A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Budd Lake, NJ for senior drivers are $2,859/year
  • The cheapest car insurance company in Budd Lake for teen drivers is GEICO
  • The cheapest car insurance company in Budd Lake after a DUI is Progressive

Average car insurance rates in Budd Lake, New Jersey are $385 a month. But with a little research you can get a great deal from the top car insurance companies in Budd Lake, NJ. Before you buy Budd Lake, New Jersey car insurance, make sure your coverage meets or exceeds the New Jersey minimum of 15/30/5.

It may even be helpful to compare Budd Lake car insurance rates with Passaic car insurance rates, Newark car insurance rates, or Clifton car insurance rates to make sure you’re getting the best Budd Lake, NJ car insurance quotes available.

Need affordable Budd Lake, NJ car insurance? Enter your ZIP code to compare Budd Lake car insurance quotes from multiple car insurance companies near you.

Budd Lake, NJ Minimum Car Insurance Coverage

Budd Lake, New Jersey law requires drivers carry a minimum of 15/30/5 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Budd Lake, 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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Budd Lake, NJ Car Insurance Rates by Coverage Level

Some Budd Lake drivers can get by with the New Jersey minimum coverage of 15/30/5. Other drivers may need more. See how much your Budd Lake, New Jersey car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Budd Lake, New Jersey

Insurance Company Low Medium High
Allstate $4,523 $4,888 $5,076
Farmers $5,833 $6,405 $7,003
GEICO $2,197 $2,471 $2,616
Liberty Mutual $4,859 $5,556 $5,779
Progressive $3,129 $3,482 $3,666
State Farm $5,773 $6,228 $6,469
Travelers $3,430 $3,726 $4,011

Budd Lake, NJ Car Insurance Rates by Age, Gender, and Marital Status

Budd Lake, New Jersey car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Budd Lake, NJ car insurance, get quotes from multiple car insurance companies in the Budd Lake area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Budd Lake, 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 $2,881 $2,868 $2,767 $2,767 $9,085 $11,381 $3,360 $3,526
Farmers $4,055 $4,086 $3,933 $3,862 $11,904 $13,679 $4,824 $4,967
GEICO $1,990 $1,939 $1,925 $1,925 $3,537 $3,602 $2,260 $2,244
Liberty Mutual $3,592 $3,592 $3,939 $3,939 $9,217 $10,454 $3,939 $4,513
Progressive $1,760 $1,637 $1,592 $1,628 $7,906 $8,783 $2,080 $2,020
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $2,797 $2,738 $2,581 $2,622 $6,358 $7,198 $2,745 $2,738

Budd Lake, NJ Car Insurance Rates for Teens

How much is Budd Lake, New Jersey car insurance for teens? Compare rates from top Budd Lake car insurance companies below to help find the cheapest teen car insurance in Budd Lake, NJ.

Annual Car Insurance Rates for Teen Drivers in Budd Lake, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,085 $11,381
Farmers $11,904 $13,679
GEICO $3,537 $3,602
Liberty Mutual $9,217 $10,454
Progressive $7,906 $8,783
State Farm $11,692 $15,026
Travelers $6,358 $7,198

Budd Lake, NJ Car Insurance Rates for Seniors

Before seniors buy Budd Lake, New Jersey car insurance, they should make sure to shop around. Some Budd Lake, NJ car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Budd Lake, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,767 $2,767
Farmers $3,933 $3,862
GEICO $1,925 $1,925
Liberty Mutual $3,939 $3,939
Progressive $1,592 $1,628
State Farm $3,272 $3,272
Travelers $2,581 $2,622

Budd Lake, NJ Car Insurance Rates by Credit History

How does your credit history affect Budd Lake, NJ car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Budd Lake, New Jersey

Insurance Company Poor Fair Good
Allstate $6,659 $4,373 $3,456
Farmers $7,570 $6,002 $5,669
GEICO $3,643 $2,107 $1,533
Liberty Mutual $6,824 $5,076 $4,295
Progressive $3,819 $3,351 $3,108
State Farm $8,893 $5,377 $4,200
Travelers $4,960 $3,665 $2,542

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Budd Lake, NJ Car Insurance Rates by Driver History

How does a single speeding ticket affect your Budd Lake, New Jersey car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Budd Lake.

Annual Budd Lake, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $5,978 $5,261 $4,420
Farmers $4,958 $8,425 $6,858 $5,415
GEICO $1,892 $2,482 $3,445 $1,892
Liberty Mutual $5,187 $5,926 $5,293 $5,187
Progressive $2,969 $3,928 $3,367 $3,441
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $2,873 $4,239 $4,094 $3,683

Budd Lake, NJ Car Insurance Rates With a DUI

Even a single DUI can increase your Budd Lake, NJ car insurance rates. Compare rates below to see which Budd Lake car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Budd Lake, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,261
Farmers $6,858
GEICO $3,445
Liberty Mutual $5,293
Progressive $3,367
State Farm $9,781
Travelers $4,094

Budd Lake, NJ Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Budd Lake, NJ car insurance rates may be. Let’s take a look at average car insurance rates from top Budd Lake companies based on commute time.

Annual Car Insurance Rates by Commute Length in Budd Lake, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,821 $4,838
Farmers $6,414 $6,414
GEICO $2,409 $2,447
Liberty Mutual $5,346 $5,450
Progressive $3,426 $3,426
State Farm $6,004 $6,309
Travelers $3,722 $3,722

Budd Lake, NJ Cheapest Car Insurance Rates

How do the top Budd Lake, New Jersey car insurance companies’ average rates stack up against the Budd Lake average monthly car insurance rates of $385? Take a look and see.

Best Annual Car Insurance Rates by Company in Budd Lake, 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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Budd Lake, NJ Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Budd Lake, New Jersey car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Budd Lake, New Jersey

Insurance Company Average Annual Rates
Allstate $4,829
Farmers $6,414
GEICO $2,428
Liberty Mutual $5,398
Progressive $3,426
State Farm $6,157
Travelers $3,722

Other Factors Affecting Budd Lake, NJ Car Insurance Rates

Before you buy Budd Lake, New Jersey car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Budd Lake, NJ Commute Time

How does your Budd Lake, NJ commute time compare with the average driver? In Budd Lake, the average commute is 33.9 minutes.

Budd Lake, NJ Car Insurance Quotes

Compare Budd Lake, NJ car insurance quotes from multiple companies by entering your ZIP code now.