Cheapest Car Insurance Quotes in Port Reading

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Port Reading 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 Port Reading

The car insurance rate in Port Reading is $1349 for a six-month policy, which is $111 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $841, making it a popular choice for budget-conscious drivers. Rates in Port Reading 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 Port Reading

$1349

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Port Reading

1st place: New Jersey Manufacturers

At $841 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 $1017 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1029 for six months, making it the third cheapest auto insurance company in Port Reading.

Port Reading Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Port Reading, NJ is New Jersey Manufacturers, offering policies at just $841 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1017.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2246 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Port Reading drivers find the best deals.

Cheap Car Insurance Companies in Port Reading, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$841	$141
New Jersey Skylands Insurance	$1017	$173
NJM	$1029	$173
Plymouth Rock	$1121	$189
Progressive	$1178	$198
Travelers	$1256	$211
Amica Mutual	$1425	$238
Allstate	$1469	$247
State Farm	$1586	$267
Selective	$1676	$282
Farmers	$2246	$375

Key Takeaways

Way's key takeaways about car insurance in Port Reading

The auto insurance costs in Port Reading fall around $841 for six months.
The cheapest auto insurance company in Port Reading is New Jersey Manufacturers.
Teen drivers pay the highest rate in Port Reading at $1140 per month.

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

Cheapest Minimum Liability Car Insurance in Port Reading

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 Port Reading are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Port Reading. Their Average 6 Month Premium is $388. Farmers is the most expensive at $1121 for the same period.

Cheapest Liability Coverage in Port Reading, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$388	$66
Plymouth Rock	$524	$88
NJM	$537	$90
New Jersey Skylands Insurance	$570	$95
Amica Mutual	$583	$99
Amica	$667	$111
Progressive	$667	$112
Travelers	$687	$116
State Farm	$718	$121
Allstate	$797	$134
Selective	$887	$149
Farmers	$1121	$186

Cheapest Full Coverage Car Insurance in Port Reading

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 Port Reading is New Jersey Manufacturers at $141 per month and $841 for six months.

Cheapest Full Coverage Car Insurance Quotes in Port Reading, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$841	$141
New Jersey Skylands Insurance	$1017	$173
NJM	$1029	$173
Plymouth Rock	$1121	$189
Progressive	$1178	$198
Travelers	$1256	$211
Amica Mutual	$1425	$238
Allstate	$1469	$247
State Farm	$1586	$267
Selective	$1676	$282
Farmers	$2246	$375

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Average Car Insurance in Port Reading 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 Port Reading, NJ increasing?

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

Car Insurance Premiums by Age in Port Reading

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	$836
30s	NJM	$650
40s	NJM	$602
50s	NJM	$555
60s	NJM	$511

Cheapest Car Insurance Rates for Teen Drivers in Port Reading,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 Port Reading at $99 per month. At $6708 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	$583	$99
NJM	$1165	$196
New Jersey Manufacturers	$1929	$328
Travelers	$2720	$458
Selective	$2946	$496
Plymouth Rock	$3056	$514
Amica Mutual	$3412	$580
Allstate	$3704	$623
Progressive	$3742	$630
State Farm	$4435	$747
Farmers	$6708	$1140

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 Port Reading.

As young drivers face the highest rates in Port Reading, NJM offers the cheapest auto insurance rates at $836 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 Port Reading, Amica Mutual is the cheapest car insurance provider. At $712 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 Port Reading is State Farm, offering rates of around $7880 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$712	$121
New Jersey Skylands Insurance	$894	$149
Foremost	$997	$170
NJM	$1249	$210
Progressive	$1606	$270
Plymouth Rock	$1658	$279
Farmers	$2978	$507
Selective	$3444	$574
Travelers	$3678	$626
Allstate	$3852	$642
State Farm	$7880	$1340

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Car Insurance Rates with An Accident in Port Reading

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

Cheapest Car Insurance Companies after an At-Fault Accident in Port Reading

The cheapest car insurance companies after an at-fault accident in Port Reading include New Jersey Skylands Insurance and NJM, offering $687 and $731, respectively. Farmers is an expensive provider with an average six-month premium of $4351.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$687	$114
NJM	$731	$123
New Jersey Manufacturers	$887	$148
Plymouth Rock	$925	$156
Amica Mutual	$1101	$185
Progressive	$1548	$261
Selective	$2098	$353
Travelers	$2149	$362
State Farm	$2486	$419
Allstate	$3885	$654
Farmers	$4351	$725

Port Reading Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Port Reading NJ. For example, the car insurance in Port Reading after a DUI increases to $1374 for a six month policy. While the rate increases by $189 for a six-month policy in the case of a speeding ticket.

