Cheapest Car Insurance Quotes in Rahway

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Rahway 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 Rahway

The car insurance rate in Rahway is $1548 for a six-month policy, which is $310 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $965, making it a popular choice for budget-conscious drivers. Rates in Rahway 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 Rahway

$1548

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Rahway

1st place: New Jersey Manufacturers

At $965 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 $1166 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1180 for six months, making it the third cheapest auto insurance company in Rahway.

Rahway Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rahway, NJ is New Jersey Manufacturers, offering policies at just $965 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1166.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2576 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rahway drivers find the best deals.

Cheap Car Insurance Companies in Rahway, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$965	$161
New Jersey Skylands Insurance	$1166	$199
NJM	$1180	$199
Plymouth Rock	$1285	$216
Progressive	$1351	$228
Travelers	$1440	$243
Amica Mutual	$1634	$273
Allstate	$1685	$284
State Farm	$1819	$306
Selective	$1923	$324
Farmers	$2576	$430

Key Takeaways

Way's key takeaways about car insurance in Rahway

The auto insurance costs in Rahway fall around $965 for six months.
The cheapest auto insurance company in Rahway is New Jersey Manufacturers.
Teen drivers pay the highest rate in Rahway at $1308 per month.

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

Cheapest Minimum Liability Car Insurance in Rahway

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 Rahway are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Rahway. Their Average 6 Month Premium is $445. Farmers is the most expensive at $1285 for the same period.

Cheapest Liability Coverage in Rahway, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$445	$76
Plymouth Rock	$601	$101
NJM	$616	$104
New Jersey Skylands Insurance	$654	$109
Amica Mutual	$669	$114
Amica	$765	$128
Progressive	$765	$129
Travelers	$788	$133
State Farm	$824	$139
Allstate	$914	$154
Selective	$1018	$171
Farmers	$1285	$214

Cheapest Full Coverage Car Insurance in Rahway

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 Rahway is New Jersey Manufacturers at $161 per month and $965 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rahway, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$965	$161
New Jersey Skylands Insurance	$1166	$199
NJM	$1180	$199
Plymouth Rock	$1285	$216
Progressive	$1351	$228
Travelers	$1440	$243
Amica Mutual	$1634	$273
Allstate	$1685	$284
State Farm	$1819	$306
Selective	$1923	$324
Farmers	$2576	$430

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Average Car Insurance in Rahway 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 Rahway, NJ increasing?

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

Car Insurance Premiums by Age in Rahway

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	$959
30s	NJM	$745
40s	NJM	$690
50s	NJM	$636
60s	NJM	$586

Cheapest Car Insurance Rates for Teen Drivers in Rahway,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 Rahway at $114 per month. At $7693 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	$669	$114
NJM	$1336	$225
New Jersey Manufacturers	$2213	$376
Travelers	$3119	$525
Selective	$3379	$569
Plymouth Rock	$3505	$590
Amica Mutual	$3913	$665
Allstate	$4248	$715
Progressive	$4291	$723
State Farm	$5086	$856
Farmers	$7693	$1308

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 Rahway.

As young drivers face the highest rates in Rahway, NJM offers the cheapest auto insurance rates at $959 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 Rahway, Amica Mutual is the cheapest car insurance provider. At $816 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 Rahway is State Farm, offering rates of around $9036 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$816	$139
New Jersey Skylands Insurance	$1025	$171
Foremost	$1144	$195
NJM	$1433	$241
Progressive	$1841	$310
Plymouth Rock	$1901	$320
Farmers	$3415	$581
Selective	$3950	$659
Travelers	$4218	$718
Allstate	$4418	$736
State Farm	$9036	$1536

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Car Insurance Rates with An Accident in Rahway

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

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

The cheapest car insurance companies after an at-fault accident in Rahway include New Jersey Skylands Insurance and NJM, offering $788 and $839, respectively. Farmers is an expensive provider with an average six-month premium of $4990.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$788	$131
NJM	$839	$141
New Jersey Manufacturers	$1018	$170
Plymouth Rock	$1061	$179
Amica Mutual	$1263	$213
Progressive	$1775	$299
Selective	$2406	$405
Travelers	$2465	$415
State Farm	$2851	$480
Allstate	$4455	$750
Farmers	$4990	$831

Rahway Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rahway NJ. For example, the car insurance in Rahway after a DUI increases to $1575 for a six month policy. While the rate increases by $216 for a six-month policy in the case of a speeding ticket.

