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Get Cheap Car Insurance in North Caldwell, NJ
We monitor insurance prices, helping the average driver in North Caldwell save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in North Caldwell
The chart below shows the cheapest car insurance company in North Caldwell 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.
| North Caldwell Insurer | Monthly Cost |
|---|---|
| State Farm | $60 |
| Geico | $63 |
| Plymouth Rock Assurance | $77 |
| NJM | $91 |
Savings for Every Kind of North Caldwell Driver
Based on our extensive insurance data, we know the average North Caldwell 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 $475 per year by choosing the right vehicle insurance company. Some North Caldwell residents are paying out over $1,813 extra every year for auto insurance in North Caldwell. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
North Caldwell, NJ Savings / Yr. |
|---|---|
$475 |
|
$881 |
|
$677 |
|
$584 |
|
$2,345 |
|
$457 |
|
$711 |
North Caldwell Car Insurance vs. New Jersey
People living in North Caldwell pay an average of 0.18% less than the typical driver in the state. The average driver in North Caldwell can expect to pay about $1,081 per year, or $1,813 for full coverage.
Based on our analysis, Geico will be the cheapest provider in North Caldwell for most people.
Car Insurance Prices by North Caldwell Neighborhood
Insurance Prices
Where is insurance cheapest within North Caldwell?
The map shows insurance prices in and around North Caldwell, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $86 per year within the city boundaries, with insurance premiums ranging from a high of $1,861 to a low of $1,775. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southwest parts of North Caldwell.Pick the Best Car Insurance Company for You in North Caldwell
The best car insurance provider for most drivers in North Caldwell
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $475 over the average North Caldwell car insurance company.
The best car insurance provider for North Caldwell 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 $881 over the competition.
The best car insurance company for North Caldwell drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $677 better than other car insurance companies.
The best auto insurance for North Caldwell drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $584 less each year.
The least expensive car insurance company for new and young drivers in North Caldwell
In North Caldwell, Geico costs young drivers $2,345 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in North Caldwell
Geico gave the largest car insurance discounts to married couples, averaging $457 saved each year compared to an average North Caldwell couple's premiums.
The cheapest car insurance in North Caldwell for drivers with bad credit
The best North Caldwell car insurance company for customer service
Nationwide was the best company for customer service in North Caldwell according to the NAIC.
Recent price drops
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The cheapest large national provider in North Caldwell
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average North Caldwell 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 North Caldwell, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around North Caldwell
What Influences the Cost of Car Insurance in North Caldwell?
On average, car insurance in North Caldwell 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 North Caldwell is 40 minutes, which is about the national 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 North Caldwell are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- North Caldwell 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 North Caldwell is $90 per month for minimum coverage and $151 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
- Cedar Grove: Insurance costs 4.63% more
- Caldwell: Insurance costs 1.32% less
- Little Falls: Insurance costs 4.63% more
- Verona: Insurance costs 1.77% more
- Fairfield: Insurance costs 2.65% less
- Essex Fells: Insurance costs 1.88% more
- Upper Montclair: Insurance costs 9.71% more
- Woodland Park: Insurance costs 8.22% more
- Totowa: Insurance costs 8.00% more
- Roseland: Insurance costs 1.10% less
Cities with Similar Populations
- Valhalla: Insurance costs 43.74% more
- Brigantine: Insurance costs 0.88% more
- Bristow: Insurance costs 4.52% less
- Broadway: Insurance costs 37.23% less
- Brooklyn: Insurance costs 5.13% more
- Brookville: Insurance costs 32.76% less
- Brookville: Insurance costs 25.32% less
- Uhrichsville: Insurance costs 38.78% less
- Union Grove: Insurance costs 39.49% less
- University: Insurance costs 7.50% less