Cheapest Car Insurance Quotes in Dumont

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Dumont Car Insurance

^$ 63

/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 Dumont

The car insurance rate in Dumont is $1201 for a six-month policy, which is $79 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $826, making it a popular choice for budget-conscious drivers. Rates in Dumont 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 Dumont

$1201

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Dumont

1st place: New Jersey Manufacturers

At $826 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 $985 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 $998 for six months, making it the third cheapest auto insurance company in Dumont.

Dumont Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dumont, NJ is New Jersey Manufacturers, offering policies at just $826 for a six-month term. This is followed by NJM, which has an average six-month premium of $985.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1087 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dumont drivers find the best deals.

Cheap Car Insurance Companies in Dumont, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$826	$140
NJM	$985	$166
New Jersey Skylands Insurance	$998	$170
Progressive	$1010	$170
Plymouth Rock	$1074	$181
Allstate	$1214	$204
Travelers	$1252	$211
State Farm	$1334	$225
Amica Mutual	$1398	$238
Selective	$1455	$243
Farmers	$1773	$302
National General	$1087	$185

Key Takeaways

Way's key takeaways about car insurance in Dumont

The auto insurance costs in Dumont fall around $826 for six months.
The cheapest auto insurance company in Dumont is New Jersey Manufacturers.
Teen drivers pay the highest rate in Dumont at $1129 per month.

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Cheapest Minimum Liability Car Insurance in Dumont

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 Dumont are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Dumont. Their Average 6 Month Premium is $381. National General is the most expensive at $400 for the same period.

Cheapest Liability Coverage in Dumont, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$381	$63
Plymouth Rock	$477	$80
Progressive	$477	$80
NJM	$515	$87
New Jersey Skylands Insurance	$560	$93
State Farm	$566	$95
Amica Mutual	$572	$95
Travelers	$572	$96
Amica	$655	$109
Selective	$692	$118
Allstate	$712	$120
Farmers	$1150	$196
National General	$400	$68

Cheapest Full Coverage Car Insurance in Dumont

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 Dumont is New Jersey Manufacturers at $140 per month and $826 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dumont, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$826	$140
NJM	$985	$166
New Jersey Skylands Insurance	$998	$170
Progressive	$1010	$170
Plymouth Rock	$1074	$181
Allstate	$1214	$204
Travelers	$1252	$211
State Farm	$1334	$225
Amica Mutual	$1398	$238
Selective	$1455	$243
Farmers	$1773	$302
National General	$1087	$185

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Average Car Insurance in Dumont 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 Dumont, NJ increasing?

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

Car Insurance Premiums by Age in Dumont

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	$821
30s	NJM	$638
40s	NJM	$591
50s	NJM	$545
60s	NJM	$502

Cheapest Car Insurance Rates for Teen Drivers in Dumont,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 Dumont at $97 per month. At $6641 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	$572	$97
Selective	$718	$120
NJM	$1094	$184
New Jersey Manufacturers	$1894	$316
Travelers	$2650	$446
Plymouth Rock	$2841	$478
Allstate	$2847	$479
Progressive	$3102	$522
Amica Mutual	$3349	$569
State Farm	$3673	$618
Farmers	$6641	$1129

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 Dumont.

As young drivers face the highest rates in Dumont, NJM offers the cheapest auto insurance rates at $821 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 Dumont, Amica Mutual is the cheapest car insurance provider. At $699 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 Dumont is Farmers, offering rates of around $5999 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$699	$119
New Jersey Skylands Insurance	$877	$147
Foremost	$979	$167
NJM	$1182	$199
Progressive	$1195	$201
Plymouth Rock	$1550	$261
Allstate	$2650	$450
Travelers	$3813	$636
State Farm	$5803	$987
Farmers	$5999	$1000

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Car Insurance Rates with An Accident in Dumont

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

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

The cheapest car insurance companies after an at-fault accident in Dumont include New Jersey Skylands Insurance and NJM, offering $674 and $692, respectively. National General is an expensive provider with an average six-month premium of $464.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$674	$112
NJM	$692	$117
New Jersey Manufacturers	$871	$146
Plymouth Rock	$877	$148
Selective	$1010	$168
Amica Mutual	$1081	$182
Progressive	$1347	$227
State Farm	$2060	$347
Travelers	$2173	$366
Allstate	$3031	$510
Farmers	$5472	$912
National General	$464	$77

Dumont Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dumont NJ. For example, the car insurance in Dumont after a DUI increases to $1348 for a six month policy. While the rate increases by $185 for a six-month policy in the case of a speeding ticket.

