Compare Ridgefield, NJ Car Insurance Rates (2021)

Car insurance in Ridgefield, NJ averages $616 a month. Ridgefield, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Ridgefield car insurance rates, compare quotes from the top car insurance companies in Ridgefield, NJ.

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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.

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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

  • Average car insurance rates in Ridgefield, NJ are $7,392/year
  • Average car insurance rates in Ridgefield, NJ after a DUI are $8,839/year
  • The cheapest car insurance company in Ridgefield is GEICO

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

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

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

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

How do age, gender, and marital status affect Ridgefield, NJ car insurance rates? Every Ridgefield, 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 Ridgefield, 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 $5,004 $4,980 $4,877 $4,877 $15,830 $19,120 $5,922 $6,033
Farmers $6,527 $6,581 $6,373 $6,192 $18,886 $21,672 $7,729 $7,746
GEICO $3,022 $2,982 $2,968 $2,968 $5,584 $5,484 $3,507 $3,362
Liberty Mutual $4,986 $4,986 $5,478 $5,478 $12,923 $14,664 $5,478 $6,288
Progressive $2,677 $2,454 $2,407 $2,495 $12,317 $13,375 $3,170 $2,972
State Farm $6,404 $6,404 $5,814 $5,814 $21,375 $27,437 $7,328 $8,188
Travelers $4,328 $4,133 $4,020 $4,014 $9,540 $10,640 $4,133 $4,037

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Minimum Car Insurance in Ridgefield, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $11,700 $7,445 $5,847
Farmers $12,293 $9,451 $8,896
GEICO $5,661 $3,225 $2,318
Liberty Mutual $9,558 $7,078 $5,969
Progressive $5,891 $5,111 $4,698
State Farm $16,098 $9,670 $7,518
Travelers $7,666 $5,502 $3,649

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

Annual Ridgefield, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,207 $10,443 $9,085 $7,586
Farmers $7,925 $13,436 $10,986 $8,507
GEICO $2,889 $3,820 $5,340 $2,889
Liberty Mutual $7,234 $8,287 $7,384 $7,234
Progressive $4,455 $6,087 $5,150 $5,242
State Farm $5,986 $10,981 $17,698 $9,717
Travelers $4,271 $6,454 $6,234 $5,463

Cheapest Ridgefield, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $15,830 $19,120
Farmers $18,886 $21,672
GEICO $5,584 $5,484
Liberty Mutual $12,923 $14,664
Progressive $12,317 $13,375
State Farm $21,375 $27,437
Travelers $9,540 $10,640

Cheapest Ridgefield, NJ Car Insurance for Seniors

Take a look at Ridgefield, 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 Ridgefield, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,877 $4,877
Farmers $6,373 $6,192
GEICO $2,968 $2,968
Liberty Mutual $5,478 $5,478
Progressive $2,407 $2,495
State Farm $5,814 $5,814
Travelers $4,020 $4,014

Cheapest Ridgefield, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $9,085
Farmers $10,986
GEICO $5,340
Liberty Mutual $7,384
Progressive $5,150
State Farm $17,698
Travelers $6,234

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Cheapest Ridgefield, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $8,315 $8,346
Farmers $10,213 $10,213
GEICO $3,702 $3,767
Liberty Mutual $7,462 $7,608
Progressive $5,233 $5,233
State Farm $10,799 $11,392
Travelers $5,605 $5,605

The Best Cheap Car Insurance Companies in Ridgefield, NJ

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

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

Insurance Company Average Annual Rates
Allstate $8,330
Farmers $10,213
GEICO $3,734
Liberty Mutual $7,535
Progressive $5,233
State Farm $11,095
Travelers $5,605

Category Winners: Cheapest Car Insurance in Ridgefield, New Jersey

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

Best Annual Car Insurance Rates by Company in Ridgefield, 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 Ridgefield, NJ Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $7,626 $8,463 $8,902
Farmers $9,084 $10,124 $11,431
GEICO $3,296 $3,812 $4,096
Liberty Mutual $6,744 $7,763 $8,098
Progressive $4,700 $5,316 $5,684
State Farm $10,230 $11,253 $11,803
Travelers $5,061 $5,594 $6,160

What affects car insurance rates in Ridgefield, New Jersey?

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

Commute Time in Ridgefield

The more time you spend in your car the higher the risk of an accident. The average commute length in Ridgefield, NJ is 32.3 minutes according to City-Data.

Compare Car Insurance Quotes in Ridgefield, NJ

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

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