Cheapest Car Insurance Quotes in Rossmoor

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Rossmoor Car Insurance

^$ 62

/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 Rossmoor

The car insurance rate in Rossmoor is $1263 for a six-month policy, which is $25 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $787, making it a popular choice for budget-conscious drivers. Rates in Rossmoor 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 Rossmoor

$1263

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Rossmoor

1st place: New Jersey Manufacturers

At $787 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 $952 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $963 for six months, making it the third cheapest auto insurance company in Rossmoor.

Rossmoor Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Rossmoor, NJ is New Jersey Manufacturers, offering policies at just $787 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $952.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2102 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Rossmoor drivers find the best deals.

Cheap Car Insurance Companies in Rossmoor, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$787	$132
New Jersey Skylands Insurance	$952	$162
NJM	$963	$162
Plymouth Rock	$1049	$176
Progressive	$1103	$186
Travelers	$1175	$198
Amica Mutual	$1333	$222
Allstate	$1375	$232
State Farm	$1484	$250
Selective	$1569	$264
Farmers	$2102	$351

Key Takeaways

Way's key takeaways about car insurance in Rossmoor

The auto insurance costs in Rossmoor fall around $787 for six months.
The cheapest auto insurance company in Rossmoor is New Jersey Manufacturers.
Teen drivers pay the highest rate in Rossmoor at $1067 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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Cheapest Minimum Liability Car Insurance in Rossmoor

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 Rossmoor are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Rossmoor. Their Average 6 Month Premium is $363. Farmers is the most expensive at $1049 for the same period.

Cheapest Liability Coverage in Rossmoor, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$363	$62
Plymouth Rock	$491	$83
NJM	$503	$85
New Jersey Skylands Insurance	$533	$89
Amica Mutual	$546	$93
Amica	$624	$104
Progressive	$624	$105
Travelers	$643	$108
State Farm	$672	$113
Allstate	$746	$125
Selective	$830	$140
Farmers	$1049	$174

Cheapest Full Coverage Car Insurance in Rossmoor

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 Rossmoor is New Jersey Manufacturers at $132 per month and $787 for six months.

Cheapest Full Coverage Car Insurance Quotes in Rossmoor, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$787	$132
New Jersey Skylands Insurance	$952	$162
NJM	$963	$162
Plymouth Rock	$1049	$176
Progressive	$1103	$186
Travelers	$1175	$198
Amica Mutual	$1333	$222
Allstate	$1375	$232
State Farm	$1484	$250
Selective	$1569	$264
Farmers	$2102	$351

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Average Car Insurance in Rossmoor 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 Rossmoor, NJ increasing?

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

Car Insurance Premiums by Age in Rossmoor

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	$782
30s	NJM	$608
40s	NJM	$563
50s	NJM	$519
60s	NJM	$478

Cheapest Car Insurance Rates for Teen Drivers in Rossmoor,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 Rossmoor at $93 per month. At $6277 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	$546	$93
NJM	$1090	$184
New Jersey Manufacturers	$1805	$307
Travelers	$2545	$428
Selective	$2757	$464
Plymouth Rock	$2860	$481
Amica Mutual	$3193	$543
Allstate	$3466	$583
Progressive	$3502	$590
State Farm	$4150	$699
Farmers	$6277	$1067

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 Rossmoor.

As young drivers face the highest rates in Rossmoor, NJM offers the cheapest auto insurance rates at $782 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 Rossmoor, Amica Mutual is the cheapest car insurance provider. At $666 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 Rossmoor is State Farm, offering rates of around $7374 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$666	$113
New Jersey Skylands Insurance	$836	$140
Foremost	$933	$159
NJM	$1169	$197
Progressive	$1502	$253
Plymouth Rock	$1551	$261
Farmers	$2787	$474
Selective	$3223	$538
Travelers	$3441	$585
Allstate	$3605	$601
State Farm	$7374	$1254

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Car Insurance Rates with An Accident in Rossmoor

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

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

The cheapest car insurance companies after an at-fault accident in Rossmoor include New Jersey Skylands Insurance and NJM, offering $643 and $684, respectively. Farmers is an expensive provider with an average six-month premium of $4072.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$643	$107
NJM	$684	$115
New Jersey Manufacturers	$830	$139
Plymouth Rock	$866	$146
Amica Mutual	$1030	$173
Progressive	$1448	$244
Selective	$1964	$330
Travelers	$2011	$339
State Farm	$2327	$392
Allstate	$3635	$612
Farmers	$4072	$678

Rossmoor Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Rossmoor NJ. For example, the car insurance in Rossmoor after a DUI increases to $1285 for a six month policy. While the rate increases by $177 for a six-month policy in the case of a speeding ticket.

