Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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

  • The cheapest car insurance company in Ramsey after a DUI is Progressive
  • The cheapest car insurance company in Ramsey for teen drivers is GEICO
  • Average car insurance rates in Ramsey, NJ for senior drivers are $3,051/year

Average car insurance rates in Ramsey, New Jersey are $410 a month. But with a little research you can get a great deal from the top car insurance companies in Ramsey, NJ. Before you buy Ramsey, 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 Ramsey car insurance rates with Paterson car insurance rates, Bayonne car insurance rates, or Trenton car insurance rates to make sure you’re getting the best Ramsey, NJ car insurance quotes available.

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

Ramsey, NJ Minimum Car Insurance Coverage

Ramsey, 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 Ramsey, 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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Ramsey, NJ Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Ramsey, New Jersey

Insurance Company Low Medium High
Allstate $4,780 $5,228 $5,460
Farmers $5,889 $6,536 $7,250
GEICO $2,299 $2,612 $2,772
Liberty Mutual $5,487 $6,317 $6,593
Progressive $3,143 $3,521 $3,720
State Farm $6,135 $6,655 $6,930
Travelers $3,641 $3,999 $4,350

Ramsey, NJ Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Ramsey, 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 $3,076 $3,060 $2,972 $2,972 $9,739 $12,084 $3,598 $3,748
Farmers $4,146 $4,181 $4,037 $3,962 $12,160 $13,994 $4,935 $5,050
GEICO $2,072 $2,036 $2,023 $2,023 $3,780 $3,827 $2,380 $2,344
Liberty Mutual $4,053 $4,053 $4,449 $4,449 $10,533 $11,961 $4,449 $5,113
Progressive $1,823 $1,682 $1,645 $1,705 $7,996 $8,680 $2,142 $2,018
State Farm $3,851 $3,851 $3,483 $3,483 $12,537 $16,096 $4,385 $4,899
Travelers $2,945 $2,891 $2,734 $2,784 $6,899 $7,924 $2,899 $2,898

Ramsey, NJ Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in Ramsey, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,739 $12,084
Farmers $12,160 $13,994
GEICO $3,780 $3,827
Liberty Mutual $10,533 $11,961
Progressive $7,996 $8,680
State Farm $12,537 $16,096
Travelers $6,899 $7,924

Ramsey, NJ Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in Ramsey, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,972 $2,972
Farmers $4,037 $3,962
GEICO $2,023 $2,023
Liberty Mutual $4,449 $4,449
Progressive $1,645 $1,705
State Farm $3,483 $3,483
Travelers $2,734 $2,784

Ramsey, NJ Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in Ramsey, New Jersey

Insurance Company Poor Fair Good
Allstate $7,134 $4,654 $3,680
Farmers $7,780 $6,118 $5,776
GEICO $3,849 $2,221 $1,613
Liberty Mutual $7,764 $5,764 $4,870
Progressive $3,883 $3,383 $3,118
State Farm $9,501 $5,739 $4,480
Travelers $5,317 $3,940 $2,733

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Ramsey, NJ Car Insurance Rates by Driver History

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

Annual Ramsey, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,867 $6,423 $5,630 $4,704
Farmers $5,080 $8,618 $7,018 $5,517
GEICO $1,996 $2,618 $3,632 $1,996
Liberty Mutual $5,891 $6,734 $6,014 $5,891
Progressive $2,965 $4,001 $3,410 $3,471
State Farm $3,582 $6,503 $10,444 $5,764
Travelers $3,078 $4,538 $4,413 $3,958

Ramsey, NJ Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in Ramsey, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,630
Farmers $7,018
GEICO $3,632
Liberty Mutual $6,014
Progressive $3,410
State Farm $10,444
Travelers $4,413

Ramsey, NJ Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in Ramsey, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,146 $5,166
Farmers $6,558 $6,558
GEICO $2,540 $2,582
Liberty Mutual $6,073 $6,192
Progressive $3,461 $3,461
State Farm $6,407 $6,739
Travelers $3,997 $3,997

Ramsey, NJ Cheapest Car Insurance Rates

How do the top Ramsey, New Jersey car insurance companies’ average rates stack up against the Ramsey average monthly car insurance rates of $410? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in Ramsey, New Jersey

Insurance Company Average Annual Rates
Allstate $5,156
Farmers $6,558
GEICO $2,561
Liberty Mutual $6,132
Progressive $3,461
State Farm $6,573
Travelers $3,997

Other Factors Affecting Ramsey, NJ Car Insurance Rates

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

Ramsey, NJ Commute Time

How does your Ramsey, NJ commute time compare with the average driver? In Ramsey, the average commute is 33.4 minutes.

Ramsey, NJ Car Insurance Quotes

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