Cheapest Car Insurance Quotes in Twin Rivers

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Twin Rivers Car Insurance

^$ 57

/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 Twin Rivers

The car insurance rate in Twin Rivers is $1151 for a six-month policy, which is $87 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $718, making it a popular choice for budget-conscious drivers. Rates in Twin Rivers 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 Twin Rivers

$1151

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

Cheapest Car Insurance Companies in Twin Rivers

1st place: New Jersey Manufacturers

At $718 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 $868 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $878 for six months, making it the third cheapest auto insurance company in Twin Rivers.

Twin Rivers Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Twin Rivers, NJ is New Jersey Manufacturers, offering policies at just $718 for a six-month term. This is followed by New Jersey Skylands Insurance, which has an average six-month premium of $868.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1917 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Twin Rivers drivers find the best deals.

Cheap Car Insurance Companies in Twin Rivers, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$718	$120
New Jersey Skylands Insurance	$868	$148
NJM	$878	$148
Plymouth Rock	$956	$161
Progressive	$1005	$169
Travelers	$1071	$180
Amica Mutual	$1216	$203
Allstate	$1254	$211
State Farm	$1353	$228
Selective	$1430	$241
Farmers	$1917	$320

Key Takeaways

Way's key takeaways about car insurance in Twin Rivers

The auto insurance costs in Twin Rivers fall around $718 for six months.
The cheapest auto insurance company in Twin Rivers is New Jersey Manufacturers.
Teen drivers pay the highest rate in Twin Rivers at $973 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 Twin Rivers

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 Twin Rivers are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Twin Rivers. Their Average 6 Month Premium is $331. Farmers is the most expensive at $956 for the same period.

Cheapest Liability Coverage in Twin Rivers, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$331	$57
Plymouth Rock	$447	$75
NJM	$458	$77
New Jersey Skylands Insurance	$486	$81
Amica Mutual	$498	$85
Amica	$569	$95
Progressive	$569	$96
Travelers	$586	$99
State Farm	$613	$103
Allstate	$680	$114
Selective	$757	$127
Farmers	$956	$159

Cheapest Full Coverage Car Insurance in Twin Rivers

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 Twin Rivers is New Jersey Manufacturers at $120 per month and $718 for six months.

Cheapest Full Coverage Car Insurance Quotes in Twin Rivers, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$718	$120
New Jersey Skylands Insurance	$868	$148
NJM	$878	$148
Plymouth Rock	$956	$161
Progressive	$1005	$169
Travelers	$1071	$180
Amica Mutual	$1216	$203
Allstate	$1254	$211
State Farm	$1353	$228
Selective	$1430	$241
Farmers	$1917	$320

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Average Car Insurance in Twin Rivers 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 Twin Rivers, NJ increasing?

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

Car Insurance Premiums by Age in Twin Rivers

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	$713
30s	NJM	$554
40s	NJM	$513
50s	NJM	$473
60s	NJM	$436

Cheapest Car Insurance Rates for Teen Drivers in Twin Rivers,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 Twin Rivers at $85 per month. At $5723 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	$498	$85
NJM	$994	$167
New Jersey Manufacturers	$1646	$280
Travelers	$2320	$391
Selective	$2514	$423
Plymouth Rock	$2608	$439
Amica Mutual	$2911	$495
Allstate	$3160	$532
Progressive	$3193	$538
State Farm	$3784	$637
Farmers	$5723	$973

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 Twin Rivers.

As young drivers face the highest rates in Twin Rivers, NJM offers the cheapest auto insurance rates at $713 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 Twin Rivers, Amica Mutual is the cheapest car insurance provider. At $607 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 Twin Rivers is State Farm, offering rates of around $6723 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$607	$103
New Jersey Skylands Insurance	$763	$127
Foremost	$851	$145
NJM	$1066	$179
Progressive	$1370	$231
Plymouth Rock	$1415	$238
Farmers	$2541	$432
Selective	$2939	$490
Travelers	$3138	$534
Allstate	$3287	$548
State Farm	$6723	$1143

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Car Insurance Rates with An Accident in Twin Rivers

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

Cheapest Car Insurance Companies after an At-Fault Accident in Twin Rivers

The cheapest car insurance companies after an at-fault accident in Twin Rivers include New Jersey Skylands Insurance and NJM, offering $586 and $624, respectively. Farmers is an expensive provider with an average six-month premium of $3713.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$586	$98
NJM	$624	$105
New Jersey Manufacturers	$757	$126
Plymouth Rock	$790	$133
Amica Mutual	$939	$158
Progressive	$1321	$222
Selective	$1790	$301
Travelers	$1834	$309
State Farm	$2121	$357
Allstate	$3315	$558
Farmers	$3713	$618

Twin Rivers Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Twin Rivers NJ. For example, the car insurance in Twin Rivers after a DUI increases to $1172 for a six month policy. While the rate increases by $161 for a six-month policy in the case of a speeding ticket.

