The average cost of full coverage car insurance in Park Ridge is $2,030 per year, which comes in at $195 less than the New Jersey state average. However, your exact rates may be higher or lower depending on multiple factors like your ZIP code, your age, what car you drive, and your driving history.
The best way to save money on car insurance is to do your research and compare rates between several auto insurance companies. Policygenius helps you choose the coverage that’s right for you by letting you see quotes from leading companies.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Park Ridge, NJ
All insurance companies use the same data to determine your rates. However, each company operates differently in how they use this information to calculate your overall rate. This is why your individual rate might be different than someone else who lives in the same ZIP code as you and drives the same make and model car. It’s important to research multiple companies and compare quotes when shopping for insurance to ensure you find the best rates for your situation.
Company | Average cost | JD Power Rating |
|---|---|---|
GEICO | $78/month | 874 |
NJ Manufacturers | $104/month | -- |
State Farm | $110/month | 882 |
Amica | $118/month | -- |
Selective Insurance | $125/month | -- |
Cheapest car insurance rates by ZIP code in Park Ridge, NJ
One of the biggest factors that determines your auto insurance rate is where you live. The rate of accidents, car thefts, and traffic tickets vary by ZIP code and influence your auto insurance rates. Additionally, things like street parking and secured garage parking in a designated ZIP code are taken into consideration when auto insurance companies determine your rate.
Below are the average rates by ZIP code in Park Ridge.
ZIP code | Average cost |
|---|---|
07656 | $2,030 |
Choosing the right car insurance company in Park Ridge, NJ
Choosing the best car insurance company in Park Ridge means finding a policy that gives you the best coverage at a good price. However, sifting through information from multiple outlets to find the right car insurance is tedious and overwhelming. That’s why Policygenius has done most of the work for you. Our insurance experts aggregate the latest data to help you identify the right policy at an affordable price.
Car insurance rates for drivers with driving violations in Park Ridge, NJ
Your driving record, also known as your motor vehicle report (MVR), is used as a factor by insurers when determining your insurance rate. Driving violations such as DUIs, traffic tickets, and at-fault accidents all affect your rate because your driving history reflects how much of a risk you are to the insurance company. Every state tracks the same kinds of incidents, but individual states have varying rules about how long they stay on your MVR. In New Jersey, traffic points stay on your record indefinitely.
Below are the average rates for Park Ridge drivers with violations or accidents on their driving record.
Violation | GEICO | NJ Manufacturers | State Farm | Amica | Selective Insurance |
|---|---|---|---|---|---|
At-fault accident | $1,303 | $1,323 | $2,143 | $2,012 | $1,872 |
Suspended license | $932 | $1,688 | $4,996 | $4,822 | $2,217 |
Open container | $1,873 | $1,603 | $1,957 | $4,822 | $2,560 |
Expired registration | $932 | $1,603 | $1,957 | $1,611 | $2,217 |
Driving without lights | $932 | $1,603 | $1,957 | $1,611 | $2,217 |
Running a red light | $932 | $1,603 | $1,957 | $1,611 | $2,217 |
Following too closely | $932 | $1,603 | $2,935 | $1,611 | $2,217 |
Hit and run | $1,873 | $1,603 | $1,957 | $4,822 | $2,721 |
Not-at-fault accident | $932 | $1,323 | $1,332 | $1,439 | $1,668 |
Passing a school bus | $932 | $1,603 | $2,935 | $1,782 | $2,217 |
Reckless driving | $1,588 | $1,603 | $2,935 | $3,675 | $2,721 |
Cheapest car insurance for drivers with a DUI in Park Ridge, NJ
Drivers in Park Ridge can see a significant increase in their rates if they get a DUI or DWI. The average annual cost for car insurance in Park Ridge is $2,030 per year, but New Jersey drivers can expect to pay an average of $4,050 per year if they have a DUI, which is a 100% increase over the average rate in Park Ridge.
But each car insurance company sets their own rates, so some companies charge much less for car insurance than others, even for drivers with a DUI. Our research shows that NJ Manufacturers, GEICO, and Selective Insurance have the lowest rates for drivers with a DUI in Park Ridge.
Company | Rates for drivers with DUIs |
|---|---|
NJ Manufacturers | $1,603 |
GEICO | $1,873 |
Selective Insurance | $2,560 |
Amica | $4,822 |
State Farm | $4,996 |
Cheapest car insurance for drivers with a speeding ticket in Park Ridge, NJ
Getting a speeding ticket can also increase your car insurance rates. Drivers in Park Ridge should expect to pay an average of $3,214 per year for car insurance if they have a speeding ticket on their record.
