The best car insurance in Park Ridge, NJ

Latisha Catchatoorian

By

Latisha Catchatoorian

Latisha Catchatoorian

Insurance Expert

Latisha Catchatoorian is a freelance insurance writer at Policygenius, specializing in auto insurance.

Published November 23, 2021

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The average cost of full coverage car insurance in Park Ridge is $2,019 per year, which comes in at $240 less than the New Jersey state average of $2,259. 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.

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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.

Key Takeaways

  • GEICO has the lowest average rate for full coverage car insurance in Park Ridge

  • The cheapest company for drivers with poor credit is Selective Insurance

  • New Jersey minimum liability insurance requirements are $15,000 per person and $30,00 per accident for bodily injury liability and $5,000 in basic property damage liability

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

$976

871

Plymouth Rock

$1,395

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State Farm

$1,415

881

NJ Manufacturers

$1,448

909

Progressive

$1,472

856

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

7656

$2,019

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

Plymouth Rock

State Farm

NJ Manufacturers

Progressive

At-fault Accident

$1,352

$1,554

$2,314

$1,515

$2,121

DUI

$1,950

$2,569

$5,419

$1,847

$1,579

Driving with a suspended license

$964

$2,982

$5,419

$1,847

$1,926

Driving with an open container

$1,950

$2,569

$2,110

$1,847

$1,579

Driving with expired registration

$964

$2,904

$2,110

$1,847

$1,789

Driving without Lights

$964

$2,904

$2,110

$1,847

$1,439

Failure to show documents

$964

$2,904

$2,110

$1,847

$1,789

Failure to stop at a red light

$964

$2,904

$2,110

$1,847

$1,789

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

$1,914

GEICO

$2,173

Progressive

$2,229

NJ Manufacturers

$2,455

Amica

$2,936

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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

  • Property damage liability coverage: $5,000

  • 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. 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.

Why do younger drivers pay more for car insurance?

Younger drivers such as teens and young adults can typically expect to pay more for car insurance because they are less experienced drivers. Doing research to compare the best rates between companies will help you find the most affordable options.

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.

If I have bad credit, can I still get a cheap policy?

If you have bad credit, you can expect to pay higher premiums than someone with good credit. You can find the most affordable options by shopping around and comparing rates since rates can vary greatly by insurance company.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.