Best Clifton, NJ Auto Insurance in 2025 (Your Guide to the Top 10 Companies)
Geico, Travelers, and Progressive offer the best Clifton, NJ auto insurance, with rates starting at $102 per month. With 1,250 annual accidents and an average claim cost of $4,800 in Clifton, these providers offer solid coverage, multi-policy discounts, and flexible options to reduce costs.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
UPDATED: Jan 20, 2025
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Full Coverage in Clifton NJ
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Full Coverage in Clifton NJ
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13,128 reviewsCompany Facts
Full Coverage in Clifton NJ
A.M. Best Rating
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13,128 reviewsGeico is the leading provider of the best Clifton, NJ auto insurance, offering the most affordable rates and comprehensive coverage. Other top providers include Travelers and Progressive, delivering competitive pricing and reliable service.
Geico’s low premiums, great customer service, and wide range of discounts make it a standout choice for various types of auto insurance coverage. Whether you prioritize cost or coverage, these three companies are the best options for Clifton drivers.
Our Top 10 Company Picks: Best Clifton, NJ Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A++ | Competitive Rates | Geico |
 | #2 | 13% | A++ | Comprehensive Coverage | Travelers |
 | #3 | 10% | A+ | Flexible Options | Progressive |
 | #4 | 25% | A+ | Extensive Discounts | Allstate |
 | #5 | 17% | B | Strong Network | State Farm |
 | #6 | 20% | A | Customizable Plans | Farmers |
 | #7 | 30% | A+ | High Satisfaction | Amica |
 | #8 | 25% | A | Digital Tools | Liberty Mutual |
 | #9 | 15% | A | Member Benefits | AAA |
 | #10 | 20% | A+ | Reliable Service | Nationwide |
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- The best Clifton, NJ auto insurance offers coverage at competitive rates
- The top auto insurance providers in Clifton tailor policies to driving records
- Fatal accidents in Clifton lead to higher insurance premiums
#1 – Geico: Top Overall Pick
Pros
- Competitive Rates: Geico offers affordable rates for Clifton drivers, making it one of the best options for budget-conscious customers seeking reliable Clifton insurance.
- Strong Financial Stability: A.M. Best’s A++ rating for its insurance offerings gives it stability and confidence in Clifton, NJ. For further insights, see our Geico Auto Insurance Review.
- Wide Range of Discounts: Clifton drivers can enjoy various discounts, including savings for multiple policies, making auto insurance more affordable.
Cons
- Limited Local Agents: Despite the digital strength, there could be fewer agents to visit in person when looking for service at Clifton, New Jersey.
- Customer Service Complaints: Many Clifton customers have mentioned delayed claims handling service, which could be a factor to consider when looking for reliable service.
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#2 – Travelers: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Travelers offers coverages like liability and collision to meet the needs of drivers in Clifton.
- Competitive Bundling Discounts: Clifton drivers save big by bundling policies for affordable insurance. To learn more, visit our Travelers Auto Insurance Review.
- Strong Claims Handling: Traveler’s customer service agents handle claims efficiently, hence providing timely services to auto insurance customers in Clifton.
Cons
- Higher Premiums for Young Drivers: New or younger drivers in Clifton may find Travelers’ rates higher than those of other providers.
- Limited Local Availability: Although Travelers offers great coverage, its local office network in Clifton may not be as extensive as some other providers.
#3 – Progressive: Best for Flexible Options
Pros
- Flexible Options: Progressive offers a range of auto insurance plans for drivers in Clifton, providing customers with flexible options.
- Snapshot Program: Clifton, NJ drivers can save on car insurance with the Snapshot program offered by Progressive, a safe driving program.
- Strong Online Tools: Its online tools assist Clifton drivers in efficiently managing policies and filing claims. Learn more in our Progressive Auto Insurance Review.
Cons
- Varied Coverage Quality: Some Clifton customers report discrepancies in auto insurance coverage quality depending on the state or region.
- Customer Service Challenges: While Progressive’s service is generally strong, Clifton policyholders have mentioned challenges with customer support during high-volume times.
#4 – Allstate: Best for Extensive Discounts
Pros
- Extensive Discounts: Allstate offers a variety of auto insurance discounts for Clifton drivers, including multi-car, safe driving, and bundling discounts.
- Local Agent Access: Local agents in the Allstate network provide Clifton customers with direct access to advice and support regarding their auto insurance policy.
- Customizable Policies: Drivers in Clifton, NJ, can customize their auto insurance coverage to suit their needs. Explore further details in Allstate Auto Insurance Review.
