Cheapest Car Insurance Quotes in Magnolia

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Magnolia Car Insurance

^$ 57

/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 Magnolia

The car insurance rate in Magnolia is $1088 for a six-month policy, which is $34 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $749, making it a popular choice for budget-conscious drivers. Rates in Magnolia 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 Magnolia

$1088

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Magnolia

1st place: New Jersey Manufacturers

At $749 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 $893 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 $905 for six months, making it the third cheapest auto insurance company in Magnolia.

Magnolia Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Magnolia, NJ is New Jersey Manufacturers, offering policies at just $749 for a six-month term. This is followed by NJM, which has an average six-month premium of $893.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $986 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Magnolia drivers find the best deals.

Cheap Car Insurance Companies in Magnolia, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$749	$127
NJM	$893	$150
New Jersey Skylands Insurance	$905	$154
Progressive	$916	$154
Plymouth Rock	$974	$164
Allstate	$1101	$185
Travelers	$1135	$191
State Farm	$1210	$204
Amica Mutual	$1268	$215
Selective	$1319	$220
Farmers	$1607	$274
National General	$986	$168

Key Takeaways

Way's key takeaways about car insurance in Magnolia

The auto insurance costs in Magnolia fall around $749 for six months.
The cheapest auto insurance company in Magnolia is New Jersey Manufacturers.
Teen drivers pay the highest rate in Magnolia at $1023 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Magnolia

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 Magnolia are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Magnolia. Their Average 6 Month Premium is $345. National General is the most expensive at $363 for the same period.

Cheapest Liability Coverage in Magnolia, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$345	$57
Plymouth Rock	$433	$73
Progressive	$433	$73
NJM	$467	$79
New Jersey Skylands Insurance	$507	$84
State Farm	$513	$86
Amica Mutual	$519	$86
Travelers	$519	$87
Amica	$594	$99
Selective	$628	$107
Allstate	$645	$109
Farmers	$1043	$178
National General	$363	$62

Cheapest Full Coverage Car Insurance in Magnolia

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 Magnolia is New Jersey Manufacturers at $127 per month and $749 for six months.

Cheapest Full Coverage Car Insurance Quotes in Magnolia, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$749	$127
NJM	$893	$150
New Jersey Skylands Insurance	$905	$154
Progressive	$916	$154
Plymouth Rock	$974	$164
Allstate	$1101	$185
Travelers	$1135	$191
State Farm	$1210	$204
Amica Mutual	$1268	$215
Selective	$1319	$220
Farmers	$1607	$274
National General	$986	$168

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Average Car Insurance in Magnolia 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 Magnolia, NJ increasing?

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

Car Insurance Premiums by Age in Magnolia

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	$744
30s	NJM	$578
40s	NJM	$535
50s	NJM	$494
60s	NJM	$455

Cheapest Car Insurance Rates for Teen Drivers in Magnolia,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 Magnolia at $88 per month. At $6021 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	$519	$88
Selective	$651	$109
NJM	$991	$167
New Jersey Manufacturers	$1717	$286
Travelers	$2403	$404
Plymouth Rock	$2575	$434
Allstate	$2581	$435
Progressive	$2812	$473
Amica Mutual	$3036	$516
State Farm	$3330	$561
Farmers	$6021	$1023

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 Magnolia.

As young drivers face the highest rates in Magnolia, NJM offers the cheapest auto insurance rates at $744 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 Magnolia, Amica Mutual is the cheapest car insurance provider. At $633 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 Magnolia is Farmers, offering rates of around $5439 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$633	$108
New Jersey Skylands Insurance	$795	$133
Foremost	$888	$151
NJM	$1072	$180
Progressive	$1083	$182
Plymouth Rock	$1406	$237
Allstate	$2403	$408
Travelers	$3457	$576
State Farm	$5260	$894
Farmers	$5439	$907

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

Car Insurance Rates with An Accident in Magnolia

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

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

The cheapest car insurance companies after an at-fault accident in Magnolia include New Jersey Skylands Insurance and NJM, offering $611 and $628, respectively. National General is an expensive provider with an average six-month premium of $421.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$611	$102
NJM	$628	$106
New Jersey Manufacturers	$790	$132
Plymouth Rock	$795	$134
Selective	$916	$152
Amica Mutual	$980	$165
Progressive	$1221	$206
State Farm	$1867	$314
Travelers	$1970	$332
Allstate	$2748	$463
Farmers	$4961	$826
National General	$421	$70

Magnolia Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Magnolia NJ. For example, the car insurance in Magnolia after a DUI increases to $1222 for a six month policy. While the rate increases by $168 for a six-month policy in the case of a speeding ticket.

