Cheapest Car Insurance Quotes in Echelon

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Echelon Car Insurance

^$ 59

/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 Echelon

The car insurance rate in Echelon is $1201 for a six-month policy, which is $37 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $749, making it a popular choice for budget-conscious drivers. Rates in Echelon 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 Echelon

$1201

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Echelon

1st place: New Jersey Manufacturers

At $749 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 $905 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $916 for six months, making it the third cheapest auto insurance company in Echelon.

Echelon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Echelon, NJ is New Jersey Manufacturers, offering policies at just $749 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $905.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1999 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Echelon drivers find the best deals.

Cheap Car Insurance Companies in Echelon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$749	$125
New Jersey Skylands Insurance	$905	$154
NJM	$916	$154
Plymouth Rock	$997	$168
Progressive	$1049	$177
Travelers	$1117	$188
Amica Mutual	$1268	$211
Allstate	$1308	$220
State Farm	$1411	$238
Selective	$1492	$251
Farmers	$1999	$334

Key Takeaways

Way's key takeaways about car insurance in Echelon

The auto insurance costs in Echelon fall around $749 for six months.
The cheapest auto insurance company in Echelon is New Jersey Manufacturers.
Teen drivers pay the highest rate in Echelon at $1015 per month.

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Cheapest Minimum Liability Car Insurance in Echelon

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 Echelon are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Echelon. Their Average 6 Month Premium is $345. Farmers is the most expensive at $997 for the same period.

Cheapest Liability Coverage in Echelon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$345	$59
Plymouth Rock	$467	$79
NJM	$478	$81
New Jersey Skylands Insurance	$507	$84
Amica Mutual	$519	$88
Amica	$594	$99
Progressive	$594	$100
Travelers	$611	$103
State Farm	$639	$108
Allstate	$709	$119
Selective	$790	$133
Farmers	$997	$166

Cheapest Full Coverage Car Insurance in Echelon

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 Echelon is New Jersey Manufacturers at $125 per month and $749 for six months.

Cheapest Full Coverage Car Insurance Quotes in Echelon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$749	$125
New Jersey Skylands Insurance	$905	$154
NJM	$916	$154
Plymouth Rock	$997	$168
Progressive	$1049	$177
Travelers	$1117	$188
Amica Mutual	$1268	$211
Allstate	$1308	$220
State Farm	$1411	$238
Selective	$1492	$251
Farmers	$1999	$334

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Average Car Insurance in Echelon 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 Echelon, NJ increasing?

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

Car Insurance Premiums by Age in Echelon

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	$744
30s	NJM	$578
40s	NJM	$535
50s	NJM	$494
60s	NJM	$455

Cheapest Car Insurance Rates for Teen Drivers in Echelon,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 Echelon at $88 per month. At $5969 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	$519	$88
NJM	$1037	$175
New Jersey Manufacturers	$1717	$292
Travelers	$2420	$407
Selective	$2622	$441
Plymouth Rock	$2720	$458
Amica Mutual	$3036	$516
Allstate	$3296	$555
Progressive	$3330	$561
State Farm	$3947	$664
Farmers	$5969	$1015

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 Echelon.

As young drivers face the highest rates in Echelon, NJM offers the cheapest auto insurance rates at $744 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 Echelon, Amica Mutual is the cheapest car insurance provider. At $633 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 Echelon is State Farm, offering rates of around $7012 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$633	$108
New Jersey Skylands Insurance	$795	$133
Foremost	$888	$151
NJM	$1112	$187
Progressive	$1429	$241
Plymouth Rock	$1475	$248
Farmers	$2650	$451
Selective	$3065	$511
Travelers	$3273	$557
Allstate	$3428	$571
State Farm	$7012	$1192

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

Car Insurance Rates with An Accident in Echelon

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

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

The cheapest car insurance companies after an at-fault accident in Echelon include New Jersey Skylands Insurance and NJM, offering $611 and $651, respectively. Farmers is an expensive provider with an average six-month premium of $3872.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$611	$102
NJM	$651	$110
New Jersey Manufacturers	$790	$132
Plymouth Rock	$824	$139
Amica Mutual	$980	$165
Progressive	$1377	$232
Selective	$1867	$314
Travelers	$1913	$322
State Farm	$2213	$372
Allstate	$3457	$582
Farmers	$3872	$645

