$277
Amica Mutual	$1725	$293
Selective	$1795	$300
Farmers	$2187	$372
National General	$1341	$228

Key Takeaways

Way's key takeaways about car insurance in Clifton

The auto insurance costs in Clifton fall around $1019 for six months.
The cheapest auto insurance company in Clifton is New Jersey Manufacturers.
Teen drivers pay the highest rate in Clifton at $1393 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 Clifton

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 Clifton are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Clifton. Their Average 6 Month Premium is $470. National General is the most expensive at $494 for the same period.

Cheapest Liability Coverage in Clifton, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$470	$78
Plymouth Rock	$589	$99
Progressive	$589	$99
NJM	$635	$107
New Jersey Skylands Insurance	$690	$115
State Farm	$698	$117
Amica Mutual	$706	$117
Travelers	$706	$119
Amica	$808	$135
Selective	$854	$145
Allstate	$878	$148
Farmers	$1419	$242
National General	$494	$84

Cheapest Full Coverage Car Insurance in Clifton

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 Clifton is New Jersey Manufacturers at $173 per month and $1019 for six months.

Cheapest Full Coverage Car Insurance Quotes in Clifton, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1019	$173
NJM	$1216	$205
New Jersey Skylands Insurance	$1232	$210
Progressive	$1246	$210
Plymouth Rock	$1325	$223
Allstate	$1498	$252
Travelers	$1544	$260
State Farm	$1646	$277
Amica Mutual	$1725	$293
Selective	$1795	$300
Farmers	$2187	$372
National General	$1341	$228

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Clifton Instantly!

Average Car Insurance in Clifton 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 Clifton, NJ increasing?

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

Car Insurance Premiums by Age in Clifton

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	$1012
30s	NJM	$787
40s	NJM	$729
50s	NJM	$672
60s	NJM	$619

Cheapest Car Insurance Rates for Teen Drivers in Clifton,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 Clifton at $120 per month. At $8193 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	$706	$120
Selective	$886	$148
NJM	$1349	$227
New Jersey Manufacturers	$2336	$389
Travelers	$3270	$550
Plymouth Rock	$3505	$590
Allstate	$3513	$591
Progressive	$3827	$644
Amica Mutual	$4132	$702
State Farm	$4532	$763
Farmers	$8193	$1393

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 Clifton.

As young drivers face the highest rates in Clifton, NJM offers the cheapest auto insurance rates at $1012 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 Clifton, Amica Mutual is the cheapest car insurance provider. At $862 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 Clifton is Farmers, offering rates of around $7401 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$862	$147
New Jersey Skylands Insurance	$1082	$181
Foremost	$1208	$206
NJM	$1459	$246
Progressive	$1474	$248
Plymouth Rock	$1913	$322
Allstate	$3270	$556
Travelers	$4704	$784
State Farm	$7158	$1217
Farmers	$7401	$1234

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Clifton

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

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

The cheapest car insurance companies after an at-fault accident in Clifton include New Jersey Skylands Insurance and NJM, offering $832 and $854, respectively. National General is an expensive provider with an average six-month premium of $573.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$832	$139
NJM	$854	$144
New Jersey Manufacturers	$1074	$180
Plymouth Rock	$1082	$182
Selective	$1246	$207
Amica Mutual	$1333	$224
Progressive	$1662	$280
State Farm	$2541	$428
Travelers	$2681	$451
Allstate	$3740	$630
Farmers	$6750	$1125
National General	$573	$95

Clifton Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Clifton NJ. For example, the car insurance in Clifton after a DUI increases to $1663 for a six month policy. While the rate increases by $228 for a six-month policy in the case of a speeding ticket.

