Cheapest Car Insurance Quotes in Wood-Ridge

Finding the cheapest car insurance quotes in Wood-Ridge 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.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Wood-Ridge Car Insurance

^$ 70

/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 Wood-Ridge

The car insurance rate in Wood-Ridge is $1335 for a six-month policy, which is $213 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $919, making it a popular choice for budget-conscious drivers. Rates in Wood-Ridge 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 Wood-Ridge

$1335

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in Wood-Ridge

1st place: New Jersey Manufacturers

At $919 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 $1096 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 $1110 for six months, making it the third cheapest auto insurance company in Wood-Ridge.

Wood-Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wood-Ridge, NJ is New Jersey Manufacturers, offering policies at just $919 for a six-month term. This is followed by NJM, which has an average six-month premium of $1096.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1209 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wood-Ridge drivers find the best deals.

Cheap Car Insurance Companies in Wood-Ridge, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$919	$156
NJM	$1096	$184
New Jersey Skylands Insurance	$1110	$189
Progressive	$1123	$189
Plymouth Rock	$1195	$201
Allstate	$1351	$227
Travelers	$1392	$234
State Farm	$1484	$250
Amica Mutual	$1555	$264
Selective	$1618	$270
Farmers	$1972	$336
National General	$1209	$206

Key Takeaways

Way's key takeaways about car insurance in Wood-Ridge

The auto insurance costs in Wood-Ridge fall around $919 for six months.
The cheapest auto insurance company in Wood-Ridge is New Jersey Manufacturers.
Teen drivers pay the highest rate in Wood-Ridge at $1255 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 Wood-Ridge

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 Wood-Ridge are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in Wood-Ridge. Their Average 6 Month Premium is $424. National General is the most expensive at $445 for the same period.

Cheapest Liability Coverage in Wood-Ridge, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$424	$70
Plymouth Rock	$531	$89
Progressive	$531	$89
NJM	$572	$96
New Jersey Skylands Insurance	$622	$104
State Farm	$630	$106
Amica Mutual	$637	$106
Travelers	$637	$107
Amica	$728	$121
Selective	$770	$131
Allstate	$791	$133
Farmers	$1279	$218
National General	$445	$76

Cheapest Full Coverage Car Insurance in Wood-Ridge

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 Wood-Ridge is New Jersey Manufacturers at $156 per month and $919 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wood-Ridge, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$919	$156
NJM	$1096	$184
New Jersey Skylands Insurance	$1110	$189
Progressive	$1123	$189
Plymouth Rock	$1195	$201
Allstate	$1351	$227
Travelers	$1392	$234
State Farm	$1484	$250
Amica Mutual	$1555	$264
Selective	$1618	$270
Farmers	$1972	$336
National General	$1209	$206

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Wood-Ridge Instantly!

Average Car Insurance in Wood-Ridge 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 Wood-Ridge, NJ increasing?

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

Car Insurance Premiums by Age in Wood-Ridge

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	$913
30s	NJM	$709
40s	NJM	$657
50s	NJM	$606
60s	NJM	$558

Cheapest Car Insurance Rates for Teen Drivers in Wood-Ridge,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 Wood-Ridge at $108 per month. At $7386 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	$637	$108
Selective	$798	$133
NJM	$1216	$205
New Jersey Manufacturers	$2106	$351
Travelers	$2948	$496
Plymouth Rock	$3159	$532
Allstate	$3167	$533
Progressive	$3450	$581
Amica Mutual	$3725	$633
State Farm	$4085	$688
Farmers	$7386	$1255

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 Wood-Ridge.

As young drivers face the highest rates in Wood-Ridge, NJM offers the cheapest auto insurance rates at $913 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 Wood-Ridge, Amica Mutual is the cheapest car insurance provider. At $777 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 Wood-Ridge is Farmers, offering rates of around $6672 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$777	$132
New Jersey Skylands Insurance	$976	$163
Foremost	$1089	$186
NJM	$1315	$221
Progressive	$1329	$224
Plymouth Rock	$1724	$290
Allstate	$2948	$501
Travelers	$4241	$707
State Farm	$6453	$1097
Farmers	$6672	$1113

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Wood-Ridge.

Car Insurance Rates with An Accident in Wood-Ridge

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 Wood-Ridge, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Wood-Ridge

The cheapest car insurance companies after an at-fault accident in Wood-Ridge include New Jersey Skylands Insurance and NJM, offering $750 and $770, respectively. National General is an expensive provider with an average six-month premium of $516.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$750	$125
NJM	$770	$130
New Jersey Manufacturers	$969	$162
Plymouth Rock	$976	$164
Selective	$1123	$187
Amica Mutual	$1202	$202
Progressive	$1498	$252
State Farm	$2291	$386
Travelers	$2417	$407
Allstate	$3371	$568
Farmers	$6086	$1014
National General	$516	$86

Wood-Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wood-Ridge NJ. For example, the car insurance in Wood-Ridge after a DUI increases to $1499 for a six month policy. While the rate increases by $206 for a six-month policy in the case of a speeding ticket.

