Compare Montclair, NJ Car Insurance Rates (2021)

Car insurance in Montclair, NJ averages $502 a month. Montclair, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Montclair car insurance rates, compare quotes from the top car insurance companies in Montclair, NJ.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Montclair for teen drivers is GEICO
  • Average car insurance rates in Montclair, NJ are $6,029/year
  • The cheapest car insurance company in Montclair is GEICO

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

You’ll find Montclair car insurance rates, the cheapest Montclair, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Montclair, New Jersey car insurance rates to Elizabeth car insurance rates, Trenton car insurance rates, and Union City car insurance rates.

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

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

How do age, gender, and marital status affect Montclair, NJ car insurance rates? Every Montclair, 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 Montclair, 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 $3,657 $3,639 $3,551 $3,551 $11,542 $14,084 $4,306 $4,423
Farmers $4,969 $5,018 $4,833 $4,743 $14,748 $16,998 $5,927 $6,082
GEICO $2,301 $2,258 $2,245 $2,245 $4,187 $4,203 $2,642 $2,587
Liberty Mutual $5,277 $5,277 $5,801 $5,801 $13,827 $15,708 $5,801 $6,676
Progressive $2,032 $1,884 $1,839 $1,882 $9,348 $10,337 $2,410 $2,323
State Farm $5,086 $5,086 $4,604 $4,604 $16,771 $21,538 $5,805 $6,489
Travelers $3,379 $3,316 $3,136 $3,187 $7,896 $9,101 $3,321 $3,320

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Minimum Car Insurance in Montclair, NJ

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

Minimum Required Car Insurance Coverage in Montclair, 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 Montclair, NJ Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $8,499 $5,476 $4,308
Farmers $9,406 $7,376 $6,963
GEICO $4,270 $2,454 $1,777
Liberty Mutual $10,179 $7,533 $6,351
Progressive $4,471 $3,919 $3,630
State Farm $12,673 $7,630 $5,941
Travelers $6,125 $4,506 $3,114

Cheapest Montclair, 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 Montclair, NJ to rates for a clean record with top companies.

Annual Montclair, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,560 $7,607 $6,653 $5,556
Farmers $6,117 $10,431 $8,456 $6,654
GEICO $2,203 $2,897 $4,031 $2,203
Liberty Mutual $7,701 $8,819 $7,863 $7,701
Progressive $3,460 $4,619 $3,934 $4,014
State Farm $4,738 $8,655 $13,935 $7,664
Travelers $3,518 $5,198 $5,085 $4,526

Cheapest Montclair, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,542 $14,084
Farmers $14,748 $16,998
GEICO $4,187 $4,203
Liberty Mutual $13,827 $15,708
Progressive $9,348 $10,337
State Farm $16,771 $21,538
Travelers $7,896 $9,101

Cheapest Montclair, NJ Car Insurance for Seniors

Take a look at Montclair, 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 Montclair, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,551 $3,551
Farmers $4,833 $4,743
GEICO $2,245 $2,245
Liberty Mutual $5,801 $5,801
Progressive $1,839 $1,882
State Farm $4,604 $4,604
Travelers $3,136 $3,187

Cheapest Montclair, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,653
Farmers $8,456
GEICO $4,031
Liberty Mutual $7,863
Progressive $3,934
State Farm $13,935
Travelers $5,085

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Cheapest Montclair, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,083 $6,106
Farmers $7,915 $7,915
GEICO $2,810 $2,857
Liberty Mutual $7,942 $8,100
Progressive $4,007 $4,007
State Farm $8,521 $8,974
Travelers $4,582 $4,582

The Best Cheap Car Insurance Companies in Montclair, NJ

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

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

Insurance Company Average Annual Rates
Allstate $6,094
Farmers $7,915
GEICO $2,834
Liberty Mutual $8,021
Progressive $4,007
State Farm $8,748
Travelers $4,582

Category Winners: Cheapest Car Insurance in Montclair, New Jersey

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

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

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

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Cheapest Montclair, NJ Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,627 $6,183 $6,473
Farmers $7,121 $7,879 $8,745
GEICO $2,518 $2,892 $3,091
Liberty Mutual $7,213 $8,257 $8,593
Progressive $3,606 $4,075 $4,339
State Farm $8,128 $8,862 $9,254
Travelers $4,131 $4,578 $5,036

What affects car insurance rates in Montclair, New Jersey?

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

Commute Time in Montclair

The more time you spend in your car the higher the risk of an accident. The average commute length in Montclair, NJ is 44.1 minutes according to City-Data.

Compare Car Insurance Quotes in Montclair, NJ

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

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