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Cheap Auto Insurance Quotes in Clifton, NJ (2023)
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Written by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Edited by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated August 31, 2022
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Car Insurance in Clifton, NJ
The average cost of New Jersey car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Clifton, NJ to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Clifton is $272 per month, or $3264 annually.
Car insurance in Clifton is $32 more than the average cost of car insurance in New Jersey.
The cheapest car insurance provider in Clifton on average is Plymouth Rock, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$90
Liberty Mutual$220
Travelers$255
State Farm$318
See More:
Cheapest Car Insurance in Clifton, NJ
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Clifton | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Progressive | $90 /mo |
| Liberty Mutual | $220 /mo |
| Travelers | $255 /mo |
| State Farm | $318 /mo |
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Average Car Insurance Cost
| New Jersey Cities | |
|---|---|
| Newark | $317/mo |
| Jersey City | $303/mo |
| Paterson | $304/mo |
| Elizabeth | $294/mo |
| Clifton | $221/mo |
| New Jersey | $288/mo |
Clifton$221
Average for NJ$288
Elizabeth$294
Jersey City$303
Paterson$304
Newark$317
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in New Jersey
All motor vehicles operated or parked on New Jersey roadways are required to be insured with either a basic or standard insurance plan. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
Where the basic plan only requires $5,000 per accident of property damage liability insurance, the minimum liability insurance requirements for a standard plan in New Jersey[1] are:
$15,000 per person for bodily injury
$30,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. New Jersey is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.
$5,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
$15,000per person for uninsured underinsured motorist bodily injury
$30,000 per accident for uninsured/underinsured motorist bodily injury
$5,000 per accident for uninsured/underinsured motorist property damage
Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In Massachusetts, drivers are required to purchase this coverage for bodily injuries.
Find local Clifton agents
Groendyke Associates
295 Route 513,
Califon, NJ 07830W. C. Horton Agency
PO Box 457,
Califon, NJ 07830-0457Farmers Insurance - Hector Casillas
208B Lakeview Ave,
Clifton, NJ 07011Sadowski Insurance Agency
258 Dayton Ave,
Clifton, NJ 07011nnovate Insurance Agency, Inc.
521 Van Houten Ave Ste 1B,
Clifton, NJ 07013Farmers Insurance - Hector Casillas
208B Lakeview Ave,
Clifton, NJ 07011Yini & Associates
1184 Main Ave #100,
Clifton, NJ 07011Karabulut and Co Insurance Agency LLC
318 Clifton Ave,
Clifton, NJ 07011Timothy K Brown: Allstate Insurance
Styertowne Mall,
34 Styertowne Rd, Clifton, NJ 07012Cupo Insurance Agency
50 Mt Prospect Ave,
Clifton, NJ 07013
For more detailed New Jersey city level guides, check out these below.
FAQs - Clifton, NJ Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.
Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
Insurify Insights
How Clifton Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Clifton, New Jersey below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Clifton drivers measure up to their fellow motorists across New Jersey in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Civic
Most Popular Car in Clifton
#87
City with the Most Speeding Tickets Rank in New Jersey
#59
City with the Most Moving Violations Rank in New Jersey
#6
City with the Most DUIs Rank in New Jersey
#28
City with the Most Suspended Licenses in New Jersey
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Clifton drivers rank 76 in the number of car accidents per driver across all cities in New Jersey.
- Rank within state: #76
- Percent of drivers in Clifton with an accident: 7%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Clifton drivers rank 6 in the number of DUI’s per driver across all cities in New Jersey.
- Rank within state: #6
- Percent of drivers in Clifton with a DUI: 1.9%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in New Jersey, Clifton drivers rank 24 in the number of reckless driving offenses per driver.
- Rank within state: #24
- Percent of drivers in Clifton with a reckless driving offense: 2%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in New Jersey, Clifton drivers rank 12 in rude driving infractions.
- Rank within state: #12
- Percent of drivers in Clifton with a reckless driving violation: 3%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in New Jersey, Clifton drivers rank 87 in the number of speeding infractions per driver.
- Rank within state: #87
- Percent of drivers in Clifton with a speeding ticket: 3.5%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Clifton drivers rank 34 in clean driving records across all cities in New Jersey.
- Rank within state: #34
- Percent of drivers in Clifton with clean record: 80.2%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Clifton drivers rank 23 in hybrid and electric vehicle ownership across all cities in New Jersey.
- Rank within state: #23
- Percent of drivers in Clifton with a hybrid/electric vehicle: 1.89%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- New Jersey Department of Banking and Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
