Cheapest Car Insurance Quotes in Garfield

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406,175 Policies Sold

Garfield Car Insurance

^$ 82

/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 Garfield

The car insurance rate in Garfield is $1659 for a six-month policy, which is $421 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1034, making it a popular choice for budget-conscious drivers. Rates in Garfield 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 Garfield

$1659

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Garfield

1st place: New Jersey Manufacturers

At $1034 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 $1250 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1265 for six months, making it the third cheapest auto insurance company in Garfield.

Garfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garfield, NJ is New Jersey Manufacturers, offering policies at just $1034 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1250.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2762 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garfield drivers find the best deals.

Cheap Car Insurance Companies in Garfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1034	$173
New Jersey Skylands Insurance	$1250	$213
NJM	$1265	$213
Plymouth Rock	$1378	$232
Progressive	$1449	$244
Travelers	$1544	$260
Amica Mutual	$1751	$292
Allstate	$1806	$304
State Farm	$1950	$328
Selective	$2061	$347
Farmers	$2762	$461

Key Takeaways

Way's key takeaways about car insurance in Garfield

The auto insurance costs in Garfield fall around $1034 for six months.
The cheapest auto insurance company in Garfield is New Jersey Manufacturers.
Teen drivers pay the highest rate in Garfield at $1402 per month.

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Cheapest Minimum Liability Car Insurance in Garfield

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 Garfield are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Garfield. Their Average 6 Month Premium is $477. Farmers is the most expensive at $1378 for the same period.

Cheapest Liability Coverage in Garfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$477	$82
Plymouth Rock	$645	$109
NJM	$661	$111
New Jersey Skylands Insurance	$701	$117
Amica Mutual	$717	$122
Amica	$820	$137
Progressive	$820	$138
Travelers	$844	$142
State Farm	$883	$149
Allstate	$980	$165
Selective	$1091	$184
Farmers	$1378	$229

Cheapest Full Coverage Car Insurance in Garfield

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 Garfield is New Jersey Manufacturers at $173 per month and $1034 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1034	$173
New Jersey Skylands Insurance	$1250	$213
NJM	$1265	$213
Plymouth Rock	$1378	$232
Progressive	$1449	$244
Travelers	$1544	$260
Amica Mutual	$1751	$292
Allstate	$1806	$304
State Farm	$1950	$328
Selective	$2061	$347
Farmers	$2762	$461

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Average Car Insurance in Garfield 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 Garfield, NJ increasing?

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

Car Insurance Premiums by Age in Garfield

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	$1028
30s	NJM	$799
40s	NJM	$740
50s	NJM	$682
60s	NJM	$628

Cheapest Car Insurance Rates for Teen Drivers in Garfield,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 Garfield at $122 per month. At $8246 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	$717	$122
NJM	$1432	$241
New Jersey Manufacturers	$2372	$403
Travelers	$3343	$563
Selective	$3622	$610
Plymouth Rock	$3757	$632
Amica Mutual	$4194	$713
Allstate	$4553	$766
Progressive	$4600	$775
State Farm	$5452	$918
Farmers	$8246	$1402

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 Garfield.

As young drivers face the highest rates in Garfield, NJM offers the cheapest auto insurance rates at $1028 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 Garfield, Amica Mutual is the cheapest car insurance provider. At $875 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 Garfield is State Farm, offering rates of around $9687 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$875	$149
New Jersey Skylands Insurance	$1099	$184
Foremost	$1226	$209
NJM	$1536	$259
Progressive	$1974	$332
Plymouth Rock	$2038	$343
Farmers	$3661	$623
Selective	$4234	$706
Travelers	$4521	$769
Allstate	$4736	$789
State Farm	$9687	$1647

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Car Insurance Rates with An Accident in Garfield

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

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

The cheapest car insurance companies after an at-fault accident in Garfield include New Jersey Skylands Insurance and NJM, offering $844 and $899, respectively. Farmers is an expensive provider with an average six-month premium of $5349.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$844	$141
NJM	$899	$151
New Jersey Manufacturers	$1091	$182
Plymouth Rock	$1138	$192
Amica Mutual	$1353	$228
Progressive	$1903	$320
Selective	$2580	$434
Travelers	$2642	$445
State Farm	$3057	$515
Allstate	$4776	$804
Farmers	$5349	$891

Garfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garfield NJ. For example, the car insurance in Garfield after a DUI increases to $1688 for a six month policy. While the rate increases by $232 for a six-month policy in the case of a speeding ticket.

