Cheapest Car Insurance Quotes in South Bound Brook

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South Bound Brook Car Insurance

^$ 58

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in South Bound Brook

The car insurance rate in South Bound Brook is $1111 for a six-month policy, which is $11 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $764, making it a popular choice for budget-conscious drivers. Rates in South Bound Brook can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in South Bound Brook

$1111

Avg. Car Insurance in New Jersey

$1122

National Average

$1140

Cheapest Car Insurance Companies in South Bound Brook

1st place: New Jersey Manufacturers

At $764 for a six month policy, New Jersey Manufacturers offers the cheapest auto insurance rates in the city.

2nd place: NJM

NJM offers auto insurance rates at $912 for a six-month policy, making it one of the cheapest to insure with.

3rd place: New Jersey Skylands Insurance

New Jersey Skylands Insurance offers auto insurance rates at $924 for six months, making it the third cheapest auto insurance company in South Bound Brook.

South Bound Brook Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in South Bound Brook, NJ is New Jersey Manufacturers, offering policies at just $764 for a six-month term. This is followed by NJM, which has an average six-month premium of $912.

At the higher end of the spectrum, National General is the most expensive, with rates reaching $1006 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help South Bound Brook drivers find the best deals.

Cheap Car Insurance Companies in South Bound Brook, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$764	$130
NJM	$912	$153
New Jersey Skylands Insurance	$924	$157
Progressive	$935	$157
Plymouth Rock	$994	$167
Allstate	$1124	$189
Travelers	$1158	$195
State Farm	$1235	$208
Amica Mutual	$1294	$220
Selective	$1346	$225
Farmers	$1640	$279
National General	$1006	$171

Key Takeaways

Way's key takeaways about car insurance in South Bound Brook

The auto insurance costs in South Bound Brook fall around $764 for six months.
The cheapest auto insurance company in South Bound Brook is New Jersey Manufacturers.
Teen drivers pay the highest rate in South Bound Brook at $1044 per month.

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Cheapest Minimum Liability Car Insurance in South Bound Brook

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in South Bound Brook are given below.

New Jersey Manufacturers provides the cheapest minimum car insurance coverage in South Bound Brook. Their Average 6 Month Premium is $352. National General is the most expensive at $370 for the same period.

Cheapest Liability Coverage in South Bound Brook, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$352	$58
Plymouth Rock	$442	$74
Progressive	$442	$74
NJM	$476	$80
New Jersey Skylands Insurance	$518	$86
State Farm	$524	$88
Amica Mutual	$530	$88
Travelers	$530	$89
Amica	$606	$101
Selective	$641	$109
Allstate	$658	$111
Farmers	$1064	$181
National General	$370	$63

Cheapest Full Coverage Car Insurance in South Bound Brook

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in South Bound Brook is New Jersey Manufacturers at $130 per month and $764 for six months.

Cheapest Full Coverage Car Insurance Quotes in South Bound Brook, NJ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Manufacturers	$764	$130
NJM	$912	$153
New Jersey Skylands Insurance	$924	$157
Progressive	$935	$157
Plymouth Rock	$994	$167
Allstate	$1124	$189
Travelers	$1158	$195
State Farm	$1235	$208
Amica Mutual	$1294	$220
Selective	$1346	$225
Farmers	$1640	$279
National General	$1006	$171

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Average Car Insurance in South Bound Brook by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in South Bound Brook, NJ increasing?

Despite maintaining a clean driving record, your car insurance rates in South Bound Brook, New Jersey, may be increasing due to several external factors. New Jersey has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, South Bound Brook's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in South Bound Brook

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	NJM	$759
30s	NJM	$590
40s	NJM	$546
50s	NJM	$504
60s	NJM	$464

Cheapest Car Insurance Rates for Teen Drivers in South Bound Brook,NJ

If you are planning to get a car insurance policy for your teenage dependent, New Jersey Skylands Insurance provides the cheapest car insurance in the South Bound Brook at $90 per month. At $6145 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$530	$90
Selective	$664	$111
NJM	$1012	$170
New Jersey Manufacturers	$1752	$292
Travelers	$2452	$413
Plymouth Rock	$2628	$443
Allstate	$2634	$444
Progressive	$2870	$483
Amica Mutual	$3099	$527
State Farm	$3399	$572
Farmers	$6145	$1044

Teen Car Insurance Rates in NJ by Age

Way Tip

If you are in your twenties NJM is the best choice for car insurance in South Bound Brook.

As young drivers face the highest rates in South Bound Brook, NJM offers the cheapest auto insurance rates at $759 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in South Bound Brook, Amica Mutual is the cheapest car insurance provider. At $646 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in South Bound Brook is Farmers, offering rates of around $5551 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$646	$110
New Jersey Skylands Insurance	$812	$136
Foremost	$906	$154
NJM	$1094	$184
Progressive	$1106	$186
Plymouth Rock	$1435	$242
Allstate	$2452	$417
Travelers	$3528	$588
State Farm	$5369	$913
Farmers	$5551	$926

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Car Insurance Rates with An Accident in South Bound Brook

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In South Bound Brook, NJ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in South Bound Brook

The cheapest car insurance companies after an at-fault accident in South Bound Brook include New Jersey Skylands Insurance and NJM, offering $624 and $641, respectively. National General is an expensive provider with an average six-month premium of $430.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
New Jersey Skylands Insurance	$624	$104
NJM	$641	$108
New Jersey Manufacturers	$806	$135
Plymouth Rock	$812	$137
Selective	$935	$155
Amica Mutual	$1000	$168
Progressive	$1246	$210
State Farm	$1906	$321
Travelers	$2011	$339
Allstate	$2805	$472
Farmers	$5063	$843
National General	$430	$71

South Bound Brook Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in South Bound Brook NJ. For example, the car insurance in South Bound Brook after a DUI increases to $1248 for a six month policy. While the rate increases by $172 for a six-month policy in the case of a speeding ticket.

