Cheapest Car Insurance Quotes in Norwood

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Norwood Car Insurance

^$ 66

/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 Norwood

The car insurance rate in Norwood is $1337 for a six-month policy, which is $99 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $834, making it a popular choice for budget-conscious drivers. Rates in Norwood 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 Norwood

$1337

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Norwood

1st place: New Jersey Manufacturers

At $834 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 $1008 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1020 for six months, making it the third cheapest auto insurance company in Norwood.

Norwood Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Norwood, NJ is New Jersey Manufacturers, offering policies at just $834 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1008.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2226 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Norwood drivers find the best deals.

Cheap Car Insurance Companies in Norwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$834	$139
New Jersey Skylands Insurance	$1008	$172
NJM	$1020	$172
Plymouth Rock	$1110	$187
Progressive	$1167	$197
Travelers	$1244	$210
Amica Mutual	$1412	$235
Allstate	$1456	$245
State Farm	$1571	$265
Selective	$1661	$280
Farmers	$2226	$372

Key Takeaways

Way's key takeaways about car insurance in Norwood

The auto insurance costs in Norwood fall around $834 for six months.
The cheapest auto insurance company in Norwood is New Jersey Manufacturers.
Teen drivers pay the highest rate in Norwood at $1130 per month.

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Cheapest Minimum Liability Car Insurance in Norwood

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 Norwood are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Norwood. Their Average 6 Month Premium is $384. Farmers is the most expensive at $1110 for the same period.

Cheapest Liability Coverage in Norwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$384	$66
Plymouth Rock	$519	$87
NJM	$532	$90
New Jersey Skylands Insurance	$565	$94
Amica Mutual	$578	$98
Amica	$661	$110
Progressive	$661	$111
Travelers	$680	$114
State Farm	$712	$120
Allstate	$789	$133
Selective	$879	$148
Farmers	$1110	$185

Cheapest Full Coverage Car Insurance in Norwood

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 Norwood is New Jersey Manufacturers at $139 per month and $834 for six months.

Cheapest Full Coverage Car Insurance Quotes in Norwood, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$834	$139
New Jersey Skylands Insurance	$1008	$172
NJM	$1020	$172
Plymouth Rock	$1110	$187
Progressive	$1167	$197
Travelers	$1244	$210
Amica Mutual	$1412	$235
Allstate	$1456	$245
State Farm	$1571	$265
Selective	$1661	$280
Farmers	$2226	$372

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Average Car Insurance in Norwood 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 Norwood, NJ increasing?

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

Car Insurance Premiums by Age in Norwood

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	$828
30s	NJM	$644
40s	NJM	$596
50s	NJM	$550
60s	NJM	$507

Cheapest Car Insurance Rates for Teen Drivers in Norwood,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 Norwood at $98 per month. At $6646 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	$578	$98
NJM	$1155	$194
New Jersey Manufacturers	$1912	$325
Travelers	$2695	$454
Selective	$2919	$491
Plymouth Rock	$3028	$510
Amica Mutual	$3380	$575
Allstate	$3670	$618
Progressive	$3708	$624
State Farm	$4395	$740
Farmers	$6646	$1130

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 Norwood.

As young drivers face the highest rates in Norwood, NJM offers the cheapest auto insurance rates at $828 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 Norwood, Amica Mutual is the cheapest car insurance provider. At $705 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 Norwood is State Farm, offering rates of around $7807 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$705	$120
New Jersey Skylands Insurance	$886	$148
Foremost	$988	$168
NJM	$1238	$208
Progressive	$1591	$268
Plymouth Rock	$1643	$276
Farmers	$2951	$502
Selective	$3413	$569
Travelers	$3644	$620
Allstate	$3817	$636
State Farm	$7807	$1327

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Car Insurance Rates with An Accident in Norwood

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

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

The cheapest car insurance companies after an at-fault accident in Norwood include New Jersey Skylands Insurance and NJM, offering $680 and $725, respectively. Farmers is an expensive provider with an average six-month premium of $4311.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$680	$113
NJM	$725	$122
New Jersey Manufacturers	$879	$147
Plymouth Rock	$917	$154
Amica Mutual	$1091	$184
Progressive	$1534	$258
Selective	$2079	$350
Travelers	$2130	$359
State Farm	$2463	$415
Allstate	$3849	$648
Farmers	$4311	$718

Norwood Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Norwood NJ. For example, the car insurance in Norwood after a DUI increases to $1360 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.

