Cheapest Car Insurance Quotes in Cranford

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Cranford Car Insurance

^$ 61

/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 Cranford

The car insurance rate in Cranford is $1238 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $772, making it a popular choice for budget-conscious drivers. Rates in Cranford 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 Cranford

$1238

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Cranford

1st place: New Jersey Manufacturers

At $772 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 $933 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $944 for six months, making it the third cheapest auto insurance company in Cranford.

Cranford Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cranford, NJ is New Jersey Manufacturers, offering policies at just $772 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $933.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cranford drivers find the best deals.

Cheap Car Insurance Companies in Cranford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$772	$129
New Jersey Skylands Insurance	$933	$159
NJM	$944	$159
Plymouth Rock	$1028	$173
Progressive	$1081	$182
Travelers	$1152	$194
Amica Mutual	$1307	$218
Allstate	$1348	$227
State Farm	$1455	$245
Selective	$1538	$259
Farmers	$2061	$344

Key Takeaways

Way's key takeaways about car insurance in Cranford

The auto insurance costs in Cranford fall around $772 for six months.
The cheapest auto insurance company in Cranford is New Jersey Manufacturers.
Teen drivers pay the highest rate in Cranford at $1046 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 Cranford

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 Cranford are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Cranford. Their Average 6 Month Premium is $356. Farmers is the most expensive at $1028 for the same period.

Cheapest Liability Coverage in Cranford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$356	$61
Plymouth Rock	$481	$81
NJM	$493	$83
New Jersey Skylands Insurance	$523	$87
Amica Mutual	$535	$91
Amica	$612	$102
Progressive	$612	$103
Travelers	$630	$106
State Farm	$659	$111
Allstate	$731	$123
Selective	$814	$137
Farmers	$1028	$171

Cheapest Full Coverage Car Insurance in Cranford

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 Cranford is New Jersey Manufacturers at $129 per month and $772 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cranford, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$772	$129
New Jersey Skylands Insurance	$933	$159
NJM	$944	$159
Plymouth Rock	$1028	$173
Progressive	$1081	$182
Travelers	$1152	$194
Amica Mutual	$1307	$218
Allstate	$1348	$227
State Farm	$1455	$245
Selective	$1538	$259
Farmers	$2061	$344

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Average Car Insurance in Cranford 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 Cranford, NJ increasing?

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

Car Insurance Premiums by Age in Cranford

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	$767
30s	NJM	$596
40s	NJM	$552
50s	NJM	$509
60s	NJM	$469

Cheapest Car Insurance Rates for Teen Drivers in Cranford,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 Cranford at $91 per month. At $6154 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	$535	$91
NJM	$1069	$180
New Jersey Manufacturers	$1770	$301
Travelers	$2495	$420
Selective	$2703	$455
Plymouth Rock	$2804	$472
Amica Mutual	$3130	$532
Allstate	$3398	$572
Progressive	$3433	$578
State Farm	$4069	$685
Farmers	$6154	$1046

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 Cranford.

As young drivers face the highest rates in Cranford, NJM offers the cheapest auto insurance rates at $767 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 Cranford, Amica Mutual is the cheapest car insurance provider. At $653 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 Cranford is State Farm, offering rates of around $7229 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$653	$111
New Jersey Skylands Insurance	$820	$137
Foremost	$915	$156
NJM	$1146	$193
Progressive	$1473	$248
Plymouth Rock	$1521	$256
Farmers	$2732	$465
Selective	$3160	$527
Travelers	$3374	$574
Allstate	$3534	$589
State Farm	$7229	$1229

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Car Insurance Rates with An Accident in Cranford

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

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

The cheapest car insurance companies after an at-fault accident in Cranford include New Jersey Skylands Insurance and NJM, offering $630 and $671, respectively. Farmers is an expensive provider with an average six-month premium of $3992.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$630	$105
NJM	$671	$113
New Jersey Manufacturers	$814	$136
Plymouth Rock	$849	$143
Amica Mutual	$1010	$170
Progressive	$1420	$239
Selective	$1925	$324
Travelers	$1972	$332
State Farm	$2281	$384
Allstate	$3564	$600
Farmers	$3992	$665

