Cheapest Car Insurance Quotes in Laurence Harbor

Finding the cheapest car insurance quotes in Laurence Harbor shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Laurence Harbor Car Insurance

^$ 60

/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 Laurence Harbor

The car insurance rate in Laurence Harbor is $1144 for a six-month policy, which is $22 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $787, making it a popular choice for budget-conscious drivers. Rates in Laurence Harbor 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 Laurence Harbor

$1144

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Laurence Harbor

1st place: New Jersey Manufacturers

At $787 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 $939 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 $952 for six months, making it the third cheapest auto insurance company in Laurence Harbor.

Laurence Harbor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Laurence Harbor, NJ is New Jersey Manufacturers, offering policies at just $787 for a six-month term. This is followed by NJM, which has an average six-month premium of $939.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1036 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Laurence Harbor drivers find the best deals.

Cheap Car Insurance Companies in Laurence Harbor, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$787	$134
NJM	$939	$158
New Jersey Skylands Insurance	$952	$162
Progressive	$963	$162
Plymouth Rock	$1024	$172
Allstate	$1158	$195
Travelers	$1193	$201
State Farm	$1272	$214
Amica Mutual	$1333	$226
Selective	$1387	$232
Farmers	$1690	$288
National General	$1036	$176

Key Takeaways

Way's key takeaways about car insurance in Laurence Harbor

The auto insurance costs in Laurence Harbor fall around $787 for six months.
The cheapest auto insurance company in Laurence Harbor is New Jersey Manufacturers.
Teen drivers pay the highest rate in Laurence Harbor at $1076 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 Laurence Harbor

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 Laurence Harbor are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Laurence Harbor. Their Average 6 Month Premium is $363. National General is the most expensive at $381 for the same period.

Cheapest Liability Coverage in Laurence Harbor, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$363	$60
Plymouth Rock	$455	$77
Progressive	$455	$77
NJM	$491	$83
New Jersey Skylands Insurance	$533	$89
State Farm	$540	$91
Amica Mutual	$546	$91
Travelers	$546	$92
Amica	$624	$104
Selective	$660	$112
Allstate	$678	$114
Farmers	$1097	$187
National General	$381	$65

Cheapest Full Coverage Car Insurance in Laurence Harbor

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 Laurence Harbor is New Jersey Manufacturers at $134 per month and $787 for six months.

Cheapest Full Coverage Car Insurance Quotes in Laurence Harbor, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$787	$134
NJM	$939	$158
New Jersey Skylands Insurance	$952	$162
Progressive	$963	$162
Plymouth Rock	$1024	$172
Allstate	$1158	$195
Travelers	$1193	$201
State Farm	$1272	$214
Amica Mutual	$1333	$226
Selective	$1387	$232
Farmers	$1690	$288
National General	$1036	$176

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Laurence Harbor Instantly!

Average Car Insurance in Laurence Harbor 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 Laurence Harbor, NJ increasing?

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

Car Insurance Premiums by Age in Laurence Harbor

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	$782
30s	NJM	$608
40s	NJM	$563
50s	NJM	$519
60s	NJM	$478

Cheapest Car Insurance Rates for Teen Drivers in Laurence Harbor,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 Laurence Harbor at $93 per month. At $6331 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	$546	$93
Selective	$684	$114
NJM	$1042	$175
New Jersey Manufacturers	$1805	$301
Travelers	$2527	$425
Plymouth Rock	$2708	$456
Allstate	$2714	$457
Progressive	$2957	$498
Amica Mutual	$3193	$543
State Farm	$3502	$590
Farmers	$6331	$1076

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 Laurence Harbor.

As young drivers face the highest rates in Laurence Harbor, NJM offers the cheapest auto insurance rates at $782 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 Laurence Harbor, Amica Mutual is the cheapest car insurance provider. At $666 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 Laurence Harbor is Farmers, offering rates of around $5719 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$666	$113
New Jersey Skylands Insurance	$836	$140
Foremost	$933	$159
NJM	$1127	$190
Progressive	$1139	$192
Plymouth Rock	$1478	$249
Allstate	$2527	$429
Travelers	$3635	$606
State Farm	$5531	$940
Farmers	$5719	$954

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Laurence Harbor

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

Cheapest Car Insurance Companies after an At-Fault Accident in Laurence Harbor

The cheapest car insurance companies after an at-fault accident in Laurence Harbor include New Jersey Skylands Insurance and NJM, offering $643 and $660, respectively. National General is an expensive provider with an average six-month premium of $443.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$643	$107
NJM	$660	$111
New Jersey Manufacturers	$830	$139
Plymouth Rock	$836	$141
Selective	$963	$160
Amica Mutual	$1030	$173
Progressive	$1284	$216
State Farm	$1964	$330
Travelers	$2072	$349
Allstate	$2890	$487
Farmers	$5216	$869
National General	$443	$73

Laurence Harbor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Laurence Harbor NJ. For example, the car insurance in Laurence Harbor after a DUI increases to $1285 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.

