Clifton, NJ Car Insurance

Clifton drivers pay, on average, around $114 a month for their car insurance. To learn more about what you're likely to pay in the Clifton area, read our guide below.
What should residents of Clifton expect to pay for their car insurance? How does Clifton compare to the surrounding area and the rest of New Jersey? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Clifton?

Area Average Monthly Car Insurance Premium
Clifton$114
NJ$107
United States$80

Auto insurance policies in Clifton are about $7 a month more expensive than the rest of New Jersey.

If you're considering relocating to Clifton from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $34 more for your policy in Clifton.

While these are the average car insurance rates for Clifton, you could end up paying something different. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

Don't sweat it however, we've broken down average rates for Clifton residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$191
25-34$107
35-44$104
45-54Not Enough Data
55-64$93
65+$109

The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. You may see your rates creep back up a bit once you hit retirement age in Clifton.

Average Car Insurance Rates by Gender

Gender Average
Male$114
Female$114

Car insurance rates for female drivers are usually cheaper than those for male drivers. Male and female drivers in Clifton, however, both pay the same monthly amount to insure their car.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$131
Multiple Accidents$121
1 Ticket$142
Multiple Tickets$123

Depending on your driving record, your rates can vary wildly. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Clifton, a driving record with a single accident will usually get you a rate around $131 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $142.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$203
2-3 Years$103
4-5 Years$97
6-7 Years$92
8-10 Years$112
11-14 Years$123
15 Years or Older$117

In terms of affordable coverage, the cheapest vehicles to insure in Clifton are typically trucks and vans, at $91 per month.

SUV drivers will see rates of about $107, while the rates for car owners average out to about $119 per month.

The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Clifton, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$116
Married$108
Divorced$113
Widowed$102

Generally speaking, those who are currently married will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Clifton as well, where the difference is around $8 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$99
Rent$114
Live with parents$181

Another factor taken into consideration is your housing status. If you rent your home or apartment in Clifton, expect to pay around $15 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.

That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.

Car Insurance Companies in Clifton, NJ

Recent trends in car insurance for Clifton drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Clifton, the rates for car insurance rose from 2016-2017, but began to turn downward in 2018. This pattern has continued through 2021 when rates have most recently hit $81 a month.

How does Clifton compare to neighboring areas?

Why are car insurance rates in Clifton different from other areas?

Car insurance companies look at a number of factors when they're deciding how much to charge for a policy. A few of these factors affecting your personal policy have already been mentioned, but others are based around your home address. These include things like:

  • Off-street parking availability
  • Regional laws
  • Total drivers
  • Road Safety (frequency of car accidents)
  • Local crime rates

You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Clifton?

While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Clifton.

Compare the cheapest quotes from dozens of insurance companies

Clifton Insurance FAQs

What factors affect car insurance quotes in Clifton?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Clifton different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Clifton?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Clifton?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Clifton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes