Cheapest Car Insurance Quotes in Pedricktown

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Pedricktown Car Insurance

^$ 57

/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 Pedricktown

The car insurance rate in Pedricktown is $1164 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $726, making it a popular choice for budget-conscious drivers. Rates in Pedricktown 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 Pedricktown

$1164

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Pedricktown

1st place: New Jersey Manufacturers

At $726 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 $877 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $887 for six months, making it the third cheapest auto insurance company in Pedricktown.

Pedricktown Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Pedricktown, NJ is New Jersey Manufacturers, offering policies at just $726 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $877.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1937 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Pedricktown drivers find the best deals.

Cheap Car Insurance Companies in Pedricktown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$726	$121
New Jersey Skylands Insurance	$877	$149
NJM	$887	$149
Plymouth Rock	$966	$163
Progressive	$1016	$171
Travelers	$1083	$182
Amica Mutual	$1229	$205
Allstate	$1267	$213
State Farm	$1368	$230
Selective	$1446	$243
Farmers	$1937	$323

Key Takeaways

Way's key takeaways about car insurance in Pedricktown

The auto insurance costs in Pedricktown fall around $726 for six months.
The cheapest auto insurance company in Pedricktown is New Jersey Manufacturers.
Teen drivers pay the highest rate in Pedricktown at $983 per month.

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Cheapest Minimum Liability Car Insurance in Pedricktown

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 Pedricktown are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Pedricktown. Their Average 6 Month Premium is $335. Farmers is the most expensive at $966 for the same period.

Cheapest Liability Coverage in Pedricktown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$335	$57
Plymouth Rock	$452	$76
NJM	$463	$78
New Jersey Skylands Insurance	$492	$82
Amica Mutual	$503	$86
Amica	$575	$96
Progressive	$575	$97
Travelers	$592	$100
State Farm	$619	$104
Allstate	$687	$116
Selective	$765	$129
Farmers	$966	$161

Cheapest Full Coverage Car Insurance in Pedricktown

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 Pedricktown is New Jersey Manufacturers at $121 per month and $726 for six months.

Cheapest Full Coverage Car Insurance Quotes in Pedricktown, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$726	$121
New Jersey Skylands Insurance	$877	$149
NJM	$887	$149
Plymouth Rock	$966	$163
Progressive	$1016	$171
Travelers	$1083	$182
Amica Mutual	$1229	$205
Allstate	$1267	$213
State Farm	$1368	$230
Selective	$1446	$243
Farmers	$1937	$323

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Average Car Insurance in Pedricktown 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 Pedricktown, NJ increasing?

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

Car Insurance Premiums by Age in Pedricktown

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	$721
30s	NJM	$560
40s	NJM	$519
50s	NJM	$478
60s	NJM	$441

Cheapest Car Insurance Rates for Teen Drivers in Pedricktown,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 Pedricktown at $86 per month. At $5785 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	$503	$86
NJM	$1005	$169
New Jersey Manufacturers	$1664	$283
Travelers	$2345	$395
Selective	$2541	$428
Plymouth Rock	$2636	$444
Amica Mutual	$2942	$500
Allstate	$3194	$538
Progressive	$3227	$543
State Farm	$3825	$644
Farmers	$5785	$983

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 Pedricktown.

As young drivers face the highest rates in Pedricktown, NJM offers the cheapest auto insurance rates at $721 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 Pedricktown, Amica Mutual is the cheapest car insurance provider. At $614 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 Pedricktown is State Farm, offering rates of around $6795 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$614	$104
New Jersey Skylands Insurance	$771	$129
Foremost	$860	$147
NJM	$1077	$181
Progressive	$1385	$233
Plymouth Rock	$1430	$241
Farmers	$2568	$437
Selective	$2970	$495
Travelers	$3172	$540
Allstate	$3322	$554
State Farm	$6795	$1155

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

Car Insurance Rates with An Accident in Pedricktown

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

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

The cheapest car insurance companies after an at-fault accident in Pedricktown include New Jersey Skylands Insurance and NJM, offering $592 and $631, respectively. Farmers is an expensive provider with an average six-month premium of $3752.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$592	$99
NJM	$631	$106
New Jersey Manufacturers	$765	$128
Plymouth Rock	$798	$134
Amica Mutual	$949	$160
Progressive	$1335	$225
Selective	$1810	$305
Travelers	$1854	$312
State Farm	$2144	$361
Allstate	$3350	$564
Farmers	$3752	$625

Pedricktown Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Pedricktown NJ. For example, the car insurance in Pedricktown after a DUI increases to $1184 for a six month policy. While the rate increases by $162 for a six-month policy in the case of a speeding ticket.

