Cheapest Car Insurance Quotes in Ridgefield Park

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Ridgefield Park Car Insurance

^$ 79

/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 Ridgefield Park

The car insurance rate in Ridgefield Park is $1597 for a six-month policy, which is $359 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $996, making it a popular choice for budget-conscious drivers. Rates in Ridgefield Park 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 Ridgefield Park

$1597

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Ridgefield Park

1st place: New Jersey Manufacturers

At $996 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 $1204 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1218 for six months, making it the third cheapest auto insurance company in Ridgefield Park.

Ridgefield Park Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Ridgefield Park, NJ is New Jersey Manufacturers, offering policies at just $996 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1204.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2659 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Ridgefield Park drivers find the best deals.

Cheap Car Insurance Companies in Ridgefield Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$996	$166
New Jersey Skylands Insurance	$1204	$205
NJM	$1218	$205
Plymouth Rock	$1326	$223
Progressive	$1394	$235
Travelers	$1486	$250
Amica Mutual	$1686	$281
Allstate	$1739	$293
State Farm	$1877	$316
Selective	$1984	$334
Farmers	$2659	$444

Key Takeaways

Way's key takeaways about car insurance in Ridgefield Park

The auto insurance costs in Ridgefield Park fall around $996 for six months.
The cheapest auto insurance company in Ridgefield Park is New Jersey Manufacturers.
Teen drivers pay the highest rate in Ridgefield Park at $1349 per month.

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

Cheapest Minimum Liability Car Insurance in Ridgefield Park

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 Ridgefield Park are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Ridgefield Park. Their Average 6 Month Premium is $459. Farmers is the most expensive at $1326 for the same period.

Cheapest Liability Coverage in Ridgefield Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$459	$79
Plymouth Rock	$620	$104
NJM	$636	$107
New Jersey Skylands Insurance	$675	$112
Amica Mutual	$690	$117
Amica	$789	$132
Progressive	$789	$133
Travelers	$813	$137
State Farm	$850	$143
Allstate	$943	$159
Selective	$1050	$177
Farmers	$1326	$221

Cheapest Full Coverage Car Insurance in Ridgefield Park

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 Ridgefield Park is New Jersey Manufacturers at $166 per month and $996 for six months.

Cheapest Full Coverage Car Insurance Quotes in Ridgefield Park, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$996	$166
New Jersey Skylands Insurance	$1204	$205
NJM	$1218	$205
Plymouth Rock	$1326	$223
Progressive	$1394	$235
Travelers	$1486	$250
Amica Mutual	$1686	$281
Allstate	$1739	$293
State Farm	$1877	$316
Selective	$1984	$334
Farmers	$2659	$444

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Average Car Insurance in Ridgefield Park 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 Ridgefield Park, NJ increasing?

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

Car Insurance Premiums by Age in Ridgefield Park

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	$989
30s	NJM	$769
40s	NJM	$712
50s	NJM	$657
60s	NJM	$605

Cheapest Car Insurance Rates for Teen Drivers in Ridgefield Park,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 Ridgefield Park at $117 per month. At $7939 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	$690	$117
NJM	$1379	$232
New Jersey Manufacturers	$2283	$388
Travelers	$3219	$542
Selective	$3487	$587
Plymouth Rock	$3617	$609
Amica Mutual	$4038	$686
Allstate	$4383	$738
Progressive	$4429	$746
State Farm	$5249	$884
Farmers	$7939	$1349

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 Ridgefield Park.

As young drivers face the highest rates in Ridgefield Park, NJM offers the cheapest auto insurance rates at $989 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 Ridgefield Park, Amica Mutual is the cheapest car insurance provider. At $842 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 Ridgefield Park is State Farm, offering rates of around $9325 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$842	$143
New Jersey Skylands Insurance	$1058	$177
Foremost	$1180	$201
NJM	$1478	$249
Progressive	$1900	$320
Plymouth Rock	$1962	$330
Farmers	$3524	$600
Selective	$4076	$680
Travelers	$4352	$740
Allstate	$4559	$760
State Farm	$9325	$1585

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

Car Insurance Rates with An Accident in Ridgefield Park

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

Cheapest Car Insurance Companies after an At-Fault Accident in Ridgefield Park

The cheapest car insurance companies after an at-fault accident in Ridgefield Park include New Jersey Skylands Insurance and NJM, offering $813 and $866, respectively. Farmers is an expensive provider with an average six-month premium of $5150.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$813	$135
NJM	$866	$146
New Jersey Manufacturers	$1050	$175
Plymouth Rock	$1095	$184
Amica Mutual	$1303	$219
Progressive	$1832	$308
Selective	$2483	$418
Travelers	$2544	$428
State Farm	$2942	$495
Allstate	$4598	$774
Farmers	$5150	$858

Ridgefield Park Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Ridgefield Park NJ. For example, the car insurance in Ridgefield Park after a DUI increases to $1625 for a six month policy. While the rate increases by $223 for a six-month policy in the case of a speeding ticket.