Rahway auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1448	$241
One Med/PIP claim	$1455	$248
Not-at-fault accident	$1523	$254
One comp claim	$1538	$261
Two Med/PIP claims	$1545	$258
Speeding 6 - 10 MPH over limit	$1664	$283
Speeding 11 - 15 MPH over limit	$1671	$279
Two comp claims	$1671	$284
Failure to show documents	$1693	$283
At-fault accident - less than $1000	$1715	$291
Failure to wear a seat belt	$1738	$290
Driving too slowly	$1745	$296
Driving without lights	$1753	$293
Child safety restraint	$1783	$303
Driving with expired registration	$1783	$298
Wrong way/wrong lane	$1811	$308
Failure to yield	$1819	$304
Failure to stop at a red light	$1826	$310
Illegal turn	$1856	$310
Cell phone violation	$1879	$320
Texting while driving	$1879	$313
Speeding in school zone	$1909	$325
Operating a vehicle without permission	$1916	$319
Speeding 16 - 20 MPH over limit	$1916	$326
Improper passing	$1960	$326
Following too closely	$1968	$335
Passing school bus	$2049	$341
In 65 MPH zone	$2064	$351
Speeding 21 - 25 MPH over limit	$2131	$355
At-fault accident - $1000-$2000	$2190	$373
At-fault accident - greater than $2000	$2205	$368
Open container	$2465	$419
Reckless driving	$2889	$481
Leaving scene of an accident/hit and run	$3000	$510
DUI	$3023	$504
Refusal to submit to a chemical test	$3023	$514
Racing	$3030	$505
Driving with a suspended license	$3149	$535

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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 Rahway 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 Rahway.

The cheapest car insurance premiums in Rahway are offered by Plymouth Rock at $914 for a six-month policy. However, it can be as expensive as $6824 with companies like State Farm.

Rahway car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$914	$154
Foremost	$1003	$168
NJM	$1010	$170
Mercury	$1159	$193
New Jersey Manufacturers	$1248	$213
Progressive	$1270	$214
Travelers	$1916	$323
Allstate	$2294	$386
Selective	$2821	$475
Farmers	$3253	$543
Amica Mutual	$6453	$1098
State Farm	$6824	$1149

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 Rahway are offered by Plymouth Rock at $846. However, it can be as expensive as $4366 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rahway after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$846	$143
NJM	$1076	$181
Progressive	$1485	$250
Selective	$2139	$356
State Farm	$2168	$369
Travelers	$2488	$415
Allstate	$3624	$616
Farmers	$4366	$728

Car Insurance Price Trends in Rahway, New Jersey

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

The average cost of full coverage in the Rahway rose by $363 in January compared to $308 of December. In other words, there has been an increase by $55 when you compare January and December.

The average cost of liability insurance in the Rahway rose to $121 in January, compared to $108 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rahway?

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

What is the cheapest car insurance in Rahway?

The cheapest car insurance in Rahway is $161 per month for full coverage.

How much is car insurance in Rahway for teenagers?

Car insurance for teenagers costs $669 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 Rahway?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $260 per month to insure your car in Rahway.

Is car insurance expensive in Rahway?

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

Cheapest Car Insurance Quotes in Rahway

Why you can trust Way?

How Much Is Car Insurance in Rahway

Avg. Car Insurance in Rahway

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Rahway

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Rahway Car Insurance Rates by Company

Cheap Car Insurance Companies in Rahway, NJ

Way's key takeaways about car insurance in Rahway

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rahway

Cheapest Liability Coverage in Rahway, NJ

Cheapest Full Coverage Car Insurance in Rahway

Cheapest Full Coverage Car Insurance Quotes in Rahway, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rahway by Rating Factor

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

Car Insurance Premiums by Age in Rahway

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rahway,NJ

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

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 Rahway

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

Rahway Car Insurance Rates by Violation

Rahway auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rahway after a DUI

Rahway car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rahway after Speeding ticket

Car Insurance Price Trends in Rahway, New Jersey

Average Car Insurance Cost in Rahway by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rahway, NJ

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