Cheapest Car Insurance Quotes in Somerset

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Somerset 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 Somerset

The car insurance rate in Somerset is $1178 for a six-month policy, which is $56 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $811, making it a popular choice for budget-conscious drivers. Rates in Somerset 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 Somerset

$1178

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Somerset

1st place: New Jersey Manufacturers

At $811 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $967 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $980 for six months, making it the third cheapest auto insurance company in Somerset.

Somerset Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Somerset, NJ is New Jersey Manufacturers, offering policies at just $811 for a six-month term. This is followed by NJM, which has an average six-month premium of $967.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1067 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Somerset drivers find the best deals.

Cheap Car Insurance Companies in Somerset, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$811	$138
NJM	$967	$163
New Jersey Skylands Insurance	$980	$167
Progressive	$991	$167
Plymouth Rock	$1054	$177
Allstate	$1192	$201
Travelers	$1229	$207
State Farm	$1309	$221
Amica Mutual	$1372	$233
Selective	$1428	$238
Farmers	$1740	$296
National General	$1067	$182

Key Takeaways

Way's key takeaways about car insurance in Somerset

The auto insurance costs in Somerset fall around $811 for six months.
The cheapest auto insurance company in Somerset is New Jersey Manufacturers.
Teen drivers pay the highest rate in Somerset at $1108 per month.

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

Cheapest Minimum Liability Car Insurance in Somerset

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 Somerset are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Somerset. Their Average 6 Month Premium is $374. National General is the most expensive at $393 for the same period.

Cheapest Liability Coverage in Somerset, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$374	$62
Plymouth Rock	$468	$79
Progressive	$468	$79
NJM	$505	$85
New Jersey Skylands Insurance	$549	$91
State Farm	$555	$93
Amica Mutual	$562	$93
Travelers	$562	$95
Amica	$643	$107
Selective	$679	$116
Allstate	$698	$118
Farmers	$1129	$192
National General	$393	$67

Cheapest Full Coverage Car Insurance in Somerset

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 Somerset is New Jersey Manufacturers at $138 per month and $811 for six months.

Cheapest Full Coverage Car Insurance Quotes in Somerset, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$811	$138
NJM	$967	$163
New Jersey Skylands Insurance	$980	$167
Progressive	$991	$167
Plymouth Rock	$1054	$177
Allstate	$1192	$201
Travelers	$1229	$207
State Farm	$1309	$221
Amica Mutual	$1372	$233
Selective	$1428	$238
Farmers	$1740	$296
National General	$1067	$182

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Average Car Insurance in Somerset 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 Somerset, NJ increasing?

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

Car Insurance Premiums by Age in Somerset

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	$805
30s	NJM	$626
40s	NJM	$580
50s	NJM	$534
60s	NJM	$492

Cheapest Car Insurance Rates for Teen Drivers in Somerset,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 Somerset at $96 per month. At $6517 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	$562	$96
Selective	$705	$118
NJM	$1073	$181
New Jersey Manufacturers	$1859	$310
Travelers	$2601	$438
Plymouth Rock	$2788	$469
Allstate	$2794	$470
Progressive	$3044	$512
Amica Mutual	$3287	$559
State Farm	$3605	$607
Farmers	$6517	$1108

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 Somerset.

As young drivers face the highest rates in Somerset, NJM offers the cheapest auto insurance rates at $805 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 Somerset, Amica Mutual is the cheapest car insurance provider. At $686 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 Somerset is Farmers, offering rates of around $5887 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$686	$117
New Jersey Skylands Insurance	$861	$144
Foremost	$961	$164
NJM	$1160	$195
Progressive	$1173	$197
Plymouth Rock	$1521	$256
Allstate	$2601	$442
Travelers	$3742	$624
State Farm	$5694	$968
Farmers	$5887	$982

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

Car Insurance Rates with An Accident in Somerset

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

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

The cheapest car insurance companies after an at-fault accident in Somerset include New Jersey Skylands Insurance and NJM, offering $662 and $679, respectively. National General is an expensive provider with an average six-month premium of $456.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$662	$110
NJM	$679	$114
New Jersey Manufacturers	$855	$143
Plymouth Rock	$861	$145
Selective	$991	$165
Amica Mutual	$1061	$179
Progressive	$1322	$223
State Farm	$2021	$340
Travelers	$2133	$359
Allstate	$2975	$501
Farmers	$5370	$895
National General	$456	$76

Somerset Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Somerset NJ. For example, the car insurance in Somerset after a DUI increases to $1323 for a six month policy. While the rate increases by $182 for a six-month policy in the case of a speeding ticket.