Magnolia auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1123	$187
One Med/PIP claim	$1129	$192
Not-at-fault accident	$1181	$197
One comp claim	$1193	$203
Two Med/PIP claims	$1199	$200
Speeding 6 - 10 MPH over limit	$1291	$219
Speeding 11 - 15 MPH over limit	$1297	$216
Two comp claims	$1297	$220
Failure to show documents	$1313	$219
At-fault accident - less than $1000	$1331	$226
Failure to wear a seat belt	$1348	$225
Driving too slowly	$1354	$230
Driving without lights	$1360	$227
Child safety restraint	$1383	$235
Driving with expired registration	$1383	$231
Wrong way/wrong lane	$1406	$239
Failure to yield	$1411	$236
Failure to stop at a red light	$1417	$241
Illegal turn	$1440	$241
Cell phone violation	$1458	$248
Texting while driving	$1458	$243
Speeding in school zone	$1481	$252
Operating a vehicle without permission	$1487	$247
Speeding 16 - 20 MPH over limit	$1487	$253
Improper passing	$1521	$253
Following too closely	$1527	$260
Passing school bus	$1590	$265
In 65 MPH zone	$1601	$273
Speeding 21 - 25 MPH over limit	$1654	$275
At-fault accident - $1000-$2000	$1699	$289
At-fault accident - greater than $2000	$1711	$285
Open container	$1913	$325
Reckless driving	$2242	$373
Leaving scene of an accident/hit and run	$2328	$396
DUI	$2345	$391
Refusal to submit to a chemical test	$2345	$399
Racing	$2351	$392
Driving with a suspended license	$2443	$415

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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 Magnolia 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 Magnolia.

The cheapest car insurance premiums in Magnolia are offered by Plymouth Rock at $686 for a six-month policy. However, it can be as expensive as $5007 with companies like Amica Mutual.

Magnolia car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$686	$115
NJM	$755	$127
Foremost	$778	$132
Progressive	$876	$147
Mercury	$899	$153
New Jersey Manufacturers	$968	$161
Selective	$1025	$175
Allstate	$1464	$246
Travelers	$1527	$257
State Farm	$4454	$750
Farmers	$4932	$839
Amica Mutual	$5007	$834

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 Magnolia are offered by Plymouth Rock at $628. However, it can be as expensive as $2270 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Magnolia after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$628	$106
NJM	$795	$134
Progressive	$899	$151
State Farm	$1274	$216
Allstate	$1924	$321
Travelers	$2022	$344
Farmers	$2270	$378

Car Insurance Price Trends in Magnolia, New Jersey

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

The average cost of full coverage in the Magnolia rose by $239 in December compared to $236 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 Magnolia rose to $83 in December, compared to $81 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Magnolia?

The car insurance in Magnolia is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Magnolia?

The cheapest car insurance in Magnolia is $127 per month for full coverage.

How much is car insurance in Magnolia for teenagers?

Car insurance for teenagers costs $519 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 Magnolia?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $183 per month to insure your car in Magnolia.

Is car insurance expensive in Magnolia?

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

Cheapest Car Insurance Quotes in Magnolia

Why you can trust Way?

How Much Is Car Insurance in Magnolia

Avg. Car Insurance in Magnolia

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Magnolia

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Magnolia Car Insurance Rates by Company

Cheap Car Insurance Companies in Magnolia, NJ

Way's key takeaways about car insurance in Magnolia

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Magnolia

Cheapest Liability Coverage in Magnolia, NJ

Cheapest Full Coverage Car Insurance in Magnolia

Cheapest Full Coverage Car Insurance Quotes in Magnolia, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Magnolia by Rating Factor

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

Car Insurance Premiums by Age in Magnolia

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Magnolia,NJ

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

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 Magnolia

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

Magnolia Car Insurance Rates by Violation

Magnolia auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Magnolia after a DUI

Magnolia car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Magnolia after Speeding ticket

Car Insurance Price Trends in Magnolia, New Jersey

Average Car Insurance Cost in Magnolia by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Magnolia, NJ

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