Cheapest Car Insurance Quotes in Ho-Ho-Kus

Cheapest Minimum Liability Car Insurance in Ho-Ho-Kus

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 Ho-Ho-Kus are given below. 

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Ho-Ho-Kus. Their Average 6 Month Premium is $338. Farmers is the most expensive at $977 for the same period. 

Cheapest Liability Coverage in Ho-Ho-Kus, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$338	$58
Plymouth Rock	$457	$77
NJM	$468	$79
New Jersey Skylands Insurance	$497	$83
Amica Mutual	$508	$86
Amica	$581	$97
Progressive	$581	$98
Travelers	$599	$101
State Farm	$626	$105
Allstate	$694	$117
Selective	$773	$130
Farmers	$977	$162

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Cheapest Full Coverage Car Insurance in Ho-Ho-Kus

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 Ho-Ho-Kus is New Jersey Manufacturers at $123 per month and $733 for six months. 

Cheapest Full Coverage Car Insurance Quotes in Ho-Ho-Kus, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$733	$123
New Jersey Skylands Insurance	$886	$151
NJM	$897	$151
Plymouth Rock	$977	$164
Progressive	$1027	$173
Travelers	$1094	$184
Amica Mutual	$1242	$207
Allstate	$1281	$216
State Farm	$1382	$233
Selective	$1461	$246
Farmers	$1958	$327

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Car Insurance Premiums by Age in Ho-Ho-Kus

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	$729
30s	NJM	$566
40s	NJM	$524
50s	NJM	$484
60s	NJM	$446

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Ho-Ho-Kus Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ho-Ho-Kus NJ. For example, the car insurance in Ho-Ho-Kus after a DUI increases to $1197 for a six month policy. While the rate increases by $164 for a six-month policy in the case of a speeding ticket.  

Ho-Ho-Kus auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1100	$183
One Med/PIP claim	$1106	$188
Not-at-fault accident	$1157	$193
One comp claim	$1169	$199
Two Med/PIP claims	$1174	$196
Speeding 6 - 10 MPH over limit	$1264	$215
Speeding 11 - 15 MPH over limit	$1270	$212
Two comp claims	$1270	$216
Failure to show documents	$1286	$215
At-fault accident - less than $1000	$1303	$221
Failure to wear a seat belt	$1321	$220
Driving too slowly	$1326	$225
Driving without lights	$1332	$222
Child safety restraint	$1355	$230
Driving with expired registration	$1355	$226
Wrong way/wrong lane	$1377	$234
Failure to yield	$1382	$231
Failure to stop at a red light	$1388	$236
Illegal turn	$1411	$236
Cell phone violation	$1428	$243
Texting while driving	$1428	$238
Speeding in school zone	$1451	$247
Operating a vehicle without permission	$1456	$242
Speeding 16 - 20 MPH over limit	$1456	$248
Improper passing	$1490	$248
Following too closely	$1495	$255
Passing school bus	$1557	$259
In 65 MPH zone	$1568	$267
Speeding 21 - 25 MPH over limit	$1620	$270
At-fault accident - $1000-$2000	$1664	$283
At-fault accident - greater than $2000	$1676	$279
Open container	$1873	$318
Reckless driving	$2195	$366
Leaving scene of an accident/hit and run	$2280	$388
DUI	$2297	$383
Refusal to submit to a chemical test	$2297	$390
Racing	$2303	$384
Driving with a suspended license	$2393	$407

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