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 McAfee 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 McAfee
The car insurance rate in McAfee is $1238 for a six-month policy, which is same as higher than the state average. Root Insurance Company offers the lowest rates in the city at $772, making it a popular choice for budget-conscious drivers. Rates in McAfee 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 $772 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 $933 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: NJM
NJM offers auto insurance
rates at $944
for six months, making it
the third cheapest auto insurance company in McAfee.
McAfee Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in McAfee, NJ is New Jersey Manufacturers, offering policies at just $772 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $933.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2061 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McAfee drivers find the best deals.
The auto insurance costs in McAfee fall around $772 for six
months.
The cheapest auto insurance company in McAfee is New Jersey Manufacturers.
Teen drivers pay the highest rate in McAfee at $1046 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 McAfee
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 McAfee are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in McAfee. Their Average 6 Month Premium is $356.
Farmers is the most
expensive at $1028 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 McAfee is New Jersey Manufacturers
at $129 per month and $772
for six months.
Cheapest Full Coverage Car Insurance Quotes in McAfee,
NJ
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 McAfee, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in McAfee, 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, McAfee's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in McAfee
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
$767
30s
NJM
$596
40s
NJM
$552
50s
NJM
$509
60s
NJM
$469
Cheapest Car Insurance Rates for Teen Drivers in
McAfee,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 McAfee at $91
per
month. At $6154 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 McAfee.
As young drivers face the highest rates in McAfee, NJM
offers the cheapest auto insurance rates at $767 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 McAfee,
Amica Mutual is
the cheapest car insurance provider. At $653 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
McAfee is State Farm, offering
rates of around $7229 for six
months.
Save up to $971/yr on car insurance rates in McAfee.
Car Insurance Rates with An Accident in McAfee
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 McAfee, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in McAfee
The cheapest car insurance companies after an at-fault accident in
McAfee include New Jersey Skylands Insurance
and NJM, offering $630
and $671,
respectively. Farmers is an expensive provider
with an average six-month premium of
$3992.
Here is a list of driving violations that can increase your car
insurance rates in McAfee NJ. For example, the car
insurance in McAfee
after a DUI increases to $1260 for a six
month policy. While the rate increases by $173 for a six-month policy in the case of
a speeding ticket.
McAfee auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1158
$193
One Med/PIP claim
$1164
$198
Not-at-fault accident
$1218
$203
One comp claim
$1230
$209
Two Med/PIP claims
$1236
$206
Speeding 6 - 10 MPH over limit
$1331
$226
Speeding 11 - 15 MPH over limit
$1337
$223
Two comp claims
$1337
$227
Failure to show documents
$1354
$226
At-fault accident - less than $1000
$1372
$233
Failure to wear a seat belt
$1390
$232
Driving too slowly
$1396
$237
Driving without lights
$1402
$234
Child safety restraint
$1426
$242
Driving with expired registration
$1426
$238
Wrong way/wrong lane
$1449
$246
Failure to yield
$1455
$243
Failure to stop at a red light
$1461
$248
Illegal turn
$1485
$248
Cell phone violation
$1503
$256
Texting while driving
$1503
$250
Speeding in school zone
$1527
$260
Operating a vehicle without permission
$1533
$255
Speeding 16 - 20 MPH over limit
$1533
$261
Improper passing
$1568
$261
Following too closely
$1574
$268
Passing school bus
$1639
$273
In 65 MPH zone
$1651
$281
Speeding 21 - 25 MPH over limit
$1705
$284
At-fault accident - $1000-$2000
$1752
$298
At-fault accident - greater than $2000
$1764
$294
Open container
$1972
$335
Reckless driving
$2311
$385
Leaving scene of an accident/hit and run
$2400
$408
DUI
$2418
$403
Refusal to submit to a chemical test
$2418
$411
Racing
$2424
$404
Driving with a suspended license
$2519
$428
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 McAfee 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 McAfee.
The cheapest car insurance premiums in
McAfee are
offered by Plymouth Rock at $731 for a six-month policy.
However, it can be as
expensive as $5459 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 McAfee are offered by Plymouth Rock
at $677. However,
it can be as expensive as $3493
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in McAfee after Speeding ticket
Car insurance rates in McAfee have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the McAfee rose by
$290 in January
compared to $246 of December. In other words, there has been an increase by $44 when you
compare January and December.
The average cost of liability insurance in the McAfee rose to $97 in January,
compared to $86 in December.
This represents an increase of $11
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
McAfee. 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 McAfee?
The car insurance in McAfee is $61 per month, which is lower than the national average.
What is the cheapest car insurance in McAfee?
The cheapest car insurance in McAfee
is $129 per month
for full coverage.
How much is car insurance in McAfee for teenagers?
Car insurance for teenagers costs $535 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
McAfee?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $208 per month to insure your
car in McAfee.
Is car insurance expensive in McAfee?
Car insurance can be expensive in McAfee if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in McAfee can be
affordable.
What is the best car insurance in McAfee,
NJ?
The best car insurance company in McAfee
NJ is
New Jersey Manufacturers, offering $772 for a
six-month policy.
Tired of Insane Auto Insurance Bills? Us Too!
Cut auto insurance costs in McAfee right now.
Find Car Insurance Rates in Cities Near McAfee, NJ
Car Insurance Rates by State in the USA (2025 Update)
McAfee Car Insurance