Cranford Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cranford NJ. For example, the car insurance in Cranford after a DUI increases to $1260 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Cranford auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1158	$193
One Med/PIP claim	$1164	$198
Not-at-fault accident	$1218	$203
One comp claim	$1230	$209
Two Med/PIP claims	$1236	$206
Speeding 6 - 10 MPH over limit	$1331	$226
Speeding 11 - 15 MPH over limit	$1337	$223
Two comp claims	$1337	$227
Failure to show documents	$1354	$226
At-fault accident - less than $1000	$1372	$233
Failure to wear a seat belt	$1390	$232
Driving too slowly	$1396	$237
Driving without lights	$1402	$234
Child safety restraint	$1426	$242
Driving with expired registration	$1426	$238
Wrong way/wrong lane	$1449	$246
Failure to yield	$1455	$243
Failure to stop at a red light	$1461	$248
Illegal turn	$1485	$248
Cell phone violation	$1503	$256
Texting while driving	$1503	$250
Speeding in school zone	$1527	$260
Operating a vehicle without permission	$1533	$255
Speeding 16 - 20 MPH over limit	$1533	$261
Improper passing	$1568	$261
Following too closely	$1574	$268
Passing school bus	$1639	$273
In 65 MPH zone	$1651	$281
Speeding 21 - 25 MPH over limit	$1705	$284
At-fault accident - $1000-$2000	$1752	$298
At-fault accident - greater than $2000	$1764	$294
Open container	$1972	$335
Reckless driving	$2311	$385
Leaving scene of an accident/hit and run	$2400	$408
DUI	$2418	$403
Refusal to submit to a chemical test	$2418	$411
Racing	$2424	$404
Driving with a suspended license	$2519	$428

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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 Cranford 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 Cranford.

The cheapest car insurance premiums in Cranford are offered by Plymouth Rock at $731 for a six-month policy. However, it can be as expensive as $5459 with companies like State Farm.

Cranford car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$731	$123
Foremost	$802	$134
NJM	$808	$136
Mercury	$927	$154
New Jersey Manufacturers	$998	$170
Progressive	$1016	$171
Travelers	$1533	$258
Allstate	$1835	$309
Selective	$2257	$380
Farmers	$2602	$434
Amica Mutual	$5162	$878
State Farm	$5459	$919

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 Cranford are offered by Plymouth Rock at $677. However, it can be as expensive as $3493 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Cranford after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$677	$114
NJM	$861	$145
Progressive	$1188	$200
Selective	$1711	$285
State Farm	$1734	$295
Travelers	$1990	$332
Allstate	$2899	$493
Farmers	$3493	$582

Car Insurance Price Trends in Cranford, New Jersey

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

The average cost of full coverage in the Cranford rose by $290 in January compared to $246 of December. In other words, there has been an increase by $44 when you compare January and December.

The average cost of liability insurance in the Cranford rose to $97 in January, compared to $86 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Cranford?

The car insurance in Cranford is $61 per month, which is lower than the national average.

What is the cheapest car insurance in Cranford?

The cheapest car insurance in Cranford is $129 per month for full coverage.

How much is car insurance in Cranford for teenagers?

Car insurance for teenagers costs $535 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 Cranford?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $208 per month to insure your car in Cranford.

Is car insurance expensive in Cranford?

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

Cheapest Car Insurance Quotes in Cranford

Why you can trust Way?

How Much Is Car Insurance in Cranford

Avg. Car Insurance in Cranford

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Cranford

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Cranford Car Insurance Rates by Company

Cheap Car Insurance Companies in Cranford, NJ

Way's key takeaways about car insurance in Cranford

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cranford

Cheapest Liability Coverage in Cranford, NJ

Cheapest Full Coverage Car Insurance in Cranford

Cheapest Full Coverage Car Insurance Quotes in Cranford, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cranford by Rating Factor

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

Car Insurance Premiums by Age in Cranford

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cranford,NJ

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

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 Cranford

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

Cranford Car Insurance Rates by Violation

Cranford auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cranford after a DUI

Cranford car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cranford after Speeding ticket

Car Insurance Price Trends in Cranford, New Jersey

Average Car Insurance Cost in Cranford by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cranford, NJ

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

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