Cheapest Car Insurance Quotes in Morganville

Finding the cheapest car insurance quotes in Morganville 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.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Morganville Car Insurance

^$ 62

/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 Morganville

The car insurance rate in Morganville is $1250 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $780, making it a popular choice for budget-conscious drivers. Rates in Morganville 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 Morganville

$1250

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Morganville

1st place: New Jersey Manufacturers

At $780 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 $942 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $953 for six months, making it the third cheapest auto insurance company in Morganville.

Morganville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morganville, NJ is New Jersey Manufacturers, offering policies at just $780 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $942.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2082 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morganville drivers find the best deals.

Cheap Car Insurance Companies in Morganville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$780	$130
New Jersey Skylands Insurance	$942	$161
NJM	$953	$161
Plymouth Rock	$1038	$175
Progressive	$1092	$184
Travelers	$1164	$196
Amica Mutual	$1320	$220
Allstate	$1361	$229
State Farm	$1470	$247
Selective	$1553	$262
Farmers	$2082	$347

Key Takeaways

Way's key takeaways about car insurance in Morganville

The auto insurance costs in Morganville fall around $780 for six months.
The cheapest auto insurance company in Morganville is New Jersey Manufacturers.
Teen drivers pay the highest rate in Morganville at $1056 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 Morganville

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 Morganville are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Morganville. Their Average 6 Month Premium is $360. Farmers is the most expensive at $1038 for the same period.

Cheapest Liability Coverage in Morganville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$360	$62
Plymouth Rock	$486	$82
NJM	$498	$84
New Jersey Skylands Insurance	$528	$88
Amica Mutual	$540	$92
Amica	$618	$103
Progressive	$618	$104
Travelers	$636	$107
State Farm	$666	$112
Allstate	$738	$124
Selective	$822	$138
Farmers	$1038	$173

Cheapest Full Coverage Car Insurance in Morganville

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 Morganville is New Jersey Manufacturers at $130 per month and $780 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morganville, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$780	$130
New Jersey Skylands Insurance	$942	$161
NJM	$953	$161
Plymouth Rock	$1038	$175
Progressive	$1092	$184
Travelers	$1164	$196
Amica Mutual	$1320	$220
Allstate	$1361	$229
State Farm	$1470	$247
Selective	$1553	$262
Farmers	$2082	$347

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Morganville Instantly!

Average Car Insurance in Morganville 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 Morganville, NJ increasing?

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

Car Insurance Premiums by Age in Morganville

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	$775
30s	NJM	$602
40s	NJM	$558
50s	NJM	$514
60s	NJM	$474

Cheapest Car Insurance Rates for Teen Drivers in Morganville,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 Morganville at $92 per month. At $6216 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	$540	$92
NJM	$1080	$182
New Jersey Manufacturers	$1788	$304
Travelers	$2520	$424
Selective	$2730	$460
Plymouth Rock	$2832	$477
Amica Mutual	$3161	$537
Allstate	$3432	$578
Progressive	$3467	$584
State Farm	$4110	$692
Farmers	$6216	$1056

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 Morganville.

As young drivers face the highest rates in Morganville, NJM offers the cheapest auto insurance rates at $775 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 Morganville, Amica Mutual is the cheapest car insurance provider. At $660 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 Morganville is State Farm, offering rates of around $7301 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$660	$112
New Jersey Skylands Insurance	$828	$138
Foremost	$924	$158
NJM	$1157	$195
Progressive	$1488	$250
Plymouth Rock	$1536	$259
Farmers	$2759	$470
Selective	$3192	$532
Travelers	$3408	$580
Allstate	$3569	$595
State Farm	$7301	$1241

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Morganville

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

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

The cheapest car insurance companies after an at-fault accident in Morganville include New Jersey Skylands Insurance and NJM, offering $636 and $678, respectively. Farmers is an expensive provider with an average six-month premium of $4032.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$636	$106
NJM	$678	$114
New Jersey Manufacturers	$822	$137
Plymouth Rock	$857	$144
Amica Mutual	$1020	$172
Progressive	$1434	$241
Selective	$1944	$327
Travelers	$1992	$335
State Farm	$2304	$388
Allstate	$3600	$606
Farmers	$4032	$672

Morganville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morganville NJ. For example, the car insurance in Morganville after a DUI increases to $1272 for a six month policy. While the rate increases by $174 for a six-month policy in the case of a speeding ticket.

