Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.
Get Cheap Car Insurance in Hopatcong, NJ
We monitor insurance prices, helping the average driver in Hopatcong save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Hopatcong
The chart below shows the cheapest car insurance company in Hopatcong for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| Hopatcong Insurer | Monthly Cost |
|---|---|
| State Farm | $59 |
| Geico | $61 |
| Plymouth Rock Assurance | $75 |
| NJM | $89 |
Savings for Every Kind of Hopatcong Driver
Based on our extensive insurance data, we know the average Hopatcong driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $463 per year by choosing the right vehicle insurance company. Some Hopatcong residents are paying out over $1,765 extra every year for auto insurance in Hopatcong. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Hopatcong, NJ Savings / Yr. |
|---|---|
$463 |
|
$858 |
|
$659 |
|
$569 |
|
$2,283 |
|
$445 |
|
$692 |
Hopatcong Car Insurance vs. New Jersey
People living in Hopatcong pay an average of 2.79% less than the typical driver in the state. The average driver in Hopatcong can expect to pay about $1,053 per year, or $1,765 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Hopatcong for most people.
Car Insurance Prices by Hopatcong Neighborhood
Insurance Prices
Where is insurance cheapest within Hopatcong?
The map shows insurance prices in and around Hopatcong, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $187 per year within the city boundaries, with insurance premiums ranging from a high of $1,862 to a low of $1,675. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the Northwest parts of Hopatcong.Pick the Best Car Insurance Company for You in Hopatcong
The best car insurance provider for most drivers in Hopatcong
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $463 over the average Hopatcong car insurance company.
The best car insurance provider for Hopatcong drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $858 over the competition.
The best car insurance company for Hopatcong drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $659 better than other car insurance companies.
The best auto insurance for Hopatcong drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $569 less each year.
The least expensive car insurance company for new and young drivers in Hopatcong
In Hopatcong, Geico costs young drivers $2,283 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Hopatcong
Geico gave the largest car insurance discounts to married couples, averaging $445 saved each year compared to an average Hopatcong couple's premiums.
The cheapest car insurance in Hopatcong for drivers with bad credit
The best Hopatcong car insurance company for customer service
Recent price drops
In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Hopatcong, which was better than other insurers.
The cheapest large national provider in Hopatcong
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Hopatcong driver can expect to pay about $112 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Hopatcong, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Hopatcong
What Influences the Cost of Car Insurance in Hopatcong?
On average, car insurance in Hopatcong is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Hopatcong are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- Hopatcong is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Hopatcong is $88 per month for minimum coverage and $147 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Landing: Insurance costs 2.27% more
- Mount Arlington: Insurance costs 0.23% less
- Lake Hopatcong: Insurance costs 1.36% less
- Netcong: Insurance costs 1.36% less
- Hurdtown: Insurance costs 3.74% less
- Stanhope: Insurance costs 1.53% less
- Ledgewood: Insurance costs 2.32% less
- Mount Hope: Insurance costs 0.17% more
- Kenvil: Insurance costs 0.96% less
- Wharton: Insurance costs 5.61% more
Cities with Similar Populations
- Signal Mountain: Insurance costs 23.12% less
- Snyder: Insurance costs 4.02% less
- Snoqualmie: Insurance costs 15.01% less
- Smithville: Insurance costs 0.79% more
- Smithfield: Insurance costs 22.78% less
- Smithfield: Insurance costs 23.46% more
- Silverton: Insurance costs 13.43% less
- Silsbee: Insurance costs 4.31% less
- Siler City: Insurance costs 27.88% less
- Somerset: Insurance costs 22.95% less