Garfield auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1552	$259
One Med/PIP claim	$1560	$265
Not-at-fault accident	$1632	$272
One comp claim	$1648	$280
Two Med/PIP claims	$1656	$276
Speeding 6 - 10 MPH over limit	$1784	$303
Speeding 11 - 15 MPH over limit	$1792	$299
Two comp claims	$1792	$304
Failure to show documents	$1814	$303
At-fault accident - less than $1000	$1838	$312
Failure to wear a seat belt	$1863	$311
Driving too slowly	$1871	$318
Driving without lights	$1879	$314
Child safety restraint	$1911	$324
Driving with expired registration	$1911	$319
Wrong way/wrong lane	$1942	$330
Failure to yield	$1950	$326
Failure to stop at a red light	$1958	$332
Illegal turn	$1990	$332
Cell phone violation	$2014	$343
Texting while driving	$2014	$335
Speeding in school zone	$2046	$348
Operating a vehicle without permission	$2054	$342
Speeding 16 - 20 MPH over limit	$2054	$350
Improper passing	$2101	$350
Following too closely	$2109	$359
Passing school bus	$2196	$366
In 65 MPH zone	$2212	$377
Speeding 21 - 25 MPH over limit	$2285	$381
At-fault accident - $1000-$2000	$2348	$399
At-fault accident - greater than $2000	$2364	$394
Open container	$2642	$449
Reckless driving	$3097	$516
Leaving scene of an accident/hit and run	$3216	$547
DUI	$3240	$540
Refusal to submit to a chemical test	$3240	$551
Racing	$3248	$541
Driving with a suspended license	$3375	$574

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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 Garfield 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 Garfield.

The cheapest car insurance premiums in Garfield are offered by Plymouth Rock at $980 for a six-month policy. However, it can be as expensive as $7315 with companies like State Farm.

Garfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$980	$165
Foremost	$1075	$180
NJM	$1083	$182
Mercury	$1242	$206
New Jersey Manufacturers	$1337	$228
Progressive	$1361	$229
Travelers	$2054	$346
Allstate	$2459	$414
Selective	$3024	$509
Farmers	$3487	$582
Amica Mutual	$6917	$1177
State Farm	$7315	$1231

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 Garfield are offered by Plymouth Rock at $907. However, it can be as expensive as $4681 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Garfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$907	$153
NJM	$1154	$194
Progressive	$1592	$268
Selective	$2293	$382
State Farm	$2324	$395
Travelers	$2667	$445
Allstate	$3885	$661
Farmers	$4681	$780

Car Insurance Price Trends in Garfield, New Jersey

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

The average cost of full coverage in the Garfield rose by $389 in January compared to $330 of December. In other words, there has been an increase by $59 when you compare January and December.

The average cost of liability insurance in the Garfield rose to $130 in January, compared to $115 in December. This represents an increase of $15 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Garfield?

The car insurance in Garfield is $82 per month, which is lower than the national average.

What is the cheapest car insurance in Garfield?

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

How much is car insurance in Garfield for teenagers?

Car insurance for teenagers costs $717 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 Garfield?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $279 per month to insure your car in Garfield.

Is car insurance expensive in Garfield?

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

Cheapest Car Insurance Quotes in Garfield

Why you can trust Way?

How Much Is Car Insurance in Garfield

Avg. Car Insurance in Garfield

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Garfield

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Garfield Car Insurance Rates by Company

Cheap Car Insurance Companies in Garfield, NJ

Way's key takeaways about car insurance in Garfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garfield

Cheapest Liability Coverage in Garfield, NJ

Cheapest Full Coverage Car Insurance in Garfield

Cheapest Full Coverage Car Insurance Quotes in Garfield, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garfield by Rating Factor

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

Car Insurance Premiums by Age in Garfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Garfield,NJ

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

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 Garfield

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

Garfield Car Insurance Rates by Violation

Garfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garfield after a DUI

Garfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garfield after Speeding ticket

Car Insurance Price Trends in Garfield, New Jersey

Average Car Insurance Cost in Garfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

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