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Finding the cheapest car insurance quotes in Montclair 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 Montclair
The car insurance rate in Montclair is $1387 for a six-month policy, which is $149 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $865, making it a popular choice for budget-conscious drivers. Rates in Montclair 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 $865 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 $1045 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: NJM
NJM offers auto insurance
rates at $1057
for six months, making it
the third cheapest auto insurance company in Montclair.
Montclair Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Montclair, NJ is New Jersey Manufacturers, offering policies at just $865 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1045.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2308 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Montclair drivers find the best deals.
Way's key takeaways about car insurance in Montclair
The auto insurance costs in Montclair fall around $865 for six
months.
The cheapest auto insurance company in Montclair is New Jersey Manufacturers.
Teen drivers pay the highest rate in Montclair at $1172 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 Montclair
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 Montclair are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Montclair. Their Average 6 Month Premium is $399.
Farmers is the most
expensive at $1151 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 Montclair is New Jersey Manufacturers
at $144 per month and $865
for six months.
Cheapest Full Coverage Car Insurance Quotes in Montclair,
NJ
Get Your Car Insurance Quote in Montclair
Instantly!
Average Car Insurance in Montclair 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 Montclair, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Montclair, 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, Montclair's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Montclair
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
$859
30s
NJM
$668
40s
NJM
$618
50s
NJM
$570
60s
NJM
$525
Cheapest Car Insurance Rates for Teen Drivers in
Montclair,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 Montclair at $102
per
month. At $6892 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 Montclair.
As young drivers face the highest rates in Montclair, NJM
offers the cheapest auto insurance rates at $859 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 Montclair,
Amica Mutual is
the cheapest car insurance provider. At $731 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
Montclair is State Farm, offering
rates of around $8096 for six
months.
Save up to $971/yr on car insurance rates in Montclair.
Car Insurance Rates with An Accident in Montclair
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 Montclair, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Montclair
The cheapest car insurance companies after an at-fault accident in
Montclair include New Jersey Skylands Insurance
and NJM, offering $706
and $752,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4471.
Here is a list of driving violations that can increase your car
insurance rates in Montclair NJ. For example, the car
insurance in Montclair
after a DUI increases to $1411 for a six
month policy. While the rate increases by $194 for a six-month policy in the case of
a speeding ticket.
Montclair auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1297
$216
One Med/PIP claim
$1304
$222
Not-at-fault accident
$1364
$227
One comp claim
$1378
$234
Two Med/PIP claims
$1384
$231
Speeding 6 - 10 MPH over limit
$1491
$253
Speeding 11 - 15 MPH over limit
$1497
$250
Two comp claims
$1497
$254
Failure to show documents
$1516
$253
At-fault accident - less than $1000
$1537
$261
Failure to wear a seat belt
$1557
$260
Driving too slowly
$1564
$265
Driving without lights
$1570
$262
Child safety restraint
$1597
$271
Driving with expired registration
$1597
$267
Wrong way/wrong lane
$1623
$276
Failure to yield
$1630
$272
Failure to stop at a red light
$1636
$278
Illegal turn
$1663
$278
Cell phone violation
$1683
$287
Texting while driving
$1683
$280
Speeding in school zone
$1710
$291
Operating a vehicle without permission
$1717
$286
Speeding 16 - 20 MPH over limit
$1717
$292
Improper passing
$1756
$292
Following too closely
$1763
$300
Passing school bus
$1836
$306
In 65 MPH zone
$1849
$315
Speeding 21 - 25 MPH over limit
$1910
$318
At-fault accident - $1000-$2000
$1962
$334
At-fault accident - greater than $2000
$1976
$329
Open container
$2209
$375
Reckless driving
$2588
$431
Leaving scene of an accident/hit and run
$2688
$457
DUI
$2708
$451
Refusal to submit to a chemical test
$2708
$460
Racing
$2715
$452
Driving with a suspended license
$2821
$479
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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 Montclair 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 Montclair.
The cheapest car insurance premiums in
Montclair are
offered by Plymouth Rock at $819 for a six-month policy.
However, it can be as
expensive as $6114 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 Montclair are offered by Plymouth Rock
at $758. However,
it can be as expensive as $3912
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Montclair after Speeding ticket
Car Insurance Price Trends in Montclair,
New Jersey
Car insurance rates in Montclair have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Montclair rose by
$325 in January
compared to $276 of December. In other words, there has been an increase by $49 when you
compare January and December.
The average cost of liability insurance in the Montclair rose to $109 in January,
compared to $96 in December.
This represents an increase of $13
when comparing January and December.
Average Car Insurance Cost in Montclair 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
Montclair. At $1830 for a
six-month policy, insuring
your car at 7043 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 Montclair?
The car insurance in Montclair is $68 per month, which is lower than the national average.
What is the cheapest car insurance in Montclair?
The cheapest car insurance in Montclair
is $144 per month
for full coverage.
How much is car insurance in Montclair for teenagers?
Car insurance for teenagers costs $599 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
Montclair?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $233 per month to insure your
car in Montclair.
Is car insurance expensive in Montclair?
Car insurance can be expensive in Montclair if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Montclair can be
affordable.
What is the best car insurance in Montclair,
NJ?
The best car insurance company in Montclair
NJ is
New Jersey Manufacturers, offering $865 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Montclair, NJ
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Montclair Car Insurance
