Cheapest Car Insurance Quotes in Upper Montclair

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Upper Montclair Car Insurance

^$ 65

/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 Upper Montclair

The car insurance rate in Upper Montclair is $1245 for a six-month policy, which is $123 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $857, making it a popular choice for budget-conscious drivers. Rates in Upper Montclair 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 Upper Montclair

$1245

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Upper Montclair

1st place: New Jersey Manufacturers

At $857 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 $1022 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 $1036 for six months, making it the third cheapest auto insurance company in Upper Montclair.

Upper Montclair Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Upper Montclair, NJ is New Jersey Manufacturers, offering policies at just $857 for a six-month term. This is followed by NJM, which has an average six-month premium of $1022.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1128 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Upper Montclair drivers find the best deals.

Cheap Car Insurance Companies in Upper Montclair, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$857	$145
NJM	$1022	$172
New Jersey Skylands Insurance	$1036	$176
Progressive	$1048	$176
Plymouth Rock	$1114	$188
Allstate	$1260	$212
Travelers	$1299	$219
State Farm	$1384	$233
Amica Mutual	$1451	$246
Selective	$1510	$252
Farmers	$1839	$313
National General	$1128	$192

Key Takeaways

Way's key takeaways about car insurance in Upper Montclair

The auto insurance costs in Upper Montclair fall around $857 for six months.
The cheapest auto insurance company in Upper Montclair is New Jersey Manufacturers.
Teen drivers pay the highest rate in Upper Montclair at $1171 per month.

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Cheapest Minimum Liability Car Insurance in Upper Montclair

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 Upper Montclair are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Upper Montclair. Their Average 6 Month Premium is $395. National General is the most expensive at $415 for the same period.

Cheapest Liability Coverage in Upper Montclair, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$395	$65
Plymouth Rock	$495	$83
Progressive	$495	$83
NJM	$534	$90
New Jersey Skylands Insurance	$581	$97
State Farm	$587	$99
Amica Mutual	$594	$99
Travelers	$594	$100
Amica	$679	$113
Selective	$718	$122
Allstate	$738	$124
Farmers	$1193	$203
National General	$415	$71

Cheapest Full Coverage Car Insurance in Upper Montclair

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 Upper Montclair is New Jersey Manufacturers at $145 per month and $857 for six months.

Cheapest Full Coverage Car Insurance Quotes in Upper Montclair, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$857	$145
NJM	$1022	$172
New Jersey Skylands Insurance	$1036	$176
Progressive	$1048	$176
Plymouth Rock	$1114	$188
Allstate	$1260	$212
Travelers	$1299	$219
State Farm	$1384	$233
Amica Mutual	$1451	$246
Selective	$1510	$252
Farmers	$1839	$313
National General	$1128	$192

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Average Car Insurance in Upper Montclair 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 Upper Montclair, NJ increasing?

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

Car Insurance Premiums by Age in Upper Montclair

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	$851
30s	NJM	$662
40s	NJM	$613
50s	NJM	$565
60s	NJM	$521

Cheapest Car Insurance Rates for Teen Drivers in Upper Montclair,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 Upper Montclair at $101 per month. At $6890 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	$594	$101
Selective	$745	$124
NJM	$1134	$191
New Jersey Manufacturers	$1965	$327
Travelers	$2749	$463
Plymouth Rock	$2947	$496
Allstate	$2954	$497
Progressive	$3218	$542
Amica Mutual	$3474	$591
State Farm	$3811	$642
Farmers	$6890	$1171

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 Upper Montclair.

As young drivers face the highest rates in Upper Montclair, NJM offers the cheapest auto insurance rates at $851 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 Upper Montclair, Amica Mutual is the cheapest car insurance provider. At $725 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 Upper Montclair is Farmers, offering rates of around $6224 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$725	$123
New Jersey Skylands Insurance	$910	$152
Foremost	$1016	$173
NJM	$1227	$206
Progressive	$1240	$209
Plymouth Rock	$1608	$271
Allstate	$2749	$467
Travelers	$3956	$659
State Farm	$6020	$1023
Farmers	$6224	$1038

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Car Insurance Rates with An Accident in Upper Montclair

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

Cheapest Car Insurance Companies after an At-Fault Accident in Upper Montclair

The cheapest car insurance companies after an at-fault accident in Upper Montclair include New Jersey Skylands Insurance and NJM, offering $699 and $718, respectively. National General is an expensive provider with an average six-month premium of $482.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$699	$117
NJM	$718	$121
New Jersey Manufacturers	$904	$151
Plymouth Rock	$910	$153
Selective	$1048	$174
Amica Mutual	$1121	$189
Progressive	$1397	$235
State Farm	$2137	$360
Travelers	$2254	$380
Allstate	$3145	$529
Farmers	$5677	$946
National General	$482	$80

Upper Montclair Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Upper Montclair NJ. For example, the car insurance in Upper Montclair after a DUI increases to $1399 for a six month policy. While the rate increases by $192 for a six-month policy in the case of a speeding ticket.

