Cheapest Car Insurance Quotes in Totowa

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Totowa Car Insurance

^$ 71

/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 Totowa

The car insurance rate in Totowa is $1436 for a six-month policy, which is $198 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $896, making it a popular choice for budget-conscious drivers. Rates in Totowa 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 Totowa

$1436

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Totowa

1st place: New Jersey Manufacturers

At $896 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 $1082 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1095 for six months, making it the third cheapest auto insurance company in Totowa.

Totowa Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Totowa, NJ is New Jersey Manufacturers, offering policies at just $896 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $1082.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2391 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Totowa drivers find the best deals.

Cheap Car Insurance Companies in Totowa, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$896	$150
New Jersey Skylands Insurance	$1082	$184
NJM	$1095	$184
Plymouth Rock	$1192	$201
Progressive	$1254	$211
Travelers	$1336	$225
Amica Mutual	$1516	$253
Allstate	$1564	$263
State Farm	$1688	$284
Selective	$1784	$300
Farmers	$2391	$399

Key Takeaways

Way's key takeaways about car insurance in Totowa

The auto insurance costs in Totowa fall around $896 for six months.
The cheapest auto insurance company in Totowa is New Jersey Manufacturers.
Teen drivers pay the highest rate in Totowa at $1213 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 Totowa

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 Totowa are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Totowa. Their Average 6 Month Premium is $413. Farmers is the most expensive at $1192 for the same period.

Cheapest Liability Coverage in Totowa, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$413	$71
Plymouth Rock	$558	$94
NJM	$572	$96
New Jersey Skylands Insurance	$607	$101
Amica Mutual	$621	$106
Amica	$710	$118
Progressive	$710	$119
Travelers	$731	$123
State Farm	$764	$129
Allstate	$848	$143
Selective	$944	$159
Farmers	$1192	$198

Cheapest Full Coverage Car Insurance in Totowa

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 Totowa is New Jersey Manufacturers at $150 per month and $896 for six months.

Cheapest Full Coverage Car Insurance Quotes in Totowa, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$896	$150
New Jersey Skylands Insurance	$1082	$184
NJM	$1095	$184
Plymouth Rock	$1192	$201
Progressive	$1254	$211
Travelers	$1336	$225
Amica Mutual	$1516	$253
Allstate	$1564	$263
State Farm	$1688	$284
Selective	$1784	$300
Farmers	$2391	$399

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Average Car Insurance in Totowa 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 Totowa, NJ increasing?

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

Car Insurance Premiums by Age in Totowa

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	$890
30s	NJM	$691
40s	NJM	$640
50s	NJM	$590
60s	NJM	$544

Cheapest Car Insurance Rates for Teen Drivers in Totowa,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 Totowa at $106 per month. At $7139 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	$621	$106
NJM	$1240	$209
New Jersey Manufacturers	$2053	$349
Travelers	$2894	$487
Selective	$3135	$528
Plymouth Rock	$3253	$548
Amica Mutual	$3631	$617
Allstate	$3942	$664
Progressive	$3982	$670
State Farm	$4720	$795
Farmers	$7139	$1213

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 Totowa.

As young drivers face the highest rates in Totowa, NJM offers the cheapest auto insurance rates at $890 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 Totowa, Amica Mutual is the cheapest car insurance provider. At $757 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 Totowa is State Farm, offering rates of around $8386 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$757	$129
New Jersey Skylands Insurance	$951	$159
Foremost	$1061	$181
NJM	$1329	$224
Progressive	$1709	$288
Plymouth Rock	$1764	$297
Farmers	$3169	$539
Selective	$3666	$611
Travelers	$3914	$666
Allstate	$4099	$683
State Farm	$8386	$1426

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

Car Insurance Rates with An Accident in Totowa

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

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

The cheapest car insurance companies after an at-fault accident in Totowa include New Jersey Skylands Insurance and NJM, offering $731 and $778, respectively. Farmers is an expensive provider with an average six-month premium of $4631.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$731	$122
NJM	$778	$131
New Jersey Manufacturers	$944	$158
Plymouth Rock	$985	$166
Amica Mutual	$1172	$197
Progressive	$1647	$277
Selective	$2233	$376
Travelers	$2288	$385
State Farm	$2646	$445
Allstate	$4134	$696
Farmers	$4631	$771

Totowa Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Totowa NJ. For example, the car insurance in Totowa after a DUI increases to $1462 for a six month policy. While the rate increases by $201 for a six-month policy in the case of a speeding ticket.

