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Finding the cheapest car insurance quotes in Woodbridge shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Woodbridge
The car insurance rate in Woodbridge is $1223 for a six-month policy, which is $101 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $841, making it a popular choice for budget-conscious drivers. Rates in Woodbridge 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.
At $841 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 $1004 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 $1017
for six months, making it
the third cheapest auto insurance company in Woodbridge.
Woodbridge Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Woodbridge, NJ is New Jersey Manufacturers, offering policies at just $841 for a six-month term. This is followed by NJM, which has an average six-month premium of $1004.
At the higher end of the spectrum, National General is the most expensive, with rates reaching $1107 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Woodbridge drivers find the best deals.
Way's key takeaways about car insurance in Woodbridge
The auto insurance costs in Woodbridge fall around $841 for six
months.
The cheapest auto insurance company in Woodbridge is New Jersey Manufacturers.
Teen drivers pay the highest rate in Woodbridge at $1150 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Woodbridge
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 Woodbridge are given below.
New Jersey Manufacturers provides
the cheapest minimum car insurance
coverage in Woodbridge. Their Average 6 Month Premium is $388.
National General is the most
expensive at $408 for the same
period.
Cheapest Full Coverage Car Insurance in Woodbridge
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 Woodbridge is New Jersey Manufacturers
at $143 per month and $841
for six months.
Cheapest Full Coverage Car Insurance Quotes in Woodbridge,
NJ
Get Your Car Insurance Quote in Woodbridge
Instantly!
Average Car Insurance in Woodbridge 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 Woodbridge, NJ increasing?
Despite maintaining a clean driving record, your car insurance rates
in Woodbridge, 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, Woodbridge's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Woodbridge
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
$836
30s
NJM
$650
40s
NJM
$602
50s
NJM
$555
60s
NJM
$511
Cheapest Car Insurance Rates for Teen Drivers in
Woodbridge,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 Woodbridge at $99
per
month. At $6766 for a six-month premium,
Farmers offers the most expensive rate for
teen drivers.
If you are in your twenties NJM is
the best choice for car
insurance in Woodbridge.
As young drivers face the highest rates in Woodbridge, NJM
offers the cheapest auto insurance rates at $836 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 Woodbridge,
Amica Mutual is
the cheapest car insurance provider. At $712 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
Woodbridge is Farmers, offering
rates of around $6112 for six
months.
Save up to $971/yr on car insurance rates in Woodbridge.
Car Insurance Rates with An Accident in Woodbridge
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 Woodbridge, NJ,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Woodbridge
The cheapest car insurance companies after an at-fault accident in
Woodbridge include New Jersey Skylands Insurance
and NJM, offering $687
and $705,
respectively. National General is an expensive provider
with an average six-month premium of
$473.
Here is a list of driving violations that can increase your car
insurance rates in Woodbridge NJ. For example, the car
insurance in Woodbridge
after a DUI increases to $1374 for a six
month policy. While the rate increases by $189 for a six-month policy in the case of
a speeding ticket.
Woodbridge auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1262
$210
One Med/PIP claim
$1269
$216
Not-at-fault accident
$1328
$221
One comp claim
$1341
$228
Two Med/PIP claims
$1347
$225
Speeding 6 - 10 MPH over limit
$1451
$246
Speeding 11 - 15 MPH over limit
$1457
$243
Two comp claims
$1457
$247
Failure to show documents
$1476
$246
At-fault accident - less than $1000
$1495
$254
Failure to wear a seat belt
$1515
$253
Driving too slowly
$1522
$258
Driving without lights
$1528
$255
Child safety restraint
$1554
$264
Driving with expired registration
$1554
$259
Wrong way/wrong lane
$1579
$268
Failure to yield
$1586
$265
Failure to stop at a red light
$1592
$270
Illegal turn
$1619
$270
Cell phone violation
$1638
$279
Texting while driving
$1638
$273
Speeding in school zone
$1664
$283
Operating a vehicle without permission
$1671
$278
Speeding 16 - 20 MPH over limit
$1671
$284
Improper passing
$1709
$284
Following too closely
$1716
$292
Passing school bus
$1787
$298
In 65 MPH zone
$1800
$306
Speeding 21 - 25 MPH over limit
$1858
$310
At-fault accident - $1000-$2000
$1910
$325
At-fault accident - greater than $2000
$1923
$320
Open container
$2149
$365
Reckless driving
$2519
$420
Leaving scene of an accident/hit and run
$2616
$445
DUI
$2636
$439
Refusal to submit to a chemical test
$2636
$448
Racing
$2642
$440
Driving with a suspended license
$2746
$467
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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 Woodbridge 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 Woodbridge.
The cheapest car insurance premiums in
Woodbridge are
offered by Plymouth Rock at $771 for a six-month policy.
However, it can be as
expensive as $5627 with companies
like Amica Mutual.
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 Woodbridge are offered by Plymouth Rock
at $705. However,
it can be as expensive as $2551
with companies like Farmers for a similar
six-month premium.
Cheapest Car Insurance in Woodbridge after Speeding ticket
Car Insurance Price Trends in Woodbridge,
New Jersey
Car insurance rates in Woodbridge have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Woodbridge rose by
$268 in December
compared to $265 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 Woodbridge rose to $94 in December,
compared to $90 in November.
This represents an increase of $4
when comparing December and November.
Average Car Insurance Cost in Woodbridge by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Woodbridge. At $2445 for a
six-month policy, insuring
your car at 7095 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Woodbridge?
The car insurance in Woodbridge is $64 per month, which is lower than the national average.
What is the cheapest car insurance in Woodbridge?
The cheapest car insurance in Woodbridge
is $143 per month
for full coverage.
How much is car insurance in Woodbridge for teenagers?
Car insurance for teenagers costs $583 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
Woodbridge?
The average cost of car insurance is $1122 for a six-month
policy. It will cost around $206 per month to insure your
car in Woodbridge.
Is car insurance expensive in Woodbridge?
Car insurance can be expensive in Woodbridge if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Woodbridge can be
affordable.
What is the best car insurance in Woodbridge,
NJ?
The best car insurance company in Woodbridge
NJ is
New Jersey Manufacturers, offering $841 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Woodbridge, NJ
Car Insurance Rates by State in the USA (2025 Update)
Woodbridge Car Insurance