Echelon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Echelon NJ. For example, the car insurance in Echelon after a DUI increases to $1222 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Echelon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1123	$187
One Med/PIP claim	$1129	$192
Not-at-fault accident	$1181	$197
One comp claim	$1193	$203
Two Med/PIP claims	$1199	$200
Speeding 6 - 10 MPH over limit	$1291	$219
Speeding 11 - 15 MPH over limit	$1297	$216
Two comp claims	$1297	$220
Failure to show documents	$1313	$219
At-fault accident - less than $1000	$1331	$226
Failure to wear a seat belt	$1348	$225
Driving too slowly	$1354	$230
Driving without lights	$1360	$227
Child safety restraint	$1383	$235
Driving with expired registration	$1383	$231
Wrong way/wrong lane	$1406	$239
Failure to yield	$1411	$236
Failure to stop at a red light	$1417	$241
Illegal turn	$1440	$241
Cell phone violation	$1458	$248
Texting while driving	$1458	$243
Speeding in school zone	$1481	$252
Operating a vehicle without permission	$1487	$247
Speeding 16 - 20 MPH over limit	$1487	$253
Improper passing	$1521	$253
Following too closely	$1527	$260
Passing school bus	$1590	$265
In 65 MPH zone	$1601	$273
Speeding 21 - 25 MPH over limit	$1654	$275
At-fault accident - $1000-$2000	$1699	$289
At-fault accident - greater than $2000	$1711	$285
Open container	$1913	$325
Reckless driving	$2242	$373
Leaving scene of an accident/hit and run	$2328	$396
DUI	$2345	$391
Refusal to submit to a chemical test	$2345	$399
Racing	$2351	$392
Driving with a suspended license	$2443	$415

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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 Echelon 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 Echelon.

The cheapest car insurance premiums in Echelon are offered by Plymouth Rock at $709 for a six-month policy. However, it can be as expensive as $5295 with companies like State Farm.

Echelon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$709	$119
Foremost	$778	$130
NJM	$784	$132
Mercury	$899	$149
New Jersey Manufacturers	$968	$165
Progressive	$986	$166
Travelers	$1487	$250
Allstate	$1780	$300
Selective	$2189	$369
Farmers	$2524	$421
Amica Mutual	$5007	$852
State Farm	$5295	$891

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 Echelon are offered by Plymouth Rock at $657. However, it can be as expensive as $3388 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Echelon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$657	$111
NJM	$835	$141
Progressive	$1152	$194
Selective	$1660	$276
State Farm	$1682	$286
Travelers	$1930	$322
Allstate	$2812	$478
Farmers	$3388	$565

Car Insurance Price Trends in Echelon, New Jersey

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

The average cost of full coverage in the Echelon rose by $281 in January compared to $239 of December. In other words, there has been an increase by $42 when you compare January and December.

The average cost of liability insurance in the Echelon rose to $94 in January, compared to $83 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 Echelon?

The car insurance in Echelon is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Echelon?

The cheapest car insurance in Echelon is $125 per month for full coverage.

How much is car insurance in Echelon for teenagers?

Car insurance for teenagers costs $519 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 Echelon?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $202 per month to insure your car in Echelon.

Is car insurance expensive in Echelon?

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

Cheapest Car Insurance Quotes in Echelon

Why you can trust Way?

How Much Is Car Insurance in Echelon

Avg. Car Insurance in Echelon

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Echelon

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Echelon Car Insurance Rates by Company

Cheap Car Insurance Companies in Echelon, NJ

Way's key takeaways about car insurance in Echelon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Echelon

Cheapest Liability Coverage in Echelon, NJ

Cheapest Full Coverage Car Insurance in Echelon

Cheapest Full Coverage Car Insurance Quotes in Echelon, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Echelon by Rating Factor

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

Car Insurance Premiums by Age in Echelon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Echelon,NJ

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

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 Echelon

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

Echelon Car Insurance Rates by Violation

Echelon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Echelon after a DUI

Echelon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Echelon after Speeding ticket

Car Insurance Price Trends in Echelon, New Jersey

Average Car Insurance Cost in Echelon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Echelon, NJ

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

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