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

  • Average car insurance rates in West Milford, NJ are $402/month
  • Average car insurance rates in West Milford, NJ for senior drivers are $2,991/year
  • The cheapest car insurance company in West Milford for teen drivers is GEICO

Average car insurance rates in West Milford, New Jersey are $402 a month. But with a little research you can get a great deal from the top car insurance companies in West Milford, NJ. Before you buy West Milford, 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 West Milford car insurance rates with Newark car insurance rates, Passaic car insurance rates, or Camden car insurance rates to make sure you’re getting the best West Milford, NJ car insurance quotes available.

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

West Milford, NJ Minimum Car Insurance Coverage

West Milford, 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 West Milford, 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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West Milford, NJ Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in West Milford, New Jersey

Insurance Company Low Medium High
Allstate $4,780 $5,228 $5,460
Farmers $6,055 $6,666 $7,352
GEICO $2,417 $2,724 $2,882
Liberty Mutual $4,859 $5,556 $5,779
Progressive $3,228 $3,604 $3,814
State Farm $5,773 $6,228 $6,469
Travelers $3,792 $4,121 $4,439

West Milford, NJ Car Insurance Rates by Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in West Milford, 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 $4,232 $4,270 $4,110 $4,030 $12,414 $14,276 $5,031 $5,162
GEICO $2,185 $2,134 $2,119 $2,119 $3,918 $3,968 $2,492 $2,461
Liberty Mutual $3,592 $3,592 $3,939 $3,939 $9,217 $10,454 $3,939 $4,513
Progressive $1,828 $1,696 $1,652 $1,695 $8,209 $9,071 $2,159 $2,079
State Farm $3,630 $3,630 $3,272 $3,272 $11,692 $15,026 $4,125 $4,607
Travelers $3,114 $3,024 $2,882 $2,906 $7,045 $7,929 $3,034 $3,005

West Milford, NJ Car Insurance Rates for Teens

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

Annual Car Insurance Rates for Teen Drivers in West Milford, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,739 $12,084
Farmers $12,414 $14,276
GEICO $3,918 $3,968
Liberty Mutual $9,217 $10,454
Progressive $8,209 $9,071
State Farm $11,692 $15,026
Travelers $7,045 $7,929

West Milford, NJ Car Insurance Rates for Seniors

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

Annual Car Insurance Rates for Senior Drivers in West Milford, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,972 $2,972
Farmers $4,110 $4,030
GEICO $2,119 $2,119
Liberty Mutual $3,939 $3,939
Progressive $1,652 $1,695
State Farm $3,272 $3,272
Travelers $2,882 $2,906

West Milford, NJ Car Insurance Rates by Credit History

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

Annual Car Insurance Rates by Credit Score in West Milford, New Jersey

Insurance Company Poor Fair Good
Allstate $7,134 $4,654 $3,680
Farmers $7,931 $6,244 $5,896
GEICO $4,025 $2,318 $1,681
Liberty Mutual $6,824 $5,076 $4,295
Progressive $3,964 $3,470 $3,212
State Farm $8,893 $5,377 $4,200
Travelers $5,520 $4,055 $2,776

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West Milford, NJ Car Insurance Rates by Driver History

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

Annual West Milford, 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 $5,180 $8,795 $7,150 $5,638
GEICO $2,080 $2,735 $3,803 $2,080
Liberty Mutual $5,187 $5,926 $5,293 $5,187
Progressive $3,063 $4,080 $3,489 $3,562
State Farm $3,360 $6,088 $9,781 $5,398
Travelers $3,166 $4,708 $4,534 $4,061

West Milford, NJ Car Insurance Rates With a DUI

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

Annual Car Insurance Rates After a DUI in West Milford, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,630
Farmers $7,150
GEICO $3,803
Liberty Mutual $5,293
Progressive $3,489
State Farm $9,781
Travelers $4,534

West Milford, NJ Car Insurance Rates by Commute

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

Annual Car Insurance Rates by Commute Length in West Milford, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,146 $5,166
Farmers $6,691 $6,691
GEICO $2,653 $2,696
Liberty Mutual $5,346 $5,450
Progressive $3,549 $3,549
State Farm $6,004 $6,309
Travelers $4,117 $4,117

West Milford, NJ Cheapest Car Insurance Rates

How do the top West Milford, New Jersey car insurance companies’ average rates stack up against the West Milford average monthly car insurance rates of $402? Take a look and see.

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

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

Average Annual Car Insurance Rates by Company in West Milford, New Jersey

Insurance Company Average Annual Rates
Allstate $5,156
Farmers $6,691
GEICO $2,674
Liberty Mutual $5,398
Progressive $3,549
State Farm $6,157
Travelers $4,117

West Milford, NJ Car Insurance Quotes

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