Cheapest Car Insurance Quotes in Moonachie

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Moonachie Car Insurance

^$ 78

/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 Moonachie

The car insurance rate in Moonachie is $1585 for a six-month policy, which is $347 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $988, making it a popular choice for budget-conscious drivers. Rates in Moonachie 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 Moonachie

$1585

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Moonachie

1st place: New Jersey Manufacturers

At $988 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 $1194 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1208 for six months, making it the third cheapest auto insurance company in Moonachie.

Moonachie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moonachie, NJ is New Jersey Manufacturers, offering policies at just $988 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1194.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2638 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moonachie drivers find the best deals.

Cheap Car Insurance Companies in Moonachie, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$988	$165
New Jersey Skylands Insurance	$1194	$204
NJM	$1208	$204
Plymouth Rock	$1316	$221
Progressive	$1384	$233
Travelers	$1475	$248
Amica Mutual	$1673	$279
Allstate	$1725	$291
State Farm	$1862	$314
Selective	$1969	$332
Farmers	$2638	$440

Key Takeaways

Way's key takeaways about car insurance in Moonachie

The auto insurance costs in Moonachie fall around $988 for six months.
The cheapest auto insurance company in Moonachie is New Jersey Manufacturers.
Teen drivers pay the highest rate in Moonachie at $1339 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 Moonachie

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 Moonachie are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Moonachie. Their Average 6 Month Premium is $456. Farmers is the most expensive at $1316 for the same period.

Cheapest Liability Coverage in Moonachie, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$456	$78
Plymouth Rock	$616	$104
NJM	$631	$106
New Jersey Skylands Insurance	$669	$111
Amica Mutual	$685	$116
Amica	$783	$131
Progressive	$783	$132
Travelers	$806	$136
State Farm	$844	$142
Allstate	$936	$157
Selective	$1042	$175
Farmers	$1316	$219

Cheapest Full Coverage Car Insurance in Moonachie

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 Moonachie is New Jersey Manufacturers at $165 per month and $988 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moonachie, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$988	$165
New Jersey Skylands Insurance	$1194	$204
NJM	$1208	$204
Plymouth Rock	$1316	$221
Progressive	$1384	$233
Travelers	$1475	$248
Amica Mutual	$1673	$279
Allstate	$1725	$291
State Farm	$1862	$314
Selective	$1969	$332
Farmers	$2638	$440

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Average Car Insurance in Moonachie 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 Moonachie, NJ increasing?

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

Car Insurance Premiums by Age in Moonachie

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	$982
30s	NJM	$763
40s	NJM	$707
50s	NJM	$652
60s	NJM	$600

Cheapest Car Insurance Rates for Teen Drivers in Moonachie,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 Moonachie at $116 per month. At $7877 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	$685	$116
NJM	$1368	$230
New Jersey Manufacturers	$2266	$385
Travelers	$3194	$538
Selective	$3460	$582
Plymouth Rock	$3589	$604
Amica Mutual	$4006	$681
Allstate	$4349	$732
Progressive	$4394	$740
State Farm	$5208	$877
Farmers	$7877	$1339

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 Moonachie.

As young drivers face the highest rates in Moonachie, NJM offers the cheapest auto insurance rates at $982 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 Moonachie, Amica Mutual is the cheapest car insurance provider. At $836 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 Moonachie is State Farm, offering rates of around $9253 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$836	$142
New Jersey Skylands Insurance	$1050	$175
Foremost	$1171	$200
NJM	$1467	$247
Progressive	$1885	$317
Plymouth Rock	$1947	$328
Farmers	$3497	$595
Selective	$4045	$675
Travelers	$4319	$735
Allstate	$4524	$754
State Farm	$9253	$1573

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

Car Insurance Rates with An Accident in Moonachie

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

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

The cheapest car insurance companies after an at-fault accident in Moonachie include New Jersey Skylands Insurance and NJM, offering $806 and $859, respectively. Farmers is an expensive provider with an average six-month premium of $5110.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$806	$134
NJM	$859	$145
New Jersey Manufacturers	$1042	$174
Plymouth Rock	$1087	$183
Amica Mutual	$1293	$218
Progressive	$1818	$306
Selective	$2464	$415
Travelers	$2524	$425
State Farm	$2920	$492
Allstate	$4562	$768
Farmers	$5110	$851

Moonachie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moonachie NJ. For example, the car insurance in Moonachie after a DUI increases to $1613 for a six month policy. While the rate increases by $222 for a six-month policy in the case of a speeding ticket.

