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Finding the cheapest car insurance quotes in Teaneck 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 Teaneck
The car insurance rate in Teaneck is $1535 for a six-month policy, which is $297 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $957, making it a popular choice for budget-conscious drivers. Rates in Teaneck 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.
At $957 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 $1157 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: NJM
NJM offers auto insurance
rates at $1171
for six months, making it
the third cheapest auto insurance company in Teaneck.
Teaneck Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Teaneck, NJ is New Jersey Manufacturers, offering policies at just $957 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1157.
At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2556 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Teaneck drivers find the best deals.
Way's key takeaways about car insurance in Teaneck
The auto insurance costs in Teaneck fall around $957 for six
months.
The cheapest auto insurance company in Teaneck is New Jersey Manufacturers.
Teen drivers pay the highest rate in Teaneck at $1297 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 Teaneck
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 Teaneck are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Teaneck. Their Average 6 Month Premium is $441.
Farmers is the most
expensive at $1275 for the same
period.
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 Teaneck is New Jersey Manufacturers
at $160 per month and $957
for six months.
Cheapest Full Coverage Car Insurance Quotes in Teaneck,
NJ
Get Your Car Insurance Quote in Teaneck
Instantly!
Average Car Insurance in Teaneck 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 Teaneck, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Teaneck, 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, Teaneck's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Teaneck
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
$951
30s
NJM
$739
40s
NJM
$684
50s
NJM
$631
60s
NJM
$582
Cheapest Car Insurance Rates for Teen Drivers in
Teaneck,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 Teaneck at $113
per
month. At $7631 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 Teaneck.
As young drivers face the highest rates in Teaneck, NJM
offers the cheapest auto insurance rates at $951 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 Teaneck,
Amica Mutual is
the cheapest car insurance provider. At $810 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
Teaneck is State Farm, offering
rates of around $8964 for six
months.
Save up to $971/yr on car insurance rates in Teaneck.
Car Insurance Rates with An Accident in Teaneck
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 Teaneck, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Teaneck
The cheapest car insurance companies after an at-fault accident in
Teaneck include New Jersey Skylands Insurance
and NJM, offering $781
and $832,
respectively. Farmers is an expensive provider
with an average six-month premium of
$4950.
Here is a list of driving violations that can increase your car
insurance rates in Teaneck NJ. For example, the car
insurance in Teaneck
after a DUI increases to $1562 for a six
month policy. While the rate increases by $214 for a six-month policy in the case of
a speeding ticket.
Teaneck auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1436
$239
One Med/PIP claim
$1443
$246
Not-at-fault accident
$1510
$252
One comp claim
$1525
$259
Two Med/PIP claims
$1533
$255
Speeding 6 - 10 MPH over limit
$1650
$280
Speeding 11 - 15 MPH over limit
$1658
$277
Two comp claims
$1658
$281
Failure to show documents
$1679
$280
At-fault accident - less than $1000
$1701
$289
Failure to wear a seat belt
$1724
$288
Driving too slowly
$1731
$294
Driving without lights
$1738
$290
Child safety restraint
$1768
$300
Driving with expired registration
$1768
$295
Wrong way/wrong lane
$1797
$305
Failure to yield
$1804
$301
Failure to stop at a red light
$1812
$308
Illegal turn
$1841
$308
Cell phone violation
$1864
$317
Texting while driving
$1864
$310
Speeding in school zone
$1893
$322
Operating a vehicle without permission
$1901
$316
Speeding 16 - 20 MPH over limit
$1901
$324
Improper passing
$1944
$324
Following too closely
$1952
$332
Passing school bus
$2032
$339
In 65 MPH zone
$2047
$348
Speeding 21 - 25 MPH over limit
$2114
$352
At-fault accident - $1000-$2000
$2172
$370
At-fault accident - greater than $2000
$2187
$365
Open container
$2445
$415
Reckless driving
$2866
$477
Leaving scene of an accident/hit and run
$2976
$506
DUI
$2998
$500
Refusal to submit to a chemical test
$2998
$510
Racing
$3006
$501
Driving with a suspended license
$3124
$531
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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 Teaneck 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 Teaneck.
The cheapest car insurance premiums in
Teaneck are
offered by Plymouth Rock at $906 for a six-month policy.
However, it can be as
expensive as $6769 with companies
like State Farm.
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 Teaneck are offered by Plymouth Rock
at $839. However,
it can be as expensive as $4331
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Teaneck after Speeding ticket
Car insurance rates in Teaneck have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Teaneck rose by
$360 in January
compared to $305 of December. In other words, there has been an increase by $55 when you
compare January and December.
The average cost of liability insurance in the Teaneck rose to $120 in January,
compared to $107 in December.
This represents an increase of $13
when comparing January and December.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Teaneck. At $3070 for a
six-month policy, insuring
your car at 7666 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 Teaneck?
The car insurance in Teaneck is $76 per month, which is lower than the national average.
What is the cheapest car insurance in Teaneck?
The cheapest car insurance in Teaneck
is $160 per month
for full coverage.
How much is car insurance in Teaneck for teenagers?
Car insurance for teenagers costs $663 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
Teaneck?
The average cost of car insurance is $1238 for a six-month
policy. It will cost around $258 per month to insure your
car in Teaneck.
Is car insurance expensive in Teaneck?
Car insurance can be expensive in Teaneck if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Teaneck can be
affordable.
What is the best car insurance in Teaneck,
NJ?
The best car insurance company in Teaneck
NJ is
New Jersey Manufacturers, offering $957 for a
six-month policy.
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Teaneck Car Insurance