Ridgefield Park auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1494	$249
One Med/PIP claim	$1502	$255
Not-at-fault accident	$1571	$262
One comp claim	$1587	$270
Two Med/PIP claims	$1594	$266
Speeding 6 - 10 MPH over limit	$1717	$292
Speeding 11 - 15 MPH over limit	$1725	$288
Two comp claims	$1725	$293
Failure to show documents	$1747	$292
At-fault accident - less than $1000	$1770	$301
Failure to wear a seat belt	$1793	$299
Driving too slowly	$1801	$306
Driving without lights	$1809	$302
Child safety restraint	$1840	$312
Driving with expired registration	$1840	$307
Wrong way/wrong lane	$1869	$317
Failure to yield	$1877	$313
Failure to stop at a red light	$1885	$320
Illegal turn	$1916	$320
Cell phone violation	$1939	$330
Texting while driving	$1939	$323
Speeding in school zone	$1970	$335
Operating a vehicle without permission	$1978	$329
Speeding 16 - 20 MPH over limit	$1978	$337
Improper passing	$2023	$337
Following too closely	$2030	$346
Passing school bus	$2114	$352
In 65 MPH zone	$2130	$362
Speeding 21 - 25 MPH over limit	$2199	$366
At-fault accident - $1000-$2000	$2260	$384
At-fault accident - greater than $2000	$2276	$379
Open container	$2544	$432
Reckless driving	$2981	$497
Leaving scene of an accident/hit and run	$3096	$526
DUI	$3119	$520
Refusal to submit to a chemical test	$3119	$530
Racing	$3127	$521
Driving with a suspended license	$3250	$552

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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 Ridgefield Park 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 Ridgefield Park.

The cheapest car insurance premiums in Ridgefield Park are offered by Plymouth Rock at $943 for a six-month policy. However, it can be as expensive as $7042 with companies like State Farm.

Ridgefield Park car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$943	$159
Foremost	$1035	$173
NJM	$1042	$175
Mercury	$1196	$199
New Jersey Manufacturers	$1287	$219
Progressive	$1311	$221
Travelers	$1978	$333
Allstate	$2367	$399
Selective	$2912	$490
Farmers	$3357	$560
Amica Mutual	$6659	$1133
State Farm	$7042	$1186

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 Ridgefield Park are offered by Plymouth Rock at $873. However, it can be as expensive as $4506 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Ridgefield Park after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$873	$147
NJM	$1111	$187
Progressive	$1533	$258
Selective	$2207	$368
State Farm	$2237	$381
Travelers	$2567	$428
Allstate	$3740	$636
Farmers	$4506	$751

Car Insurance Price Trends in Ridgefield Park, New Jersey

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

The average cost of full coverage in the Ridgefield Park rose by $374 in January compared to $317 of December. In other words, there has been an increase by $57 when you compare January and December.

The average cost of liability insurance in the Ridgefield Park rose to $125 in January, compared to $111 in December. This represents an increase of $14 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Ridgefield Park?

The car insurance in Ridgefield Park is $79 per month, which is lower than the national average.

What is the cheapest car insurance in Ridgefield Park?

The cheapest car insurance in Ridgefield Park is $166 per month for full coverage.

How much is car insurance in Ridgefield Park for teenagers?

Car insurance for teenagers costs $690 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 Ridgefield Park?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $268 per month to insure your car in Ridgefield Park.

Is car insurance expensive in Ridgefield Park?

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

Cheapest Car Insurance Quotes in Ridgefield Park

Why you can trust Way?

How Much Is Car Insurance in Ridgefield Park

Avg. Car Insurance in Ridgefield Park

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Ridgefield Park

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Ridgefield Park Car Insurance Rates by Company

Cheap Car Insurance Companies in Ridgefield Park, NJ

Way's key takeaways about car insurance in Ridgefield Park

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Ridgefield Park

Cheapest Liability Coverage in Ridgefield Park, NJ

Cheapest Full Coverage Car Insurance in Ridgefield Park

Cheapest Full Coverage Car Insurance Quotes in Ridgefield Park, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Ridgefield Park by Rating Factor

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

Car Insurance Premiums by Age in Ridgefield Park

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Ridgefield Park,NJ

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

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 Ridgefield Park

Cheapest Car Insurance Companies after an At-Fault Accident in Ridgefield Park

Ridgefield Park Car Insurance Rates by Violation

Ridgefield Park auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Ridgefield Park after a DUI

Ridgefield Park car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Ridgefield Park after Speeding ticket

Car Insurance Price Trends in Ridgefield Park, New Jersey

Average Car Insurance Cost in Ridgefield Park by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Ridgefield Park, NJ

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

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