Twin Rivers auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1077	$179
One Med/PIP claim	$1083	$184
Not-at-fault accident	$1133	$189
One comp claim	$1144	$194
Two Med/PIP claims	$1149	$192
Speeding 6 - 10 MPH over limit	$1238	$210
Speeding 11 - 15 MPH over limit	$1243	$207
Two comp claims	$1243	$211
Failure to show documents	$1259	$210
At-fault accident - less than $1000	$1276	$217
Failure to wear a seat belt	$1293	$216
Driving too slowly	$1298	$220
Driving without lights	$1304	$218
Child safety restraint	$1326	$225
Driving with expired registration	$1326	$221
Wrong way/wrong lane	$1348	$229
Failure to yield	$1353	$226
Failure to stop at a red light	$1359	$231
Illegal turn	$1381	$231
Cell phone violation	$1398	$238
Texting while driving	$1398	$233
Speeding in school zone	$1420	$242
Operating a vehicle without permission	$1426	$237
Speeding 16 - 20 MPH over limit	$1426	$243
Improper passing	$1458	$243
Following too closely	$1464	$249
Passing school bus	$1524	$254
In 65 MPH zone	$1535	$261
Speeding 21 - 25 MPH over limit	$1586	$264
At-fault accident - $1000-$2000	$1629	$277
At-fault accident - greater than $2000	$1641	$273
Open container	$1834	$312
Reckless driving	$2149	$358
Leaving scene of an accident/hit and run	$2232	$379
DUI	$2249	$375
Refusal to submit to a chemical test	$2249	$382
Racing	$2254	$376
Driving with a suspended license	$2343	$398

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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 Twin Rivers 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 Twin Rivers.

The cheapest car insurance premiums in Twin Rivers are offered by Plymouth Rock at $680 for a six-month policy. However, it can be as expensive as $5077 with companies like State Farm.

Twin Rivers car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$680	$114
Foremost	$746	$125
NJM	$751	$126
Mercury	$862	$143
New Jersey Manufacturers	$928	$158
Progressive	$945	$159
Travelers	$1426	$240
Allstate	$1707	$287
Selective	$2099	$353
Farmers	$2420	$404
Amica Mutual	$4801	$817
State Farm	$5077	$855

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 Twin Rivers are offered by Plymouth Rock at $630. However, it can be as expensive as $3248 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Twin Rivers after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$630	$106
NJM	$801	$135
Progressive	$1105	$186
Selective	$1591	$265
State Farm	$1613	$274
Travelers	$1851	$309
Allstate	$2696	$458
Farmers	$3248	$541

Car Insurance Price Trends in Twin Rivers, New Jersey

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

The average cost of full coverage in the Twin Rivers rose by $270 in January compared to $229 of December. In other words, there has been an increase by $41 when you compare January and December.

The average cost of liability insurance in the Twin Rivers rose to $90 in January, compared to $80 in December. This represents an increase of $10 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Twin Rivers?

The car insurance in Twin Rivers is $57 per month, which is lower than the national average.

What is the cheapest car insurance in Twin Rivers?

The cheapest car insurance in Twin Rivers is $120 per month for full coverage.

How much is car insurance in Twin Rivers for teenagers?

Car insurance for teenagers costs $498 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 Twin Rivers?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $193 per month to insure your car in Twin Rivers.

Is car insurance expensive in Twin Rivers?

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

Cheapest Car Insurance Quotes in Twin Rivers

Why you can trust Way?

How Much Is Car Insurance in Twin Rivers

Avg. Car Insurance in Twin Rivers

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Twin Rivers

1st place: New Jersey Manufacturers

2nd place: New Jersey Skylands Insurance

3rd place: NJM

Twin Rivers Car Insurance Rates by Company

Cheap Car Insurance Companies in Twin Rivers, NJ

Way's key takeaways about car insurance in Twin Rivers

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Twin Rivers

Cheapest Liability Coverage in Twin Rivers, NJ

Cheapest Full Coverage Car Insurance in Twin Rivers

Cheapest Full Coverage Car Insurance Quotes in Twin Rivers, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Twin Rivers by Rating Factor

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

Car Insurance Premiums by Age in Twin Rivers

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Twin Rivers,NJ

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

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 Twin Rivers

Cheapest Car Insurance Companies after an At-Fault Accident in Twin Rivers

Twin Rivers Car Insurance Rates by Violation

Twin Rivers auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Twin Rivers after a DUI

Twin Rivers car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Twin Rivers after Speeding ticket

Car Insurance Price Trends in Twin Rivers, New Jersey

Average Car Insurance Cost in Twin Rivers by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Twin Rivers, NJ

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

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