Moonachie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1482	$247
One Med/PIP claim	$1490	$253
Not-at-fault accident	$1559	$260
One comp claim	$1574	$268
Two Med/PIP claims	$1582	$264
Speeding 6 - 10 MPH over limit	$1704	$289
Speeding 11 - 15 MPH over limit	$1711	$285
Two comp claims	$1711	$291
Failure to show documents	$1733	$289
At-fault accident - less than $1000	$1756	$298
Failure to wear a seat belt	$1779	$297
Driving too slowly	$1787	$303
Driving without lights	$1795	$300
Child safety restraint	$1825	$310
Driving with expired registration	$1825	$305
Wrong way/wrong lane	$1855	$315
Failure to yield	$1862	$311
Failure to stop at a red light	$1870	$317
Illegal turn	$1901	$317
Cell phone violation	$1924	$328
Texting while driving	$1924	$320
Speeding in school zone	$1955	$333
Operating a vehicle without permission	$1962	$326
Speeding 16 - 20 MPH over limit	$1962	$334
Improper passing	$2007	$334
Following too closely	$2015	$343
Passing school bus	$2098	$349
In 65 MPH zone	$2113	$360
Speeding 21 - 25 MPH over limit	$2182	$364
At-fault accident - $1000-$2000	$2243	$381
At-fault accident - greater than $2000	$2258	$376
Open container	$2524	$429
Reckless driving	$2958	$493
Leaving scene of an accident/hit and run	$3072	$522
DUI	$3095	$516
Refusal to submit to a chemical test	$3095	$526
Racing	$3103	$517
Driving with a suspended license	$3224	$548

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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 Moonachie 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 Moonachie.

The cheapest car insurance premiums in Moonachie are offered by Plymouth Rock at $936 for a six-month policy. However, it can be as expensive as $6988 with companies like State Farm.

Moonachie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$936	$157
Foremost	$1027	$172
NJM	$1034	$174
Mercury	$1187	$197
New Jersey Manufacturers	$1277	$218
Progressive	$1300	$219
Travelers	$1962	$330
Allstate	$2349	$396
Selective	$2889	$486
Farmers	$3331	$556
Amica Mutual	$6607	$1124
State Farm	$6988	$1176

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 Moonachie are offered by Plymouth Rock at $867. However, it can be as expensive as $4471 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Moonachie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$867	$146
NJM	$1102	$186
Progressive	$1521	$256
Selective	$2190	$365
State Farm	$2220	$378
Travelers	$2547	$425
Allstate	$3711	$631
Farmers	$4471	$745

Car Insurance Price Trends in Moonachie, New Jersey

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

The average cost of full coverage in the Moonachie rose by $371 in January compared to $315 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 Moonachie rose to $124 in January, compared to $110 in December. This represents an increase of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Moonachie?

The car insurance in Moonachie is $78 per month, which is lower than the national average.

What is the cheapest car insurance in Moonachie?

The cheapest car insurance in Moonachie is $165 per month for full coverage.

How much is car insurance in Moonachie for teenagers?

Car insurance for teenagers costs $685 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 Moonachie?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $266 per month to insure your car in Moonachie.

Is car insurance expensive in Moonachie?

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

Cheapest Car Insurance Quotes in Moonachie

Why you can trust Way?

How Much Is Car Insurance in Moonachie

Avg. Car Insurance in Moonachie

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Moonachie

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Moonachie Car Insurance Rates by Company

Cheap Car Insurance Companies in Moonachie, NJ

Way's key takeaways about car insurance in Moonachie

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moonachie

Cheapest Liability Coverage in Moonachie, NJ

Cheapest Full Coverage Car Insurance in Moonachie

Cheapest Full Coverage Car Insurance Quotes in Moonachie, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moonachie by Rating Factor

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

Car Insurance Premiums by Age in Moonachie

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moonachie,NJ

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

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 Moonachie

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

Moonachie Car Insurance Rates by Violation

Moonachie auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moonachie after a DUI

Moonachie car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moonachie after Speeding ticket

Car Insurance Price Trends in Moonachie, New Jersey

Average Car Insurance Cost in Moonachie by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moonachie, NJ

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

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