Cons
- Higher Rates for Younger Drivers: Allstate premiums are usually much higher for teenagers in Clifton, which makes it less accessible to younger people looking for a cheap insurance provider.
- Complex Policy Management: Many coverage options can make it overwhelming for Clifton customers to choose the best insurance plan.
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#5 – State Farm: Best for Strong Network
Pros
- Strong Network of Agents: State Farm has a great network of agents that Clifton residents can access for direct assistance with auto insurance policies.
- Competitive Bundling Discounts: Bundling its home and auto insurance can save Clifton, NJ drivers money, offering great value for comprehensive coverage.
- Wide Range of Coverage Options: State Farm offers various coverage options to drivers in Clifton, NJ, ensuring they can find auto insurance that suits them best.
Cons
- Lower A.M. Best Rating: With a B rating from A.M. Best, State Farm might not be as financially stable as other Clifton auto insurance providers, according to our State Farm Auto Insurance Review.
- Limited Digital Tools: State Farm excels at customer service, but its online tools are less robust than some of the competition, which may be a drawback for tech-savvy Clifton customers.
#6 – Farmers: Best for Customizable Plans
Pros
- Customizable Plans: As per our Farmers Auto Insurance Review, the company provides tailored policies, making it comfortable for Clifton residents to change coverage based on their needs.
- Strong Local Presence: With numerous agents in Clifton, NJ, Farmers provides the in-person support many drivers enjoy when handling their insurance policy.
- Discounts for Safe Drivers: Auto insurance discounts can lower the premiums of Clifton drivers who maintain a clean driving record.
Cons
- Higher Premiums for Older Cars: Clifton drivers with older vehicles may find that Farmers charges higher auto insurance premiums than other providers.
- Customer Service Issues: Some Clifton auto insurance customers have noted that Farmers can quickly respond to inquiries and claims, though not always consistently.
#7 – Amica: Best for High Satisfaction
Pros
- High Customer Satisfaction: With excellent ratings concerning customer satisfaction, Amica becomes a reliable car insurance provider that Clifton residents can rely upon.
- Generous Bundling Discounts: Clifton residents who bundle auto and home policies can enjoy great discounts on their premiums. For additional insights, refer to our Amica Auto Insurance Review.
- Excellent Claims Support: Amica’s responsive claims department is great at providing the assistance drivers in Clifton, NJ, may need.
Cons
- Limited Coverage Options: Amica might not offer as many tailored auto insurance options as larger providers, limiting choices for some Clifton, NJ drivers.
- Higher Initial Premiums: Some Clifton drivers find that Amica’s rates are initially higher than other providers, even after discounts are applied.
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#8 – Liberty Mutual: Best for Digital Tools
Pros
- Advanced Digital Tools: Liberty Mutual provides digital tools to help Clifton drivers manage auto insurance policies.
- Wide Range of Discounts: With discounts for safe driving and bundling, Clifton, NJ, drivers can keep on their premiums while enjoying strong coverage options.
- Customizable Coverage Options: Liberty Mutual allows Clifton residents to customize their policies to fit their needs. Explore further in our Liberty Mutual Auto Insurance Review.
Cons
- Higher Rates for New Drivers: New drivers in Clifton may find Liberty Mutual’s rates higher than some competitors.
- Complex Policy Terms: Some Clifton drivers have found the policy terms and conditions difficult to understand, complicating the insurance process.
#9 – AAA: Best for Member Benefits
Pros
- Member Benefits: AAA provides special benefits to its members, e.g., roadside assistance and discounts on several services, making it the best option for member drivers in Clifton, NJ.
- Discounts for Safe Driving: Clifton motorists with a good, responsible driving record can benefit from discounts and lower auto insurance rates.
Reliable Claims Service: AAA guarantees auto insurance customers in Clifton, NJ, fast and effective claims support.
Cons
- Limited Availability in Some Areas: Clifton residents may find AAA’s coverage unavailable in certain areas or regions. Our AAA Auto Insurance Review explores this further.
- Higher Premiums for Younger Drivers: Like many auto insurance companies, AAA’s rates for younger drivers in Clifton may be less competitive than those of other options.
#10 – Nationwide: Best for Reliable Service
Pros
- Reliable Service: Nationwide is reliable in service with strong customer support, making it a good fit for Clifton drivers who would like stability.
- Strong Financial Stability: With an A+ rating from A.M. Best, Nationwide ensures financial security and peace of mind to drivers in Clifton, NJ.
- Generous Discounts: Nationwide has a range of discounts that would help residents in Clifton cut down car insurance costs.
