Cheapest Car Insurance Quotes in Kinnelon

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Kinnelon 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 Kinnelon

The car insurance rate in Kinnelon is $1114 for a six-month policy, which is $124 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $695, making it a popular choice for budget-conscious drivers. Rates in Kinnelon 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 Kinnelon

$1114

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Kinnelon

1st place: New Jersey Manufacturers

At $695 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 $840 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $850 for six months, making it the third cheapest auto insurance company in Kinnelon.

Kinnelon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Kinnelon, NJ is New Jersey Manufacturers, offering policies at just $695 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $840.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1855 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Kinnelon drivers find the best deals.

Cheap Car Insurance Companies in Kinnelon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$695	$116
New Jersey Skylands Insurance	$840	$143
NJM	$850	$143
Plymouth Rock	$925	$156
Progressive	$973	$164
Travelers	$1037	$175
Amica Mutual	$1176	$196
Allstate	$1213	$204
State Farm	$1310	$221
Selective	$1384	$233
Farmers	$1855	$310

Key Takeaways

Way's key takeaways about car insurance in Kinnelon

The auto insurance costs in Kinnelon fall around $695 for six months.
The cheapest auto insurance company in Kinnelon is New Jersey Manufacturers.
Teen drivers pay the highest rate in Kinnelon at $941 per month.

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Cheapest Minimum Liability Car Insurance in Kinnelon

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 Kinnelon are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Kinnelon. Their Average 6 Month Premium is $320. Farmers is the most expensive at $925 for the same period.

Cheapest Liability Coverage in Kinnelon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$320	$55
Plymouth Rock	$433	$73
NJM	$444	$75
New Jersey Skylands Insurance	$471	$78
Amica Mutual	$482	$82
Amica	$551	$92
Progressive	$551	$93
Travelers	$567	$95
State Farm	$593	$100
Allstate	$658	$111
Selective	$733	$123
Farmers	$925	$154

Cheapest Full Coverage Car Insurance in Kinnelon

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 Kinnelon is New Jersey Manufacturers at $116 per month and $695 for six months.

Cheapest Full Coverage Car Insurance Quotes in Kinnelon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$695	$116
New Jersey Skylands Insurance	$840	$143
NJM	$850	$143
Plymouth Rock	$925	$156
Progressive	$973	$164
Travelers	$1037	$175
Amica Mutual	$1176	$196
Allstate	$1213	$204
State Farm	$1310	$221
Selective	$1384	$233
Farmers	$1855	$310

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Average Car Insurance in Kinnelon 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 Kinnelon, NJ increasing?

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

Car Insurance Premiums by Age in Kinnelon

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	$690
30s	NJM	$536
40s	NJM	$497
50s	NJM	$458
60s	NJM	$422

Cheapest Car Insurance Rates for Teen Drivers in Kinnelon,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 Kinnelon at $82 per month. At $5539 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	$482	$82
NJM	$962	$162
New Jersey Manufacturers	$1593	$271
Travelers	$2246	$378
Selective	$2433	$410
Plymouth Rock	$2524	$425
Amica Mutual	$2817	$479
Allstate	$3058	$515
Progressive	$3090	$520
State Farm	$3662	$617
Farmers	$5539	$941

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 Kinnelon.

As young drivers face the highest rates in Kinnelon, NJM offers the cheapest auto insurance rates at $690 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 Kinnelon, Amica Mutual is the cheapest car insurance provider. At $588 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 Kinnelon is State Farm, offering rates of around $6506 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$588	$100
New Jersey Skylands Insurance	$738	$123
Foremost	$824	$140
NJM	$1031	$174
Progressive	$1326	$223
Plymouth Rock	$1369	$230
Farmers	$2459	$419
Selective	$2844	$474
Travelers	$3037	$517
Allstate	$3181	$530
State Farm	$6506	$1106

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

Car Insurance Rates with An Accident in Kinnelon

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

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

The cheapest car insurance companies after an at-fault accident in Kinnelon include New Jersey Skylands Insurance and NJM, offering $567 and $604, respectively. Farmers is an expensive provider with an average six-month premium of $3593.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$567	$95
NJM	$604	$102
New Jersey Manufacturers	$733	$122
Plymouth Rock	$764	$129
Amica Mutual	$909	$153
Progressive	$1278	$215
Selective	$1733	$292
Travelers	$1775	$299
State Farm	$2053	$346
Allstate	$3208	$540
Farmers	$3593	$599

Kinnelon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Kinnelon NJ. For example, the car insurance in Kinnelon after a DUI increases to $1134 for a six month policy. While the rate increases by $156 for a six-month policy in the case of a speeding ticket.