Morganville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1170	$195
One Med/PIP claim	$1176	$200
Not-at-fault accident	$1230	$205
One comp claim	$1242	$211
Two Med/PIP claims	$1248	$208
Speeding 6 - 10 MPH over limit	$1344	$228
Speeding 11 - 15 MPH over limit	$1350	$225
Two comp claims	$1350	$229
Failure to show documents	$1368	$228
At-fault accident - less than $1000	$1386	$235
Failure to wear a seat belt	$1404	$234
Driving too slowly	$1410	$239
Driving without lights	$1416	$236
Child safety restraint	$1440	$244
Driving with expired registration	$1440	$240
Wrong way/wrong lane	$1463	$248
Failure to yield	$1470	$245
Failure to stop at a red light	$1476	$250
Illegal turn	$1500	$250
Cell phone violation	$1518	$259
Texting while driving	$1518	$253
Speeding in school zone	$1542	$263
Operating a vehicle without permission	$1548	$258
Speeding 16 - 20 MPH over limit	$1548	$264
Improper passing	$1584	$264
Following too closely	$1590	$271
Passing school bus	$1655	$276
In 65 MPH zone	$1668	$284
Speeding 21 - 25 MPH over limit	$1722	$287
At-fault accident - $1000-$2000	$1770	$301
At-fault accident - greater than $2000	$1782	$297
Open container	$1992	$338
Reckless driving	$2334	$389
Leaving scene of an accident/hit and run	$2424	$412
DUI	$2442	$407
Refusal to submit to a chemical test	$2442	$415
Racing	$2448	$408
Driving with a suspended license	$2544	$432

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 Morganville 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 Morganville.

The cheapest car insurance premiums in Morganville are offered by Plymouth Rock at $738 for a six-month policy. However, it can be as expensive as $5514 with companies like State Farm.

Morganville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$738	$124
Foremost	$810	$135
NJM	$816	$137
Mercury	$936	$156
New Jersey Manufacturers	$1008	$172
Progressive	$1026	$173
Travelers	$1548	$261
Allstate	$1853	$312
Selective	$2280	$384
Farmers	$2628	$438
Amica Mutual	$5214	$887
State Farm	$5514	$928

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 Morganville are offered by Plymouth Rock at $684. However, it can be as expensive as $3528 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Morganville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$684	$115
NJM	$870	$146
Progressive	$1200	$202
Selective	$1728	$288
State Farm	$1751	$298
Travelers	$2010	$335
Allstate	$2928	$498
Farmers	$3528	$588

Car Insurance Price Trends in Morganville, New Jersey

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

The average cost of full coverage in the Morganville rose by $293 in January compared to $248 of December. In other words, there has been an increase by $45 when you compare January and December.

The average cost of liability insurance in the Morganville rose to $98 in January, compared to $87 in December. This represents an increase of $11 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Morganville?

The car insurance in Morganville is $62 per month, which is lower than the national average.

What is the cheapest car insurance in Morganville?

The cheapest car insurance in Morganville is $130 per month for full coverage.

How much is car insurance in Morganville for teenagers?

Car insurance for teenagers costs $540 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 Morganville?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $210 per month to insure your car in Morganville.

Is car insurance expensive in Morganville?

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

Cheapest Car Insurance Quotes in Morganville

Why you can trust Way?

How Much Is Car Insurance in Morganville

Avg. Car Insurance in Morganville

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Morganville

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Morganville Car Insurance Rates by Company

Cheap Car Insurance Companies in Morganville, NJ

Way's key takeaways about car insurance in Morganville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morganville

Cheapest Liability Coverage in Morganville, NJ

Cheapest Full Coverage Car Insurance in Morganville

Cheapest Full Coverage Car Insurance Quotes in Morganville, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morganville by Rating Factor

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

Car Insurance Premiums by Age in Morganville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morganville,NJ

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

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 Morganville

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

Morganville Car Insurance Rates by Violation

Morganville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morganville after a DUI

Morganville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morganville after Speeding ticket

Car Insurance Price Trends in Morganville, New Jersey

Average Car Insurance Cost in Morganville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morganville, NJ

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

Featured Blogs

Data Sources