Somerset auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1216	$203
One Med/PIP claim	$1222	$208
Not-at-fault accident	$1279	$213
One comp claim	$1292	$219
Two Med/PIP claims	$1298	$216
Speeding 6 - 10 MPH over limit	$1398	$237
Speeding 11 - 15 MPH over limit	$1404	$234
Two comp claims	$1404	$238
Failure to show documents	$1422	$237
At-fault accident - less than $1000	$1441	$245
Failure to wear a seat belt	$1460	$244
Driving too slowly	$1466	$249
Driving without lights	$1472	$246
Child safety restraint	$1497	$254
Driving with expired registration	$1497	$250
Wrong way/wrong lane	$1521	$258
Failure to yield	$1528	$255
Failure to stop at a red light	$1534	$260
Illegal turn	$1559	$260
Cell phone violation	$1578	$269
Texting while driving	$1578	$263
Speeding in school zone	$1603	$273
Operating a vehicle without permission	$1610	$268
Speeding 16 - 20 MPH over limit	$1610	$274
Improper passing	$1646	$274
Following too closely	$1653	$281
Passing school bus	$1721	$287
In 65 MPH zone	$1734	$295
Speeding 21 - 25 MPH over limit	$1790	$298
At-fault accident - $1000-$2000	$1840	$313
At-fault accident - greater than $2000	$1852	$309
Open container	$2071	$352
Reckless driving	$2427	$404
Leaving scene of an accident/hit and run	$2520	$428
DUI	$2539	$423
Refusal to submit to a chemical test	$2539	$432
Racing	$2545	$424
Driving with a suspended license	$2645	$449

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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 Somerset 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 Somerset.

The cheapest car insurance premiums in Somerset are offered by Plymouth Rock at $742 for a six-month policy. However, it can be as expensive as $5420 with companies like Amica Mutual.

Somerset car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$742	$125
NJM	$817	$138
Foremost	$842	$143
Progressive	$948	$160
Mercury	$973	$166
New Jersey Manufacturers	$1048	$174
Selective	$1110	$189
Allstate	$1584	$267
Travelers	$1653	$278
State Farm	$4822	$812
Farmers	$5339	$908
Amica Mutual	$5420	$903

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 Somerset are offered by Plymouth Rock at $679. However, it can be as expensive as $2457 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Somerset after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$679	$114
NJM	$861	$145
Progressive	$973	$164
State Farm	$1379	$234
Allstate	$2083	$348
Travelers	$2189	$373
Farmers	$2457	$410

Car Insurance Price Trends in Somerset, New Jersey

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

The average cost of full coverage in the Somerset rose by $258 in December compared to $255 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Somerset rose to $90 in December, compared to $87 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Somerset?

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

What is the cheapest car insurance in Somerset?

The cheapest car insurance in Somerset is $138 per month for full coverage.

How much is car insurance in Somerset for teenagers?

Car insurance for teenagers costs $562 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 Somerset?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $198 per month to insure your car in Somerset.

Is car insurance expensive in Somerset?

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

Cheapest Car Insurance Quotes in Somerset

Why you can trust Way?

How Much Is Car Insurance in Somerset

Avg. Car Insurance in Somerset

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Somerset

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Somerset Car Insurance Rates by Company

Cheap Car Insurance Companies in Somerset, NJ

Way's key takeaways about car insurance in Somerset

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Somerset

Cheapest Liability Coverage in Somerset, NJ

Cheapest Full Coverage Car Insurance in Somerset

Cheapest Full Coverage Car Insurance Quotes in Somerset, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Somerset by Rating Factor

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

Car Insurance Premiums by Age in Somerset

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Somerset,NJ

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

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 Somerset

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

Somerset Car Insurance Rates by Violation

Somerset auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Somerset after a DUI

Somerset car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Somerset after Speeding ticket

Car Insurance Price Trends in Somerset, New Jersey

Average Car Insurance Cost in Somerset by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Somerset, NJ

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

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