Cheapest Car Insurance Quotes in Franklin Park

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Franklin Park Car Insurance

^$ 64

/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 Franklin Park

The car insurance rate in Franklin Park is $1300 for a six-month policy, which is $62 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $811, making it a popular choice for budget-conscious drivers. Rates in Franklin 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 Franklin Park

$1300

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Franklin Park

1st place: New Jersey Manufacturers

At $811 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 $980 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $991 for six months, making it the third cheapest auto insurance company in Franklin Park.

Franklin Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Franklin Park, NJ is New Jersey Manufacturers, offering policies at just $811 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $980.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2164 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Franklin Park drivers find the best deals.

Cheap Car Insurance Companies in Franklin Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$811	$135
New Jersey Skylands Insurance	$980	$167
NJM	$991	$167
Plymouth Rock	$1079	$182
Progressive	$1135	$191
Travelers	$1210	$204
Amica Mutual	$1372	$229
Allstate	$1415	$238
State Farm	$1528	$257
Selective	$1615	$272
Farmers	$2164	$361

Key Takeaways

Way's key takeaways about car insurance in Franklin Park

The auto insurance costs in Franklin Park fall around $811 for six months.
The cheapest auto insurance company in Franklin Park is New Jersey Manufacturers.
Teen drivers pay the highest rate in Franklin Park at $1098 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 Franklin 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 Franklin Park are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Franklin Park. Their Average 6 Month Premium is $374. Farmers is the most expensive at $1079 for the same period.

Cheapest Liability Coverage in Franklin Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$374	$64
Plymouth Rock	$505	$85
NJM	$518	$87
New Jersey Skylands Insurance	$549	$91
Amica Mutual	$562	$96
Amica	$643	$107
Progressive	$643	$108
Travelers	$662	$111
State Farm	$692	$117
Allstate	$768	$129
Selective	$855	$144
Farmers	$1079	$180

Cheapest Full Coverage Car Insurance in Franklin 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 Franklin Park is New Jersey Manufacturers at $135 per month and $811 for six months.

Cheapest Full Coverage Car Insurance Quotes in Franklin Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$811	$135
New Jersey Skylands Insurance	$980	$167
NJM	$991	$167
Plymouth Rock	$1079	$182
Progressive	$1135	$191
Travelers	$1210	$204
Amica Mutual	$1372	$229
Allstate	$1415	$238
State Farm	$1528	$257
Selective	$1615	$272
Farmers	$2164	$361

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Average Car Insurance in Franklin 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 Franklin Park, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Franklin 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, Franklin 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 Franklin 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	$805
30s	NJM	$626
40s	NJM	$580
50s	NJM	$534
60s	NJM	$492

Cheapest Car Insurance Rates for Teen Drivers in Franklin 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 Franklin Park at $96 per month. At $6462 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	$562	$96
NJM	$1122	$189
New Jersey Manufacturers	$1859	$316
Travelers	$2620	$441
Selective	$2838	$478
Plymouth Rock	$2944	$496
Amica Mutual	$3287	$559
Allstate	$3568	$601
Progressive	$3605	$607
State Farm	$4272	$719
Farmers	$6462	$1098

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 Franklin Park.

As young drivers face the highest rates in Franklin Park, NJM offers the cheapest auto insurance rates at $805 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 Franklin Park, Amica Mutual is the cheapest car insurance provider. At $686 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 Franklin Park is State Farm, offering rates of around $7590 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$686	$117
New Jersey Skylands Insurance	$861	$144
Foremost	$961	$164
NJM	$1203	$203
Progressive	$1547	$260
Plymouth Rock	$1597	$269
Farmers	$2869	$488
Selective	$3318	$553
Travelers	$3543	$603
Allstate	$3711	$618
State Farm	$7590	$1290

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

Car Insurance Rates with An Accident in Franklin 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 Franklin Park, NJ, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Franklin Park include New Jersey Skylands Insurance and NJM, offering $662 and $705, respectively. Farmers is an expensive provider with an average six-month premium of $4192.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$662	$110
NJM	$705	$119
New Jersey Manufacturers	$855	$143
Plymouth Rock	$891	$150
Amica Mutual	$1061	$179
Progressive	$1491	$251
Selective	$2021	$340
Travelers	$2071	$349
State Farm	$2395	$403
Allstate	$3742	$630
Farmers	$4192	$698

