Compare Ridgewood, NJ Car Insurance Rates (2021)

Car insurance in Ridgewood, NJ averages $431 a month. Ridgewood, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Ridgewood car insurance rates, compare quotes from the top car insurance companies in Ridgewood, 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

  • Average car insurance rates in Ridgewood, NJ are $5,168/year
  • The cheapest car insurance company in Ridgewood is GEICO
  • The cheapest car insurance company in Ridgewood for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Ridgewood, NJ car insurance rates? Every Ridgewood, 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 Ridgewood, 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 $3,553 $3,535 $3,457 $3,457 $11,192 $13,576 $4,192 $4,283
Farmers $4,146 $4,181 $4,037 $3,962 $12,160 $13,994 $4,935 $5,050
GEICO $2,235 $2,199 $2,187 $2,187 $4,098 $4,116 $2,575 $2,518
Liberty Mutual $4,053 $4,053 $4,449 $4,449 $10,533 $11,961 $4,449 $5,113
Progressive $1,823 $1,682 $1,645 $1,705 $7,996 $8,680 $2,142 $2,018
State Farm $4,290 $4,290 $3,887 $3,887 $14,083 $18,075 $4,892 $5,467
Travelers $2,945 $2,891 $2,734 $2,784 $6,899 $7,924 $2,899 $2,898

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Minimum Car Insurance in Ridgewood, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,248 $5,305 $4,164
Farmers $7,780 $6,118 $5,776
GEICO $4,163 $2,395 $1,735
Liberty Mutual $7,764 $5,764 $4,870
Progressive $3,883 $3,383 $3,118
State Farm $10,647 $6,422 $5,007
Travelers $5,317 $3,940 $2,733

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

Annual Ridgewood, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,415 $7,370 $6,454 $5,382
Farmers $5,080 $8,618 $7,018 $5,517
GEICO $2,152 $2,826 $3,928 $2,152
Liberty Mutual $5,891 $6,734 $6,014 $5,891
Progressive $2,965 $4,001 $3,410 $3,471
State Farm $4,000 $7,281 $11,703 $6,451
Travelers $3,078 $4,538 $4,413 $3,958

Cheapest Ridgewood, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,192 $13,576
Farmers $12,160 $13,994
GEICO $4,098 $4,116
Liberty Mutual $10,533 $11,961
Progressive $7,996 $8,680
State Farm $14,083 $18,075
Travelers $6,899 $7,924

Cheapest Ridgewood, NJ Car Insurance for Seniors

Take a look at Ridgewood, 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 Ridgewood, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,457 $3,457
Farmers $4,037 $3,962
GEICO $2,187 $2,187
Liberty Mutual $4,449 $4,449
Progressive $1,645 $1,705
State Farm $3,887 $3,887
Travelers $2,734 $2,784

Cheapest Ridgewood, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,454
Farmers $7,018
GEICO $3,928
Liberty Mutual $6,014
Progressive $3,410
State Farm $11,703
Travelers $4,413

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Cheapest Ridgewood, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,894 $5,917
Farmers $6,558 $6,558
GEICO $2,741 $2,787
Liberty Mutual $6,073 $6,192
Progressive $3,461 $3,461
State Farm $7,170 $7,548
Travelers $3,997 $3,997

The Best Cheap Car Insurance Companies in Ridgewood, NJ

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

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

Insurance Company Average Annual Rates
Allstate $5,905
Farmers $6,558
GEICO $2,764
Liberty Mutual $6,132
Progressive $3,461
State Farm $7,359
Travelers $3,997

Category Winners: Cheapest Car Insurance in Ridgewood, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $5,460 $5,991 $6,266
Farmers $5,889 $6,536 $7,250
GEICO $2,470 $2,821 $3,002
Liberty Mutual $5,487 $6,317 $6,593
Progressive $3,143 $3,521 $3,720
State Farm $6,841 $7,455 $7,781
Travelers $3,641 $3,999 $4,350

What affects car insurance rates in Ridgewood, New Jersey?

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

Commute Time in Ridgewood

The more time you spend in your car the higher the risk of an accident. The average commute length in Ridgewood, NJ is 41.0 minutes according to City-Data.

Compare Car Insurance Quotes in Ridgewood, NJ

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

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