Kinnelon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1042	$174
One Med/PIP claim	$1048	$178
Not-at-fault accident	$1096	$183
One comp claim	$1107	$188
Two Med/PIP claims	$1112	$185
Speeding 6 - 10 MPH over limit	$1198	$203
Speeding 11 - 15 MPH over limit	$1203	$201
Two comp claims	$1203	$204
Failure to show documents	$1219	$203
At-fault accident - less than $1000	$1235	$210
Failure to wear a seat belt	$1251	$209
Driving too slowly	$1256	$213
Driving without lights	$1262	$211
Child safety restraint	$1283	$218
Driving with expired registration	$1283	$214
Wrong way/wrong lane	$1304	$221
Failure to yield	$1310	$219
Failure to stop at a red light	$1315	$223
Illegal turn	$1337	$223
Cell phone violation	$1353	$230
Texting while driving	$1353	$225
Speeding in school zone	$1374	$234
Operating a vehicle without permission	$1380	$230
Speeding 16 - 20 MPH over limit	$1380	$235
Improper passing	$1411	$235
Following too closely	$1417	$241
Passing school bus	$1475	$246
In 65 MPH zone	$1486	$253
Speeding 21 - 25 MPH over limit	$1535	$256
At-fault accident - $1000-$2000	$1577	$268
At-fault accident - greater than $2000	$1588	$265
Open container	$1775	$302
Reckless driving	$2080	$347
Leaving scene of an accident/hit and run	$2160	$367
DUI	$2176	$363
Refusal to submit to a chemical test	$2176	$370
Racing	$2182	$364
Driving with a suspended license	$2267	$385

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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 Kinnelon 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 Kinnelon.

The cheapest car insurance premiums in Kinnelon are offered by Plymouth Rock at $658 for a six-month policy. However, it can be as expensive as $4913 with companies like State Farm.

Kinnelon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$658	$111
Foremost	$722	$121
NJM	$727	$122
Mercury	$834	$139
New Jersey Manufacturers	$898	$153
Progressive	$914	$154
Travelers	$1380	$232
Allstate	$1652	$278
Selective	$2031	$342
Farmers	$2342	$391
Amica Mutual	$4646	$790
State Farm	$4913	$827

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 Kinnelon are offered by Plymouth Rock at $609. However, it can be as expensive as $3144 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Kinnelon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$609	$103
NJM	$775	$131
Progressive	$1069	$180
Selective	$1540	$257
State Farm	$1561	$266
Travelers	$1791	$299
Allstate	$2609	$444
Farmers	$3144	$524

Car Insurance Price Trends in Kinnelon, New Jersey

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

The average cost of full coverage in the Kinnelon rose by $261 in January compared to $221 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Kinnelon rose to $87 in January, compared to $77 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Kinnelon?

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

What is the cheapest car insurance in Kinnelon?

The cheapest car insurance in Kinnelon is $116 per month for full coverage.

How much is car insurance in Kinnelon for teenagers?

Car insurance for teenagers costs $482 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 Kinnelon?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $187 per month to insure your car in Kinnelon.

Is car insurance expensive in Kinnelon?

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

Cheapest Car Insurance Quotes in Kinnelon

Why you can trust Way?

How Much Is Car Insurance in Kinnelon

Avg. Car Insurance in Kinnelon

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Kinnelon

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Kinnelon Car Insurance Rates by Company

Cheap Car Insurance Companies in Kinnelon, NJ

Way's key takeaways about car insurance in Kinnelon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Kinnelon

Cheapest Liability Coverage in Kinnelon, NJ

Cheapest Full Coverage Car Insurance in Kinnelon

Cheapest Full Coverage Car Insurance Quotes in Kinnelon, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Kinnelon by Rating Factor

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

Car Insurance Premiums by Age in Kinnelon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Kinnelon,NJ

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

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 Kinnelon

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

Kinnelon Car Insurance Rates by Violation

Kinnelon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Kinnelon after a DUI

Kinnelon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Kinnelon after Speeding ticket

Car Insurance Price Trends in Kinnelon, New Jersey

Average Car Insurance Cost in Kinnelon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Kinnelon, NJ

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

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