Speeding tickets can make your insurance rates go up, but it is still possible to save money on your car insurance by comparing quotes from multiple companies. We found that GEICO, NJ Manufacturers, and State Farm offer the lowest rates for drivers with a speeding ticket in Park Ridge.
Company | Rates for drivers with speeding tickets |
|---|---|
GEICO | $932 |
NJ Manufacturers | $1,603 |
State Farm | $2,269 |
Selective Insurance | $2,560 |
Amica | $2,586 |
Cheapest car insurance for drivers with bad credit in Park Ridge, NJ
If you have a bad credit score, you should expect to pay more for car insurance. Auto insurance companies see drivers with low credit scores as more of a risk to insure because studies have shown they file more claims than drivers with higher credit scores.
Some states allow insurance companies to rate drivers based on their credit scores and New Jersey is one of them. If you have poor credit, it is especially important to compare auto insurance rates across several companies since your credit history can impact your insurance rates.
Company | Rates for drivers with bad credit |
|---|---|
Selective Insurance | $1,852 |
NJ Manufacturers | $2,090 |
GEICO | $2,092 |
Amica | $2,485 |
State Farm | $2,749 |
Buying car insurance in Park Ridge, NJ
New Jersey state law requires that all drivers have car insurance. The minimum amount of coverage to legally drive is as follows:
Bodily injury liability coverage: $15,000 per person and $30,000 per accident for basic coverage, $25,000 per person and $50,000 per accident for standard coverage
Property damage liability coverage: $5,000 for basic coverage, $25,000 for standard coverage
Personal injury protection: $15,000 per accident, plus up to $250,000 for severe injuries
Uninsured/underinsured motorist coverage: Must match liability limits if purchasing a standard policy
It should be noted that under New Jersey law, drivers can select a “basic” car insurance policy, but these types of policies, though at a reduced rate, offer limited coverage. If you can afford more coverage, we recommend that you purchase it.
Additionally, New Jersey is a no-fault state. This means that each driver’s car insurance will be responsible for paying their own medical bills after a car accident, regardless of who is at fault for the cause of the accident. This is why New Jersey drivers are required to have a minimum amount of personal injury protection coverage (the type of coverage that pays for injuries after an accident).
How to get cheap car insurance in Park Ridge, NJ
Insurance in Park Ridge costs drivers less than the average rate of insurance in other New Jersey cities. Nonetheless, it’s always beneficial to save on your policy premiums through discounts:
Professional discount: Some companies offer discounts for certain employers and professions, such as teachers or public servants (like firefighters).
Bundling discount: Some companies offer a discount to customers who purchase multiple insurance policies with them (such as auto and home) as a way to thank them for their business.
Safe driver discount: If you have a clean driving record, this proof of safety entices insurance companies to have you as a customer and can keep your premiums low.
Loyalty discount: If you’ve been with the same auto insurance company for an extended period of time, sometimes the company will provide you with a discount to reward you for your loyalty.
Military discount: Many insurance companies offer a discount to those who are active military members, along with their families.
Low mileage discount: Drivers who don’t drive their vehicles long distances are often entitled to a lower rate than drivers who commute far every day.
Frequently asked questions
Which company has the cheapest car insurance in Park Ridge?
The cheapest average car insurance in Park Ridge is from GEICO, which has rates for a $934 per year. However, individual rates may vary greatly by company, so it’s important to compare policies from different companies to guarantee you’re paying the lowest possible rate.
How much is car insurance monthly in New Jersey?
The average monthly cost of car insurance in New Jersey is $185, or $2,225 per year. This is $195 more expensive than the cost of insurance in Park Ridge.
How much car insurance do I need in Park Ridge?
Park Ridge drivers must meet New Jersey’s minimum liability requirements, which include bodily injury liability of $15,000 per person and $30,000 per accident, as well as $5,000 in property damage liability.
Does NJ require full coverage car insurance?
No, full coverage is not required by law in New Jersey. Drivers in New Jersey are required to have liability levels of at least 15/30/5, which is $15,000 per person/$30,000 per accident in bodily injury coverage and $15,000 in property damage liability coverage. NJ drivers are also required to have personal injury protection levels of $15,000 per accident, plus up to $250,000 for severe injuries, as well as uninsured/underinsured motorist coverage.
