Cheapest Car Insurance Quotes in Upper Saddle River

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Upper Saddle River Car Insurance

^$ 55

/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 Saddle River

The car insurance rate in Upper Saddle River is $1055 for a six-month policy, which is $67 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $726, making it a popular choice for budget-conscious drivers. Rates in Upper Saddle River 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 Saddle River

$1055

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Upper Saddle River

1st place: New Jersey Manufacturers

At $726 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 $866 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 $877 for six months, making it the third cheapest auto insurance company in Upper Saddle River.

Upper Saddle River Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Upper Saddle River, NJ is New Jersey Manufacturers, offering policies at just $726 for a six-month term. This is followed by NJM, which has an average six-month premium of $866.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $955 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Upper Saddle River drivers find the best deals.

Cheap Car Insurance Companies in Upper Saddle River, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$726	$123
NJM	$866	$146
New Jersey Skylands Insurance	$877	$149
Progressive	$887	$149
Plymouth Rock	$944	$159
Allstate	$1067	$180
Travelers	$1100	$185
State Farm	$1172	$197
Amica Mutual	$1229	$209
Selective	$1278	$213
Farmers	$1558	$265
National General	$955	$163

Key Takeaways

Way's key takeaways about car insurance in Upper Saddle River

The auto insurance costs in Upper Saddle River fall around $726 for six months.
The cheapest auto insurance company in Upper Saddle River is New Jersey Manufacturers.
Teen drivers pay the highest rate in Upper Saddle River at $992 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Upper Saddle River

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 Saddle River are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Upper Saddle River. Their Average 6 Month Premium is $335. National General is the most expensive at $352 for the same period.

Cheapest Liability Coverage in Upper Saddle River, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$335	$55
Plymouth Rock	$419	$71
Progressive	$419	$71
NJM	$452	$76
New Jersey Skylands Insurance	$492	$82
State Farm	$497	$84
Amica Mutual	$503	$84
Travelers	$503	$85
Amica	$575	$96
Selective	$608	$103
Allstate	$625	$105
Farmers	$1010	$172
National General	$352	$60

Cheapest Full Coverage Car Insurance in Upper Saddle River

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 Saddle River is New Jersey Manufacturers at $123 per month and $726 for six months.

Cheapest Full Coverage Car Insurance Quotes in Upper Saddle River, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$726	$123
NJM	$866	$146
New Jersey Skylands Insurance	$877	$149
Progressive	$887	$149
Plymouth Rock	$944	$159
Allstate	$1067	$180
Travelers	$1100	$185
State Farm	$1172	$197
Amica Mutual	$1229	$209
Selective	$1278	$213
Farmers	$1558	$265
National General	$955	$163

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Average Car Insurance in Upper Saddle River 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 Saddle River, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in Upper Saddle River, 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 Saddle River'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 Saddle River

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	$721
30s	NJM	$560
40s	NJM	$519
50s	NJM	$478
60s	NJM	$441

Cheapest Car Insurance Rates for Teen Drivers in Upper Saddle River,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 Saddle River at $86 per month. At $5835 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	$503	$86
Selective	$631	$105
NJM	$961	$162
New Jersey Manufacturers	$1664	$277
Travelers	$2328	$392
Plymouth Rock	$2496	$420
Allstate	$2501	$421
Progressive	$2725	$459
Amica Mutual	$2942	$500
State Farm	$3227	$543
Farmers	$5835	$992

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 Saddle River.

As young drivers face the highest rates in Upper Saddle River, NJM offers the cheapest auto insurance rates at $721 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 Saddle River, Amica Mutual is the cheapest car insurance provider. At $614 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 Saddle River is Farmers, offering rates of around $5271 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$614	$104
New Jersey Skylands Insurance	$771	$129
Foremost	$860	$147
NJM	$1039	$175
Progressive	$1050	$177
Plymouth Rock	$1362	$229
Allstate	$2328	$396
Travelers	$3350	$558
State Farm	$5098	$867
Farmers	$5271	$879

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Save up to $971/yr on car insurance rates in Upper Saddle River.

Car Insurance Rates with An Accident in Upper Saddle River

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

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

The cheapest car insurance companies after an at-fault accident in Upper Saddle River include New Jersey Skylands Insurance and NJM, offering $592 and $608, respectively. National General is an expensive provider with an average six-month premium of $408.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$592	$99
NJM	$608	$102
New Jersey Manufacturers	$765	$128
Plymouth Rock	$771	$130
Selective	$887	$148
Amica Mutual	$949	$160
Progressive	$1183	$199
State Farm	$1810	$305
Travelers	$1909	$321
Allstate	$2663	$448
Farmers	$4807	$801
National General	$408	$68

Upper Saddle River Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Upper Saddle River NJ. For example, the car insurance in Upper Saddle River after a DUI increases to $1184 for a six month policy. While the rate increases by $162 for a six-month policy in the case of a speeding ticket.

