Cheapest Car Insurance Quotes in Dunellen

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Dunellen Car Insurance

^$ 60

/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 Dunellen

The car insurance rate in Dunellen is $1226 for a six-month policy, which is $12 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $764, making it a popular choice for budget-conscious drivers. Rates in Dunellen 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 Dunellen

$1226

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Dunellen

1st place: New Jersey Manufacturers

At $764 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 $924 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $935 for six months, making it the third cheapest auto insurance company in Dunellen.

Dunellen Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Dunellen, NJ is New Jersey Manufacturers, offering policies at just $764 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $924.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2040 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Dunellen drivers find the best deals.

Cheap Car Insurance Companies in Dunellen, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$764	$128
New Jersey Skylands Insurance	$924	$157
NJM	$935	$157
Plymouth Rock	$1018	$171
Progressive	$1070	$180
Travelers	$1140	$192
Amica Mutual	$1294	$216
Allstate	$1335	$225
State Farm	$1440	$243
Selective	$1523	$256
Farmers	$2040	$341

Key Takeaways

Way's key takeaways about car insurance in Dunellen

The auto insurance costs in Dunellen fall around $764 for six months.
The cheapest auto insurance company in Dunellen is New Jersey Manufacturers.
Teen drivers pay the highest rate in Dunellen at $1036 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 Dunellen

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 Dunellen are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Dunellen. Their Average 6 Month Premium is $352. Farmers is the most expensive at $1018 for the same period.

Cheapest Liability Coverage in Dunellen, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$352	$60
Plymouth Rock	$476	$80
NJM	$488	$82
New Jersey Skylands Insurance	$518	$86
Amica Mutual	$530	$90
Amica	$606	$101
Progressive	$606	$102
Travelers	$624	$105
State Farm	$652	$110
Allstate	$724	$122
Selective	$806	$136
Farmers	$1018	$169

Cheapest Full Coverage Car Insurance in Dunellen

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 Dunellen is New Jersey Manufacturers at $128 per month and $764 for six months.

Cheapest Full Coverage Car Insurance Quotes in Dunellen, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$764	$128
New Jersey Skylands Insurance	$924	$157
NJM	$935	$157
Plymouth Rock	$1018	$171
Progressive	$1070	$180
Travelers	$1140	$192
Amica Mutual	$1294	$216
Allstate	$1335	$225
State Farm	$1440	$243
Selective	$1523	$256
Farmers	$2040	$341

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Average Car Insurance in Dunellen 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 Dunellen, NJ increasing?

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

Car Insurance Premiums by Age in Dunellen

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	$759
30s	NJM	$590
40s	NJM	$546
50s	NJM	$504
60s	NJM	$464

Cheapest Car Insurance Rates for Teen Drivers in Dunellen,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 Dunellen at $90 per month. At $6092 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	$530	$90
NJM	$1058	$178
New Jersey Manufacturers	$1752	$298
Travelers	$2470	$416
Selective	$2676	$450
Plymouth Rock	$2776	$467
Amica Mutual	$3099	$527
Allstate	$3364	$566
Progressive	$3399	$572
State Farm	$4028	$678
Farmers	$6092	$1036

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 Dunellen.

As young drivers face the highest rates in Dunellen, NJM offers the cheapest auto insurance rates at $759 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 Dunellen, Amica Mutual is the cheapest car insurance provider. At $646 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 Dunellen is State Farm, offering rates of around $7157 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$646	$110
New Jersey Skylands Insurance	$812	$136
Foremost	$906	$154
NJM	$1135	$191
Progressive	$1458	$246
Plymouth Rock	$1506	$253
Farmers	$2705	$460
Selective	$3128	$522
Travelers	$3340	$568
Allstate	$3499	$583
State Farm	$7157	$1217

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Car Insurance Rates with An Accident in Dunellen

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

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

The cheapest car insurance companies after an at-fault accident in Dunellen include New Jersey Skylands Insurance and NJM, offering $624 and $664, respectively. Farmers is an expensive provider with an average six-month premium of $3952.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$624	$104
NJM	$664	$112
New Jersey Manufacturers	$806	$135
Plymouth Rock	$841	$142
Amica Mutual	$1000	$168
Progressive	$1406	$237
Selective	$1906	$321
Travelers	$1952	$329
State Farm	$2258	$380
Allstate	$3528	$594
Farmers	$3952	$658

Dunellen Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Dunellen NJ. For example, the car insurance in Dunellen after a DUI increases to $1248 for a six month policy. While the rate increases by $172 for a six-month policy in the case of a speeding ticket.

