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Finding the cheapest car insurance quotes in Montague 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 Montague
The car insurance rate in Montague 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 Montague 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 $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 Montague.
Montague Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Montague, 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 Montague drivers find the best deals.
Way's key takeaways about car insurance in Montague
The auto insurance costs in Montague fall around $749 for six
months.
The cheapest auto insurance company in Montague is New Jersey Manufacturers.
Teen drivers pay the highest rate in Montague at $1023 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 Montague
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 Montague are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Montague. Their Average 6 Month Premium is $345.
National General is the most
expensive at $363 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 Montague is New Jersey Manufacturers
at $127 per month and $749
for six months.
Cheapest Full Coverage Car Insurance Quotes in Montague,
NJ
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Instantly!
Average Car Insurance in Montague 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 Montague, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Montague, 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, Montague's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Montague
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
Montague,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 Montague at $88
per
month. At $6021 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 Montague.
As young drivers face the highest rates in Montague, 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 Montague,
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
Montague is Farmers, offering
rates of around $5439 for six
months.
Save up to $971/yr on car insurance rates in Montague.
Car Insurance Rates with An Accident in Montague
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 Montague, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Montague
The cheapest car insurance companies after an at-fault accident in
Montague 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.
Here is a list of driving violations that can increase your car
insurance rates in Montague NJ. For example, the car
insurance in Montague
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.
Montague 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 Montague 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 Montague.
The cheapest car insurance premiums in
Montague 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.
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 Montague 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 Montague after Speeding ticket
Car Insurance Price Trends in Montague,
New Jersey
Car insurance rates in Montague have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Montague 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 Montague rose to $83 in December,
compared to $81 in November.
This represents an increase of $2
when comparing December and November.
Average Car Insurance Cost in Montague 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
Montague. At $2176 for a
six-month policy, insuring
your car at 7827 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 Montague?
The car insurance in Montague is $57 per month, which is lower than the national average.
What is the cheapest car insurance in Montague?
The cheapest car insurance in Montague
is $127 per month
for full coverage.
How much is car insurance in Montague 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
Montague?
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 Montague.
Is car insurance expensive in Montague?
Car insurance can be expensive in Montague if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Montague can be
affordable.
What is the best car insurance in Montague,
NJ?
The best car insurance company in Montague
NJ is
New Jersey Manufacturers, offering $749 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Montague, NJ
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Montague Car Insurance
