Cheapest car insurance companies in Clifton
According to a study by Insurance.com, the cheapest car insurance companies in Clifton for 2023 are New Jersey Manufacturers and Geico.
New Jersey Manufacturers is the cheapest option for most Clifton drivers, with an average annual rate of $1,451 .
Car insurance prices in Clifton can differ based on where you live, your driving history, coverage limit, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies. Below are the companies that offer cheap car insurance to Clifton drivers.
| Companies | Average annual rates |
|---|---|
| New Jersey Manufacturers | $1,451 |
| Geico | $1,940 |
| Plymouth Rock Assurance | $1,953 |
| Travelers | $2,143 |
| Selective Insurance | $2,270 |
| Progressive | $2,602 |
| Allstate | $2,867 |
| State Farm | $2,933 |
| Farmers | $2,942 |
Cheapest car insurance cost in Clifton by Age Group
Geico stands out as Clifton's cheapest auto insurance company for teen drivers at an average annual of $4,286. Insurance providers classify teenagers as high-risk drivers, and that's why they typically face increased insurance costs compared to other age groups.
However, teen drivers can keep their insurance rates low by taking advantage of the good student discount or by staying on their parent's car insurance policy for as long as possible.
New Jersey Manufacturers is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Clifton at about $2,423 per year.
An analysis of car insurance rates for Clifton drivers reveal a significant decrease in premiums for individuals in their 30s compared to those in their 20s. New Jersey Manufacturers offers the cheapest full-coverage car insurance rates at $1,441 per year.
Clifton senior drivers seeking affordable car insurance should look no further than New Jersey Manufacturers. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,365. It makes New Jersey Manufacturers a good choice for seniors who want to save money without sacrificing coverage.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Farmers | N/A | $4,820 | $2,908 | $3,190 |
| Geico | $4,286 | $3,046 | $1,968 | $1,765 |
| New Jersey Manufacturers | $5,006 | $2,423 | $1,441 | $1,365 |
| Travelers | $5,496 | $2,727 | $2,084 | $1,973 |
| Plymouth Rock Assurance | $6,766 | $2,439 | $1,954 | $2,108 |
| State Farm | $7,692 | $4,923 | $2,949 | $2,421 |
| Selective Insurance | $8,871 | $3,961 | $2,323 | $2,108 |
| Allstate | $9,191 | $4,776 | $2,826 | $2,660 |
| Progressive | $11,267 | $4,229 | $2,584 | $2,770 |
Cheapest car insurance companies in Clifton by driver profile
Insurers in Clifton consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
To find the cheapest car insurance company in Clifton, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget.
Below are some of the cheapest car insurance companies in Clifton by driver profile.
- Cheapest for a driver with poor credit: Progressive
- Cheapest for a driver with a speeding ticket: Geico
- Cheapest for accident: Geico
- Cheapest for DUI: Progressive
Cheapest for a driver with poor credit: Progressive
Drivers in Clifton with poor credit can get the cheapest car insurance from Progressive at an average cost of $2,616 a year, according to a data study by Insurance.com.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Progressive | $2,616 |
| Geico | $3,614 |
| Allstate | $4,081 |
| State Farm | $5,146 |
| Farmers | $5,385 |
| Travelers | $5,548 |
Cheapest for drivers with a speeding ticket: Geico
Based on recent data analysis, 30-year-old drivers in Clifton with speeding tickets on their driving record can get the cheapest car insurance rates from Geico at an annual cost of $1,707.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| Geico | $1,707 |
| Progressive | $2,028 |
| Allstate | $2,718 |
| Travelers | $3,559 |
| State Farm | $3,937 |
| Farmers | $5,513 |
Cheapest auto insurance after an at-fault accident: Geico
Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.
In a recent data analysis, Insurance.com found that Geico offers the cheapest car insurance rates for Clifton drivers with at-fault accidents. It provides coverage at an average annual cost of $2,296.
| Company | Average annual rates |
|---|---|
| Geico | $2,296 |
| Progressive | $2,868 |
| Travelers | $4,689 |
| State Farm | $4,792 |
| Allstate | $5,203 |
| Farmers | $9,972 |
Cheapest auto insurance after a DUI: Progressive
Among the carriers analyzed, Progressive offers the cheapest auto insurance premiums for drivers with a DUI in Clifton. On average, its annual full coverage rate is $2,342, making it a significantly cheaper option than other insurance providers.
Drivers convicted of a DUI offense face substantial increases in their car insurance rates. To get affordable premiums, you should compare quotes from different insurance carriers.
| Company | Average annual rates |
|---|---|
| Progressive | $2,342 |
| Allstate | $3,594 |
| Geico | $3,859 |
| Travelers | $4,926 |
| Farmers | $5,877 |
| State Farm | $9,488 |
Average car insurance cost in Clifton
The average car insurance rate in Clifton for full coverage is $2,344 per year or $195 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Clifton is $1,163 per year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $2,344 | $1,163 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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