Pedricktown auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1089	$181
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1145	$191
One comp claim	$1156	$196
Two Med/PIP claims	$1162	$194
Speeding 6 - 10 MPH over limit	$1251	$212
Speeding 11 - 15 MPH over limit	$1257	$210
Two comp claims	$1257	$213
Failure to show documents	$1273	$212
At-fault accident - less than $1000	$1290	$219
Failure to wear a seat belt	$1307	$218
Driving too slowly	$1312	$223
Driving without lights	$1318	$220
Child safety restraint	$1340	$227
Driving with expired registration	$1340	$224
Wrong way/wrong lane	$1362	$231
Failure to yield	$1368	$228
Failure to stop at a red light	$1373	$233
Illegal turn	$1396	$233
Cell phone violation	$1413	$241
Texting while driving	$1413	$235
Speeding in school zone	$1435	$244
Operating a vehicle without permission	$1441	$240
Speeding 16 - 20 MPH over limit	$1441	$245
Improper passing	$1474	$245
Following too closely	$1480	$252
Passing school bus	$1541	$257
In 65 MPH zone	$1552	$264
Speeding 21 - 25 MPH over limit	$1603	$267
At-fault accident - $1000-$2000	$1647	$280
At-fault accident - greater than $2000	$1658	$276
Open container	$1854	$315
Reckless driving	$2172	$362
Leaving scene of an accident/hit and run	$2256	$384
DUI	$2273	$379
Refusal to submit to a chemical test	$2273	$386
Racing	$2279	$380
Driving with a suspended license	$2368	$402

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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 Pedricktown 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 Pedricktown.

The cheapest car insurance premiums in Pedricktown are offered by Plymouth Rock at $687 for a six-month policy. However, it can be as expensive as $5131 with companies like State Farm.

Pedricktown car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$687	$116
Foremost	$754	$126
NJM	$760	$128
Mercury	$871	$145
New Jersey Manufacturers	$938	$160
Progressive	$955	$161
Travelers	$1441	$243
Allstate	$1725	$290
Selective	$2122	$357
Farmers	$2446	$408
Amica Mutual	$4852	$825
State Farm	$5131	$864

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 Pedricktown are offered by Plymouth Rock at $636. However, it can be as expensive as $3283 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Pedricktown after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$636	$107
NJM	$809	$136
Progressive	$1117	$188
Selective	$1608	$268
State Farm	$1630	$277
Travelers	$1871	$312
Allstate	$2725	$463
Farmers	$3283	$547

Car Insurance Price Trends in Pedricktown, New Jersey

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

The average cost of full coverage in the Pedricktown rose by $273 in January compared to $231 of December. In other words, there has been an increase by $42 when you compare January and December.

The average cost of liability insurance in the Pedricktown rose to $91 in January, compared to $81 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Pedricktown?

The car insurance in Pedricktown is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Pedricktown?

The cheapest car insurance in Pedricktown is $121 per month for full coverage.

How much is car insurance in Pedricktown for teenagers?

Car insurance for teenagers costs $503 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 Pedricktown?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $196 per month to insure your car in Pedricktown.

Is car insurance expensive in Pedricktown?

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

Cheapest Car Insurance Quotes in Pedricktown

Why you can trust Way?

How Much Is Car Insurance in Pedricktown

Avg. Car Insurance in Pedricktown

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Pedricktown

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Pedricktown Car Insurance Rates by Company

Cheap Car Insurance Companies in Pedricktown, NJ

Way's key takeaways about car insurance in Pedricktown

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Pedricktown

Cheapest Liability Coverage in Pedricktown, NJ

Cheapest Full Coverage Car Insurance in Pedricktown

Cheapest Full Coverage Car Insurance Quotes in Pedricktown, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Pedricktown by Rating Factor

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

Car Insurance Premiums by Age in Pedricktown

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Pedricktown,NJ

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

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 Pedricktown

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

Pedricktown Car Insurance Rates by Violation

Pedricktown auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Pedricktown after a DUI

Pedricktown car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Pedricktown after Speeding ticket

Car Insurance Price Trends in Pedricktown, New Jersey

Average Car Insurance Cost in Pedricktown by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Pedricktown, NJ

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

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