Cheapest Car Insurance Quotes in Garwood

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Garwood 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 Garwood

The car insurance rate in Garwood is $1122 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $772, making it a popular choice for budget-conscious drivers. Rates in Garwood 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 Garwood

$1122

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Garwood

1st place: New Jersey Manufacturers

At $772 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 $921 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 $933 for six months, making it the third cheapest auto insurance company in Garwood.

Garwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Garwood, NJ is New Jersey Manufacturers, offering policies at just $772 for a six-month term. This is followed by NJM, which has an average six-month premium of $921.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1016 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Garwood drivers find the best deals.

Cheap Car Insurance Companies in Garwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$772	$131
NJM	$921	$155
New Jersey Skylands Insurance	$933	$159
Progressive	$944	$159
Plymouth Rock	$1004	$169
Allstate	$1135	$191
Travelers	$1170	$197
State Farm	$1247	$210
Amica Mutual	$1307	$222
Selective	$1360	$227
Farmers	$1657	$282
National General	$1016	$173

Key Takeaways

Way's key takeaways about car insurance in Garwood

The auto insurance costs in Garwood fall around $772 for six months.
The cheapest auto insurance company in Garwood is New Jersey Manufacturers.
Teen drivers pay the highest rate in Garwood at $1055 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 Garwood

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 Garwood are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Garwood. Their Average 6 Month Premium is $356. National General is the most expensive at $374 for the same period.

Cheapest Liability Coverage in Garwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$356	$59
Plymouth Rock	$446	$75
Progressive	$446	$75
NJM	$481	$81
New Jersey Skylands Insurance	$523	$87
State Farm	$529	$89
Amica Mutual	$535	$89
Travelers	$535	$90
Amica	$612	$102
Selective	$647	$110
Allstate	$665	$112
Farmers	$1075	$183
National General	$374	$64

Cheapest Full Coverage Car Insurance in Garwood

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 Garwood is New Jersey Manufacturers at $131 per month and $772 for six months.

Cheapest Full Coverage Car Insurance Quotes in Garwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$772	$131
NJM	$921	$155
New Jersey Skylands Insurance	$933	$159
Progressive	$944	$159
Plymouth Rock	$1004	$169
Allstate	$1135	$191
Travelers	$1170	$197
State Farm	$1247	$210
Amica Mutual	$1307	$222
Selective	$1360	$227
Farmers	$1657	$282
National General	$1016	$173

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Average Car Insurance in Garwood 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 Garwood, NJ increasing?

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

Car Insurance Premiums by Age in Garwood

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	$767
30s	NJM	$596
40s	NJM	$552
50s	NJM	$509
60s	NJM	$469

Cheapest Car Insurance Rates for Teen Drivers in Garwood,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 Garwood at $91 per month. At $6207 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	$535	$91
Selective	$671	$112
NJM	$1022	$172
New Jersey Manufacturers	$1770	$295
Travelers	$2477	$417
Plymouth Rock	$2655	$447
Allstate	$2661	$448
Progressive	$2899	$488
Amica Mutual	$3130	$532
State Farm	$3433	$578
Farmers	$6207	$1055

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 Garwood.

As young drivers face the highest rates in Garwood, NJM offers the cheapest auto insurance rates at $767 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 Garwood, Amica Mutual is the cheapest car insurance provider. At $653 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 Garwood is Farmers, offering rates of around $5607 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$653	$111
New Jersey Skylands Insurance	$820	$137
Foremost	$915	$156
NJM	$1105	$186
Progressive	$1117	$188
Plymouth Rock	$1449	$244
Allstate	$2477	$421
Travelers	$3564	$594
State Farm	$5423	$922
Farmers	$5607	$935

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

Car Insurance Rates with An Accident in Garwood

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

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

The cheapest car insurance companies after an at-fault accident in Garwood include New Jersey Skylands Insurance and NJM, offering $630 and $647, respectively. National General is an expensive provider with an average six-month premium of $434.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$630	$105
NJM	$647	$109
New Jersey Manufacturers	$814	$136
Plymouth Rock	$820	$138
Selective	$944	$157
Amica Mutual	$1010	$170
Progressive	$1259	$212
State Farm	$1925	$324
Travelers	$2031	$342
Allstate	$2833	$477
Farmers	$5114	$852
National General	$434	$72

Garwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Garwood NJ. For example, the car insurance in Garwood after a DUI increases to $1260 for a six month policy. While the rate increases by $173 for a six-month policy in the case of a speeding ticket.

Garwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1158	$193
One Med/PIP claim	$1164	$198
Not-at-fault accident	$1218	$203
One comp claim	$1230	$209
Two Med/PIP claims	$1236	$206
Speeding 6 - 10 MPH over limit	$1331	$226
Speeding 11 - 15 MPH over limit	$1337	$223
Two comp claims	$1337	$227
Failure to show documents	$1354	$226
At-fault accident - less than $1000	$1372	$233
Failure to wear a seat belt	$1390	$232
Driving too slowly	$1396	$237
Driving without lights	$1402	$234
Child safety restraint	$1426	$242
Driving with expired registration	$1426	$238
Wrong way/wrong lane	$1449	$246
Failure to yield	$1455	$243
Failure to stop at a red light	$1461	$248
Illegal turn	$1485	$248
Cell phone violation	$1503	$256
Texting while driving	$1503	$250
Speeding in school zone	$1527	$260
Operating a vehicle without permission	$1533	$255
Speeding 16 - 20 MPH over limit	$1533	$261
Improper passing	$1568	$261
Following too closely	$1574	$268
Passing school bus	$1639	$273
In 65 MPH zone	$1651	$281
Speeding 21 - 25 MPH over limit	$1705	$284
At-fault accident - $1000-$2000	$1752	$298
At-fault accident - greater than $2000	$1764	$294
Open container	$1972	$335
Reckless driving	$2311	$385
Leaving scene of an accident/hit and run	$2400	$408
DUI	$2418	$403
Refusal to submit to a chemical test	$2418	$411
Racing	$2424	$404
Driving with a suspended license	$2519	$428

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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 Garwood 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 Garwood.

The cheapest car insurance premiums in Garwood are offered by Plymouth Rock at $707 for a six-month policy. However, it can be as expensive as $5162 with companies like Amica Mutual.

Garwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$707	$119
NJM	$778	$131
Foremost	$802	$136
Progressive	$903	$152
Mercury	$927	$158
New Jersey Manufacturers	$998	$166
Selective	$1057	$180
Allstate	$1509	$254
Travelers	$1574	$265
State Farm	$4592	$773
Farmers	$5085	$865
Amica Mutual	$5162	$860

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 Garwood are offered by Plymouth Rock at $647. However, it can be as expensive as $2340 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Garwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$647	$109
NJM	$820	$138
Progressive	$927	$156
State Farm	$1313	$223
Allstate	$1984	$331
Travelers	$2085	$355
Farmers	$2340	$390

Car Insurance Price Trends in Garwood, New Jersey

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

The average cost of full coverage in the Garwood rose by $246 in December compared to $243 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Garwood rose to $86 in December, compared to $83 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Garwood?

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

What is the cheapest car insurance in Garwood?

The cheapest car insurance in Garwood is $131 per month for full coverage.

How much is car insurance in Garwood for teenagers?

Car insurance for teenagers costs $535 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 Garwood?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $189 per month to insure your car in Garwood.

Is car insurance expensive in Garwood?

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

Cheapest Car Insurance Quotes in Garwood

Why you can trust Way?

How Much Is Car Insurance in Garwood

Avg. Car Insurance in Garwood

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Garwood

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Garwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Garwood, NJ

Way's key takeaways about car insurance in Garwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Garwood

Cheapest Liability Coverage in Garwood, NJ

Cheapest Full Coverage Car Insurance in Garwood

Cheapest Full Coverage Car Insurance Quotes in Garwood, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Garwood by Rating Factor

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

Car Insurance Premiums by Age in Garwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Garwood,NJ

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

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 Garwood

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

Garwood Car Insurance Rates by Violation

Garwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Garwood after a DUI

Garwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Garwood after Speeding ticket

Car Insurance Price Trends in Garwood, New Jersey

Average Car Insurance Cost in Garwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Garwood, NJ

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

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