Cheapest Car Insurance Quotes in Rocky Hill

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Rocky Hill Car Insurance

^$ 59

/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 Rocky Hill

The car insurance rate in Rocky Hill is $1188 for a six-month policy, which is $50 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $741, making it a popular choice for budget-conscious drivers. Rates in Rocky Hill 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 Rocky Hill

$1188

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Rocky Hill

1st place: New Jersey Manufacturers

At $741 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 $896 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $906 for six months, making it the third cheapest auto insurance company in Rocky Hill.

Rocky Hill Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rocky Hill, NJ is New Jersey Manufacturers, offering policies at just $741 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $896.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1979 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rocky Hill drivers find the best deals.

Cheap Car Insurance Companies in Rocky Hill, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$741	$124
New Jersey Skylands Insurance	$896	$153
NJM	$906	$153
Plymouth Rock	$987	$166
Progressive	$1038	$175
Travelers	$1106	$186
Amica Mutual	$1255	$209
Allstate	$1294	$218
State Farm	$1397	$235
Selective	$1476	$249
Farmers	$1979	$330

Key Takeaways

Way's key takeaways about car insurance in Rocky Hill

The auto insurance costs in Rocky Hill fall around $741 for six months.
The cheapest auto insurance company in Rocky Hill is New Jersey Manufacturers.
Teen drivers pay the highest rate in Rocky Hill at $1004 per month.

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

Cheapest Minimum Liability Car Insurance in Rocky Hill

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 Rocky Hill are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Rocky Hill. Their Average 6 Month Premium is $342. Farmers is the most expensive at $987 for the same period.

Cheapest Liability Coverage in Rocky Hill, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$342	$59
Plymouth Rock	$462	$78
NJM	$473	$80
New Jersey Skylands Insurance	$502	$84
Amica Mutual	$514	$87
Amica	$588	$98
Progressive	$588	$99
Travelers	$605	$102
State Farm	$633	$107
Allstate	$702	$118
Selective	$781	$132
Farmers	$987	$164

Cheapest Full Coverage Car Insurance in Rocky Hill

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 Rocky Hill is New Jersey Manufacturers at $124 per month and $741 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rocky Hill, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$741	$124
New Jersey Skylands Insurance	$896	$153
NJM	$906	$153
Plymouth Rock	$987	$166
Progressive	$1038	$175
Travelers	$1106	$186
Amica Mutual	$1255	$209
Allstate	$1294	$218
State Farm	$1397	$235
Selective	$1476	$249
Farmers	$1979	$330

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Average Car Insurance in Rocky Hill 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 Rocky Hill, NJ increasing?

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

Car Insurance Premiums by Age in Rocky Hill

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	$736
30s	NJM	$572
40s	NJM	$530
50s	NJM	$489
60s	NJM	$450

Cheapest Car Insurance Rates for Teen Drivers in Rocky Hill,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 Rocky Hill at $87 per month. At $5908 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	$514	$87
NJM	$1026	$173
New Jersey Manufacturers	$1699	$289
Travelers	$2395	$403
Selective	$2595	$437
Plymouth Rock	$2692	$453
Amica Mutual	$3005	$511
Allstate	$3262	$549
Progressive	$3296	$555
State Farm	$3906	$658
Farmers	$5908	$1004

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 Rocky Hill.

As young drivers face the highest rates in Rocky Hill, NJM offers the cheapest auto insurance rates at $736 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 Rocky Hill, Amica Mutual is the cheapest car insurance provider. At $627 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 Rocky Hill is State Farm, offering rates of around $6940 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$627	$107
New Jersey Skylands Insurance	$787	$132
Foremost	$878	$150
NJM	$1100	$185
Progressive	$1414	$238
Plymouth Rock	$1460	$246
Farmers	$2623	$446
Selective	$3034	$506
Travelers	$3239	$551
Allstate	$3393	$565
State Farm	$6940	$1180

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Car Insurance Rates with An Accident in Rocky Hill

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

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Hill

The cheapest car insurance companies after an at-fault accident in Rocky Hill include New Jersey Skylands Insurance and NJM, offering $605 and $644, respectively. Farmers is an expensive provider with an average six-month premium of $3832.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$605	$101
NJM	$644	$108
New Jersey Manufacturers	$781	$131
Plymouth Rock	$815	$137
Amica Mutual	$970	$163
Progressive	$1363	$229
Selective	$1848	$311
Travelers	$1893	$319
State Farm	$2190	$369
Allstate	$3421	$576
Farmers	$3832	$638

Rocky Hill Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rocky Hill NJ. For example, the car insurance in Rocky Hill after a DUI increases to $1209 for a six month policy. While the rate increases by $166 for a six-month policy in the case of a speeding ticket.

