Cheapest Car Insurance Quotes in Merchantville

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Merchantville Car Insurance

^$ 69

/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 Merchantville

The car insurance rate in Merchantville is $1399 for a six-month policy, which is $161 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $872, making it a popular choice for budget-conscious drivers. Rates in Merchantville 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 Merchantville

$1399

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Merchantville

1st place: New Jersey Manufacturers

At $872 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 $1054 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1067 for six months, making it the third cheapest auto insurance company in Merchantville.

Merchantville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Merchantville, NJ is New Jersey Manufacturers, offering policies at just $872 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1054.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2329 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Merchantville drivers find the best deals.

Cheap Car Insurance Companies in Merchantville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$872	$146
New Jersey Skylands Insurance	$1054	$180
NJM	$1067	$180
Plymouth Rock	$1162	$195
Progressive	$1222	$206
Travelers	$1302	$219
Amica Mutual	$1477	$246
Allstate	$1523	$257
State Farm	$1644	$277
Selective	$1738	$293
Farmers	$2329	$389

Key Takeaways

Way's key takeaways about car insurance in Merchantville

The auto insurance costs in Merchantville fall around $872 for six months.
The cheapest auto insurance company in Merchantville is New Jersey Manufacturers.
Teen drivers pay the highest rate in Merchantville at $1182 per month.

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Cheapest Minimum Liability Car Insurance in Merchantville

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 Merchantville are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Merchantville. Their Average 6 Month Premium is $402. Farmers is the most expensive at $1162 for the same period.

Cheapest Liability Coverage in Merchantville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$402	$69
Plymouth Rock	$544	$92
NJM	$557	$94
New Jersey Skylands Insurance	$591	$98
Amica Mutual	$605	$103
Amica	$692	$115
Progressive	$692	$116
Travelers	$712	$120
State Farm	$745	$125
Allstate	$826	$139
Selective	$920	$155
Farmers	$1162	$193

Cheapest Full Coverage Car Insurance in Merchantville

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 Merchantville is New Jersey Manufacturers at $146 per month and $872 for six months.

Cheapest Full Coverage Car Insurance Quotes in Merchantville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$872	$146
New Jersey Skylands Insurance	$1054	$180
NJM	$1067	$180
Plymouth Rock	$1162	$195
Progressive	$1222	$206
Travelers	$1302	$219
Amica Mutual	$1477	$246
Allstate	$1523	$257
State Farm	$1644	$277
Selective	$1738	$293
Farmers	$2329	$389

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Average Car Insurance in Merchantville 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 Merchantville, NJ increasing?

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

Car Insurance Premiums by Age in Merchantville

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	$867
30s	NJM	$673
40s	NJM	$624
50s	NJM	$575
60s	NJM	$530

Cheapest Car Insurance Rates for Teen Drivers in Merchantville,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 Merchantville at $103 per month. At $6954 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	$605	$103
NJM	$1208	$203
New Jersey Manufacturers	$2000	$340
Travelers	$2819	$475
Selective	$3054	$514
Plymouth Rock	$3169	$533
Amica Mutual	$3537	$601
Allstate	$3840	$646
Progressive	$3879	$653
State Farm	$4598	$774
Farmers	$6954	$1182

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 Merchantville.

As young drivers face the highest rates in Merchantville, NJM offers the cheapest auto insurance rates at $867 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 Merchantville, Amica Mutual is the cheapest car insurance provider. At $738 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 Merchantville is State Farm, offering rates of around $8169 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$738	$125
New Jersey Skylands Insurance	$927	$155
Foremost	$1034	$176
NJM	$1295	$218
Progressive	$1664	$280
Plymouth Rock	$1719	$289
Farmers	$3087	$525
Selective	$3571	$596
Travelers	$3813	$649
Allstate	$3993	$666
State Farm	$8169	$1389

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

Car Insurance Rates with An Accident in Merchantville

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

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

The cheapest car insurance companies after an at-fault accident in Merchantville include New Jersey Skylands Insurance and NJM, offering $712 and $758, respectively. Farmers is an expensive provider with an average six-month premium of $4511.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$712	$119
NJM	$758	$128
New Jersey Manufacturers	$920	$154
Plymouth Rock	$959	$162
Amica Mutual	$1141	$192
Progressive	$1605	$270
Selective	$2175	$366
Travelers	$2228	$375
State Farm	$2578	$434
Allstate	$4027	$678
Farmers	$4511	$751

Merchantville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Merchantville NJ. For example, the car insurance in Merchantville after a DUI increases to $1423 for a six month policy. While the rate increases by $195 for a six-month policy in the case of a speeding ticket.