Wood-Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1378	$230
One Med/PIP claim	$1385	$236
Not-at-fault accident	$1449	$242
One comp claim	$1464	$249
Two Med/PIP claims	$1471	$245
Speeding 6 - 10 MPH over limit	$1584	$269
Speeding 11 - 15 MPH over limit	$1591	$265
Two comp claims	$1591	$270
Failure to show documents	$1611	$269
At-fault accident - less than $1000	$1633	$277
Failure to wear a seat belt	$1654	$276
Driving too slowly	$1661	$282
Driving without lights	$1668	$278
Child safety restraint	$1697	$288
Driving with expired registration	$1697	$283
Wrong way/wrong lane	$1724	$293
Failure to yield	$1731	$289
Failure to stop at a red light	$1739	$295
Illegal turn	$1767	$295
Cell phone violation	$1789	$305
Texting while driving	$1789	$298
Speeding in school zone	$1817	$309
Operating a vehicle without permission	$1824	$303
Speeding 16 - 20 MPH over limit	$1824	$311
Improper passing	$1866	$311
Following too closely	$1873	$319
Passing school bus	$1950	$325
In 65 MPH zone	$1965	$334
Speeding 21 - 25 MPH over limit	$2029	$338
At-fault accident - $1000-$2000	$2085	$355
At-fault accident - greater than $2000	$2099	$350
Open container	$2347	$399
Reckless driving	$2750	$458
Leaving scene of an accident/hit and run	$2856	$486
DUI	$2877	$480
Refusal to submit to a chemical test	$2877	$489
Racing	$2885	$481
Driving with a suspended license	$2998	$509

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Wood-Ridge 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 Wood-Ridge.

The cheapest car insurance premiums in Wood-Ridge are offered by Plymouth Rock at $841 for a six-month policy. However, it can be as expensive as $6143 with companies like Amica Mutual.

Wood-Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$841	$142
NJM	$926	$156
Foremost	$954	$162
Progressive	$1075	$181
Mercury	$1103	$188
New Jersey Manufacturers	$1188	$198
Selective	$1258	$214
Allstate	$1796	$302
Travelers	$1873	$315
State Farm	$5464	$920
Farmers	$6051	$1029
Amica Mutual	$6143	$1023

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 Wood-Ridge are offered by Plymouth Rock at $770. However, it can be as expensive as $2785 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wood-Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$770	$130
NJM	$976	$164
Progressive	$1103	$186
State Farm	$1562	$265
Allstate	$2361	$394
Travelers	$2481	$422
Farmers	$2785	$464

Car Insurance Price Trends in Wood-Ridge, New Jersey

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

The average cost of full coverage in the Wood-Ridge rose by $293 in December compared to $289 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Wood-Ridge rose to $102 in December, compared to $99 in November. This represents an increase of $3 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Wood-Ridge?

The car insurance in Wood-Ridge is $70 per month, which is lower than the national average.

What is the cheapest car insurance in Wood-Ridge?

The cheapest car insurance in Wood-Ridge is $156 per month for full coverage.

How much is car insurance in Wood-Ridge for teenagers?

Car insurance for teenagers costs $637 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 Wood-Ridge?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $225 per month to insure your car in Wood-Ridge.

Is car insurance expensive in Wood-Ridge?

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

Cheapest Car Insurance Quotes in Wood-Ridge

Why you can trust Way?

How Much Is Car Insurance in Wood-Ridge

Avg. Car Insurance in Wood-Ridge

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in Wood-Ridge

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

Wood-Ridge Car Insurance Rates by Company

Cheap Car Insurance Companies in Wood-Ridge, NJ

Way's key takeaways about car insurance in Wood-Ridge

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Wood-Ridge

Cheapest Liability Coverage in Wood-Ridge, NJ

Cheapest Full Coverage Car Insurance in Wood-Ridge

Cheapest Full Coverage Car Insurance Quotes in Wood-Ridge, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Wood-Ridge by Rating Factor

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

Car Insurance Premiums by Age in Wood-Ridge

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Wood-Ridge,NJ

If you are in your twenties NJM is the best choice for car insurance in Wood-Ridge.

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 Wood-Ridge

Cheapest Car Insurance Companies after an At-Fault Accident in Wood-Ridge

Wood-Ridge Car Insurance Rates by Violation

Wood-Ridge auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Wood-Ridge after a DUI

Wood-Ridge car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Wood-Ridge after Speeding ticket

Car Insurance Price Trends in Wood-Ridge, New Jersey

Average Car Insurance Cost in Wood-Ridge by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Wood-Ridge, NJ

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

Featured Blogs

Data Sources