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Get Cheap Car Insurance in Northwest Ridgewood, Ridgewood, NJ
We monitor insurance prices, helping the average driver in Northwest Ridgewood save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Northwest Ridgewood
The chart below shows the cheapest car insurance company in Northwest Ridgewood 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.
| Northwest Ridgewood Insurer | Monthly Cost |
|---|---|
| State Farm | $64 |
| Geico | $67 |
| Plymouth Rock Assurance | $82 |
| NJM | $97 |
Savings for Every Kind of Northwest Ridgewood Driver
Based on our extensive insurance data, we know the average Northwest Ridgewood 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 $507 per year by choosing the right vehicle insurance company. Some Northwest Ridgewood residents are paying out over $1,936 extra every year for auto insurance in Northwest Ridgewood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Northwest Ridgewood, Ridgewood, NJ Savings / Yr. |
|---|---|
$507 |
|
$941 |
|
$723 |
|
$624 |
|
$2,504 |
|
$488 |
|
$759 |
Northwest Ridgewood Car Insurance vs. Ridgewood
People living in Northwest Ridgewood pay an average of 6.59% more than the typical driver in the state. The average driver in Northwest Ridgewood can expect to pay about $1,154 per year, or $1,936 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Northwest Ridgewood for most people.
Car Insurance Prices by Northwest Ridgewood Neighborhood
Insurance Prices
Where is insurance cheapest within Northwest Ridgewood?
The map shows insurance prices in and around Northwest Ridgewood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $258 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,053 to a low of $1,795. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Northwest parts of Northwest Ridgewood.Pick the Best Car Insurance Company for You in Northwest Ridgewood
The best car insurance provider for most drivers in Northwest Ridgewood
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $507 over the average Northwest Ridgewood car insurance company.
The best car insurance provider for Northwest Ridgewood 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 $941 over the competition.
The best car insurance company for Northwest Ridgewood drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $723 better than other car insurance companies.
The best auto insurance for Northwest Ridgewood drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $624 less each year.
The least expensive car insurance company for new and young drivers in Northwest Ridgewood
In Northwest Ridgewood, Geico costs young drivers $2,504 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Northwest Ridgewood
Geico gave the largest car insurance discounts to married couples, averaging $488 saved each year compared to an average Northwest Ridgewood couple's premiums.
The cheapest car insurance in Northwest Ridgewood for drivers with bad credit
The best Northwest Ridgewood car insurance company for customer service
Nationwide was the best company for customer service in Northwest Ridgewood according to the NAIC.
Recent price drops
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The cheapest large national provider in Northwest Ridgewood
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Northwest Ridgewood 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 Northwest Ridgewood, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Northwest Ridgewood
What Influences the Cost of Car Insurance in Northwest Ridgewood?
On average, car insurance in Northwest Ridgewood is more expensive than the rest of the state. These high 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 neighborhood are influenced by the following factors:
- The average commute time in Northwest Ridgewood is 57 minutes, which is far more than average for a driver in the city.
- New Jersey state insurance regulations may require higher prices.
- An average of 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Northwest Ridgewood are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Northwest Ridgewood is one of the most densely populated areas in the state. The neighborhood’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 Northwest Ridgewood is $96 per month for minimum coverage and $161 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 Neighborhoods
- Downtown Ridgewood: Insurance costs 1.91% more
- Wortendyke: Insurance costs 7.59% less
- Southeast Ridgewood: Insurance costs 0.62% more
- Ridgewood Junction: Insurance costs 0.83% less
- Radburn: Insurance costs 6.20% more
- Warren Point: Insurance costs 9.97% more
- Passaic Junction: Insurance costs 1.81% more
- Downtown Paterson: Insurance costs 24.33% more
- Masonicus: Insurance costs 5.94% less
- Lake View: Insurance costs 12.71% more
Neighborhoods with Similar Populations
- Washington Square: Insurance costs 15.50% more
- Camp Lake: Insurance costs 42.10% less
- Canterbury: Insurance costs 13.53% less
- Carver: Insurance costs 9.71% less
- Cascade Highlands: Insurance costs 21.85% less
- Castle Manor: Insurance costs 36.26% less
- Celina Main Street Historic District: Insurance costs 45.87% less
- Central Business District: Insurance costs 23.45% more
- Central State: Insurance costs 31.61% more
- Cherokee Triangle: Insurance costs 10.85% more