Merchantville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1309	$218
One Med/PIP claim	$1315	$224
Not-at-fault accident	$1376	$229
One comp claim	$1390	$236
Two Med/PIP claims	$1397	$233
Speeding 6 - 10 MPH over limit	$1504	$255
Speeding 11 - 15 MPH over limit	$1511	$252
Two comp claims	$1511	$257
Failure to show documents	$1530	$255
At-fault accident - less than $1000	$1550	$263
Failure to wear a seat belt	$1571	$262
Driving too slowly	$1577	$268
Driving without lights	$1584	$264
Child safety restraint	$1611	$273
Driving with expired registration	$1611	$269
Wrong way/wrong lane	$1637	$278
Failure to yield	$1644	$275
Failure to stop at a red light	$1651	$280
Illegal turn	$1678	$280
Cell phone violation	$1698	$289
Texting while driving	$1698	$283
Speeding in school zone	$1726	$294
Operating a vehicle without permission	$1732	$288
Speeding 16 - 20 MPH over limit	$1732	$295
Improper passing	$1772	$295
Following too closely	$1779	$303
Passing school bus	$1852	$308
In 65 MPH zone	$1866	$318
Speeding 21 - 25 MPH over limit	$1927	$321
At-fault accident - $1000-$2000	$1980	$337
At-fault accident - greater than $2000	$1993	$332
Open container	$2228	$379
Reckless driving	$2611	$435
Leaving scene of an accident/hit and run	$2712	$461
DUI	$2732	$455
Refusal to submit to a chemical test	$2732	$464
Racing	$2739	$457
Driving with a suspended license	$2846	$484

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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 Merchantville 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 Merchantville.

The cheapest car insurance premiums in Merchantville are offered by Plymouth Rock at $826 for a six-month policy. However, it can be as expensive as $6169 with companies like State Farm.

Merchantville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$826	$139
Foremost	$906	$151
NJM	$913	$154
Mercury	$1048	$174
New Jersey Manufacturers	$1128	$192
Progressive	$1148	$193
Travelers	$1732	$292
Allstate	$2074	$349
Selective	$2550	$429
Farmers	$2940	$490
Amica Mutual	$5833	$992
State Farm	$6169	$1038

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 Merchantville are offered by Plymouth Rock at $765. However, it can be as expensive as $3947 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Merchantville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$765	$129
NJM	$973	$164
Progressive	$1342	$226
Selective	$1933	$322
State Farm	$1959	$333
Travelers	$2249	$375
Allstate	$3276	$557
Farmers	$3947	$658

Car Insurance Price Trends in Merchantville, New Jersey

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

The average cost of full coverage in the Merchantville rose by $328 in January compared to $278 of December. In other words, there has been an increase by $50 when you compare January and December.

The average cost of liability insurance in the Merchantville rose to $110 in January, compared to $97 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Merchantville?

The car insurance in Merchantville is $69 per month, which is lower than the national average.

What is the cheapest car insurance in Merchantville?

The cheapest car insurance in Merchantville is $146 per month for full coverage.

How much is car insurance in Merchantville for teenagers?

Car insurance for teenagers costs $605 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 Merchantville?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $235 per month to insure your car in Merchantville.

Is car insurance expensive in Merchantville?

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

Cheapest Car Insurance Quotes in Merchantville

Why you can trust Way?

How Much Is Car Insurance in Merchantville

Avg. Car Insurance in Merchantville

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Merchantville

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Merchantville Car Insurance Rates by Company

Cheap Car Insurance Companies in Merchantville, NJ

Way's key takeaways about car insurance in Merchantville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Merchantville

Cheapest Liability Coverage in Merchantville, NJ

Cheapest Full Coverage Car Insurance in Merchantville

Cheapest Full Coverage Car Insurance Quotes in Merchantville, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Merchantville by Rating Factor

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

Car Insurance Premiums by Age in Merchantville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Merchantville,NJ

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

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 Merchantville

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

Merchantville Car Insurance Rates by Violation

Merchantville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Merchantville after a DUI

Merchantville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Merchantville after Speeding ticket

Car Insurance Price Trends in Merchantville, New Jersey

Average Car Insurance Cost in Merchantville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Merchantville, NJ

Car Insurance Rates by State in the USA (2025 Update)

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