We use essential cookies to make our site work. With your consent, we may also use non-essential cookies to improve user experience, personalize content, and analyze website traffic. For these reasons, we may share your site usage data with our analytics partners. By clicking “Accept,” you agree to our website's cookie use as described in our Cookie Policy. You can change your cookie settings at any time by clicking “Preferences.”
Finding the cheapest car insurance quotes in Little York 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.
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 Little York
The car insurance rate in Little York is $987 for a six-month policy, which is $135 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $679, making it a popular choice for budget-conscious drivers. Rates in Little York 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.
At $679 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 $810 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 $821
for six months, making it
the third cheapest auto insurance company in Little York.
Little York Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Little York, NJ is New Jersey Manufacturers, offering policies at just $679 for a six-month term. This is followed by NJM, which has an average six-month premium of $810.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $894 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Little York drivers find the best deals.
Way's key takeaways about car insurance in Little York
The auto insurance costs in Little York fall around $679 for six
months.
The cheapest auto insurance company in Little York is New Jersey Manufacturers.
Teen drivers pay the highest rate in Little York at $928 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 Little York
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 Little York are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Little York. Their Average 6 Month Premium is $313.
National General is the most
expensive at $329 for the same
period.
Cheapest Full Coverage Car Insurance in Little York
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 Little York is New Jersey Manufacturers
at $115 per month and $679
for six months.
Cheapest Full Coverage Car Insurance Quotes in Little York,
NJ
Get Your Car Insurance Quote in Little York
Instantly!
Average Car Insurance in Little York 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 Little York, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Little York, 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, Little York's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Little York
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
$675
30s
NJM
$524
40s
NJM
$486
50s
NJM
$448
60s
NJM
$413
Cheapest Car Insurance Rates for Teen Drivers in
Little York,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 Little York at $80
per
month. At $5462 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in Little York.
As young drivers face the highest rates in Little York, NJM
offers the cheapest auto insurance rates at $675 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 Little York,
Amica Mutual is
the cheapest car insurance provider. At $575 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
Little York is Farmers, offering
rates of around $4934 for six
months.
Save up to $971/yr on car insurance rates in Little York.
Car Insurance Rates with An Accident in Little York
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 Little York, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Little York
The cheapest car insurance companies after an at-fault accident in
Little York include New Jersey Skylands Insurance
and NJM, offering $554
and $569,
respectively. National General is an expensive provider
with an average six-month premium of
$382.
Here is a list of driving violations that can increase your car
insurance rates in Little York NJ. For example, the car
insurance in Little York
after a DUI increases to $1109 for a six
month policy. While the rate increases by $152 for a six-month policy in the case of
a speeding ticket.
Little York auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1019
$170
One Med/PIP claim
$1024
$174
Not-at-fault accident
$1072
$179
One comp claim
$1082
$184
Two Med/PIP claims
$1088
$181
Speeding 6 - 10 MPH over limit
$1171
$199
Speeding 11 - 15 MPH over limit
$1177
$196
Two comp claims
$1177
$200
Failure to show documents
$1192
$199
At-fault accident - less than $1000
$1207
$205
Failure to wear a seat belt
$1223
$204
Driving too slowly
$1228
$209
Driving without lights
$1234
$206
Child safety restraint
$1255
$213
Driving with expired registration
$1255
$209
Wrong way/wrong lane
$1275
$216
Failure to yield
$1280
$214
Failure to stop at a red light
$1286
$218
Illegal turn
$1307
$218
Cell phone violation
$1323
$225
Texting while driving
$1323
$220
Speeding in school zone
$1344
$229
Operating a vehicle without permission
$1349
$224
Speeding 16 - 20 MPH over limit
$1349
$230
Improper passing
$1380
$230
Following too closely
$1385
$236
Passing school bus
$1442
$240
In 65 MPH zone
$1453
$247
Speeding 21 - 25 MPH over limit
$1500
$250
At-fault accident - $1000-$2000
$1542
$262
At-fault accident - greater than $2000
$1552
$259
Open container
$1735
$295
Reckless driving
$2034
$339
Leaving scene of an accident/hit and run
$2112
$359
DUI
$2128
$355
Refusal to submit to a chemical test
$2128
$362
Racing
$2133
$356
Driving with a suspended license
$2217
$377
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 Little York 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 Little York.
The cheapest car insurance premiums in
Little York are
offered by Plymouth Rock at $622 for a six-month policy.
However, it can be as
expensive as $4543 with companies
like Amica Mutual.
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 Little York are offered by Plymouth Rock
at $569. However,
it can be as expensive as $2059
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Little York after Speeding ticket
Car Insurance Price Trends in Little York,
New Jersey
Car insurance rates in Little York have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Little York rose by
$216 in December
compared to $214 of November. In other words, there has been an increase by $2 when you
compare December and November.
The average cost of liability insurance in the Little York rose to $76 in December,
compared to $73 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Little York by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Little York. At $N/A for a
six-month policy, insuring
your car at N/A is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
undefined
Frequently Asked Questions
How much is car insurance in Little York?
The car insurance in Little York is $52 per month, which is lower than the national average.
What is the cheapest car insurance in Little York?
The cheapest car insurance in Little York
is $115 per month
for full coverage.
How much is car insurance in Little York for teenagers?
Car insurance for teenagers costs $471 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
Little York?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $166 per month to insure your
car in Little York.
Is car insurance expensive in Little York?
Car insurance can be expensive in Little York if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Little York can be
affordable.
What is the best car insurance in Little York,
NJ?
The best car insurance company in Little York
NJ is
New Jersey Manufacturers, offering $679 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in Little York right now.
Find Car Insurance Rates in Cities Near Little York, NJ
Car Insurance Rates by State in the USA (2025 Update)
Little York Car Insurance
