Best Auto Insurance Rates in Clifton, New Jersey

On average your neighbors pay $104 a month.

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With a population of around 87,000, Clifton is New Jersey’s 11th largest city. It’ll likely move up that list in the future, as its population has steadily increased over the last 15 years and shows no signs of stopping.

Of course, more people in the city means more people on the roads. And that, in turn, means more traffic congestion and accidents—that means more expensive car insurance.

Average Clifton Car Insurance Rates

How much is car insurance in Clifton, NJ? Rates in Clifton are well above the national average. New Jersey is the most expensive state in America for car insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

How much you pay for coverage depends on many factors including your driving history, coverage, limits, your car, and the number of claims filed in your zip code.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

QuoteWizard connects consumers to national insurance companies and local agents so you can weigh your options and save up to 40 percent on your insurance bill.

Last year, many people used QuoteWizard to get an auto insurance quotes comparison in Clifton, NJ from multiple companies to find the lowest rates.

Best Car Insurance Companies in Clifton, NJ

This is our list of the most common car insurance companies reported by QuoteWizard users living in Clifton, New Jersey last year. Of these users, 19 did not have insurance when they requested a quote.

Top 10 Vehicles in Clifton

This is our list of the most common car makes and models owned by Clifton, NJ drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Honda Civic EX/LX
  3. Toyota Camry LE/XLE/SE
  4. Jeep Grand Cherokee Laredo
  5. Honda CR-V EX
  6. Toyota Corolla CE/LE/S
  7. Nissan Sentra S/SV/SR/SL
  8. Honda Pilot EX
  9. Ford Explorer
  10. Nissan Altima SE
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Minimum Car Insurance Requirements in Clifton, NJ

Clifton, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most an insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total an insurance carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion are factors that can influence your insurance rates.

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Weather

A driving condition that can have a major impact on car insurance rates is the weather. Speaking of which, Clifton sees around 121 days of precipitation in an average year. When it comes to specific precipitation, the city receives about 31 inches of snow annually. Thankfully, for Clifton residents, they have many sunny and warm days as well. In fact, the city experiences an average of 205 days a year of full or partial sunshine.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads cost motorists $6.9 billion annually in extra vehicle operating costs. That’s $632 per motorist. 

Moving Violations

Moving violations including speeding tickets, accidents, and drunk driving can add points to your driver's license and give you a bad driving record. If this happens, your insurer will label you a bad driver and force you to purchase high-risk auto insurance.

Traffic Tickets

The Clifton Municipal Court website provides important court information and allows residents to pay traffic tickets through NJMCDIRECT.

The Clifton Municipal Court resolved 28,716 traffic cases in 2015. That’s 18 percent less than the 35,000 cases resolved in 2014.

DWI Case Filings

The Clifton Municipal Court filed 382 DWI cases in 2015. That’s 10 percent less than the 346 cases filed in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Clifton DWI insurance.

Car Accident Statistics

Passaic County experienced 17,854 car accidents in 2014. That’s a 6 percent decrease from the 18,925 accidents in 2013. 

Traffic Fatalities

Passaic County reported 24 traffic fatalities in 2014. That’s an 11 percent decrease from the 27 fatalities in 2013.

Vehicle Theft Rates

Clifton experienced 107 motor vehicle thefts in 2014. That’s a theft rate of 1.25 per 1,000 residents—much lower than the national average of 2.16 per 1,000 people. In other words, Clifton is a relatively safe place to own a car.

Car Insurance Discounts in Clifton

Do you want affordable car insurance? Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to drivers in Clifton, NJ. Get a quote to find out which discounts you may qualify for from your current or multiple insurance companies.

  • Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 15% of your total bill
  • Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  • Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  • Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount
  • Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  • Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  • Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  • Live in a safe neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  • Take a defensive driving course from an accredited driving school
  • Shop around and compare low-cost Clifton car insurance quotes

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