South Bound Brook auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1146	$191
One Med/PIP claim	$1152	$196
Not-at-fault accident	$1206	$201
One comp claim	$1218	$207
Two Med/PIP claims	$1224	$204
Speeding 6 - 10 MPH over limit	$1318	$224
Speeding 11 - 15 MPH over limit	$1324	$221
Two comp claims	$1324	$225
Failure to show documents	$1340	$224
At-fault accident - less than $1000	$1358	$231
Failure to wear a seat belt	$1376	$230
Driving too slowly	$1382	$235
Driving without lights	$1388	$232
Child safety restraint	$1412	$240
Driving with expired registration	$1412	$236
Wrong way/wrong lane	$1435	$244
Failure to yield	$1440	$241
Failure to stop at a red light	$1446	$246
Illegal turn	$1470	$246
Cell phone violation	$1488	$253
Texting while driving	$1488	$248
Speeding in school zone	$1512	$257
Operating a vehicle without permission	$1518	$252
Speeding 16 - 20 MPH over limit	$1518	$258
Improper passing	$1552	$258
Following too closely	$1558	$265
Passing school bus	$1623	$270
In 65 MPH zone	$1634	$278
Speeding 21 - 25 MPH over limit	$1688	$281
At-fault accident - $1000-$2000	$1734	$295
At-fault accident - greater than $2000	$1746	$291
Open container	$1952	$332
Reckless driving	$2288	$381
Leaving scene of an accident/hit and run	$2376	$404
DUI	$2394	$399
Refusal to submit to a chemical test	$2394	$407
Racing	$2400	$400
Driving with a suspended license	$2494	$424

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in South Bound Brook after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in South Bound Brook.

The cheapest car insurance premiums in South Bound Brook are offered by Plymouth Rock at $700 for a six-month policy. However, it can be as expensive as $5110 with companies like Amica Mutual.

South Bound Brook car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$700	$118
NJM	$770	$130
Foremost	$794	$135
Progressive	$894	$150
Mercury	$918	$156
New Jersey Manufacturers	$988	$164
Selective	$1046	$178
Allstate	$1494	$251
Travelers	$1558	$262
State Farm	$4546	$765
Farmers	$5034	$856
Amica Mutual	$5110	$851

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in South Bound Brook are offered by Plymouth Rock at $641. However, it can be as expensive as $2317 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in South Bound Brook after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Plymouth Rock	$641	$108
NJM	$812	$137
Progressive	$918	$154
State Farm	$1300	$221
Allstate	$1964	$328
Travelers	$2064	$351
Farmers	$2317	$386

Car Insurance Price Trends in South Bound Brook, New Jersey

Car insurance rates in South Bound Brook have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the South Bound Brook rose by $244 in December compared to $241 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the South Bound Brook rose to $85 in December, compared to $82 in November. This represents an increase of $3 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in South Bound Brook?

The car insurance in South Bound Brook is $58 per month, which is lower than the national average.

What is the cheapest car insurance in South Bound Brook?

The cheapest car insurance in South Bound Brook is $130 per month for full coverage.

How much is car insurance in South Bound Brook for teenagers?

Car insurance for teenagers costs $530 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in South Bound Brook?

The average cost of car insurance is $1122 for a six-month policy. It will cost around $187 per month to insure your car in South Bound Brook.

Is car insurance expensive in South Bound Brook?

Car insurance can be expensive in South Bound Brook if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in South Bound Brook can be affordable.

Cheapest Car Insurance Quotes in South Bound Brook

Why you can trust Way?

How Much Is Car Insurance in South Bound Brook

Avg. Car Insurance in South Bound Brook

Avg. Car Insurance in New Jersey

National Average

Cheapest Car Insurance Companies in South Bound Brook

1st place: New Jersey Manufacturers

2nd place: NJM

3rd place: New Jersey Skylands Insurance

South Bound Brook Car Insurance Rates by Company

Cheap Car Insurance Companies in South Bound Brook, NJ

Way's key takeaways about car insurance in South Bound Brook

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in South Bound Brook

Cheapest Liability Coverage in South Bound Brook, NJ

Cheapest Full Coverage Car Insurance in South Bound Brook

Cheapest Full Coverage Car Insurance Quotes in South Bound Brook, NJ

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in South Bound Brook by Rating Factor

I have a clean driving record. Why is my car insurance rate here in South Bound Brook, NJ increasing?

Car Insurance Premiums by Age in South Bound Brook

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in South Bound Brook,NJ

If you are in your twenties NJM is the best choice for car insurance in South Bound Brook.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in South Bound Brook

Cheapest Car Insurance Companies after an At-Fault Accident in South Bound Brook

South Bound Brook Car Insurance Rates by Violation

South Bound Brook auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in South Bound Brook after a DUI

South Bound Brook car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in South Bound Brook after Speeding ticket

Car Insurance Price Trends in South Bound Brook, New Jersey

Average Car Insurance Cost in South Bound Brook by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near South Bound Brook, NJ

Car Insurance Rates by State in the USA (2025 Update)

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