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Finding the cheapest car insurance quotes in Wickatunk 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 Wickatunk
The car insurance rate in Wickatunk is $1077 for a six-month policy, which is $45 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $741, making it a popular choice for budget-conscious drivers. Rates in Wickatunk 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 $741 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 $884 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 $896
for six months, making it
the third cheapest auto insurance company in Wickatunk.
Wickatunk Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Wickatunk, NJ is New Jersey Manufacturers, offering policies at just $741 for a six-month term. This is followed by NJM, which has an average six-month premium of $884.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $975 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wickatunk drivers find the best deals.
Way's key takeaways about car insurance in Wickatunk
The auto insurance costs in Wickatunk fall around $741 for six
months.
The cheapest auto insurance company in Wickatunk is New Jersey Manufacturers.
Teen drivers pay the highest rate in Wickatunk at $1013 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 Wickatunk
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 Wickatunk are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Wickatunk. Their Average 6 Month Premium is $342.
National General is the most
expensive at $359 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 Wickatunk is New Jersey Manufacturers
at $126 per month and $741
for six months.
Cheapest Full Coverage Car Insurance Quotes in Wickatunk,
NJ
Get Your Car Insurance Quote in Wickatunk
Instantly!
Average Car Insurance in Wickatunk 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 Wickatunk, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Wickatunk, 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, Wickatunk's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Wickatunk
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
$736
30s
NJM
$572
40s
NJM
$530
50s
NJM
$489
60s
NJM
$450
Cheapest Car Insurance Rates for Teen Drivers in
Wickatunk,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 Wickatunk at $87
per
month. At $5959 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 Wickatunk.
As young drivers face the highest rates in Wickatunk, NJM
offers the cheapest auto insurance rates at $736 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 Wickatunk,
Amica Mutual is
the cheapest car insurance provider. At $627 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
Wickatunk is Farmers, offering
rates of around $5383 for six
months.
Save up to $971/yr on car insurance rates in Wickatunk.
Car Insurance Rates with An Accident in Wickatunk
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 Wickatunk, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Wickatunk
The cheapest car insurance companies after an at-fault accident in
Wickatunk include New Jersey Skylands Insurance
and NJM, offering $605
and $621,
respectively. National General is an expensive provider
with an average six-month premium of
$417.
Here is a list of driving violations that can increase your car
insurance rates in Wickatunk NJ. For example, the car
insurance in Wickatunk
after a DUI increases to $1209 for a six
month policy. While the rate increases by $166 for a six-month policy in the case of
a speeding ticket.
Wickatunk auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1112
$185
One Med/PIP claim
$1117
$190
Not-at-fault accident
$1169
$195
One comp claim
$1181
$201
Two Med/PIP claims
$1187
$198
Speeding 6 - 10 MPH over limit
$1278
$217
Speeding 11 - 15 MPH over limit
$1284
$214
Two comp claims
$1284
$218
Failure to show documents
$1300
$217
At-fault accident - less than $1000
$1317
$224
Failure to wear a seat belt
$1334
$223
Driving too slowly
$1340
$228
Driving without lights
$1346
$225
Child safety restraint
$1369
$232
Driving with expired registration
$1369
$228
Wrong way/wrong lane
$1391
$236
Failure to yield
$1397
$233
Failure to stop at a red light
$1403
$238
Illegal turn
$1426
$238
Cell phone violation
$1443
$246
Texting while driving
$1443
$240
Speeding in school zone
$1466
$250
Operating a vehicle without permission
$1472
$245
Speeding 16 - 20 MPH over limit
$1472
$251
Improper passing
$1505
$251
Following too closely
$1511
$257
Passing school bus
$1573
$262
In 65 MPH zone
$1585
$270
Speeding 21 - 25 MPH over limit
$1637
$273
At-fault accident - $1000-$2000
$1682
$286
At-fault accident - greater than $2000
$1693
$282
Open container
$1893
$322
Reckless driving
$2219
$370
Leaving scene of an accident/hit and run
$2304
$392
DUI
$2321
$387
Refusal to submit to a chemical test
$2321
$395
Racing
$2327
$388
Driving with a suspended license
$2418
$411
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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 Wickatunk 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 Wickatunk.
The cheapest car insurance premiums in
Wickatunk are
offered by Plymouth Rock at $679 for a six-month policy.
However, it can be as
expensive as $4956 with companies
like Amica Mutual.
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 Wickatunk are offered by Plymouth Rock
at $621. However,
it can be as expensive as $2246
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Wickatunk after Speeding ticket
Car Insurance Price Trends in Wickatunk,
New Jersey
Car insurance rates in Wickatunk have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Wickatunk rose by
$236 in December
compared to $233 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 Wickatunk rose to $83 in December,
compared to $80 in November.
This represents an increase of $3
when comparing December and November.
Average Car Insurance Cost in Wickatunk by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Wickatunk. At $N/A for a
six-month policy, insuring
your car at N/A 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 Wickatunk?
The car insurance in Wickatunk is $57 per month, which is lower than the national average.
What is the cheapest car insurance in Wickatunk?
The cheapest car insurance in Wickatunk
is $126 per month
for full coverage.
How much is car insurance in Wickatunk for teenagers?
Car insurance for teenagers costs $514 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
Wickatunk?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $181 per month to insure your
car in Wickatunk.
Is car insurance expensive in Wickatunk?
Car insurance can be expensive in Wickatunk if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Wickatunk can be
affordable.
What is the best car insurance in Wickatunk,
NJ?
The best car insurance company in Wickatunk
NJ is
New Jersey Manufacturers, offering $741 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Wickatunk, NJ
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Wickatunk Car Insurance
