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Get Cheap Car Insurance in Mount Hermon, NJ

We monitor insurance prices, helping the average driver in Mount Hermon save up to 37.9% on car insurance.

 

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The Cheapest Minimum Coverage in Mount Hermon

The chart below shows the cheapest car insurance company in Mount Hermon 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.

 
Mount Hermon Insurer Monthly Cost
State Farm $55
Geico $57
Plymouth Rock Assurance $70
NJM $83

Savings for Every Kind of Mount Hermon Driver

The table shows how much the average auto insurance customer in Mount Hermon might save by following our recommendations.

Based on our extensive insurance data, we know the average Mount Hermon 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 $435 per year by choosing the right vehicle insurance company. Some Mount Hermon residents are paying out over $1,660 extra every year for auto insurance in Mount Hermon. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Mount Hermon, NJ Savings / Yr.
Drivers with good records
$435
Drivers with accidents
$807
Drivers with speeding tickets
$620
Drivers with a DUI conviction
$535
Young drivers
$2,148
Married drivers
$419
Drivers with bad credit
$651

Mount Hermon Car Insurance vs. New Jersey

People living in Mount Hermon pay an average of 8.58% less than the typical driver in the state. The average driver in Mount Hermon can expect to pay about $990 per year, or $1,660 for full coverage.

Based on our analysis, Geico will be the cheapest provider in Mount Hermon for most people.

Car Insurance Prices by Mount Hermon Neighborhood

Mount Hermon, NJ map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Mount Hermon?

The map shows insurance prices in and around Mount Hermon, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $2 per year within the city boundaries, with insurance premiums ranging from a high of $1,661 to a low of $1,659. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Southwest parts of Mount Hermon.

Pick the Best Car Insurance Company for You in Mount Hermon

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Mount Hermon insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Mount Hermon

For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $435 over the average Mount Hermon car insurance company.

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We use the average good driver, paying $102 per month, as our baseline for pricing in Mount Hermon. Geico, NJM, and Plymouth Rock Assurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Mount Hermon drivers with accidents on their records

In Mount Hermon getting into an accident will raise premiums an average 35% for a yearly cost of $2,567. That's $907 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, Geico, NJM, and Plymouth Rock Assurance are good choices for drivers with accidents.

In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $807 over the competition.

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The best car insurance company for Mount Hermon drivers with speeding tickets

>Geico gave the average person with a speeding ticket the most savings, averaging $620 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Mount Hermon, tickets raise premiums on new quotes about $353. If you have a speeding ticket, we recommend State Farm, Geico, and Plymouth Rock Assurance for savings that beat the average insurance cost of $2,013 per year.

The best auto insurance for Mount Hermon drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,269 per year in auto insurance premiums, which was $609 more than a driver with no major issues. Geico, Progressive, and NJM penalized their customers the least for a DUI.

Getting a quote from NJM may cost the average person with a DUI about $535 less each year.

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The least expensive car insurance company for new and young drivers in Mount Hermon

In Mount Hermon, Geico costs young drivers $2,148 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 71% more for insurance than more mature drivers in Mount Hermon. With an average cost of $5,662 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and NJM try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Mount Hermon

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $63. State Farm, Geico, and Plymouth Rock Assurance provided the largest discounts to couples living in Mount Hermon.

Geico gave the largest car insurance discounts to married couples, averaging $419 saved each year compared to an average Mount Hermon couple's premiums.

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The cheapest car insurance in Mount Hermon for drivers with bad credit

People with poor credit saved an average of $651 with NJM.

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Many people are surprised that their poor credit score can cost them an average of $988 every year. Premiums for people with poor credit were about $2,649 in Mount Hermon. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Progressive, and NJM.

The best Mount Hermon car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Mount Hermon, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks NJM as the best provider in Mount Hermon.

Nationwide was the best company for customer service in Mount Hermon according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Mount Hermon, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Mount Hermon. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Mount Hermon

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 14% of Mount Hermon residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Geico tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Mount Hermon driver can expect to pay about $112 per month.

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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 Mount Hermon, USAA has the best prices for none of the categories above.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Mount Hermon

What Influences the Cost of Car Insurance in Mount Hermon?

On average, car insurance in Mount Hermon 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:

  • The average commute time in Mount Hermon is 44 minutes, which is a little more than average for a driver in the state.
  • 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 Mount Hermon are lower than 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.
  • Mount Hermon is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Mount Hermon is $83 per month for minimum coverage and $138 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.

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* Who is the average Mount Hermon driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Mount Hermon with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.