Dumont auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1239	$207
One Med/PIP claim	$1245	$212
Not-at-fault accident	$1303	$217
One comp claim	$1316	$224
Two Med/PIP claims	$1323	$220
Speeding 6 - 10 MPH over limit	$1424	$242
Speeding 11 - 15 MPH over limit	$1431	$239
Two comp claims	$1431	$243
Failure to show documents	$1449	$242
At-fault accident - less than $1000	$1468	$249
Failure to wear a seat belt	$1487	$248
Driving too slowly	$1494	$254
Driving without lights	$1500	$250
Child safety restraint	$1526	$259
Driving with expired registration	$1526	$255
Wrong way/wrong lane	$1550	$263
Failure to yield	$1557	$260
Failure to stop at a red light	$1563	$265
Illegal turn	$1589	$265
Cell phone violation	$1608	$274
Texting while driving	$1608	$268
Speeding in school zone	$1634	$278
Operating a vehicle without permission	$1640	$273
Speeding 16 - 20 MPH over limit	$1640	$279
Improper passing	$1678	$279
Following too closely	$1684	$287
Passing school bus	$1754	$292
In 65 MPH zone	$1767	$301
Speeding 21 - 25 MPH over limit	$1824	$304
At-fault accident - $1000-$2000	$1875	$319
At-fault accident - greater than $2000	$1887	$315
Open container	$2110	$358
Reckless driving	$2473	$412
Leaving scene of an accident/hit and run	$2568	$437
DUI	$2587	$431
Refusal to submit to a chemical test	$2587	$440
Racing	$2594	$432
Driving with a suspended license	$2695	$458

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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 Dumont 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 Dumont.

The cheapest car insurance premiums in Dumont are offered by Plymouth Rock at $756 for a six-month policy. However, it can be as expensive as $5523 with companies like Amica Mutual.

Dumont car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$756	$127
NJM	$832	$140
Foremost	$858	$146
Progressive	$966	$163
Mercury	$992	$169
New Jersey Manufacturers	$1068	$178
Selective	$1131	$193
Allstate	$1615	$272
Travelers	$1684	$284
State Farm	$4913	$827
Farmers	$5441	$926
Amica Mutual	$5523	$920

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 Dumont are offered by Plymouth Rock at $692. However, it can be as expensive as $2504 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dumont after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$692	$117
NJM	$877	$148
Progressive	$992	$167
State Farm	$1405	$239
Allstate	$2123	$354
Travelers	$2231	$380
Farmers	$2504	$417

Car Insurance Price Trends in Dumont, New Jersey

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

The average cost of full coverage in the Dumont rose by $263 in December compared to $260 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Dumont rose to $92 in December, compared to $89 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Dumont?

The car insurance in Dumont is $63 per month, which is lower than the national average.

What is the cheapest car insurance in Dumont?

The cheapest car insurance in Dumont is $140 per month for full coverage.

How much is car insurance in Dumont for teenagers?

Car insurance for teenagers costs $572 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 Dumont?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $202 per month to insure your car in Dumont.

Is car insurance expensive in Dumont?

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

Cheapest Car Insurance Quotes in Dumont

Why you can trust Way?

How Much Is Car Insurance in Dumont

Avg. Car Insurance in Dumont

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Dumont

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Dumont Car Insurance Rates by Company

Cheap Car Insurance Companies in Dumont, NJ

Way's key takeaways about car insurance in Dumont

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dumont

Cheapest Liability Coverage in Dumont, NJ

Cheapest Full Coverage Car Insurance in Dumont

Cheapest Full Coverage Car Insurance Quotes in Dumont, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dumont by Rating Factor

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

Car Insurance Premiums by Age in Dumont

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dumont,NJ

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

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 Dumont

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

Dumont Car Insurance Rates by Violation

Dumont auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dumont after a DUI

Dumont car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dumont after Speeding ticket

Car Insurance Price Trends in Dumont, New Jersey

Average Car Insurance Cost in Dumont by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dumont, NJ

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

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