Cheapest Car Insurance Quotes in Rio Grande

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Rio Grande Car Insurance

^$ 56

/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 Rio Grande

The car insurance rate in Rio Grande is $1127 for a six-month policy, which is $111 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $703, making it a popular choice for budget-conscious drivers. Rates in Rio Grande 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 Rio Grande

$1127

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Rio Grande

1st place: New Jersey Manufacturers

At $703 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 $849 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $859 for six months, making it the third cheapest auto insurance company in Rio Grande.

Rio Grande Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rio Grande, NJ is New Jersey Manufacturers, offering policies at just $703 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $849.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1876 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rio Grande drivers find the best deals.

Cheap Car Insurance Companies in Rio Grande, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$703	$117
New Jersey Skylands Insurance	$849	$145
NJM	$859	$145
Plymouth Rock	$935	$157
Progressive	$984	$166
Travelers	$1048	$177
Amica Mutual	$1189	$198
Allstate	$1227	$207
State Farm	$1324	$223
Selective	$1400	$236
Farmers	$1876	$313

Key Takeaways

Way's key takeaways about car insurance in Rio Grande

The auto insurance costs in Rio Grande fall around $703 for six months.
The cheapest auto insurance company in Rio Grande is New Jersey Manufacturers.
Teen drivers pay the highest rate in Rio Grande at $952 per month.

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

Cheapest Minimum Liability Car Insurance in Rio Grande

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 Rio Grande are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Rio Grande. Their Average 6 Month Premium is $324. Farmers is the most expensive at $935 for the same period.

Cheapest Liability Coverage in Rio Grande, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$324	$56
Plymouth Rock	$438	$74
NJM	$449	$76
New Jersey Skylands Insurance	$476	$79
Amica Mutual	$487	$83
Amica	$557	$93
Progressive	$557	$94
Travelers	$573	$96
State Farm	$600	$101
Allstate	$665	$112
Selective	$741	$125
Farmers	$935	$156

Cheapest Full Coverage Car Insurance in Rio Grande

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 Rio Grande is New Jersey Manufacturers at $117 per month and $703 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rio Grande, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$703	$117
New Jersey Skylands Insurance	$849	$145
NJM	$859	$145
Plymouth Rock	$935	$157
Progressive	$984	$166
Travelers	$1048	$177
Amica Mutual	$1189	$198
Allstate	$1227	$207
State Farm	$1324	$223
Selective	$1400	$236
Farmers	$1876	$313

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Average Car Insurance in Rio Grande 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 Rio Grande, NJ increasing?

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

Car Insurance Premiums by Age in Rio Grande

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	$698
30s	NJM	$542
40s	NJM	$502
50s	NJM	$463
60s	NJM	$427

Cheapest Car Insurance Rates for Teen Drivers in Rio Grande,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 Rio Grande at $83 per month. At $5600 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	$487	$83
NJM	$973	$164
New Jersey Manufacturers	$1611	$274
Travelers	$2270	$382
Selective	$2460	$414
Plymouth Rock	$2552	$430
Amica Mutual	$2848	$484
Allstate	$3092	$521
Progressive	$3124	$526
State Farm	$3703	$623
Farmers	$5600	$952

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 Rio Grande.

As young drivers face the highest rates in Rio Grande, NJM offers the cheapest auto insurance rates at $698 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 Rio Grande, Amica Mutual is the cheapest car insurance provider. At $594 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 Rio Grande is State Farm, offering rates of around $6578 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$594	$101
New Jersey Skylands Insurance	$746	$125
Foremost	$833	$142
NJM	$1043	$176
Progressive	$1340	$226
Plymouth Rock	$1384	$233
Farmers	$2486	$423
Selective	$2876	$480
Travelers	$3070	$522
Allstate	$3216	$536
State Farm	$6578	$1118

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Car Insurance Rates with An Accident in Rio Grande

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rio Grande

The cheapest car insurance companies after an at-fault accident in Rio Grande include New Jersey Skylands Insurance and NJM, offering $573 and $611, respectively. Farmers is an expensive provider with an average six-month premium of $3633.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$573	$96
NJM	$611	$103
New Jersey Manufacturers	$741	$124
Plymouth Rock	$773	$130
Amica Mutual	$919	$155
Progressive	$1292	$217
Selective	$1752	$295
Travelers	$1795	$302
State Farm	$2076	$349
Allstate	$3243	$546
Farmers	$3633	$605

Rio Grande Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rio Grande NJ. For example, the car insurance in Rio Grande after a DUI increases to $1146 for a six month policy. While the rate increases by $157 for a six-month policy in the case of a speeding ticket.

