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Cheapest Car Insurance Quotes in Manchester Township
Finding the cheapest car insurance quotes in Manchester Township 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 Manchester Township
The car insurance rate in Manchester Township is $1176 for a six-month policy, which is $62 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $733, making it a popular choice for budget-conscious drivers. Rates in Manchester Township 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.
Cheapest Car Insurance Companies in Manchester Township
1st place: New Jersey Manufacturers
At $733 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 $886 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: NJM
NJM offers auto insurance
rates at $897
for six months, making it
the third cheapest auto insurance company in Manchester Township.
Manchester Township Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Manchester Township, NJ is New Jersey Manufacturers, offering policies at just $733 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $886.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1958 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Manchester Township drivers find the best deals.
Cheap Car Insurance Companies in Manchester Township, NJ
Way's key takeaways about car insurance in Manchester Township
The auto insurance costs in Manchester Township fall around $733 for six
months.
The cheapest auto insurance company in Manchester Township is New Jersey Manufacturers.
Teen drivers pay the highest rate in Manchester Township at $994 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 Manchester Township
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 Manchester Township are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Manchester Township. Their Average 6 Month Premium is $338.
Farmers is the most
expensive at $977 for the same
period.
Cheapest Liability Coverage in Manchester Township, NJ
Cheapest Full Coverage Car Insurance in Manchester Township
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 Manchester Township is New Jersey Manufacturers
at $123 per month and $733
for six months.
Cheapest Full Coverage Car Insurance Quotes in Manchester Township,
NJ
Get Your Car Insurance Quote in Manchester Township
Instantly!
Average Car Insurance in Manchester Township 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 Manchester Township, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Manchester Township, 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, Manchester Township's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Manchester Township
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
Cheapest Car Insurance Rates for Teen Drivers in
Manchester Township,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 Manchester Township at $86
per
month. At $5846 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 Manchester Township.
As young drivers face the highest rates in Manchester Township, NJM
offers the cheapest auto insurance rates at $729 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 Manchester Township,
Amica Mutual is
the cheapest car insurance provider. At $620 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
Manchester Township is State Farm, offering
rates of around $6868 for six
months.
Save up to $971/yr on car insurance rates in Manchester Township.
Car Insurance Rates with An Accident in Manchester Township
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 Manchester Township, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Manchester Township
The cheapest car insurance companies after an at-fault accident in
Manchester Township include New Jersey Skylands Insurance
and NJM, offering $599
and $637,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3792.
Manchester Township Car Insurance Rates by
Violation
Here is a list of driving violations that can increase your car
insurance rates in Manchester Township NJ. For example, the car
insurance in Manchester Township
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.
Manchester Township 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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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 Manchester Township 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 Manchester Township.
The cheapest car insurance premiums in
Manchester Township are
offered by Plymouth Rock at $694 for a six-month policy.
However, it can be as
expensive as $5186 with companies
like State Farm.
Manchester Township car insurance quotes with a DUI
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 Manchester Township are offered by Plymouth Rock
at $643. However,
it can be as expensive as $3318
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Manchester Township after Speeding ticket
Car Insurance Price Trends in Manchester Township,
New Jersey
Car insurance rates in Manchester Township have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Manchester Township rose by
$276 in January
compared to $234 of December. In other words, there has been an increase by $42 when you
compare January and December.
The average cost of liability insurance in the Manchester Township rose to $92 in January,
compared to $82 in December.
This represents an increase of $10
when comparing January and December.
Average Car Insurance Cost in Manchester Township 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
Manchester Township. At $2352 for a
six-month policy, insuring
your car at 8759 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Manchester Township?
The car insurance in Manchester Township is $58 per month, which is lower than the national average.
What is the cheapest car insurance in Manchester Township?
The cheapest car insurance in Manchester Township
is $123 per month
for full coverage.
How much is car insurance in Manchester Township for teenagers?
Car insurance for teenagers costs $508 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
Manchester Township?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $198 per month to insure your
car in Manchester Township.
Is car insurance expensive in Manchester Township?
Car insurance can be expensive in Manchester Township if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Manchester Township can be
affordable.
What is the best car insurance in Manchester Township,
NJ?
The best car insurance company in Manchester Township
NJ is
New Jersey Manufacturers, offering $733 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Manchester Township, NJ
Car Insurance Rates by State in the USA (2025 Update)
Manchester Township Car Insurance
