Cheapest Car Insurance Quotes in Fanwood

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Fanwood 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 Fanwood

The car insurance rate in Fanwood is $1288 for a six-month policy, which is $50 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $803, making it a popular choice for budget-conscious drivers. Rates in Fanwood 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 Fanwood

$1288

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Fanwood

1st place: New Jersey Manufacturers

At $803 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 $970 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $982 for six months, making it the third cheapest auto insurance company in Fanwood.

Fanwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fanwood, NJ is New Jersey Manufacturers, offering policies at just $803 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $970.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2143 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fanwood drivers find the best deals.

Cheap Car Insurance Companies in Fanwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$803	$134
New Jersey Skylands Insurance	$970	$165
NJM	$982	$165
Plymouth Rock	$1069	$180
Progressive	$1124	$189
Travelers	$1198	$202
Amica Mutual	$1359	$227
Allstate	$1402	$236
State Farm	$1513	$255
Selective	$1600	$269
Farmers	$2143	$358

Key Takeaways

Way's key takeaways about car insurance in Fanwood

The auto insurance costs in Fanwood fall around $803 for six months.
The cheapest auto insurance company in Fanwood is New Jersey Manufacturers.
Teen drivers pay the highest rate in Fanwood at $1088 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 Fanwood

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 Fanwood are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Fanwood. Their Average 6 Month Premium is $370. Farmers is the most expensive at $1069 for the same period.

Cheapest Liability Coverage in Fanwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$370	$63
Plymouth Rock	$500	$84
NJM	$513	$86
New Jersey Skylands Insurance	$544	$90
Amica Mutual	$556	$95
Amica	$636	$106
Progressive	$636	$107
Travelers	$655	$110
State Farm	$685	$115
Allstate	$760	$128
Selective	$847	$142
Farmers	$1069	$178

Cheapest Full Coverage Car Insurance in Fanwood

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 Fanwood is New Jersey Manufacturers at $134 per month and $803 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fanwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$803	$134
New Jersey Skylands Insurance	$970	$165
NJM	$982	$165
Plymouth Rock	$1069	$180
Progressive	$1124	$189
Travelers	$1198	$202
Amica Mutual	$1359	$227
Allstate	$1402	$236
State Farm	$1513	$255
Selective	$1600	$269
Farmers	$2143	$358

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Average Car Insurance in Fanwood 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 Fanwood, NJ increasing?

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

Car Insurance Premiums by Age in Fanwood

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	$798
30s	NJM	$620
40s	NJM	$574
50s	NJM	$529
60s	NJM	$488

Cheapest Car Insurance Rates for Teen Drivers in Fanwood,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 Fanwood at $95 per month. At $6400 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	$556	$95
NJM	$1112	$187
New Jersey Manufacturers	$1841	$313
Travelers	$2595	$437
Selective	$2811	$473
Plymouth Rock	$2916	$491
Amica Mutual	$3255	$553
Allstate	$3534	$595
Progressive	$3570	$601
State Farm	$4232	$712
Farmers	$6400	$1088

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 Fanwood.

As young drivers face the highest rates in Fanwood, NJM offers the cheapest auto insurance rates at $798 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 Fanwood, Amica Mutual is the cheapest car insurance provider. At $679 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 Fanwood is State Farm, offering rates of around $7518 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$679	$115
New Jersey Skylands Insurance	$853	$142
Foremost	$952	$162
NJM	$1192	$201
Progressive	$1532	$258
Plymouth Rock	$1582	$266
Farmers	$2841	$484
Selective	$3286	$548
Travelers	$3509	$597
Allstate	$3675	$613
State Farm	$7518	$1278

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Car Insurance Rates with An Accident in Fanwood

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

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

The cheapest car insurance companies after an at-fault accident in Fanwood include New Jersey Skylands Insurance and NJM, offering $655 and $698, respectively. Farmers is an expensive provider with an average six-month premium of $4152.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$655	$109
NJM	$698	$118
New Jersey Manufacturers	$847	$141
Plymouth Rock	$883	$149
Amica Mutual	$1050	$177
Progressive	$1477	$249
Selective	$2002	$337
Travelers	$2051	$345
State Farm	$2372	$399
Allstate	$3707	$624
Farmers	$4152	$692

Fanwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fanwood NJ. For example, the car insurance in Fanwood after a DUI increases to $1311 for a six month policy. While the rate increases by $180 for a six-month policy in the case of a speeding ticket.

Fanwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1204	$201
One Med/PIP claim	$1211	$206
Not-at-fault accident	$1267	$211
One comp claim	$1279	$217
Two Med/PIP claims	$1285	$214
Speeding 6 - 10 MPH over limit	$1384	$235
Speeding 11 - 15 MPH over limit	$1390	$232
Two comp claims	$1390	$236
Failure to show documents	$1408	$235
At-fault accident - less than $1000	$1427	$242
Failure to wear a seat belt	$1446	$241
Driving too slowly	$1452	$246
Driving without lights	$1458	$243
Child safety restraint	$1483	$252
Driving with expired registration	$1483	$248
Wrong way/wrong lane	$1507	$256
Failure to yield	$1513	$253
Failure to stop at a red light	$1519	$258
Illegal turn	$1544	$258
Cell phone violation	$1563	$266
Texting while driving	$1563	$260
Speeding in school zone	$1588	$270
Operating a vehicle without permission	$1594	$265
Speeding 16 - 20 MPH over limit	$1594	$271
Improper passing	$1631	$271
Following too closely	$1637	$279
Passing school bus	$1705	$284
In 65 MPH zone	$1717	$292
Speeding 21 - 25 MPH over limit	$1773	$295
At-fault accident - $1000-$2000	$1822	$310
At-fault accident - greater than $2000	$1835	$306
Open container	$2051	$348
Reckless driving	$2403	$400
Leaving scene of an accident/hit and run	$2496	$424
DUI	$2515	$419
Refusal to submit to a chemical test	$2515	$427
Racing	$2521	$420
Driving with a suspended license	$2620	$445

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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 Fanwood 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 Fanwood.

The cheapest car insurance premiums in Fanwood are offered by Plymouth Rock at $760 for a six-month policy. However, it can be as expensive as $5677 with companies like State Farm.

Fanwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$760	$128
Foremost	$834	$139
NJM	$840	$141
Mercury	$964	$160
New Jersey Manufacturers	$1038	$177
Progressive	$1057	$178
Travelers	$1594	$268
Allstate	$1908	$321
Selective	$2347	$395
Farmers	$2706	$451
Amica Mutual	$5368	$913
State Farm	$5677	$956

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 Fanwood are offered by Plymouth Rock at $704. However, it can be as expensive as $3633 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Fanwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$704	$119
NJM	$895	$151
Progressive	$1236	$208
Selective	$1779	$296
State Farm	$1803	$307
Travelers	$2070	$345
Allstate	$3015	$513
Farmers	$3633	$605

Car Insurance Price Trends in Fanwood, New Jersey

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

The average cost of full coverage in the Fanwood rose by $302 in January compared to $256 of December. In other words, there has been an increase by $46 when you compare January and December.

The average cost of liability insurance in the Fanwood rose to $101 in January, compared to $89 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fanwood?

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

What is the cheapest car insurance in Fanwood?

The cheapest car insurance in Fanwood is $134 per month for full coverage.

How much is car insurance in Fanwood for teenagers?

Car insurance for teenagers costs $556 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 Fanwood?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $216 per month to insure your car in Fanwood.

Is car insurance expensive in Fanwood?

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

Cheapest Car Insurance Quotes in Fanwood

Why you can trust Way?

How Much Is Car Insurance in Fanwood

Avg. Car Insurance in Fanwood

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Fanwood

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Fanwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Fanwood, NJ

Way's key takeaways about car insurance in Fanwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fanwood

Cheapest Liability Coverage in Fanwood, NJ

Cheapest Full Coverage Car Insurance in Fanwood

Cheapest Full Coverage Car Insurance Quotes in Fanwood, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fanwood by Rating Factor

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

Car Insurance Premiums by Age in Fanwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fanwood,NJ

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

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 Fanwood

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

Fanwood Car Insurance Rates by Violation

Fanwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fanwood after a DUI

Fanwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fanwood after Speeding ticket

Car Insurance Price Trends in Fanwood, New Jersey

Average Car Insurance Cost in Fanwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fanwood, NJ

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

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