Cheapest Car Insurance Quotes in Hackensack

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Hackensack Car Insurance

^$ 81

/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 Hackensack

The car insurance rate in Hackensack is $1634 for a six-month policy, which is $396 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 Hackensack 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 Hackensack

$1634

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Hackensack

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: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1232 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1246 for six months, making it the third cheapest auto insurance company in Hackensack.

Hackensack Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Hackensack, NJ is New Jersey Manufacturers, offering policies at just $1019 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1232.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2721 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Hackensack drivers find the best deals.

Cheap Car Insurance Companies in Hackensack, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1019	$170
New Jersey Skylands Insurance	$1232	$210
NJM	$1246	$210
Plymouth Rock	$1357	$228
Progressive	$1427	$240
Travelers	$1521	$256
Amica Mutual	$1725	$288
Allstate	$1779	$300
State Farm	$1921	$323
Selective	$2030	$342
Farmers	$2721	$454

Key Takeaways

Way's key takeaways about car insurance in Hackensack

The auto insurance costs in Hackensack fall around $1019 for six months.
The cheapest auto insurance company in Hackensack is New Jersey Manufacturers.
Teen drivers pay the highest rate in Hackensack at $1381 per month.

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Cheapest Minimum Liability Car Insurance in Hackensack

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 Hackensack are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Hackensack. Their Average 6 Month Premium is $470. Farmers is the most expensive at $1357 for the same period.

Cheapest Liability Coverage in Hackensack, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$470	$81
Plymouth Rock	$635	$107
NJM	$651	$110
New Jersey Skylands Insurance	$690	$115
Amica Mutual	$706	$120
Amica	$808	$135
Progressive	$808	$136
Travelers	$832	$140
State Farm	$870	$147
Allstate	$965	$162
Selective	$1074	$181
Farmers	$1357	$226

Cheapest Full Coverage Car Insurance in Hackensack

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 Hackensack is New Jersey Manufacturers at $170 per month and $1019 for six months.

Cheapest Full Coverage Car Insurance Quotes in Hackensack, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$1019	$170
New Jersey Skylands Insurance	$1232	$210
NJM	$1246	$210
Plymouth Rock	$1357	$228
Progressive	$1427	$240
Travelers	$1521	$256
Amica Mutual	$1725	$288
Allstate	$1779	$300
State Farm	$1921	$323
Selective	$2030	$342
Farmers	$2721	$454

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Average Car Insurance in Hackensack 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 Hackensack, NJ increasing?

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

Car Insurance Premiums by Age in Hackensack

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 Hackensack,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 Hackensack at $120 per month. At $8123 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
NJM	$1411	$238
New Jersey Manufacturers	$2336	$397
Travelers	$3293	$554
Selective	$3568	$601
Plymouth Rock	$3701	$623
Amica Mutual	$4132	$702
Allstate	$4485	$755
Progressive	$4532	$763
State Farm	$5371	$904
Farmers	$8123	$1381

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 Hackensack.

As young drivers face the highest rates in Hackensack, 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 Hackensack, 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 Hackensack is State Farm, offering rates of around $9542 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	$1513	$255
Progressive	$1944	$327
Plymouth Rock	$2008	$338
Farmers	$3606	$614
Selective	$4171	$696
Travelers	$4454	$758
Allstate	$4665	$777
State Farm	$9542	$1622

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Car Insurance Rates with An Accident in Hackensack

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

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

The cheapest car insurance companies after an at-fault accident in Hackensack include New Jersey Skylands Insurance and NJM, offering $832 and $886, respectively. Farmers is an expensive provider with an average six-month premium of $5269.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$832	$139
NJM	$886	$149
New Jersey Manufacturers	$1074	$180
Plymouth Rock	$1121	$189
Amica Mutual	$1333	$224
Progressive	$1874	$315
Selective	$2541	$428
Travelers	$2603	$438
State Farm	$3011	$507
Allstate	$4704	$792
Farmers	$5269	$878

Hackensack Car Insurance Rates by Violation

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

Hackensack 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 Hackensack 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 Hackensack.

The cheapest car insurance premiums in Hackensack are offered by Plymouth Rock at $965 for a six-month policy. However, it can be as expensive as $7206 with companies like State Farm.

Hackensack car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$965	$162
Foremost	$1059	$177
NJM	$1067	$180
Mercury	$1224	$203
New Jersey Manufacturers	$1317	$224
Progressive	$1341	$226
Travelers	$2024	$341
Allstate	$2422	$408
Selective	$2979	$502
Farmers	$3435	$573
Amica Mutual	$6814	$1159
State Farm	$7206	$1213

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 Hackensack are offered by Plymouth Rock at $894. However, it can be as expensive as $4611 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Hackensack after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$894	$150
NJM	$1137	$191
Progressive	$1568	$264
Selective	$2259	$376
State Farm	$2289	$389
Travelers	$2627	$438
Allstate	$3827	$651
Farmers	$4611	$768

Car Insurance Price Trends in Hackensack, New Jersey

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

The average cost of full coverage in the Hackensack rose by $383 in January compared to $325 of December. In other words, there has been an increase by $58 when you compare January and December.

The average cost of liability insurance in the Hackensack rose to $128 in January, compared to $114 in December. This represents an increase of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Hackensack?

The car insurance in Hackensack is $81 per month, which is lower than the national average.

What is the cheapest car insurance in Hackensack?

The cheapest car insurance in Hackensack is $170 per month for full coverage.

How much is car insurance in Hackensack 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 Hackensack?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $275 per month to insure your car in Hackensack.

Is car insurance expensive in Hackensack?

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

Cheapest Car Insurance Quotes in Hackensack

Why you can trust Way?

How Much Is Car Insurance in Hackensack

Avg. Car Insurance in Hackensack

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Hackensack

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Hackensack Car Insurance Rates by Company

Cheap Car Insurance Companies in Hackensack, NJ

Way's key takeaways about car insurance in Hackensack

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Hackensack

Cheapest Liability Coverage in Hackensack, NJ

Cheapest Full Coverage Car Insurance in Hackensack

Cheapest Full Coverage Car Insurance Quotes in Hackensack, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Hackensack by Rating Factor

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

Car Insurance Premiums by Age in Hackensack

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Hackensack,NJ

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

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 Hackensack

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

Hackensack Car Insurance Rates by Violation

Hackensack auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Hackensack after a DUI

Hackensack car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Hackensack after Speeding ticket

Car Insurance Price Trends in Hackensack, New Jersey

Average Car Insurance Cost in Hackensack by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Hackensack, NJ

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

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