Cheapest Car Insurance Quotes in New Vernon

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New Vernon Car Insurance

^$ 53

/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 New Vernon

The car insurance rate in New Vernon is $1077 for a six-month policy, which is $161 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $672, making it a popular choice for budget-conscious drivers. Rates in New Vernon 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 New Vernon

$1077

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in New Vernon

1st place: New Jersey Manufacturers

At $672 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 $812 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $821 for six months, making it the third cheapest auto insurance company in New Vernon.

New Vernon Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in New Vernon, NJ is New Jersey Manufacturers, offering policies at just $672 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $812.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1793 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help New Vernon drivers find the best deals.

Cheap Car Insurance Companies in New Vernon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$672	$112
New Jersey Skylands Insurance	$812	$138
NJM	$821	$138
Plymouth Rock	$894	$151
Progressive	$940	$158
Travelers	$1002	$169
Amica Mutual	$1137	$190
Allstate	$1173	$197
State Farm	$1266	$213
Selective	$1338	$225
Farmers	$1793	$299

Key Takeaways

Way's key takeaways about car insurance in New Vernon

The auto insurance costs in New Vernon fall around $672 for six months.
The cheapest auto insurance company in New Vernon is New Jersey Manufacturers.
Teen drivers pay the highest rate in New Vernon at $910 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 New Vernon

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 New Vernon are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in New Vernon. Their Average 6 Month Premium is $310. Farmers is the most expensive at $894 for the same period.

Cheapest Liability Coverage in New Vernon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$310	$53
Plymouth Rock	$418	$70
NJM	$429	$72
New Jersey Skylands Insurance	$455	$76
Amica Mutual	$465	$79
Amica	$532	$89
Progressive	$532	$90
Travelers	$548	$92
State Farm	$573	$97
Allstate	$636	$107
Selective	$708	$119
Farmers	$894	$149

Cheapest Full Coverage Car Insurance in New Vernon

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 New Vernon is New Jersey Manufacturers at $112 per month and $672 for six months.

Cheapest Full Coverage Car Insurance Quotes in New Vernon, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$672	$112
New Jersey Skylands Insurance	$812	$138
NJM	$821	$138
Plymouth Rock	$894	$151
Progressive	$940	$158
Travelers	$1002	$169
Amica Mutual	$1137	$190
Allstate	$1173	$197
State Farm	$1266	$213
Selective	$1338	$225
Farmers	$1793	$299

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Average Car Insurance in New Vernon 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 New Vernon, NJ increasing?

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

Car Insurance Premiums by Age in New Vernon

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	$667
30s	NJM	$519
40s	NJM	$480
50s	NJM	$443
60s	NJM	$408

Cheapest Car Insurance Rates for Teen Drivers in New Vernon,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 New Vernon at $79 per month. At $5354 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	$465	$79
NJM	$930	$157
New Jersey Manufacturers	$1540	$262
Travelers	$2171	$365
Selective	$2352	$396
Plymouth Rock	$2439	$411
Amica Mutual	$2723	$463
Allstate	$2956	$498
Progressive	$2987	$503
State Farm	$3540	$596
Farmers	$5354	$910

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 New Vernon.

As young drivers face the highest rates in New Vernon, NJM offers the cheapest auto insurance rates at $667 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 New Vernon, Amica Mutual is the cheapest car insurance provider. At $568 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 New Vernon is State Farm, offering rates of around $6289 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$568	$97
New Jersey Skylands Insurance	$713	$119
Foremost	$796	$136
NJM	$997	$168
Progressive	$1282	$216
Plymouth Rock	$1323	$223
Farmers	$2377	$405
Selective	$2749	$458
Travelers	$2935	$499
Allstate	$3075	$512
State Farm	$6289	$1069

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Car Insurance Rates with An Accident in New Vernon

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

Cheapest Car Insurance Companies after an At-Fault Accident in New Vernon

The cheapest car insurance companies after an at-fault accident in New Vernon include New Jersey Skylands Insurance and NJM, offering $548 and $584, respectively. Farmers is an expensive provider with an average six-month premium of $3473.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$548	$91
NJM	$584	$98
New Jersey Manufacturers	$708	$118
Plymouth Rock	$739	$124
Amica Mutual	$879	$148
Progressive	$1235	$208
Selective	$1675	$282
Travelers	$1716	$289
State Farm	$1984	$334
Allstate	$3101	$522
Farmers	$3473	$579