Rossmoor auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1181	$197
One Med/PIP claim	$1187	$202
Not-at-fault accident	$1242	$207
One comp claim	$1255	$213
Two Med/PIP claims	$1261	$210
Speeding 6 - 10 MPH over limit	$1358	$231
Speeding 11 - 15 MPH over limit	$1364	$227
Two comp claims	$1364	$232
Failure to show documents	$1381	$231
At-fault accident - less than $1000	$1399	$238
Failure to wear a seat belt	$1418	$237
Driving too slowly	$1424	$242
Driving without lights	$1430	$239
Child safety restraint	$1455	$247
Driving with expired registration	$1455	$243
Wrong way/wrong lane	$1478	$251
Failure to yield	$1484	$248
Failure to stop at a red light	$1490	$253
Illegal turn	$1515	$253
Cell phone violation	$1533	$261
Texting while driving	$1533	$255
Speeding in school zone	$1558	$265
Operating a vehicle without permission	$1564	$260
Speeding 16 - 20 MPH over limit	$1564	$266
Improper passing	$1599	$266
Following too closely	$1605	$273
Passing school bus	$1672	$278
In 65 MPH zone	$1684	$287
Speeding 21 - 25 MPH over limit	$1739	$290
At-fault accident - $1000-$2000	$1787	$304
At-fault accident - greater than $2000	$1799	$300
Open container	$2011	$342
Reckless driving	$2357	$393
Leaving scene of an accident/hit and run	$2448	$416
DUI	$2466	$411
Refusal to submit to a chemical test	$2466	$419
Racing	$2472	$412
Driving with a suspended license	$2569	$437

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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 Rossmoor 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 Rossmoor.

The cheapest car insurance premiums in Rossmoor are offered by Plymouth Rock at $746 for a six-month policy. However, it can be as expensive as $5568 with companies like State Farm.

Rossmoor car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$746	$125
Foremost	$818	$137
NJM	$824	$139
Mercury	$946	$157
New Jersey Manufacturers	$1018	$173
Progressive	$1036	$174
Travelers	$1564	$263
Allstate	$1872	$315
Selective	$2302	$388
Farmers	$2654	$443
Amica Mutual	$5265	$896
State Farm	$5568	$937

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 Rossmoor are offered by Plymouth Rock at $691. However, it can be as expensive as $3563 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Rossmoor after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$691	$116
NJM	$878	$148
Progressive	$1212	$204
Selective	$1745	$291
State Farm	$1769	$301
Travelers	$2030	$339
Allstate	$2957	$503
Farmers	$3563	$594

Car Insurance Price Trends in Rossmoor, New Jersey

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

The average cost of full coverage in the Rossmoor rose by $296 in January compared to $251 of December. In other words, there has been an increase by $45 when you compare January and December.

The average cost of liability insurance in the Rossmoor rose to $99 in January, compared to $88 in December. This represents an increase of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Rossmoor?

The car insurance in Rossmoor is $62 per month, which is lower than the national average.

What is the cheapest car insurance in Rossmoor?

The cheapest car insurance in Rossmoor is $132 per month for full coverage.

How much is car insurance in Rossmoor for teenagers?

Car insurance for teenagers costs $546 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 Rossmoor?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $212 per month to insure your car in Rossmoor.

Is car insurance expensive in Rossmoor?

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

Cheapest Car Insurance Quotes in Rossmoor

Why you can trust Way?

How Much Is Car Insurance in Rossmoor

Avg. Car Insurance in Rossmoor

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Rossmoor

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Rossmoor Car Insurance Rates by Company

Cheap Car Insurance Companies in Rossmoor, NJ

Way's key takeaways about car insurance in Rossmoor

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Rossmoor

Cheapest Liability Coverage in Rossmoor, NJ

Cheapest Full Coverage Car Insurance in Rossmoor

Cheapest Full Coverage Car Insurance Quotes in Rossmoor, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Rossmoor by Rating Factor

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

Car Insurance Premiums by Age in Rossmoor

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Rossmoor,NJ

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

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 Rossmoor

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

Rossmoor Car Insurance Rates by Violation

Rossmoor auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Rossmoor after a DUI

Rossmoor car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Rossmoor after Speeding ticket

Car Insurance Price Trends in Rossmoor, New Jersey

Average Car Insurance Cost in Rossmoor by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Rossmoor, NJ

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

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