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Finding the cheapest car insurance quotes in Maplewood 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 Maplewood
The car insurance rate in Maplewood is $1572 for a six-month policy, which is $334 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $980, making it a popular choice for budget-conscious drivers. Rates in Maplewood 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 $980 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 $1185 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: NJM
NJM offers auto insurance
rates at $1199
for six months, making it
the third cheapest auto insurance company in Maplewood.
Maplewood Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Maplewood, NJ is New Jersey Manufacturers, offering policies at just $980 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1185.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2617 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Maplewood drivers find the best deals.
Way's key takeaways about car insurance in Maplewood
The auto insurance costs in Maplewood fall around $980 for six
months.
The cheapest auto insurance company in Maplewood is New Jersey Manufacturers.
Teen drivers pay the highest rate in Maplewood at $1328 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 Maplewood
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 Maplewood are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Maplewood. Their Average 6 Month Premium is $452.
Farmers is the most
expensive at $1306 for the same
period.
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 Maplewood is New Jersey Manufacturers
at $164 per month and $980
for six months.
Cheapest Full Coverage Car Insurance Quotes in Maplewood,
NJ
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Average Car Insurance in Maplewood 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 Maplewood, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Maplewood, 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, Maplewood's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Maplewood
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
$974
30s
NJM
$757
40s
NJM
$701
50s
NJM
$646
60s
NJM
$596
Cheapest Car Insurance Rates for Teen Drivers in
Maplewood,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 Maplewood at $116
per
month. At $7816 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 Maplewood.
As young drivers face the highest rates in Maplewood, NJM
offers the cheapest auto insurance rates at $974 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 Maplewood,
Amica Mutual is
the cheapest car insurance provider. At $829 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
Maplewood is State Farm, offering
rates of around $9181 for six
months.
Save up to $971/yr on car insurance rates in Maplewood.
Car Insurance Rates with An Accident in Maplewood
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 Maplewood, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Maplewood
The cheapest car insurance companies after an at-fault accident in
Maplewood include New Jersey Skylands Insurance
and NJM, offering $800
and $852,
respectively. Farmers is an expensive provider
with an average six-month premium of
$5070.
Here is a list of driving violations that can increase your car
insurance rates in Maplewood NJ. For example, the car
insurance in Maplewood
after a DUI increases to $1600 for a six
month policy. While the rate increases by $219 for a six-month policy in the case of
a speeding ticket.
Maplewood auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1471
$245
One Med/PIP claim
$1478
$251
Not-at-fault accident
$1547
$258
One comp claim
$1562
$265
Two Med/PIP claims
$1570
$262
Speeding 6 - 10 MPH over limit
$1690
$287
Speeding 11 - 15 MPH over limit
$1698
$283
Two comp claims
$1698
$288
Failure to show documents
$1720
$287
At-fault accident - less than $1000
$1742
$296
Failure to wear a seat belt
$1765
$295
Driving too slowly
$1773
$301
Driving without lights
$1781
$297
Child safety restraint
$1811
$307
Driving with expired registration
$1811
$302
Wrong way/wrong lane
$1840
$312
Failure to yield
$1848
$309
Failure to stop at a red light
$1855
$315
Illegal turn
$1886
$315
Cell phone violation
$1909
$325
Texting while driving
$1909
$318
Speeding in school zone
$1939
$330
Operating a vehicle without permission
$1947
$324
Speeding 16 - 20 MPH over limit
$1947
$331
Improper passing
$1991
$331
Following too closely
$1999
$340
Passing school bus
$2082
$347
In 65 MPH zone
$2097
$357
Speeding 21 - 25 MPH over limit
$2165
$361
At-fault accident - $1000-$2000
$2225
$378
At-fault accident - greater than $2000
$2240
$373
Open container
$2504
$425
Reckless driving
$2935
$489
Leaving scene of an accident/hit and run
$3048
$518
DUI
$3071
$512
Refusal to submit to a chemical test
$3071
$522
Racing
$3078
$513
Driving with a suspended license
$3199
$544
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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 Maplewood 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 Maplewood.
The cheapest car insurance premiums in
Maplewood are
offered by Plymouth Rock at $928 for a six-month policy.
However, it can be as
expensive as $6933 with companies
like State Farm.
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 Maplewood are offered by Plymouth Rock
at $860. However,
it can be as expensive as $4436
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Maplewood after Speeding ticket
Car Insurance Price Trends in Maplewood,
New Jersey
Car insurance rates in Maplewood have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Maplewood rose by
$368 in January
compared to $312 of December. In other words, there has been an increase by $56 when you
compare January and December.
The average cost of liability insurance in the Maplewood rose to $123 in January,
compared to $109 in December.
This represents an increase of $14
when comparing January and December.
Average Car Insurance Cost in Maplewood 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
Maplewood. At $3144 for a
six-month policy, insuring
your car at 7040 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 Maplewood?
The car insurance in Maplewood is $77 per month, which is lower than the national average.
What is the cheapest car insurance in Maplewood?
The cheapest car insurance in Maplewood
is $164 per month
for full coverage.
How much is car insurance in Maplewood for teenagers?
Car insurance for teenagers costs $679 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
Maplewood?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $264 per month to insure your
car in Maplewood.
Is car insurance expensive in Maplewood?
Car insurance can be expensive in Maplewood if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Maplewood can be
affordable.
What is the best car insurance in Maplewood,
NJ?
The best car insurance company in Maplewood
NJ is
New Jersey Manufacturers, offering $980 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Maplewood, NJ
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Maplewood Car Insurance