Norwood auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1251	$208
One Med/PIP claim	$1257	$214
Not-at-fault accident	$1315	$219
One comp claim	$1328	$226
Two Med/PIP claims	$1335	$222
Speeding 6 - 10 MPH over limit	$1437	$244
Speeding 11 - 15 MPH over limit	$1444	$241
Two comp claims	$1444	$245
Failure to show documents	$1462	$244
At-fault accident - less than $1000	$1482	$252
Failure to wear a seat belt	$1501	$251
Driving too slowly	$1508	$256
Driving without lights	$1514	$253
Child safety restraint	$1540	$261
Driving with expired registration	$1540	$257
Wrong way/wrong lane	$1565	$266
Failure to yield	$1571	$262
Failure to stop at a red light	$1578	$268
Illegal turn	$1604	$268
Cell phone violation	$1623	$276
Texting while driving	$1623	$270
Speeding in school zone	$1649	$281
Operating a vehicle without permission	$1656	$275
Speeding 16 - 20 MPH over limit	$1656	$282
Improper passing	$1693	$282
Following too closely	$1700	$289
Passing school bus	$1770	$295
In 65 MPH zone	$1783	$303
Speeding 21 - 25 MPH over limit	$1841	$307
At-fault accident - $1000-$2000	$1892	$322
At-fault accident - greater than $2000	$1905	$318
Open container	$2130	$362
Reckless driving	$2496	$416
Leaving scene of an accident/hit and run	$2592	$441
DUI	$2611	$435
Refusal to submit to a chemical test	$2611	$444
Racing	$2618	$436
Driving with a suspended license	$2721	$462

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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 Norwood 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 Norwood.

The cheapest car insurance premiums in Norwood are offered by Plymouth Rock at $789 for a six-month policy. However, it can be as expensive as $5896 with companies like State Farm.

Norwood car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$789	$133
Foremost	$866	$145
NJM	$873	$147
Mercury	$1001	$166
New Jersey Manufacturers	$1078	$184
Progressive	$1097	$185
Travelers	$1656	$279
Allstate	$1982	$334
Selective	$2438	$410
Farmers	$2810	$469
Amica Mutual	$5575	$948
State Farm	$5896	$993

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 Norwood are offered by Plymouth Rock at $731. However, it can be as expensive as $3772 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Norwood after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$731	$123
NJM	$930	$157
Progressive	$1283	$216
Selective	$1848	$308
State Farm	$1873	$319
Travelers	$2149	$359
Allstate	$3131	$532
Farmers	$3772	$629

Car Insurance Price Trends in Norwood, New Jersey

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

The average cost of full coverage in the Norwood rose by $313 in January compared to $266 of December. In other words, there has been an increase by $47 when you compare January and December.

The average cost of liability insurance in the Norwood rose to $105 in January, compared to $93 in December. This represents an increase of $12 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Norwood?

The car insurance in Norwood is $66 per month, which is lower than the national average.

What is the cheapest car insurance in Norwood?

The cheapest car insurance in Norwood is $139 per month for full coverage.

How much is car insurance in Norwood for teenagers?

Car insurance for teenagers costs $578 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 Norwood?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $225 per month to insure your car in Norwood.

Is car insurance expensive in Norwood?

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

Cheapest Car Insurance Quotes in Norwood

Why you can trust Way?

How Much Is Car Insurance in Norwood

Avg. Car Insurance in Norwood

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Norwood

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Norwood Car Insurance Rates by Company

Cheap Car Insurance Companies in Norwood, NJ

Way's key takeaways about car insurance in Norwood

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Norwood

Cheapest Liability Coverage in Norwood, NJ

Cheapest Full Coverage Car Insurance in Norwood

Cheapest Full Coverage Car Insurance Quotes in Norwood, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Norwood by Rating Factor

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

Car Insurance Premiums by Age in Norwood

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Norwood,NJ

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

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 Norwood

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

Norwood Car Insurance Rates by Violation

Norwood auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Norwood after a DUI

Norwood car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Norwood after Speeding ticket

Car Insurance Price Trends in Norwood, New Jersey

Average Car Insurance Cost in Norwood by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Norwood, NJ

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

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