Clifton auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1529	$255
One Med/PIP claim	$1536	$261
Not-at-fault accident	$1608	$268
One comp claim	$1624	$276
Two Med/PIP claims	$1632	$272
Speeding 6 - 10 MPH over limit	$1757	$298
Speeding 11 - 15 MPH over limit	$1765	$294
Two comp claims	$1765	$300
Failure to show documents	$1787	$298
At-fault accident - less than $1000	$1811	$308
Failure to wear a seat belt	$1835	$306
Driving too slowly	$1843	$313
Driving without lights	$1851	$309
Child safety restraint	$1882	$319
Driving with expired registration	$1882	$314
Wrong way/wrong lane	$1913	$325
Failure to yield	$1921	$321
Failure to stop at a red light	$1929	$327
Illegal turn	$1960	$327
Cell phone violation	$1984	$338
Texting while driving	$1984	$330
Speeding in school zone	$2016	$343
Operating a vehicle without permission	$2024	$337
Speeding 16 - 20 MPH over limit	$2024	$345
Improper passing	$2070	$345
Following too closely	$2078	$354
Passing school bus	$2163	$360
In 65 MPH zone	$2179	$371
Speeding 21 - 25 MPH over limit	$2251	$375
At-fault accident - $1000-$2000	$2313	$393
At-fault accident - greater than $2000	$2328	$388
Open container	$2603	$442
Reckless driving	$3051	$508
Leaving scene of an accident/hit and run	$3168	$539
DUI	$3192	$532
Refusal to submit to a chemical test	$3192	$543
Racing	$3200	$533
Driving with a suspended license	$3325	$565

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 Clifton 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 Clifton.

The cheapest car insurance premiums in Clifton are offered by Plymouth Rock at $933 for a six-month policy. However, it can be as expensive as $6814 with companies like Amica Mutual.

Clifton car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$933	$157
NJM	$1027	$173
Foremost	$1059	$180
Progressive	$1192	$201
Mercury	$1224	$209
New Jersey Manufacturers	$1317	$219
Selective	$1395	$238
Allstate	$1992	$335
Travelers	$2078	$350
State Farm	$6061	$1020
Farmers	$6712	$1142
Amica Mutual	$6814	$1135

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 Clifton are offered by Plymouth Rock at $854. However, it can be as expensive as $3089 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Clifton after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$854	$144
NJM	$1082	$182
Progressive	$1224	$206
State Farm	$1733	$294
Allstate	$2619	$437
Travelers	$2752	$469
Farmers	$3089	$515

Car Insurance Price Trends in Clifton, New Jersey

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

The average cost of full coverage in the Clifton rose by $325 in December compared to $321 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 Clifton rose to $114 in December, compared to $110 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

Average Car Insurance Cost in Clifton 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 Clifton. At $2177 for a six-month policy, insuring your car at 7011 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
7011	$2177	$366
7013	$1940	$326
7012	$1703	$286
7014	$1569	$264

Frequently Asked Questions

How much is car insurance in Clifton?

The car insurance in Clifton is $78 per month, which is lower than the national average.

What is the cheapest car insurance in Clifton?

The cheapest car insurance in Clifton is $173 per month for full coverage.

How much is car insurance in Clifton for teenagers?

Car insurance for teenagers costs $706 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 Clifton?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $249 per month to insure your car in Clifton.

Is car insurance expensive in Clifton?

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

Cheapest Car Insurance Quotes in Clifton

Why you can trust Way?

How Much Is Car Insurance in Clifton

Avg. Car Insurance in Clifton

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Clifton

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Clifton Car Insurance Rates by Company

Cheap Car Insurance Companies in Clifton, NJ

Way's key takeaways about car insurance in Clifton

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Clifton

Cheapest Liability Coverage in Clifton, NJ

Cheapest Full Coverage Car Insurance in Clifton

Cheapest Full Coverage Car Insurance Quotes in Clifton, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Clifton by Rating Factor

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

Car Insurance Premiums by Age in Clifton

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Clifton,NJ

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

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 Clifton

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

Clifton Car Insurance Rates by Violation

Clifton auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Clifton after a DUI

Clifton car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Clifton after Speeding ticket

Car Insurance Price Trends in Clifton, New Jersey

Average Car Insurance Cost in Clifton by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Clifton, NJ

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

Featured Blogs

Data Sources