Cheapest Car Insurance Quotes in Wood-Ridge

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Wood-Ridge Car Insurance

^$ 73

/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 $1473 for a six-month policy, which is $235 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

$1473

Avg. Car Insurance in New Jersey

$1238

National Average

$1278

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: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $1110 for a six-month policy, making it one of the cheapest to insure with.

3rd place: NJM

NJM offers auto insurance rates at $1123 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 New Jersey Skylands Insurance, which has an average six-month premium of $1110.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2453 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	$154
New Jersey Skylands Insurance	$1110	$189
NJM	$1123	$189
Plymouth Rock	$1223	$206
Progressive	$1286	$217
Travelers	$1371	$231
Amica Mutual	$1555	$259
Allstate	$1604	$270
State Farm	$1731	$292
Selective	$1830	$308
Farmers	$2453	$409

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 $1245 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. Farmers is the most expensive at $1223 for the same period.

Cheapest Liability Coverage in Wood-Ridge, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$424	$73
Plymouth Rock	$572	$96
NJM	$587	$99
New Jersey Skylands Insurance	$622	$104
Amica Mutual	$637	$108
Amica	$728	$121
Progressive	$728	$123
Travelers	$750	$126
State Farm	$784	$132
Allstate	$870	$146
Selective	$969	$163
Farmers	$1223	$203

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 $154 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	$154
New Jersey Skylands Insurance	$1110	$189
NJM	$1123	$189
Plymouth Rock	$1223	$206
Progressive	$1286	$217
Travelers	$1371	$231
Amica Mutual	$1555	$259
Allstate	$1604	$270
State Farm	$1731	$292
Selective	$1830	$308
Farmers	$2453	$409

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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 $7323 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
NJM	$1272	$214
New Jersey Manufacturers	$2106	$358
Travelers	$2969	$500
Selective	$3217	$541
Plymouth Rock	$3337	$562
Amica Mutual	$3725	$633
Allstate	$4044	$681
Progressive	$4085	$688
State Farm	$4842	$815
Farmers	$7323	$1245

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 State Farm, offering rates of around $8603 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	$1364	$230
Progressive	$1753	$295
Plymouth Rock	$1810	$305
Farmers	$3251	$553
Selective	$3760	$627
Travelers	$4015	$683
Allstate	$4205	$701
State Farm	$8603	$1463

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 $798, respectively. Farmers is an expensive provider with an average six-month premium of $4750.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$750	$125
NJM	$798	$134
New Jersey Manufacturers	$969	$162
Plymouth Rock	$1010	$170
Amica Mutual	$1202	$202
Progressive	$1690	$284
Selective	$2291	$386
Travelers	$2347	$395
State Farm	$2714	$457
Allstate	$4241	$714
Farmers	$4750	$791

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

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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 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 $870 for a six-month policy. However, it can be as expensive as $6496 with companies like State Farm.

Wood-Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$870	$146
Foremost	$954	$159
NJM	$962	$162
Mercury	$1103	$183
New Jersey Manufacturers	$1188	$202
Progressive	$1209	$203
Travelers	$1824	$307
Allstate	$2184	$368
Selective	$2686	$452
Farmers	$3096	$516
Amica Mutual	$6143	$1045
State Farm	$6496	$1094

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 $806. However, it can be as expensive as $4157 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	$806	$136
NJM	$1025	$173
Progressive	$1414	$238
Selective	$2036	$339
State Farm	$2063	$351
Travelers	$2368	$395
Allstate	$3450	$587
Farmers	$4157	$693

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 $345 in January compared to $293 of December. In other words, there has been an increase by $52 when you compare January and December.

The average cost of liability insurance in the Wood-Ridge rose to $115 in January, compared to $102 in December. This represents an increase of $13 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Wood-Ridge?

The car insurance in Wood-Ridge is $73 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 $154 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 $1238 for a six-month policy. It will cost around $248 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: New Jersey Skylands Insurance

3rd place: NJM

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)

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