Cheapest Car Insurance Quotes in Elmwood Park

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Elmwood Park 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 Elmwood Park

The car insurance rate in Elmwood Park 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 Elmwood Park 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 Elmwood Park

$1481

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Elmwood Park

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 Elmwood Park.

Elmwood Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Elmwood Park, 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 Elmwood Park drivers find the best deals.

Cheap Car Insurance Companies in Elmwood Park, 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 Elmwood Park

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

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Elmwood Park

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 Elmwood Park are given below.

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

Cheapest Liability Coverage in Elmwood Park, 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 Elmwood Park

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

Cheapest Full Coverage Car Insurance Quotes in Elmwood Park, 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

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Average Car Insurance in Elmwood Park 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 Elmwood Park, NJ increasing?

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

Car Insurance Premiums by Age in Elmwood Park

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 Elmwood Park,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 Elmwood Park 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 Elmwood Park.

As young drivers face the highest rates in Elmwood Park, 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 Elmwood Park, 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 Elmwood Park 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

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

Car Insurance Rates with An Accident in Elmwood Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Elmwood Park

The cheapest car insurance companies after an at-fault accident in Elmwood Park 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

Elmwood Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Elmwood Park NJ. For example, the car insurance in Elmwood Park 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.

Elmwood Park 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

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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 Elmwood Park 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 Elmwood Park.

The cheapest car insurance premiums in Elmwood Park 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.

Elmwood Park 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 Elmwood Park 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 Elmwood Park 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 Elmwood Park, New Jersey

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

The average cost of full coverage in the Elmwood Park 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 Elmwood Park rose to $114 in December, compared to $110 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Elmwood Park?

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

What is the cheapest car insurance in Elmwood Park?

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

How much is car insurance in Elmwood Park 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 Elmwood Park?

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 Elmwood Park.

Is car insurance expensive in Elmwood Park?

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

Cheapest Car Insurance Quotes in Elmwood Park

Why you can trust Way?

How Much Is Car Insurance in Elmwood Park

Avg. Car Insurance in Elmwood Park

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Elmwood Park

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Elmwood Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Elmwood Park, NJ

Way's key takeaways about car insurance in Elmwood Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Elmwood Park

Cheapest Liability Coverage in Elmwood Park, NJ

Cheapest Full Coverage Car Insurance in Elmwood Park

Cheapest Full Coverage Car Insurance Quotes in Elmwood Park, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Elmwood Park by Rating Factor

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

Car Insurance Premiums by Age in Elmwood Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Elmwood Park,NJ

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

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 Elmwood Park

Cheapest Car Insurance Companies after an At-Fault Accident in Elmwood Park

Elmwood Park Car Insurance Rates by Violation

Elmwood Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Elmwood Park after a DUI

Elmwood Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Elmwood Park after Speeding ticket

Car Insurance Price Trends in Elmwood Park, New Jersey

Average Car Insurance Cost in Elmwood Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Elmwood Park, NJ

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

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