Buy Cheap Totowa, NJ Auto Insurance (2021)

Totowa, NJ auto insurance rates average $536 a month. Minimum auto insurance requirements in Totowa, New Jersey are 15/30/5 to comply with New Jersey laws. To buy cheap auto insurance in Totowa, NJ, compare Totowa auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Totowa after a DUI is State Farm
  • The most expensive auto insurance company in Totowa is State Farm
  • Average auto insurance rates in Totowa, NJ for teens drivers are $11,930/year

Finding affordable Totowa, New Jersey auto insurance can be challenging, but everything you need to know to buy cheap Totowa, NJ auto insurance with confidence is right here. Auto insurance rates in Totowa are affected by local factors as well as personal ones like your driving record.

See how Totowa, NJ car insurance rates compare to Elizabeth auto insurance rates, Paterson auto insurance rates, and Passaic auto insurance rates before you read more about the cost of auto insurance in Totowa.

Don’t buy Totowa, NJ auto insurance until you’ve compared rates. Get free Totowa, New Jersey auto insurance quotes when you enter your ZIP code above.

Totowa, NJ Minimum Auto Insurance Requirements

The required auto insurance in Totowa, NJ is 15/30/5 according to the auto insurance laws in New Jersey. The minimum auto insurance in Totowa, New Jersey is outlined here.

Minimum Required Auto Insurance Coverage in Totowa, 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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Find Cheap Totowa, NJ Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Totowa, NJ. Take a look at Totowa, New Jersey auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Totowa, New Jersey

Insurance Company Poor Fair Good
Allstate $8,499 $5,476 $4,308
Farmers $9,406 $7,376 $6,963
GEICO $5,294 $3,022 $2,176
Liberty Mutual $11,472 $8,479 $7,142
Progressive $4,471 $3,919 $3,630
State Farm $14,828 $8,914 $6,933
Travelers $5,681 $4,202 $2,911

Buy Cheap Totowa, NJ Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Totowa, New Jersey auto insurance rates? Find out how car insurance rates in Totowa, NJ are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Totowa, 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 $3,657 $3,639 $3,551 $3,551 $11,542 $14,084 $4,306 $4,423
Farmers $4,969 $5,018 $4,833 $4,743 $14,748 $16,998 $5,927 $6,082
GEICO $2,840 $2,801 $2,788 $2,788 $5,217 $5,104 $3,291 $3,148
Liberty Mutual $5,922 $5,922 $6,515 $6,515 $15,612 $17,744 $6,515 $7,507
Progressive $2,032 $1,884 $1,839 $1,882 $9,348 $10,337 $2,410 $2,323
State Farm $5,914 $5,914 $5,367 $5,367 $19,669 $25,249 $6,763 $7,553
Travelers $3,136 $3,080 $2,911 $2,961 $7,372 $8,482 $3,087 $3,089

Buy Cheap Totowa, NJ Auto Insurance for Teen Drivers

Auto insurance for teenagers in Totowa can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Totowa, NJ are listed here.

Annual Auto Insurance Rates for Teen Drivers in Totowa, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,542 $14,084
Farmers $14,748 $16,998
GEICO $5,217 $5,104
Liberty Mutual $15,612 $17,744
Progressive $9,348 $10,337
State Farm $19,669 $25,249
Travelers $7,372 $8,482

Buy Cheap Totowa, NJ Auto Insurance for Seniors

You can save on senior auto insurance rates in Totowa, New Jersey by comparing Totowa senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Totowa, NJ here.

Annual Auto Insurance Rates for Senior Drivers in Totowa, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,551 $3,551
Farmers $4,833 $4,743
GEICO $2,788 $2,788
Liberty Mutual $6,515 $6,515
Progressive $1,839 $1,882
State Farm $5,367 $5,367
Travelers $2,911 $2,961

Find Cheap Auto Insurance Rates in Totowa, NJ by Coverage Level

The amount of coverage you choose is a big factor in the cost of Totowa, New Jersey auto insurance. Compare Totowa, NJ auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Totowa, New Jersey

Insurance Company Low Medium High
Allstate $5,627 $6,183 $6,473
Farmers $7,121 $7,879 $8,745
GEICO $3,089 $3,570 $3,833
Liberty Mutual $8,056 $9,309 $9,729
Progressive $3,606 $4,075 $4,339
State Farm $9,428 $10,370 $10,875
Travelers $3,874 $4,266 $4,654

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Find Cheap Totowa, NJ Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Totowa. Compare auto insurance rates in Totowa, NJ by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Totowa, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,083 $6,106
Farmers $7,915 $7,915
GEICO $3,467 $3,528
Liberty Mutual $8,942 $9,120
Progressive $4,007 $4,007
State Farm $9,952 $10,497
Travelers $4,265 $4,265

Find Cheap Totowa, NJ Auto Insurance Rates by Driving Record

Auto insurance rates in Totowa, New Jersey are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Totowa, NJ, take a look at the average cost for various violations versus rates for a clean driving record in Totowa.

Annual Totowa, New Jersey Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,560 $7,607 $6,653 $5,556
Farmers $6,117 $10,431 $8,456 $6,654
GEICO $2,708 $3,577 $4,996 $2,708
Liberty Mutual $8,670 $9,933 $8,853 $8,670
Progressive $3,460 $4,619 $3,934 $4,014
State Farm $5,523 $10,118 $16,302 $8,955
Travelers $3,280 $4,840 $4,716 $4,223

Find Cheap Totowa, NJ Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Totowa, New Jersey is higher than for a clean driving record. You can buy auto insurance after a DUI in Totowa for less when you shop around and compare rates from multiple Totowa, NJ auto insurance companies.

Annual Auto Insurance Rates After a DUI in Totowa, New Jersey

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,653
Farmers $8,456
GEICO $4,996
Liberty Mutual $8,853
Progressive $3,934
State Farm $16,302
Travelers $4,716

Winners by Category: Where to Buy Cheap Auto Insurance in Totowa, NJ

Compare rates from the cheapest auto insurance companies in Totowa, NJ for your needs. Take a look at how Totowa, New Jersey auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Totowa, 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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Find Cheap Totowa, New Jersey Auto Insurance Companies

If you’re looking for the cheapest Totowa, NJ auto insurance companies overall, you can compare them here. Find the best price for Totowa, New Jersey car insurance by company.

Average Annual Auto Insurance Rates by Company in Totowa, New Jersey

Insurance Company Average Annual Rates
Allstate $6,094
Farmers $7,915
GEICO $3,497
Liberty Mutual $9,031
Progressive $4,007
State Farm $10,225
Travelers $4,265

What affects Totowa, New Jersey auto insurance rates?

Local factors affect auto insurance rates in Totowa, NJ, including traffic, theft statistics, and commute length. Take a look at the things that impact Totowa auto insurance rates.

Commute Times in Totowa

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Totowa, NJ is 27.4 minutes according to City-Data.

Compare Auto Insurance Quotes in Totowa, NJ

You can buy cheap Totowa, NJ auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Totowa, New Jersey auto insurance quotes from top companies.

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