Cheapest Car Insurance Quotes in Plainsboro Center

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Plainsboro Center Car Insurance

^$ 58

/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 Plainsboro Center

The car insurance rate in Plainsboro Center is $1100 for a six-month policy, which is $22 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $757, making it a popular choice for budget-conscious drivers. Rates in Plainsboro Center 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 Plainsboro Center

$1100

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Plainsboro Center

1st place: New Jersey Manufacturers

At $757 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 $903 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 $914 for six months, making it the third cheapest auto insurance company in Plainsboro Center.

Plainsboro Center Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Plainsboro Center, NJ is New Jersey Manufacturers, offering policies at just $757 for a six-month term. This is followed by NJM, which has an average six-month premium of $903.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $996 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Plainsboro Center drivers find the best deals.

Cheap Car Insurance Companies in Plainsboro Center, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$757	$128
NJM	$903	$152
New Jersey Skylands Insurance	$914	$156
Progressive	$925	$156
Plymouth Rock	$984	$166
Allstate	$1112	$187
Travelers	$1147	$193
State Farm	$1222	$206
Amica Mutual	$1281	$218
Selective	$1333	$222
Farmers	$1624	$276
National General	$996	$170

Key Takeaways

Way's key takeaways about car insurance in Plainsboro Center

The auto insurance costs in Plainsboro Center fall around $757 for six months.
The cheapest auto insurance company in Plainsboro Center is New Jersey Manufacturers.
Teen drivers pay the highest rate in Plainsboro Center at $1034 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Plainsboro Center

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 Plainsboro Center are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Plainsboro Center. Their Average 6 Month Premium is $349. National General is the most expensive at $367 for the same period.

Cheapest Liability Coverage in Plainsboro Center, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$349	$58
Plymouth Rock	$437	$74
Progressive	$437	$74
NJM	$471	$79
New Jersey Skylands Insurance	$513	$85
State Farm	$518	$87
Amica Mutual	$524	$87
Travelers	$524	$88
Amica	$600	$100
Selective	$634	$108
Allstate	$652	$110
Farmers	$1054	$179
National General	$367	$63

Cheapest Full Coverage Car Insurance in Plainsboro Center

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 Plainsboro Center is New Jersey Manufacturers at $128 per month and $757 for six months.

Cheapest Full Coverage Car Insurance Quotes in Plainsboro Center, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$757	$128
NJM	$903	$152
New Jersey Skylands Insurance	$914	$156
Progressive	$925	$156
Plymouth Rock	$984	$166
Allstate	$1112	$187
Travelers	$1147	$193
State Farm	$1222	$206
Amica Mutual	$1281	$218
Selective	$1333	$222
Farmers	$1624	$276
National General	$996	$170

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Average Car Insurance in Plainsboro Center 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 Plainsboro Center, NJ increasing?

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

Car Insurance Premiums by Age in Plainsboro Center

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	$752
30s	NJM	$584
40s	NJM	$541
50s	NJM	$499
60s	NJM	$460

Cheapest Car Insurance Rates for Teen Drivers in Plainsboro Center,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 Plainsboro Center at $89 per month. At $6083 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	$524	$89
Selective	$658	$110
NJM	$1002	$169
New Jersey Manufacturers	$1735	$289
Travelers	$2427	$409
Plymouth Rock	$2602	$438
Allstate	$2608	$439
Progressive	$2841	$478
Amica Mutual	$3067	$521
State Farm	$3364	$566
Farmers	$6083	$1034

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 Plainsboro Center.

As young drivers face the highest rates in Plainsboro Center, NJM offers the cheapest auto insurance rates at $752 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 Plainsboro Center, Amica Mutual is the cheapest car insurance provider. At $640 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 Plainsboro Center is Farmers, offering rates of around $5495 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$640	$109
New Jersey Skylands Insurance	$804	$134
Foremost	$897	$153
NJM	$1083	$182
Progressive	$1095	$184
Plymouth Rock	$1420	$239
Allstate	$2427	$413
Travelers	$3493	$582
State Farm	$5315	$904
Farmers	$5495	$916

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

Car Insurance Rates with An Accident in Plainsboro Center

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

Cheapest Car Insurance Companies after an At-Fault Accident in Plainsboro Center

The cheapest car insurance companies after an at-fault accident in Plainsboro Center include New Jersey Skylands Insurance and NJM, offering $617 and $634, respectively. National General is an expensive provider with an average six-month premium of $425.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$617	$103
NJM	$634	$107
New Jersey Manufacturers	$798	$133
Plymouth Rock	$804	$135
Selective	$925	$154
Amica Mutual	$990	$167
Progressive	$1234	$208
State Farm	$1887	$318
Travelers	$1990	$335
Allstate	$2776	$467
Farmers	$5012	$835
National General	$425	$71

Plainsboro Center Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Plainsboro Center NJ. For example, the car insurance in Plainsboro Center after a DUI increases to $1235 for a six month policy. While the rate increases by $169 for a six-month policy in the case of a speeding ticket.