Dunellen auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1146	$191
One Med/PIP claim	$1152	$196
Not-at-fault accident	$1206	$201
One comp claim	$1218	$207
Two Med/PIP claims	$1224	$204
Speeding 6 - 10 MPH over limit	$1318	$224
Speeding 11 - 15 MPH over limit	$1324	$221
Two comp claims	$1324	$225
Failure to show documents	$1340	$224
At-fault accident - less than $1000	$1358	$231
Failure to wear a seat belt	$1376	$230
Driving too slowly	$1382	$235
Driving without lights	$1388	$232
Child safety restraint	$1412	$240
Driving with expired registration	$1412	$236
Wrong way/wrong lane	$1435	$244
Failure to yield	$1440	$241
Failure to stop at a red light	$1446	$246
Illegal turn	$1470	$246
Cell phone violation	$1488	$253
Texting while driving	$1488	$248
Speeding in school zone	$1512	$257
Operating a vehicle without permission	$1518	$252
Speeding 16 - 20 MPH over limit	$1518	$258
Improper passing	$1552	$258
Following too closely	$1558	$265
Passing school bus	$1623	$270
In 65 MPH zone	$1634	$278
Speeding 21 - 25 MPH over limit	$1688	$281
At-fault accident - $1000-$2000	$1734	$295
At-fault accident - greater than $2000	$1746	$291
Open container	$1952	$332
Reckless driving	$2288	$381
Leaving scene of an accident/hit and run	$2376	$404
DUI	$2394	$399
Refusal to submit to a chemical test	$2394	$407
Racing	$2400	$400
Driving with a suspended license	$2494	$424

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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 Dunellen 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 Dunellen.

The cheapest car insurance premiums in Dunellen are offered by Plymouth Rock at $724 for a six-month policy. However, it can be as expensive as $5404 with companies like State Farm.

Dunellen car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$724	$122
Foremost	$794	$133
NJM	$800	$135
Mercury	$918	$152
New Jersey Manufacturers	$988	$168
Progressive	$1006	$169
Travelers	$1518	$255
Allstate	$1817	$306
Selective	$2234	$376
Farmers	$2576	$430
Amica Mutual	$5110	$869
State Farm	$5404	$910

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 Dunellen are offered by Plymouth Rock at $670. However, it can be as expensive as $3458 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Dunellen after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$670	$113
NJM	$852	$144
Progressive	$1176	$198
Selective	$1694	$282
State Farm	$1717	$292
Travelers	$1970	$329
Allstate	$2870	$488
Farmers	$3458	$576

Car Insurance Price Trends in Dunellen, New Jersey

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

The average cost of full coverage in the Dunellen rose by $287 in January compared to $244 of December. In other words, there has been an increase by $43 when you compare January and December.

The average cost of liability insurance in the Dunellen rose to $96 in January, compared to $85 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 Dunellen?

The car insurance in Dunellen is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Dunellen?

The cheapest car insurance in Dunellen is $128 per month for full coverage.

How much is car insurance in Dunellen for teenagers?

Car insurance for teenagers costs $530 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 Dunellen?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $206 per month to insure your car in Dunellen.

Is car insurance expensive in Dunellen?

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

Cheapest Car Insurance Quotes in Dunellen

Why you can trust Way?

How Much Is Car Insurance in Dunellen

Avg. Car Insurance in Dunellen

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Dunellen

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Dunellen Car Insurance Rates by Company

Cheap Car Insurance Companies in Dunellen, NJ

Way's key takeaways about car insurance in Dunellen

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Dunellen

Cheapest Liability Coverage in Dunellen, NJ

Cheapest Full Coverage Car Insurance in Dunellen

Cheapest Full Coverage Car Insurance Quotes in Dunellen, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Dunellen by Rating Factor

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

Car Insurance Premiums by Age in Dunellen

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Dunellen,NJ

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

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 Dunellen

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

Dunellen Car Insurance Rates by Violation

Dunellen auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Dunellen after a DUI

Dunellen car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Dunellen after Speeding ticket

Car Insurance Price Trends in Dunellen, New Jersey

Average Car Insurance Cost in Dunellen by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Dunellen, NJ

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