Upper Saddle River auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1089	$181
One Med/PIP claim	$1094	$186
Not-at-fault accident	$1145	$191
One comp claim	$1156	$196
Two Med/PIP claims	$1162	$194
Speeding 6 - 10 MPH over limit	$1251	$212
Speeding 11 - 15 MPH over limit	$1257	$210
Two comp claims	$1257	$213
Failure to show documents	$1273	$212
At-fault accident - less than $1000	$1290	$219
Failure to wear a seat belt	$1307	$218
Driving too slowly	$1312	$223
Driving without lights	$1318	$220
Child safety restraint	$1340	$227
Driving with expired registration	$1340	$224
Wrong way/wrong lane	$1362	$231
Failure to yield	$1368	$228
Failure to stop at a red light	$1373	$233
Illegal turn	$1396	$233
Cell phone violation	$1413	$241
Texting while driving	$1413	$235
Speeding in school zone	$1435	$244
Operating a vehicle without permission	$1441	$240
Speeding 16 - 20 MPH over limit	$1441	$245
Improper passing	$1474	$245
Following too closely	$1480	$252
Passing school bus	$1541	$257
In 65 MPH zone	$1552	$264
Speeding 21 - 25 MPH over limit	$1603	$267
At-fault accident - $1000-$2000	$1647	$280
At-fault accident - greater than $2000	$1658	$276
Open container	$1854	$315
Reckless driving	$2172	$362
Leaving scene of an accident/hit and run	$2256	$384
DUI	$2273	$379
Refusal to submit to a chemical test	$2273	$386
Racing	$2279	$380
Driving with a suspended license	$2368	$402

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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 Saddle River 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 Saddle River.

The cheapest car insurance premiums in Upper Saddle River are offered by Plymouth Rock at $665 for a six-month policy. However, it can be as expensive as $4852 with companies like Amica Mutual.

Upper Saddle River car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$665	$112
NJM	$731	$123
Foremost	$754	$128
Progressive	$849	$143
Mercury	$871	$149
New Jersey Manufacturers	$938	$156
Selective	$994	$169
Allstate	$1418	$239
Travelers	$1480	$249
State Farm	$4316	$727
Farmers	$4780	$813
Amica Mutual	$4852	$808

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 Saddle River are offered by Plymouth Rock at $608. However, it can be as expensive as $2200 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Upper Saddle River after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$608	$102
NJM	$771	$130
Progressive	$871	$147
State Farm	$1234	$210
Allstate	$1865	$311
Travelers	$1960	$334
Farmers	$2200	$367

Car Insurance Price Trends in Upper Saddle River, New Jersey

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

The average cost of full coverage in the Upper Saddle River rose by $231 in December compared to $228 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 Saddle River rose to $81 in December, compared to $78 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 Saddle River?

The car insurance in Upper Saddle River is $55 per month, which is lower than the national average.

What is the cheapest car insurance in Upper Saddle River?

The cheapest car insurance in Upper Saddle River is $123 per month for full coverage.

How much is car insurance in Upper Saddle River for teenagers?

Car insurance for teenagers costs $503 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 Saddle River?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $178 per month to insure your car in Upper Saddle River.

Is car insurance expensive in Upper Saddle River?

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

Cheapest Car Insurance Quotes in Upper Saddle River

Why you can trust Way?

How Much Is Car Insurance in Upper Saddle River

Avg. Car Insurance in Upper Saddle River

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Upper Saddle River

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Upper Saddle River Car Insurance Rates by Company

Cheap Car Insurance Companies in Upper Saddle River, NJ

Way's key takeaways about car insurance in Upper Saddle River

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Upper Saddle River

Cheapest Liability Coverage in Upper Saddle River, NJ

Cheapest Full Coverage Car Insurance in Upper Saddle River

Cheapest Full Coverage Car Insurance Quotes in Upper Saddle River, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Upper Saddle River by Rating Factor

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

Car Insurance Premiums by Age in Upper Saddle River

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Upper Saddle River,NJ

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

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 Saddle River

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

Upper Saddle River Car Insurance Rates by Violation

Upper Saddle River auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Upper Saddle River after a DUI

Upper Saddle River car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Upper Saddle River after Speeding ticket

Car Insurance Price Trends in Upper Saddle River, New Jersey

Average Car Insurance Cost in Upper Saddle River by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Upper Saddle River, NJ

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

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