Upper Montclair auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1285	$214
One Med/PIP claim	$1292	$220
Not-at-fault accident	$1352	$225
One comp claim	$1365	$232
Two Med/PIP claims	$1372	$229
Speeding 6 - 10 MPH over limit	$1477	$251
Speeding 11 - 15 MPH over limit	$1484	$248
Two comp claims	$1484	$252
Failure to show documents	$1503	$251
At-fault accident - less than $1000	$1523	$259
Failure to wear a seat belt	$1543	$258
Driving too slowly	$1550	$263
Driving without lights	$1556	$260
Child safety restraint	$1583	$269
Driving with expired registration	$1583	$264
Wrong way/wrong lane	$1608	$273
Failure to yield	$1615	$270
Failure to stop at a red light	$1622	$275
Illegal turn	$1648	$275
Cell phone violation	$1668	$284
Texting while driving	$1668	$278
Speeding in school zone	$1695	$289
Operating a vehicle without permission	$1702	$283
Speeding 16 - 20 MPH over limit	$1702	$290
Improper passing	$1740	$290
Following too closely	$1747	$297
Passing school bus	$1819	$303
In 65 MPH zone	$1833	$312
Speeding 21 - 25 MPH over limit	$1893	$315
At-fault accident - $1000-$2000	$1945	$331
At-fault accident - greater than $2000	$1958	$326
Open container	$2189	$372
Reckless driving	$2565	$427
Leaving scene of an accident/hit and run	$2664	$453
DUI	$2684	$447
Refusal to submit to a chemical test	$2684	$456
Racing	$2691	$448
Driving with a suspended license	$2796	$475

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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 Upper Montclair 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 Upper Montclair.

The cheapest car insurance premiums in Upper Montclair are offered by Plymouth Rock at $785 for a six-month policy. However, it can be as expensive as $5730 with companies like Amica Mutual.

Upper Montclair car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$785	$132
NJM	$864	$145
Foremost	$890	$151
Progressive	$1002	$169
Mercury	$1029	$175
New Jersey Manufacturers	$1108	$184
Selective	$1173	$200
Allstate	$1675	$282
Travelers	$1747	$294
State Farm	$5097	$858
Farmers	$5644	$960
Amica Mutual	$5730	$955

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 Upper Montclair are offered by Plymouth Rock at $718. However, it can be as expensive as $2597 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Upper Montclair after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$718	$121
NJM	$910	$153
Progressive	$1029	$173
State Farm	$1457	$248
Allstate	$2202	$367
Travelers	$2314	$394
Farmers	$2597	$433

Car Insurance Price Trends in Upper Montclair, New Jersey

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

The average cost of full coverage in the Upper Montclair rose by $273 in December compared to $270 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 Upper Montclair rose to $95 in December, compared to $92 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 Upper Montclair?

The car insurance in Upper Montclair is $65 per month, which is lower than the national average.

What is the cheapest car insurance in Upper Montclair?

The cheapest car insurance in Upper Montclair is $145 per month for full coverage.

How much is car insurance in Upper Montclair for teenagers?

Car insurance for teenagers costs $594 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 Upper Montclair?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $210 per month to insure your car in Upper Montclair.

Is car insurance expensive in Upper Montclair?

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

Cheapest Car Insurance Quotes in Upper Montclair

Why you can trust Way?

How Much Is Car Insurance in Upper Montclair

Avg. Car Insurance in Upper Montclair

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Upper Montclair

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Upper Montclair Car Insurance Rates by Company

Cheap Car Insurance Companies in Upper Montclair, NJ

Way's key takeaways about car insurance in Upper Montclair

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Upper Montclair

Cheapest Liability Coverage in Upper Montclair, NJ

Cheapest Full Coverage Car Insurance in Upper Montclair

Cheapest Full Coverage Car Insurance Quotes in Upper Montclair, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Upper Montclair by Rating Factor

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

Car Insurance Premiums by Age in Upper Montclair

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Upper Montclair,NJ

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

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 Upper Montclair

Cheapest Car Insurance Companies after an At-Fault Accident in Upper Montclair

Upper Montclair Car Insurance Rates by Violation

Upper Montclair auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Upper Montclair after a DUI

Upper Montclair car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Upper Montclair after Speeding ticket

Car Insurance Price Trends in Upper Montclair, New Jersey

Average Car Insurance Cost in Upper Montclair by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Upper Montclair, NJ

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

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