Rocky Hill auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1112	$185
One Med/PIP claim	$1117	$190
Not-at-fault accident	$1169	$195
One comp claim	$1181	$201
Two Med/PIP claims	$1187	$198
Speeding 6 - 10 MPH over limit	$1278	$217
Speeding 11 - 15 MPH over limit	$1284	$214
Two comp claims	$1284	$218
Failure to show documents	$1300	$217
At-fault accident - less than $1000	$1317	$224
Failure to wear a seat belt	$1334	$223
Driving too slowly	$1340	$228
Driving without lights	$1346	$225
Child safety restraint	$1369	$232
Driving with expired registration	$1369	$228
Wrong way/wrong lane	$1391	$236
Failure to yield	$1397	$233
Failure to stop at a red light	$1403	$238
Illegal turn	$1426	$238
Cell phone violation	$1443	$246
Texting while driving	$1443	$240
Speeding in school zone	$1466	$250
Operating a vehicle without permission	$1472	$245
Speeding 16 - 20 MPH over limit	$1472	$251
Improper passing	$1505	$251
Following too closely	$1511	$257
Passing school bus	$1573	$262
In 65 MPH zone	$1585	$270
Speeding 21 - 25 MPH over limit	$1637	$273
At-fault accident - $1000-$2000	$1682	$286
At-fault accident - greater than $2000	$1693	$282
Open container	$1893	$322
Reckless driving	$2219	$370
Leaving scene of an accident/hit and run	$2304	$392
DUI	$2321	$387
Refusal to submit to a chemical test	$2321	$395
Racing	$2327	$388
Driving with a suspended license	$2418	$411

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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 Rocky Hill 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 Rocky Hill.

The cheapest car insurance premiums in Rocky Hill are offered by Plymouth Rock at $702 for a six-month policy. However, it can be as expensive as $5241 with companies like State Farm.

Rocky Hill car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$702	$118
Foremost	$770	$129
NJM	$776	$131
Mercury	$890	$148
New Jersey Manufacturers	$958	$163
Progressive	$975	$164
Travelers	$1472	$248
Allstate	$1762	$297
Selective	$2167	$365
Farmers	$2498	$417
Amica Mutual	$4956	$843
State Farm	$5241	$882

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 Rocky Hill are offered by Plymouth Rock at $650. However, it can be as expensive as $3353 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rocky Hill after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$650	$109
NJM	$827	$139
Progressive	$1140	$192
Selective	$1643	$274
State Farm	$1665	$283
Travelers	$1910	$319
Allstate	$2783	$473
Farmers	$3353	$559

Car Insurance Price Trends in Rocky Hill, New Jersey

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

The average cost of full coverage in the Rocky Hill rose by $278 in January compared to $236 of December. In other words, there has been an increase by $42 when you compare January and December.

The average cost of liability insurance in the Rocky Hill rose to $93 in January, compared to $83 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 Rocky Hill?

The car insurance in Rocky Hill is $59 per month, which is lower than the national average.

What is the cheapest car insurance in Rocky Hill?

The cheapest car insurance in Rocky Hill is $124 per month for full coverage.

How much is car insurance in Rocky Hill for teenagers?

Car insurance for teenagers costs $514 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 Rocky Hill?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $200 per month to insure your car in Rocky Hill.

Is car insurance expensive in Rocky Hill?

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

Cheapest Car Insurance Quotes in Rocky Hill

Why you can trust Way?

How Much Is Car Insurance in Rocky Hill

Avg. Car Insurance in Rocky Hill

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Rocky Hill

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Rocky Hill Car Insurance Rates by Company

Cheap Car Insurance Companies in Rocky Hill, NJ

Way's key takeaways about car insurance in Rocky Hill

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rocky Hill

Cheapest Liability Coverage in Rocky Hill, NJ

Cheapest Full Coverage Car Insurance in Rocky Hill

Cheapest Full Coverage Car Insurance Quotes in Rocky Hill, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rocky Hill by Rating Factor

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

Car Insurance Premiums by Age in Rocky Hill

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rocky Hill,NJ

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

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 Rocky Hill

Cheapest Car Insurance Companies after an At-Fault Accident in Rocky Hill

Rocky Hill Car Insurance Rates by Violation

Rocky Hill auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rocky Hill after a DUI

Rocky Hill car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rocky Hill after Speeding ticket

Car Insurance Price Trends in Rocky Hill, New Jersey

Average Car Insurance Cost in Rocky Hill by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rocky Hill, NJ

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

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