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Finding the cheapest car insurance quotes in South Hackensack shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 South Hackensack
The car insurance rate in South Hackensack is $1447 for a six-month policy, which is $325 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 South Hackensack 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.
Cheapest Car Insurance Companies in South Hackensack
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: NJM
NJM offers auto
insurance rates at $1188 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 $1204
for six months, making it
the third cheapest auto insurance company in South Hackensack.
South Hackensack Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in South Hackensack, NJ is New Jersey Manufacturers, offering policies at just $996 for a six-month term. This is followed by NJM, which has an average six-month premium of $1188.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1311 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Hackensack drivers find the best deals.
Cheap Car Insurance Companies in South Hackensack, NJ
Way's key takeaways about car insurance in South Hackensack
The auto insurance costs in South Hackensack fall around $996 for six
months.
The cheapest auto insurance company in South Hackensack is New Jersey Manufacturers.
Teen drivers pay the highest rate in South Hackensack at $1361 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in South Hackensack
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 South Hackensack are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in South Hackensack. Their Average 6 Month Premium is $459.
National General is the most
expensive at $482 for the same
period.
Cheapest Liability Coverage in South Hackensack, NJ
Cheapest Full Coverage Car Insurance in South Hackensack
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 South Hackensack is New Jersey Manufacturers
at $169 per month and $996
for six months.
Cheapest Full Coverage Car Insurance Quotes in South Hackensack,
NJ
Get Your Car Insurance Quote in South Hackensack
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Average Car Insurance in South Hackensack 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 South Hackensack, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in South Hackensack, 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, South Hackensack's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in South Hackensack
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
South Hackensack,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 South Hackensack at $117
per
month. At $8007 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in South Hackensack.
As young drivers face the highest rates in South Hackensack, 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 South Hackensack,
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
South Hackensack is Farmers, offering
rates of around $7233 for six
months.
Save up to $971/yr on car insurance rates in South Hackensack.
Car Insurance Rates with An Accident in South Hackensack
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 South Hackensack, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in South Hackensack
The cheapest car insurance companies after an at-fault accident in
South Hackensack include New Jersey Skylands Insurance
and NJM, offering $813
and $835,
respectively. National General is an expensive provider
with an average six-month premium of
$560.
Here is a list of driving violations that can increase your car
insurance rates in South Hackensack NJ. For example, the car
insurance in South Hackensack
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.
South Hackensack 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 South Hackensack 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 South Hackensack.
The cheapest car insurance premiums in
South Hackensack are
offered by Plymouth Rock at $912 for a six-month policy.
However, it can be as
expensive as $6659 with companies
like Amica Mutual.
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 South Hackensack are offered by Plymouth Rock
at $835. However,
it can be as expensive as $3019
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in South Hackensack after Speeding ticket
Car Insurance Price Trends in South Hackensack,
New Jersey
Car insurance rates in South Hackensack have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the South Hackensack rose by
$317 in December
compared to $313 of November. In other words, there has been an increase by $4 when you
compare December and November.
The average cost of liability insurance in the South Hackensack rose to $111 in December,
compared to $107 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in South Hackensack by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
South Hackensack. At $2894 for a
six-month policy, insuring
your car at 7606 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in South Hackensack?
The car insurance in South Hackensack is $76 per month, which is lower than the national average.
What is the cheapest car insurance in South Hackensack?
The cheapest car insurance in South Hackensack
is $169 per month
for full coverage.
How much is car insurance in South Hackensack 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
South Hackensack?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $244 per month to insure your
car in South Hackensack.
Is car insurance expensive in South Hackensack?
Car insurance can be expensive in South Hackensack if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in South Hackensack can be
affordable.
What is the best car insurance in South Hackensack,
NJ?
The best car insurance company in South Hackensack
NJ is
New Jersey Manufacturers, offering $996 for a
six-month policy.
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South Hackensack Car Insurance