New Vernon Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in New Vernon NJ. For example, the car insurance in New Vernon after a DUI increases to $1097 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

New Vernon auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1007	$168
One Med/PIP claim	$1013	$172
Not-at-fault accident	$1060	$177
One comp claim	$1070	$182
Two Med/PIP claims	$1075	$179
Speeding 6 - 10 MPH over limit	$1158	$197
Speeding 11 - 15 MPH over limit	$1163	$194
Two comp claims	$1163	$197
Failure to show documents	$1178	$197
At-fault accident - less than $1000	$1194	$203
Failure to wear a seat belt	$1209	$202
Driving too slowly	$1215	$206
Driving without lights	$1220	$204
Child safety restraint	$1241	$211
Driving with expired registration	$1241	$207
Wrong way/wrong lane	$1261	$214
Failure to yield	$1266	$211
Failure to stop at a red light	$1271	$216
Illegal turn	$1292	$216
Cell phone violation	$1308	$223
Texting while driving	$1308	$218
Speeding in school zone	$1328	$226
Operating a vehicle without permission	$1334	$222
Speeding 16 - 20 MPH over limit	$1334	$227
Improper passing	$1364	$227
Following too closely	$1369	$233
Passing school bus	$1426	$238
In 65 MPH zone	$1436	$244
Speeding 21 - 25 MPH over limit	$1483	$247
At-fault accident - $1000-$2000	$1524	$259
At-fault accident - greater than $2000	$1535	$256
Open container	$1716	$291
Reckless driving	$2011	$335
Leaving scene of an accident/hit and run	$2088	$355
DUI	$2104	$351
Refusal to submit to a chemical test	$2104	$358
Racing	$2109	$351
Driving with a suspended license	$2192	$372

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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 New Vernon 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 New Vernon.

The cheapest car insurance premiums in New Vernon are offered by Plymouth Rock at $636 for a six-month policy. However, it can be as expensive as $4749 with companies like State Farm.

New Vernon car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$636	$107
Foremost	$698	$117
NJM	$703	$118
Mercury	$806	$134
New Jersey Manufacturers	$868	$148
Progressive	$884	$149
Travelers	$1334	$224
Allstate	$1596	$269
Selective	$1964	$331
Farmers	$2264	$378
Amica Mutual	$4491	$764
State Farm	$4749	$800

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 New Vernon are offered by Plymouth Rock at $589. However, it can be as expensive as $3039 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in New Vernon after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$589	$99
NJM	$749	$126
Progressive	$1034	$174
Selective	$1489	$248
State Farm	$1509	$257
Travelers	$1731	$289
Allstate	$2522	$429
Farmers	$3039	$506

Car Insurance Price Trends in New Vernon, New Jersey

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

The average cost of full coverage in the New Vernon rose by $252 in January compared to $214 of December. In other words, there has been an increase by $38 when you compare January and December.

The average cost of liability insurance in the New Vernon rose to $84 in January, compared to $75 in December. This represents an increase of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in New Vernon?

The car insurance in New Vernon is $53 per month, which is lower than the national average.

What is the cheapest car insurance in New Vernon?

The cheapest car insurance in New Vernon is $112 per month for full coverage.

How much is car insurance in New Vernon for teenagers?

Car insurance for teenagers costs $465 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 New Vernon?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $181 per month to insure your car in New Vernon.

Is car insurance expensive in New Vernon?

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

Cheapest Car Insurance Quotes in New Vernon

Why you can trust Way?

How Much Is Car Insurance in New Vernon

Avg. Car Insurance in New Vernon

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in New Vernon

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

New Vernon Car Insurance Rates by Company

Cheap Car Insurance Companies in New Vernon, NJ

Way's key takeaways about car insurance in New Vernon

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in New Vernon

Cheapest Liability Coverage in New Vernon, NJ

Cheapest Full Coverage Car Insurance in New Vernon

Cheapest Full Coverage Car Insurance Quotes in New Vernon, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in New Vernon by Rating Factor

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

Car Insurance Premiums by Age in New Vernon

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in New Vernon,NJ

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

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 New Vernon

Cheapest Car Insurance Companies after an At-Fault Accident in New Vernon

New Vernon Car Insurance Rates by Violation

New Vernon auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in New Vernon after a DUI

New Vernon car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in New Vernon after Speeding ticket

Car Insurance Price Trends in New Vernon, New Jersey

Average Car Insurance Cost in New Vernon by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near New Vernon, NJ

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

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