Rio Grande auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1054	$176
One Med/PIP claim	$1059	$180
Not-at-fault accident	$1108	$185
One comp claim	$1119	$190
Two Med/PIP claims	$1125	$187
Speeding 6 - 10 MPH over limit	$1211	$206
Speeding 11 - 15 MPH over limit	$1217	$203
Two comp claims	$1217	$207
Failure to show documents	$1232	$206
At-fault accident - less than $1000	$1249	$212
Failure to wear a seat belt	$1265	$211
Driving too slowly	$1270	$216
Driving without lights	$1276	$213
Child safety restraint	$1298	$220
Driving with expired registration	$1298	$217
Wrong way/wrong lane	$1319	$224
Failure to yield	$1324	$221
Failure to stop at a red light	$1330	$226
Illegal turn	$1351	$226
Cell phone violation	$1368	$233
Texting while driving	$1368	$228
Speeding in school zone	$1390	$237
Operating a vehicle without permission	$1395	$232
Speeding 16 - 20 MPH over limit	$1395	$238
Improper passing	$1427	$238
Following too closely	$1432	$244
Passing school bus	$1491	$248
In 65 MPH zone	$1502	$256
Speeding 21 - 25 MPH over limit	$1552	$258
At-fault accident - $1000-$2000	$1594	$271
At-fault accident - greater than $2000	$1605	$268
Open container	$1795	$305
Reckless driving	$2103	$350
Leaving scene of an accident/hit and run	$2184	$371
DUI	$2200	$367
Refusal to submit to a chemical test	$2200	$374
Racing	$2206	$368
Driving with a suspended license	$2292	$389

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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 Rio Grande 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 Rio Grande.

The cheapest car insurance premiums in Rio Grande are offered by Plymouth Rock at $665 for a six-month policy. However, it can be as expensive as $4968 with companies like State Farm.

Rio Grande car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$665	$112
Foremost	$730	$122
NJM	$735	$124
Mercury	$844	$140
New Jersey Manufacturers	$908	$155
Progressive	$925	$156
Travelers	$1395	$235
Allstate	$1670	$281
Selective	$2054	$346
Farmers	$2368	$395
Amica Mutual	$4697	$799
State Farm	$4968	$836

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 Rio Grande are offered by Plymouth Rock at $616. However, it can be as expensive as $3179 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rio Grande after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$616	$104
NJM	$784	$132
Progressive	$1081	$182
Selective	$1557	$259
State Farm	$1578	$268
Travelers	$1811	$302
Allstate	$2638	$449
Farmers	$3179	$530

Car Insurance Price Trends in Rio Grande, New Jersey

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

The average cost of full coverage in the Rio Grande rose by $264 in January compared to $224 of December. In other words, there has been an increase by $40 when you compare January and December.

The average cost of liability insurance in the Rio Grande rose to $88 in January, compared to $78 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 Rio Grande?

The car insurance in Rio Grande is $56 per month, which is lower than the national average.

What is the cheapest car insurance in Rio Grande?

The cheapest car insurance in Rio Grande is $117 per month for full coverage.

How much is car insurance in Rio Grande for teenagers?

Car insurance for teenagers costs $487 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 Rio Grande?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $189 per month to insure your car in Rio Grande.

Is car insurance expensive in Rio Grande?

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

Cheapest Car Insurance Quotes in Rio Grande

Why you can trust Way?

How Much Is Car Insurance in Rio Grande

Avg. Car Insurance in Rio Grande

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Rio Grande

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Rio Grande Car Insurance Rates by Company

Cheap Car Insurance Companies in Rio Grande, NJ

Way's key takeaways about car insurance in Rio Grande

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rio Grande

Cheapest Liability Coverage in Rio Grande, NJ

Cheapest Full Coverage Car Insurance in Rio Grande

Cheapest Full Coverage Car Insurance Quotes in Rio Grande, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rio Grande by Rating Factor

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

Car Insurance Premiums by Age in Rio Grande

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rio Grande,NJ

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

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 Rio Grande

Cheapest Car Insurance Companies after an At-Fault Accident in Rio Grande

Rio Grande Car Insurance Rates by Violation

Rio Grande auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rio Grande after a DUI

Rio Grande car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rio Grande after Speeding ticket

Car Insurance Price Trends in Rio Grande, New Jersey

Average Car Insurance Cost in Rio Grande by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rio Grande, NJ

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