Cheapest Car Insurance Quotes in Highlands

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Highlands Car Insurance

^$ 55

/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 Highlands

The car insurance rate in Highlands is $1043 for a six-month policy, which is $79 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $718, making it a popular choice for budget-conscious drivers. Rates in Highlands 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 Highlands

$1043

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Highlands

1st place: New Jersey Manufacturers

At $718 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 $857 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 $868 for six months, making it the third cheapest auto insurance company in Highlands.

Highlands Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Highlands, NJ is New Jersey Manufacturers, offering policies at just $718 for a six-month term. This is followed by NJM, which has an average six-month premium of $857.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $945 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Highlands drivers find the best deals.

Cheap Car Insurance Companies in Highlands, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$718	$122
NJM	$857	$144
New Jersey Skylands Insurance	$868	$148
Progressive	$878	$148
Plymouth Rock	$934	$157
Allstate	$1056	$178
Travelers	$1088	$183
State Farm	$1160	$195
Amica Mutual	$1216	$206
Selective	$1265	$211
Farmers	$1541	$262
National General	$945	$161

Key Takeaways

Way's key takeaways about car insurance in Highlands

The auto insurance costs in Highlands fall around $718 for six months.
The cheapest auto insurance company in Highlands is New Jersey Manufacturers.
Teen drivers pay the highest rate in Highlands at $981 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 Highlands

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 Highlands are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Highlands. Their Average 6 Month Premium is $331. National General is the most expensive at $348 for the same period.

Cheapest Liability Coverage in Highlands, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$331	$55
Plymouth Rock	$415	$70
Progressive	$415	$70
NJM	$447	$75
New Jersey Skylands Insurance	$486	$81
State Farm	$492	$83
Amica Mutual	$498	$83
Travelers	$498	$84
Amica	$569	$95
Selective	$602	$102
Allstate	$618	$104
Farmers	$1000	$170
National General	$348	$60

Cheapest Full Coverage Car Insurance in Highlands

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 Highlands is New Jersey Manufacturers at $122 per month and $718 for six months.

Cheapest Full Coverage Car Insurance Quotes in Highlands, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$718	$122
NJM	$857	$144
New Jersey Skylands Insurance	$868	$148
Progressive	$878	$148
Plymouth Rock	$934	$157
Allstate	$1056	$178
Travelers	$1088	$183
State Farm	$1160	$195
Amica Mutual	$1216	$206
Selective	$1265	$211
Farmers	$1541	$262
National General	$945	$161

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Average Car Insurance in Highlands 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 Highlands, NJ increasing?

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

Car Insurance Premiums by Age in Highlands

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	$713
30s	NJM	$554
40s	NJM	$513
50s	NJM	$473
60s	NJM	$436

Cheapest Car Insurance Rates for Teen Drivers in Highlands,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 Highlands at $85 per month. At $5773 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	$498	$85
Selective	$624	$104
NJM	$950	$160
New Jersey Manufacturers	$1646	$274
Travelers	$2304	$388
Plymouth Rock	$2469	$416
Allstate	$2475	$417
Progressive	$2696	$454
Amica Mutual	$2911	$495
State Farm	$3193	$538
Farmers	$5773	$981

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 Highlands.

As young drivers face the highest rates in Highlands, NJM offers the cheapest auto insurance rates at $713 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 Highlands, Amica Mutual is the cheapest car insurance provider. At $607 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 Highlands is Farmers, offering rates of around $5215 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$607	$103
New Jersey Skylands Insurance	$763	$127
Foremost	$851	$145
NJM	$1028	$173
Progressive	$1039	$175
Plymouth Rock	$1348	$227
Allstate	$2304	$392
Travelers	$3315	$552
State Farm	$5043	$857
Farmers	$5215	$870

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

Car Insurance Rates with An Accident in Highlands

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

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

The cheapest car insurance companies after an at-fault accident in Highlands include New Jersey Skylands Insurance and NJM, offering $586 and $602, respectively. National General is an expensive provider with an average six-month premium of $404.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$586	$98
NJM	$602	$101
New Jersey Manufacturers	$757	$126
Plymouth Rock	$763	$128
Selective	$878	$146
Amica Mutual	$939	$158
Progressive	$1171	$197
State Farm	$1790	$301
Travelers	$1889	$318
Allstate	$2635	$444
Farmers	$4756	$792
National General	$404	$67