Plainsboro Center auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1135	$189
One Med/PIP claim	$1141	$194
Not-at-fault accident	$1194	$199
One comp claim	$1205	$205
Two Med/PIP claims	$1211	$202
Speeding 6 - 10 MPH over limit	$1304	$221
Speeding 11 - 15 MPH over limit	$1310	$219
Two comp claims	$1310	$222
Failure to show documents	$1327	$221
At-fault accident - less than $1000	$1345	$228
Failure to wear a seat belt	$1362	$227
Driving too slowly	$1368	$232
Driving without lights	$1374	$229
Child safety restraint	$1397	$237
Driving with expired registration	$1397	$233
Wrong way/wrong lane	$1420	$241
Failure to yield	$1426	$238
Failure to stop at a red light	$1432	$243
Illegal turn	$1455	$243
Cell phone violation	$1473	$251
Texting while driving	$1473	$245
Speeding in school zone	$1496	$255
Operating a vehicle without permission	$1502	$250
Speeding 16 - 20 MPH over limit	$1502	$256
Improper passing	$1537	$256
Following too closely	$1543	$263
Passing school bus	$1606	$268
In 65 MPH zone	$1618	$275
Speeding 21 - 25 MPH over limit	$1671	$278
At-fault accident - $1000-$2000	$1717	$292
At-fault accident - greater than $2000	$1729	$288
Open container	$1933	$328
Reckless driving	$2265	$377
Leaving scene of an accident/hit and run	$2352	$400
DUI	$2370	$395
Refusal to submit to a chemical test	$2370	$403
Racing	$2376	$396
Driving with a suspended license	$2469	$419

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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 Plainsboro Center 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 Plainsboro Center.

The cheapest car insurance premiums in Plainsboro Center are offered by Plymouth Rock at $693 for a six-month policy. However, it can be as expensive as $5059 with companies like Amica Mutual.

Plainsboro Center car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$693	$117
NJM	$762	$128
Foremost	$786	$133
Progressive	$885	$149
Mercury	$908	$155
New Jersey Manufacturers	$978	$163
Selective	$1036	$176
Allstate	$1479	$249
Travelers	$1543	$260
State Farm	$4500	$758
Farmers	$4983	$848
Amica Mutual	$5059	$843

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 Plainsboro Center are offered by Plymouth Rock at $634. However, it can be as expensive as $2293 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Plainsboro Center after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$634	$107
NJM	$804	$135
Progressive	$908	$153
State Farm	$1287	$219
Allstate	$1944	$324
Travelers	$2043	$348
Farmers	$2293	$382

Car Insurance Price Trends in Plainsboro Center, New Jersey

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

The average cost of full coverage in the Plainsboro Center rose by $241 in December compared to $238 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Plainsboro Center rose to $84 in December, compared to $81 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Plainsboro Center?

The car insurance in Plainsboro Center is $58 per month, which is lower than the national average.

What is the cheapest car insurance in Plainsboro Center?

The cheapest car insurance in Plainsboro Center is $128 per month for full coverage.

How much is car insurance in Plainsboro Center for teenagers?

Car insurance for teenagers costs $524 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 Plainsboro Center?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $185 per month to insure your car in Plainsboro Center.

Is car insurance expensive in Plainsboro Center?

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

Cheapest Car Insurance Quotes in Plainsboro Center

Why you can trust Way?

How Much Is Car Insurance in Plainsboro Center

Avg. Car Insurance in Plainsboro Center

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Plainsboro Center

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Plainsboro Center Car Insurance Rates by Company

Cheap Car Insurance Companies in Plainsboro Center, NJ

Way's key takeaways about car insurance in Plainsboro Center

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Plainsboro Center

Cheapest Liability Coverage in Plainsboro Center, NJ

Cheapest Full Coverage Car Insurance in Plainsboro Center

Cheapest Full Coverage Car Insurance Quotes in Plainsboro Center, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Plainsboro Center by Rating Factor

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

Car Insurance Premiums by Age in Plainsboro Center

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Plainsboro Center,NJ

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

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 Plainsboro Center

Cheapest Car Insurance Companies after an At-Fault Accident in Plainsboro Center

Plainsboro Center Car Insurance Rates by Violation

Plainsboro Center auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Plainsboro Center after a DUI

Plainsboro Center car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Plainsboro Center after Speeding ticket

Car Insurance Price Trends in Plainsboro Center, New Jersey

Average Car Insurance Cost in Plainsboro Center by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Plainsboro Center, NJ

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

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