Port Reading auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1262	$210
One Med/PIP claim	$1269	$216
Not-at-fault accident	$1328	$221
One comp claim	$1341	$228
Two Med/PIP claims	$1347	$225
Speeding 6 - 10 MPH over limit	$1451	$246
Speeding 11 - 15 MPH over limit	$1457	$243
Two comp claims	$1457	$247
Failure to show documents	$1476	$246
At-fault accident - less than $1000	$1495	$254
Failure to wear a seat belt	$1515	$253
Driving too slowly	$1522	$258
Driving without lights	$1528	$255
Child safety restraint	$1554	$264
Driving with expired registration	$1554	$259
Wrong way/wrong lane	$1579	$268
Failure to yield	$1586	$265
Failure to stop at a red light	$1592	$270
Illegal turn	$1619	$270
Cell phone violation	$1638	$279
Texting while driving	$1638	$273
Speeding in school zone	$1664	$283
Operating a vehicle without permission	$1671	$278
Speeding 16 - 20 MPH over limit	$1671	$284
Improper passing	$1709	$284
Following too closely	$1716	$292
Passing school bus	$1787	$298
In 65 MPH zone	$1800	$306
Speeding 21 - 25 MPH over limit	$1858	$310
At-fault accident - $1000-$2000	$1910	$325
At-fault accident - greater than $2000	$1923	$320
Open container	$2149	$365
Reckless driving	$2519	$420
Leaving scene of an accident/hit and run	$2616	$445
DUI	$2636	$439
Refusal to submit to a chemical test	$2636	$448
Racing	$2642	$440
Driving with a suspended license	$2746	$467

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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 Port Reading 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 Port Reading.

The cheapest car insurance premiums in Port Reading are offered by Plymouth Rock at $797 for a six-month policy. However, it can be as expensive as $5950 with companies like State Farm.

Port Reading car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$797	$134
Foremost	$874	$146
NJM	$881	$148
Mercury	$1010	$168
New Jersey Manufacturers	$1088	$185
Progressive	$1107	$186
Travelers	$1671	$281
Allstate	$2000	$337
Selective	$2460	$414
Farmers	$2836	$473
Amica Mutual	$5627	$957
State Farm	$5950	$1002

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 Port Reading are offered by Plymouth Rock at $738. However, it can be as expensive as $3807 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Port Reading after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$738	$124
NJM	$938	$158
Progressive	$1295	$218
Selective	$1865	$311
State Farm	$1890	$322
Travelers	$2169	$362
Allstate	$3160	$537
Farmers	$3807	$634

Car Insurance Price Trends in Port Reading, New Jersey

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

The average cost of full coverage in the Port Reading rose by $316 in January compared to $268 of December. In other words, there has been an increase by $48 when you compare January and December.

The average cost of liability insurance in the Port Reading rose to $106 in January, compared to $94 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 Port Reading?

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

What is the cheapest car insurance in Port Reading?

The cheapest car insurance in Port Reading is $141 per month for full coverage.

How much is car insurance in Port Reading for teenagers?

Car insurance for teenagers costs $583 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 Port Reading?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $227 per month to insure your car in Port Reading.

Is car insurance expensive in Port Reading?

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

Cheapest Car Insurance Quotes in Port Reading

Why you can trust Way?

How Much Is Car Insurance in Port Reading

Avg. Car Insurance in Port Reading

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Port Reading

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Port Reading Car Insurance Rates by Company

Cheap Car Insurance Companies in Port Reading, NJ

Way's key takeaways about car insurance in Port Reading

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Port Reading

Cheapest Liability Coverage in Port Reading, NJ

Cheapest Full Coverage Car Insurance in Port Reading

Cheapest Full Coverage Car Insurance Quotes in Port Reading, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Port Reading by Rating Factor

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

Car Insurance Premiums by Age in Port Reading

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Port Reading,NJ

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

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 Port Reading

Cheapest Car Insurance Companies after an At-Fault Accident in Port Reading

Port Reading Car Insurance Rates by Violation

Port Reading auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Port Reading after a DUI

Port Reading car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Port Reading after Speeding ticket

Car Insurance Price Trends in Port Reading, New Jersey

Average Car Insurance Cost in Port Reading by ZIP Code

Frequently Asked Questions

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