Franklin Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Franklin Park NJ. For example, the car insurance in Franklin Park after a DUI increases to $1323 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Franklin Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1216	$203
One Med/PIP claim	$1222	$208
Not-at-fault accident	$1279	$213
One comp claim	$1292	$219
Two Med/PIP claims	$1298	$216
Speeding 6 - 10 MPH over limit	$1398	$237
Speeding 11 - 15 MPH over limit	$1404	$234
Two comp claims	$1404	$238
Failure to show documents	$1422	$237
At-fault accident - less than $1000	$1441	$245
Failure to wear a seat belt	$1460	$244
Driving too slowly	$1466	$249
Driving without lights	$1472	$246
Child safety restraint	$1497	$254
Driving with expired registration	$1497	$250
Wrong way/wrong lane	$1521	$258
Failure to yield	$1528	$255
Failure to stop at a red light	$1534	$260
Illegal turn	$1559	$260
Cell phone violation	$1578	$269
Texting while driving	$1578	$263
Speeding in school zone	$1603	$273
Operating a vehicle without permission	$1610	$268
Speeding 16 - 20 MPH over limit	$1610	$274
Improper passing	$1646	$274
Following too closely	$1653	$281
Passing school bus	$1721	$287
In 65 MPH zone	$1734	$295
Speeding 21 - 25 MPH over limit	$1790	$298
At-fault accident - $1000-$2000	$1840	$313
At-fault accident - greater than $2000	$1852	$309
Open container	$2071	$352
Reckless driving	$2427	$404
Leaving scene of an accident/hit and run	$2520	$428
DUI	$2539	$423
Refusal to submit to a chemical test	$2539	$432
Racing	$2545	$424
Driving with a suspended license	$2645	$449

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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 Franklin 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 Franklin Park.

The cheapest car insurance premiums in Franklin Park are offered by Plymouth Rock at $768 for a six-month policy. However, it can be as expensive as $5732 with companies like State Farm.

Franklin Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$768	$129
Foremost	$842	$141
NJM	$848	$143
Mercury	$973	$162
New Jersey Manufacturers	$1048	$179
Progressive	$1067	$180
Travelers	$1610	$271
Allstate	$1927	$324
Selective	$2370	$399
Farmers	$2732	$456
Amica Mutual	$5420	$922
State Farm	$5732	$965

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 Franklin Park are offered by Plymouth Rock at $711. However, it can be as expensive as $3668 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Franklin Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$711	$120
NJM	$904	$152
Progressive	$1247	$210
Selective	$1797	$299
State Farm	$1821	$310
Travelers	$2090	$349
Allstate	$3044	$518
Farmers	$3668	$611

Car Insurance Price Trends in Franklin Park, New Jersey

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

The average cost of full coverage in the Franklin Park rose by $305 in January compared to $258 of December. In other words, there has been an increase by $47 when you compare January and December.

The average cost of liability insurance in the Franklin Park rose to $102 in January, compared to $90 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 Franklin Park?

The car insurance in Franklin Park is $64 per month, which is lower than the national average.

What is the cheapest car insurance in Franklin Park?

The cheapest car insurance in Franklin Park is $135 per month for full coverage.

How much is car insurance in Franklin Park for teenagers?

Car insurance for teenagers costs $562 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 Franklin Park?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $218 per month to insure your car in Franklin Park.

Is car insurance expensive in Franklin Park?

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

Cheapest Car Insurance Quotes in Franklin Park

Why you can trust Way?

How Much Is Car Insurance in Franklin Park

Avg. Car Insurance in Franklin Park

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Franklin Park

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Franklin Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Franklin Park, NJ

Way's key takeaways about car insurance in Franklin Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Franklin Park

Cheapest Liability Coverage in Franklin Park, NJ

Cheapest Full Coverage Car Insurance in Franklin Park

Cheapest Full Coverage Car Insurance Quotes in Franklin Park, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Franklin Park by Rating Factor

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

Car Insurance Premiums by Age in Franklin Park

Cheapest Car Insurance Companies Based on Age Group

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

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

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

Franklin Park Car Insurance Rates by Violation

Franklin Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Franklin Park after a DUI

Franklin Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Franklin Park after Speeding ticket

Car Insurance Price Trends in Franklin Park, New Jersey

Average Car Insurance Cost in Franklin Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Franklin Park, NJ

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

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