Highlands Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Highlands NJ. For example, the car insurance in Highlands after a DUI increases to $1172 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

Highlands auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1077	$179
One Med/PIP claim	$1083	$184
Not-at-fault accident	$1133	$189
One comp claim	$1144	$194
Two Med/PIP claims	$1149	$192
Speeding 6 - 10 MPH over limit	$1238	$210
Speeding 11 - 15 MPH over limit	$1243	$207
Two comp claims	$1243	$211
Failure to show documents	$1259	$210
At-fault accident - less than $1000	$1276	$217
Failure to wear a seat belt	$1293	$216
Driving too slowly	$1298	$220
Driving without lights	$1304	$218
Child safety restraint	$1326	$225
Driving with expired registration	$1326	$221
Wrong way/wrong lane	$1348	$229
Failure to yield	$1353	$226
Failure to stop at a red light	$1359	$231
Illegal turn	$1381	$231
Cell phone violation	$1398	$238
Texting while driving	$1398	$233
Speeding in school zone	$1420	$242
Operating a vehicle without permission	$1426	$237
Speeding 16 - 20 MPH over limit	$1426	$243
Improper passing	$1458	$243
Following too closely	$1464	$249
Passing school bus	$1524	$254
In 65 MPH zone	$1535	$261
Speeding 21 - 25 MPH over limit	$1586	$264
At-fault accident - $1000-$2000	$1629	$277
At-fault accident - greater than $2000	$1641	$273
Open container	$1834	$312
Reckless driving	$2149	$358
Leaving scene of an accident/hit and run	$2232	$379
DUI	$2249	$375
Refusal to submit to a chemical test	$2249	$382
Racing	$2254	$376
Driving with a suspended license	$2343	$398

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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 Highlands 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 Highlands.

The cheapest car insurance premiums in Highlands are offered by Plymouth Rock at $658 for a six-month policy. However, it can be as expensive as $4801 with companies like Amica Mutual.

Highlands car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$658	$111
NJM	$724	$122
Foremost	$746	$126
Progressive	$840	$141
Mercury	$862	$147
New Jersey Manufacturers	$928	$154
Selective	$983	$167
Allstate	$1403	$236
Travelers	$1464	$246
State Farm	$4271	$719
Farmers	$4729	$804
Amica Mutual	$4801	$800

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 Highlands are offered by Plymouth Rock at $602. However, it can be as expensive as $2176 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Highlands after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$602	$101
NJM	$763	$128
Progressive	$862	$145
State Farm	$1221	$207
Allstate	$1845	$308
Travelers	$1939	$330
Farmers	$2176	$363

Car Insurance Price Trends in Highlands, New Jersey

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

The average cost of full coverage in the Highlands rose by $229 in December compared to $226 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 Highlands rose to $80 in December, compared to $77 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 Highlands?

The car insurance in Highlands is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Highlands?

The cheapest car insurance in Highlands is $122 per month for full coverage.

How much is car insurance in Highlands for teenagers?

Car insurance for teenagers costs $498 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 Highlands?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $176 per month to insure your car in Highlands.

Is car insurance expensive in Highlands?

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

Cheapest Car Insurance Quotes in Highlands

Why you can trust Way?

How Much Is Car Insurance in Highlands

Avg. Car Insurance in Highlands

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Highlands

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Highlands Car Insurance Rates by Company

Cheap Car Insurance Companies in Highlands, NJ

Way's key takeaways about car insurance in Highlands

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Highlands

Cheapest Liability Coverage in Highlands, NJ

Cheapest Full Coverage Car Insurance in Highlands

Cheapest Full Coverage Car Insurance Quotes in Highlands, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Highlands by Rating Factor

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

Car Insurance Premiums by Age in Highlands

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Highlands,NJ

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

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 Highlands

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

Highlands Car Insurance Rates by Violation

Highlands auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Highlands after a DUI

Highlands car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Highlands after Speeding ticket

Car Insurance Price Trends in Highlands, New Jersey

Average Car Insurance Cost in Highlands by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Highlands, NJ

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

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