Totowa auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1343	$224
One Med/PIP claim	$1350	$230
Not-at-fault accident	$1413	$235
One comp claim	$1427	$242
Two Med/PIP claims	$1434	$239
Speeding 6 - 10 MPH over limit	$1544	$262
Speeding 11 - 15 MPH over limit	$1551	$259
Two comp claims	$1551	$263
Failure to show documents	$1571	$262
At-fault accident - less than $1000	$1592	$270
Failure to wear a seat belt	$1612	$269
Driving too slowly	$1619	$275
Driving without lights	$1626	$271
Child safety restraint	$1654	$281
Driving with expired registration	$1654	$276
Wrong way/wrong lane	$1681	$285
Failure to yield	$1688	$282
Failure to stop at a red light	$1695	$288
Illegal turn	$1723	$288
Cell phone violation	$1743	$297
Texting while driving	$1743	$290
Speeding in school zone	$1771	$302
Operating a vehicle without permission	$1778	$296
Speeding 16 - 20 MPH over limit	$1778	$303
Improper passing	$1819	$303
Following too closely	$1826	$311
Passing school bus	$1901	$317
In 65 MPH zone	$1915	$326
Speeding 21 - 25 MPH over limit	$1978	$329
At-fault accident - $1000-$2000	$2032	$346
At-fault accident - greater than $2000	$2046	$341
Open container	$2288	$389
Reckless driving	$2681	$447
Leaving scene of an accident/hit and run	$2784	$473
DUI	$2805	$467
Refusal to submit to a chemical test	$2805	$477
Racing	$2812	$469
Driving with a suspended license	$2922	$496

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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 Totowa 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 Totowa.

The cheapest car insurance premiums in Totowa are offered by Plymouth Rock at $848 for a six-month policy. However, it can be as expensive as $6332 with companies like State Farm.

Totowa car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$848	$143
Foremost	$930	$155
NJM	$937	$158
Mercury	$1075	$179
New Jersey Manufacturers	$1158	$197
Progressive	$1179	$198
Travelers	$1778	$299
Allstate	$2129	$358
Selective	$2618	$441
Farmers	$3018	$503
Amica Mutual	$5988	$1018
State Farm	$6332	$1066

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 Totowa are offered by Plymouth Rock at $785. However, it can be as expensive as $4052 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Totowa after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$785	$132
NJM	$999	$168
Progressive	$1378	$232
Selective	$1985	$331
State Farm	$2011	$342
Travelers	$2308	$385
Allstate	$3363	$572
Farmers	$4052	$675

Car Insurance Price Trends in Totowa, New Jersey

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

The average cost of full coverage in the Totowa rose by $336 in January compared to $285 of December. In other words, there has been an increase by $51 when you compare January and December.

The average cost of liability insurance in the Totowa rose to $113 in January, compared to $100 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Totowa?

The car insurance in Totowa is $71 per month, which is lower than the national average.

What is the cheapest car insurance in Totowa?

The cheapest car insurance in Totowa is $150 per month for full coverage.

How much is car insurance in Totowa for teenagers?

Car insurance for teenagers costs $621 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 Totowa?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $241 per month to insure your car in Totowa.

Is car insurance expensive in Totowa?

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

Cheapest Car Insurance Quotes in Totowa

Why you can trust Way?

How Much Is Car Insurance in Totowa

Avg. Car Insurance in Totowa

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Totowa

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Totowa Car Insurance Rates by Company

Cheap Car Insurance Companies in Totowa, NJ

Way's key takeaways about car insurance in Totowa

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Totowa

Cheapest Liability Coverage in Totowa, NJ

Cheapest Full Coverage Car Insurance in Totowa

Cheapest Full Coverage Car Insurance Quotes in Totowa, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Totowa by Rating Factor

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

Car Insurance Premiums by Age in Totowa

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Totowa,NJ

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

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 Totowa

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

Totowa Car Insurance Rates by Violation

Totowa auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Totowa after a DUI

Totowa car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Totowa after Speeding ticket

Car Insurance Price Trends in Totowa, New Jersey

Average Car Insurance Cost in Totowa by ZIP Code

Frequently Asked Questions

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