Average car insurance cost in Clifton, NJ

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The average car insurance cost in Clifton, New Jersey is $2,344 per year, according to Insure.com data analysis. Also, the car insurance rates in Clifton is $442 more than the average rates in New Jersey and $449 more than the national average.

Most insurance providers consider factors such as location, city demographics, population density, and average resident age, accident rates, theft and vandalism rates while determining your car insurance premium. This may lead to either lower or higher costs compared to other regions.

This article provides details on the most and least expensive car insurance companies in Clifton, the average car insurance rates categorized by age and gender, and the cost of car insurance in Clifton based on coverage limits. Whether you’re a new driver or an experienced driver, this article will help you find the most cost-effective auto insurance in Clifton. Read on to learn more.

Cheap car insurance companies in Clifton

At an average of $1,451 per year with full coverage limits of 100/300/100, NJM provides the most affordable car insurance in Clifton.

Ranked as the second most affordable company in Clifton, Geico provides car insurance at $1,940 per year.

As previously noted, car insurance rates differ among companies due to variations in the factors used for calculating the rates. So, it is best to compare quotes from several insurers to secure affordable car insurance rates in Clifton that align with your needs before selecting a policy.

The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Clifton, New Jersey:

Read about the best car insurance companies.

Average car insurance cost in Clifton by coverage limits

The average car insurance rates in Clifton by coverage type are as follows:

• State minimum coverage: $1,163 per year (limits of 25/50/25)
• Liability-only coverage: $1,235 per year (limits of 50/100/50)
• Full coverage: $2,344 per year (limits of 100/300/100)
• Non-owners coverage: $513 per year

In many states, drivers are legally required to maintain state minimum coverage. However, these requirements vary by state. However, the state minimum coverage does not protect vehicles listed on your policy in an at-fault accident.

It’s advisable to choose full coverage to avoid the risk of inadequate coverage and out-of-pocket expenses. You can also choose non-owners coverage if you often borrow or rent vehicles and don’t own one yourself.

Average car insurance rates by gender in Clifton

The average car insurance per year for female drivers in Clifton, New Jersey, is $2,345.

Whereas the yearly average car insurance rate for male drivers is $2,344, which is $1 less than what female drivers pay.

According to the Insurance Information Institute, women are considered to be safer drivers than men, and statistics have proved this. They often enjoy lower auto insurance premiums due to their lower incidence of severe accidents compared to men.

Read more on how gender affects car insurance rates.

Average car insurance rates by age in Clifton

Car insurance rates in Clifton, are highest for teens at $7,059 per year or $588 per month. According to the Insurance Information Institute, the rates are higher for teens (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road. To address this, there are specific driving laws for teens to help them drive better. Additionally, parents can potentially reduce teen insurance rates by adding them to their existing auto insurance policy.

As teens age and build a positive driving history, it’s common for car insurance rates to decline. Young adults typically pay $3,596 annually for their car insurance, which is $3,463 less than what teens pay for their insurance coverage.

In Clifton, adult drivers pay an average of $2,337 per year for car insurance, while senior drivers pay $2,262 annually.

The rates for adults and seniors are notably lower compared to the rates for teens and young adults as they are more likely to obey the speed limits and follow the rules of the road, as per the Insurance Information Institute.

Read more on auto insurance for seniors.

The table below depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Clifton

Examining the trends in car insurance rates in Clifton, New Jersey it was on an downward swing from 2022 to 2023. From 2022 to 2023 rates decrease overall by 2%, or $53.

The table below shows the trend for last four years:

Conclusion

In conclusion, the insurance rates in Clifton, are higher than the average insurance cost in New Jersey. Shopping around and taking advantage of available discounts, drivers in Clifton can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.

Sources

• Insurance Information Institute. “What determines the price of my auto insurance policy,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

Methodology

Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.