Laurence Harbor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1181	$197
One Med/PIP claim	$1187	$202
Not-at-fault accident	$1242	$207
One comp claim	$1255	$213
Two Med/PIP claims	$1261	$210
Speeding 6 - 10 MPH over limit	$1358	$231
Speeding 11 - 15 MPH over limit	$1364	$227
Two comp claims	$1364	$232
Failure to show documents	$1381	$231
At-fault accident - less than $1000	$1399	$238
Failure to wear a seat belt	$1418	$237
Driving too slowly	$1424	$242
Driving without lights	$1430	$239
Child safety restraint	$1455	$247
Driving with expired registration	$1455	$243
Wrong way/wrong lane	$1478	$251
Failure to yield	$1484	$248
Failure to stop at a red light	$1490	$253
Illegal turn	$1515	$253
Cell phone violation	$1533	$261
Texting while driving	$1533	$255
Speeding in school zone	$1558	$265
Operating a vehicle without permission	$1564	$260
Speeding 16 - 20 MPH over limit	$1564	$266
Improper passing	$1599	$266
Following too closely	$1605	$273
Passing school bus	$1672	$278
In 65 MPH zone	$1684	$287
Speeding 21 - 25 MPH over limit	$1739	$290
At-fault accident - $1000-$2000	$1787	$304
At-fault accident - greater than $2000	$1799	$300
Open container	$2011	$342
Reckless driving	$2357	$393
Leaving scene of an accident/hit and run	$2448	$416
DUI	$2466	$411
Refusal to submit to a chemical test	$2466	$419
Racing	$2472	$412
Driving with a suspended license	$2569	$437

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Laurence Harbor 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 Laurence Harbor.

The cheapest car insurance premiums in Laurence Harbor are offered by Plymouth Rock at $721 for a six-month policy. However, it can be as expensive as $5265 with companies like Amica Mutual.

Laurence Harbor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$721	$121
NJM	$794	$134
Foremost	$818	$139
Progressive	$921	$155
Mercury	$946	$161
New Jersey Manufacturers	$1018	$169
Selective	$1078	$184
Allstate	$1539	$259
Travelers	$1605	$270
State Farm	$4684	$788
Farmers	$5187	$882
Amica Mutual	$5265	$877

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 Laurence Harbor are offered by Plymouth Rock at $660. However, it can be as expensive as $2387 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Laurence Harbor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$660	$111
NJM	$836	$141
Progressive	$946	$159
State Farm	$1339	$227
Allstate	$2024	$338
Travelers	$2127	$362
Farmers	$2387	$398

Car Insurance Price Trends in Laurence Harbor, New Jersey

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

The average cost of full coverage in the Laurence Harbor rose by $251 in December compared to $248 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 Laurence Harbor rose to $88 in December, compared to $85 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Laurence Harbor?

The car insurance in Laurence Harbor is $60 per month, which is lower than the national average.

What is the cheapest car insurance in Laurence Harbor?

The cheapest car insurance in Laurence Harbor is $134 per month for full coverage.

How much is car insurance in Laurence Harbor for teenagers?

Car insurance for teenagers costs $546 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 Laurence Harbor?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $193 per month to insure your car in Laurence Harbor.

Is car insurance expensive in Laurence Harbor?

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

Cheapest Car Insurance Quotes in Laurence Harbor

Why you can trust Way?

How Much Is Car Insurance in Laurence Harbor

Avg. Car Insurance in Laurence Harbor

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Laurence Harbor

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Laurence Harbor Car Insurance Rates by Company

Cheap Car Insurance Companies in Laurence Harbor, NJ

Way's key takeaways about car insurance in Laurence Harbor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Laurence Harbor

Cheapest Liability Coverage in Laurence Harbor, NJ

Cheapest Full Coverage Car Insurance in Laurence Harbor

Cheapest Full Coverage Car Insurance Quotes in Laurence Harbor, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Laurence Harbor by Rating Factor

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

Car Insurance Premiums by Age in Laurence Harbor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Laurence Harbor,NJ

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

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 Laurence Harbor

Cheapest Car Insurance Companies after an At-Fault Accident in Laurence Harbor

Laurence Harbor Car Insurance Rates by Violation

Laurence Harbor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Laurence Harbor after a DUI

Laurence Harbor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Laurence Harbor after Speeding ticket

Car Insurance Price Trends in Laurence Harbor, New Jersey

Average Car Insurance Cost in Laurence Harbor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Laurence Harbor, NJ

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

Featured Blogs

Data Sources