Compare Clayton, NJ Car Insurance Rates (2021)

Car insurance in Clayton, NJ averages $482 a month. Clayton, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Clayton car insurance rates, compare quotes from the top car insurance companies in Clayton, NJ.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest car insurance company in Clayton is GEICO
  • The cheapest car insurance company in Clayton for teen drivers is GEICO
  • Average car insurance rates in Clayton, NJ are $5,785/year

If you need to buy Clayton, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Clayton, NJ is right here.

You’ll find Clayton car insurance rates, the cheapest Clayton, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Clayton, New Jersey car insurance rates to Jersey City car insurance rates, Camden car insurance rates, and Paterson car insurance rates.

Ready to find affordable Clayton, NJ car insurance today? Enter your ZIP code for fast, free Clayton car insurance quotes.

Cheapest Clayton, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Clayton, NJ car insurance rates? Every Clayton, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Clayton, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,350 $3,334 $3,256 $3,256 $10,525 $12,857 $3,940 $4,052
Farmers $5,092 $5,133 $4,971 $4,834 $14,624 $16,774 $6,020 $6,042
GEICO $2,315 $2,272 $2,258 $2,258 $4,192 $4,179 $2,660 $2,588
Liberty Mutual $4,456 $4,456 $4,892 $4,892 $11,485 $13,025 $4,892 $5,608
Progressive $2,176 $1,997 $1,960 $2,036 $9,729 $10,516 $2,563 $2,393
State Farm $5,195 $5,195 $4,714 $4,714 $17,199 $22,075 $5,935 $6,627
Travelers $3,291 $3,171 $3,055 $3,069 $7,330 $8,205 $3,176 $3,128

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Clayton, NJ

Every driver must carry the minimum car insurance in Clayton, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Clayton, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Clayton, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Clayton, NJ. Compare credit history car insurance rates in Clayton from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Clayton, New Jersey

Insurance Company Poor Fair Good
Allstate $7,768 $4,998 $3,949
Farmers $9,530 $7,353 $6,926
GEICO $4,280 $2,460 $1,781
Liberty Mutual $8,507 $6,308 $5,325
Progressive $4,696 $4,074 $3,744
State Farm $12,978 $7,811 $6,081
Travelers $5,816 $4,232 $2,860

Cheapest Clayton, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Clayton, NJ to rates for a clean record with top companies.

Annual Clayton, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,174 $6,961 $6,068 $5,081
Farmers $6,171 $10,419 $8,529 $6,626
GEICO $2,207 $2,904 $4,042 $2,207
Liberty Mutual $6,447 $7,380 $6,579 $6,447
Progressive $3,551 $4,846 $4,109 $4,180
State Farm $4,849 $8,863 $14,267 $7,847
Travelers $3,300 $4,933 $4,757 $4,221

Cheapest Clayton, NJ Car Insurance for Teen Drivers

Teen car insurance in Clayton, NJ can be expensive. Take a look at rates from the top car insurance companies in Clayton for teenagers.

Annual Car Insurance Rates for Teen Drivers in Clayton, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,525 $12,857
Farmers $14,624 $16,774
GEICO $4,192 $4,179
Liberty Mutual $11,485 $13,025
Progressive $9,729 $10,516
State Farm $17,199 $22,075
Travelers $7,330 $8,205

Cheapest Clayton, NJ Car Insurance for Seniors

Take a look at Clayton, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Clayton, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,256 $3,256
Farmers $4,971 $4,834
GEICO $2,258 $2,258
Liberty Mutual $4,892 $4,892
Progressive $1,960 $2,036
State Farm $4,714 $4,714
Travelers $3,055 $3,069

Cheapest Clayton, NJ Car Insurance Rates After a DUI

A DUI in Clayton, NJ increases car insurance rates. Compare Clayton, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Clayton, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,068
Farmers $8,529
GEICO $4,042
Liberty Mutual $6,579
Progressive $4,109
State Farm $14,267
Travelers $4,757

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Clayton, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Clayton, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Clayton, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,561 $5,581
Farmers $7,936 $7,936
GEICO $2,817 $2,864
Liberty Mutual $6,648 $6,778
Progressive $4,171 $4,171
State Farm $8,720 $9,194
Travelers $4,303 $4,303

Cheapest Clayton, NJ Car Insurance Rates by ZIP Code

Clayton car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Clayton, NJ.

Annual Car Insurance Rates by ZIP Code in Clayton, New Jersey

ZIP Code Average Annual Rates
8094 $5,444
8312 $5,446

The Best Cheap Car Insurance Companies in Clayton, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Clayton, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Clayton, New Jersey

Insurance Company Average Annual Rates
Allstate $5,571
Farmers $7,936
GEICO $2,840
Liberty Mutual $6,713
Progressive $4,171
State Farm $8,957
Travelers $4,303

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Clayton, New Jersey

Find the cheapest car insurance companies in Clayton, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Clayton, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI GEICO
With 1 Speeding Violation GEICO

Cheapest Clayton, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Clayton car insurance rates. Find the cheapest Clayton, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Clayton, New Jersey

Insurance Company Low Medium High
Allstate $5,120 $5,656 $5,938
Farmers $7,067 $7,871 $8,871
GEICO $2,542 $2,894 $3,084
Liberty Mutual $5,975 $6,924 $7,241
Progressive $3,762 $4,235 $4,516
State Farm $8,270 $9,082 $9,517
Travelers $3,926 $4,300 $4,682

What affects car insurance rates in Clayton, New Jersey?

What factors can have an impact on Clayton, NJ car insurance? There are several reasons why Clayton car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Clayton, New Jersey.

Commute Time in Clayton

The more time you spend in your car the higher the risk of an accident. The average commute length in Clayton, NJ is 36.7 minutes according to City-Data.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Clayton, NJ

Ready to find affordable Clayton, New Jersey car insurance today? Enter your ZIP code for fast, free Clayton, NJ car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption