Cheap Quotes for Cream Ridge, NJ Car Insurance (2021)

Cream Ridge, New Jersey car insurance rates average $416 a month and New Jersey law requires coverage of at least 15/30/5. By comparing rates from multiple Cream Ridge, NJ companies, you can find cheap Cream Ridge car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Cream Ridge, NJ for senior drivers are $3,079/year
  • Average car insurance rates in Cream Ridge, NJ are $416/month
  • Average car insurance rates in Cream Ridge, NJ after a DUI are $5,942/year

How do the Cream Ridge, New Jersey monthly average car insurance rates of $416/month compare to nearby cities like Elizabeth car insurance rates, Passaic car insurance rates, and Clifton car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Cream Ridge, NJ.

We’ll cover the New Jersey minimum coverage requirements, New Jersey car insurance laws, and Cream Ridge, NJ statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Cream Ridge, New Jersey companies to find the most affordable Cream Ridge car insurance rates.

Enter your ZIP code above to find cheap Cream Ridge, NJ car insurance quotes today.

What are the minimum Cream Ridge, NJ car insurance requirements?

To meet New Jersey minimum car insurance coverage requirements, Cream Ridge, NJ drivers need to carry at least 15/30/5 coverage.

Minimum Required Car Insurance Coverage in Cream Ridge, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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How do age, gender, and marital status affect Cream Ridge, NJ car insurance rates?

Three of the criteria that most affect car insurance rates in Cream Ridge, New Jersey are age, gender, and marital status. Let’s take a look at how each of these stack up with top Cream Ridge car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cream Ridge, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,250 $3,233 $3,141 $3,141 $10,286 $12,737 $3,805 $3,957
Farmers $4,143 $4,178 $4,034 $3,945 $12,013 $13,800 $4,913 $5,000
GEICO $2,025 $1,981 $1,968 $1,968 $3,629 $3,659 $2,311 $2,274
Liberty Mutual $3,984 $3,984 $4,372 $4,372 $10,349 $11,750 $4,372 $5,025
Progressive $1,741 $1,615 $1,577 $1,619 $7,761 $8,541 $2,053 $1,970
State Farm $4,399 $4,399 $3,987 $3,987 $14,451 $18,548 $5,018 $5,603
Travelers $2,673 $2,622 $2,479 $2,517 $6,152 $7,012 $2,627 $2,626

How much do teen drivers pay for car insurance in Cream Ridge, NJ?

Cream Ridge, New Jersey car insurance rates for teens are often higher than rates for other drivers. Compare Cream Ridge car insurance rates from multiple Cream Ridge, New Jersey car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Cream Ridge, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,286 $12,737
Farmers $12,013 $13,800
GEICO $3,629 $3,659
Liberty Mutual $10,349 $11,750
Progressive $7,761 $8,541
State Farm $14,451 $18,548
Travelers $6,152 $7,012

How much do senior drivers pay for car insurance in Cream Ridge, NJ?

With a little research, seniors can find affordable car insurance in Cream Ridge, New Jersey. Here’s a look at how the top Cream Ridge car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Cream Ridge, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,141 $3,141
Farmers $4,034 $3,945
GEICO $1,968 $1,968
Liberty Mutual $4,372 $4,372
Progressive $1,577 $1,619
State Farm $3,987 $3,987
Travelers $2,479 $2,517

How does coverage level affect Cream Ridge, NJ car insurance rates?

How much coverage do you need? Are you comfortable with the New Jersey minimum of 15/30/5 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Cream Ridge, NJ car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Cream Ridge, New Jersey

Insurance Company Low Medium High
Allstate $5,044 $5,520 $5,767
Farmers $5,843 $6,470 $7,196
GEICO $2,220 $2,525 $2,685
Liberty Mutual $5,410 $6,205 $6,463
Progressive $3,039 $3,415 $3,625
State Farm $6,997 $7,651 $8,000
Travelers $3,292 $3,592 $3,882

How does your driving record affect Cream Ridge, NJ car insurance rates?

Safe driving pays off. The more traffic violations you have in Cream Ridge, NJ, the higher your car insurance rates will be. Compare rates based on driving infractions from top Cream Ridge, New Jersey companies.

Annual Cream Ridge, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,084 $6,783 $5,941 $4,967
Farmers $5,048 $8,536 $6,964 $5,465
GEICO $1,930 $2,532 $3,515 $1,930
Liberty Mutual $5,789 $6,617 $5,909 $5,789
Progressive $2,899 $3,867 $3,303 $3,369
State Farm $4,101 $7,470 $12,009 $6,617
Travelers $2,772 $4,079 $3,949 $3,554

How does a DUI affect Cream Ridge, NJ car insurance rates?

With even one DUI on your record, you can see an increase in your Cream Ridge, NJ car insurance rates.

Annual Car Insurance Rates After a DUI in Cream Ridge, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,941
Farmers $6,964
GEICO $3,515
Liberty Mutual $5,909
Progressive $3,303
State Farm $12,009
Travelers $3,949

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How does your credit history affect Cream Ridge, NJ car insurance rates?

Take a look at the data here to see how your Cream Ridge, New Jersey car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Cream Ridge, New Jersey

Insurance Company Poor Fair Good
Allstate $7,544 $4,909 $3,879
Farmers $7,739 $6,056 $5,715
GEICO $3,719 $2,149 $1,563
Liberty Mutual $7,627 $5,664 $4,787
Progressive $3,751 $3,286 $3,042
State Farm $10,924 $6,588 $5,135
Travelers $4,774 $3,535 $2,456

How does your commute affect Cream Ridge, NJ car insurance rates?

Cream Ridge, NJ car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for New Jersey can be seen here. Remember, though, that you may have to carry substantially more car insurance in Cream Ridge if you’re financing.

Annual Car Insurance Rates by Commute Length in Cream Ridge, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,434 $5,454
Farmers $6,503 $6,503
GEICO $2,457 $2,497
Liberty Mutual $5,968 $6,084
Progressive $3,360 $3,360
State Farm $7,353 $7,746
Travelers $3,589 $3,589

Who has the cheapest Cream Ridge, NJ car insurance rates?

Here’s a breakdown of Cream Ridge, New Jersey car insurance rates by company. You can see which company offers the cheapest Cream Ridge car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Cream Ridge, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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What are the top Cream Ridge, NJ car insurance companies?

Which Cream Ridge, New Jersey car insurance company will best fit your needs and budget? Check out this comparison of the top Cream Ridge companies to find the one for you.

Average Annual Car Insurance Rates by Company in Cream Ridge, New Jersey

Insurance Company Average Annual Rates
Allstate $5,444
Farmers $6,503
GEICO $2,477
Liberty Mutual $6,026
Progressive $3,360
State Farm $7,549
Travelers $3,589

Car Insurance Quotes for Cream Ridge, NJ

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