Cheapest Car Insurance Quotes in North Plainfield

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North Plainfield Car Insurance

^$ 76

/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 North Plainfield

The car insurance rate in North Plainfield is $1436 for a six-month policy, which is $314 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 North Plainfield 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 North Plainfield

$1436

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in North Plainfield

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: NJM

NJM offers auto insurance rates at $1179 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 $1194 for six months, making it the third cheapest auto insurance company in North Plainfield.

North Plainfield Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Plainfield, NJ is New Jersey Manufacturers, offering policies at just $988 for a six-month term. This is followed by NJM, which has an average six-month premium of $1179.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1300 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Plainfield drivers find the best deals.

Cheap Car Insurance Companies in North Plainfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$988	$168
NJM	$1179	$198
New Jersey Skylands Insurance	$1194	$204
Progressive	$1208	$204
Plymouth Rock	$1285	$216
Allstate	$1453	$244
Travelers	$1498	$252
State Farm	$1596	$269
Amica Mutual	$1673	$284
Selective	$1741	$291
Farmers	$2121	$361
National General	$1300	$221

Key Takeaways

Way's key takeaways about car insurance in North Plainfield

The auto insurance costs in North Plainfield fall around $988 for six months.
The cheapest auto insurance company in North Plainfield is New Jersey Manufacturers.
Teen drivers pay the highest rate in North Plainfield at $1350 per month.

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Cheapest Minimum Liability Car Insurance in North Plainfield

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 North Plainfield are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in North Plainfield. Their Average 6 Month Premium is $456. National General is the most expensive at $479 for the same period.

Cheapest Liability Coverage in North Plainfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$456	$76
Plymouth Rock	$571	$96
Progressive	$571	$96
NJM	$616	$104
New Jersey Skylands Insurance	$669	$111
State Farm	$677	$114
Amica Mutual	$685	$114
Travelers	$685	$115
Amica	$783	$131
Selective	$828	$141
Allstate	$851	$143
Farmers	$1376	$234
National General	$479	$82

Cheapest Full Coverage Car Insurance in North Plainfield

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 North Plainfield is New Jersey Manufacturers at $168 per month and $988 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Plainfield, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$988	$168
NJM	$1179	$198
New Jersey Skylands Insurance	$1194	$204
Progressive	$1208	$204
Plymouth Rock	$1285	$216
Allstate	$1453	$244
Travelers	$1498	$252
State Farm	$1596	$269
Amica Mutual	$1673	$284
Selective	$1741	$291
Farmers	$2121	$361
National General	$1300	$221

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Average Car Insurance in North Plainfield 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 North Plainfield, NJ increasing?

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

Car Insurance Premiums by Age in North Plainfield

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 North Plainfield,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 North Plainfield at $116 per month. At $7945 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
Selective	$859	$143
NJM	$1308	$220
New Jersey Manufacturers	$2266	$378
Travelers	$3171	$534
Plymouth Rock	$3398	$572
Allstate	$3406	$573
Progressive	$3711	$625
Amica Mutual	$4006	$681
State Farm	$4394	$740
Farmers	$7945	$1350

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 North Plainfield.

As young drivers face the highest rates in North Plainfield, 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 North Plainfield, 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 North Plainfield is Farmers, offering rates of around $7177 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	$1414	$238
Progressive	$1430	$241
Plymouth Rock	$1855	$312
Allstate	$3171	$539
Travelers	$4562	$760
State Farm	$6941	$1180
Farmers	$7177	$1197

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Car Insurance Rates with An Accident in North Plainfield

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

Cheapest Car Insurance Companies after an At-Fault Accident in North Plainfield

The cheapest car insurance companies after an at-fault accident in North Plainfield include New Jersey Skylands Insurance and NJM, offering $806 and $828, respectively. National General is an expensive provider with an average six-month premium of $556.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$806	$134
NJM	$828	$140
New Jersey Manufacturers	$1042	$174
Plymouth Rock	$1050	$177
Selective	$1208	$201
Amica Mutual	$1293	$218
Progressive	$1612	$271
State Farm	$2464	$415
Travelers	$2600	$438
Allstate	$3626	$611
Farmers	$6546	$1091
National General	$556	$92

North Plainfield Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Plainfield NJ. For example, the car insurance in North Plainfield 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.

North Plainfield 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 North Plainfield 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 North Plainfield.

The cheapest car insurance premiums in North Plainfield are offered by Plymouth Rock at $905 for a six-month policy. However, it can be as expensive as $6607 with companies like Amica Mutual.

North Plainfield car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$905	$152
NJM	$996	$168
Foremost	$1027	$174
Progressive	$1156	$195
Mercury	$1187	$202
New Jersey Manufacturers	$1277	$212
Selective	$1353	$230
Allstate	$1932	$325
Travelers	$2015	$339
State Farm	$5878	$989
Farmers	$6509	$1107
Amica Mutual	$6607	$1101

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 North Plainfield are offered by Plymouth Rock at $828. However, it can be as expensive as $2995 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Plainfield after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$828	$140
NJM	$1050	$177
Progressive	$1187	$200
State Farm	$1681	$285
Allstate	$2540	$424
Travelers	$2669	$454
Farmers	$2995	$499

Car Insurance Price Trends in North Plainfield, New Jersey

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

The average cost of full coverage in the North Plainfield rose by $315 in December compared to $311 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the North Plainfield rose to $110 in December, compared to $106 in November. This represents an increase of $4 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in North Plainfield?

The car insurance in North Plainfield is $76 per month, which is lower than the national average.

What is the cheapest car insurance in North Plainfield?

The cheapest car insurance in North Plainfield is $168 per month for full coverage.

How much is car insurance in North Plainfield 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 North Plainfield?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $242 per month to insure your car in North Plainfield.

Is car insurance expensive in North Plainfield?

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

Cheapest Car Insurance Quotes in North Plainfield

Why you can trust Way?

How Much Is Car Insurance in North Plainfield

Avg. Car Insurance in North Plainfield

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in North Plainfield

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

North Plainfield Car Insurance Rates by Company

Cheap Car Insurance Companies in North Plainfield, NJ

Way's key takeaways about car insurance in North Plainfield

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in North Plainfield

Cheapest Liability Coverage in North Plainfield, NJ

Cheapest Full Coverage Car Insurance in North Plainfield

Cheapest Full Coverage Car Insurance Quotes in North Plainfield, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in North Plainfield by Rating Factor

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

Car Insurance Premiums by Age in North Plainfield

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in North Plainfield,NJ

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

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 North Plainfield

Cheapest Car Insurance Companies after an At-Fault Accident in North Plainfield

North Plainfield Car Insurance Rates by Violation

North Plainfield auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in North Plainfield after a DUI

North Plainfield car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in North Plainfield after Speeding ticket

Car Insurance Price Trends in North Plainfield, New Jersey

Average Car Insurance Cost in North Plainfield by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near North Plainfield, NJ

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

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