Cons
- Higher Premiums for Younger Drivers: Nationwide’s premiums for younger drivers in Clifton can be higher. Access more details in our Nationwide Auto Insurance Review.
- Limited Customization Options: Clifton clients seeking highly customizable policies may find Nationwide’s offerings more standardized than competitors’.
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Auto Insurance Requirements in Clifton, NJ
Auto insurance is a critical safeguard for Clifton, NJ drivers, emphasizing its role in protecting drivers from unforeseen liabilities, as outlined by New Jersey’s coverage requirements.
Auto Insurance Coverage Requirements in New Jersey
| Coverage Type | Minimum Requirement | Details |
|---|---|---|
| Bodily Injury Liability | $15,000 per person / $30,000 per accident | Covers injuries to others in an accident you cause |
| Property Damage Liability | $5,000 per accident | Covers damage to others' property in an accident you cause |
| Personal Injury Protection (PIP) | $15,000 per person | Covers medical expenses for you and your passengers regardless of fault |
| Uninsured Motorist (UM) | Optional | Covers injuries/damages if the at-fault driver lacks insurance |
| Underinsured Motorist (UIM) | Optional | Covers injuries/damages if the at-fault driver has insufficient coverage |
| Comprehensive Coverage | Optional | Covers non-collision-related damages (e.g., theft, fire, natural disasters) |
| Collision Coverage | Optional | Covers damages to your car from collisions regardless of fault |
| Medical Expenses | Optional (can exceed PIP limits) | Additional coverage for medical costs beyond PIP |
As you can see, New Jersey mandates minimum coverage of $15,000 per person for bodily injury and $5,000 for property damage, but higher limits like $100,000/$300,000 offer stronger financial protection. These enhanced policies help safeguard against costly medical bills or property repairs in severe accidents in Clifton.
Considering these coverage limits, comparing Clifton, NJ, auto insurance rates helps you find the best cost-to-coverage balance.
Here are monthly rates for both minimum and full coverage from top insurers:
Clifton, NJ Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $132 | $156 |
| $155 | $164 |
| $147 | $169 |
| $178 | $189 |
| $116 | $128 |
| $160 | $210 |
| $140 | $182 |
| $136 | $163 |
| $185 | $200 |
| $102 | $124 |
Providers such as Geico and Travelers offer minimum coverage rates starting at $116 and $102, making compliance with minimum car insurance requirements affordable for many Clifton residents. Balancing these costs and coverage ensures Clifton drivers meet legal requirements while securing adequate protection.
How Accident Claims and Coverage Affect Auto Insurance in Clifton
Accidents significantly affect Clifton, NJ’s auto insurance claims and coverage, influencing premium rates and policy terms. Understanding this relationship helps Clifton drivers make informed coverage decisions. Here is a quick look at the table showing the fatal accidents in Clifton, NJ:
Fatal Accidents in Clifton, NJ
| Factor | Value |
|---|---|
| Total Fatal Accidents in NJ (2022) | 646 |
| Fatalities in NJ (2022) | 689 |
| Alcohol-Impaired Fatalities (2021) | 125 (18% of total fatalities) |
| Pedestrian Fatalities Increase | 24% (2011–2021) |
| Highest Pedestrian Fatalities Year | 2021 (Highest since 1989) |
| Behavioral Factors (Statewide) | Speeding and alcohol impairment |
| Fatal Accidents in Clifton, NJ | Data not explicitly available; recommend local authority |
Fatal accidents in Clifton, NJ, contribute to higher insurance premiums statewide, with New Jersey reporting 646 fatal accidents. Alcohol impairment and speeding are common factors in these accidents, which can lead to increased rates and stricter coverage requirements for drivers in the area.
Clifton, NJ Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Average Annual Accidents | 1,250 |
| Average Annual Claims | 3,400 |
| Average Claim Cost | $4,800 |
| Percentage of Claims Approved | 85% |
| Most Common Claim Type | Collision |
| Average Time to Settle Claims | 30 days |
Clifton experiences about 1,250 accidents and 3,400 claims annually, resulting in significant costs for insurance companies. Approximately 85% of claims are approved and settled within 30 days, highlighting the efficient claims processing in the region.
The average claim cost in Clifton, NJ, is $4,800. If you’re seeking insurers to help reduce this cost, Amica is a great option, as it offers a claim-free discount.
Kristen Gryglik Licensed Insurance Agent
Accidents in Clifton, NJ, influence auto insurance costs and coverage levels. More claims, particularly from severe accidents, often lead to higher premiums and a need for comprehensive and collision coverage to manage financial risks effectively.
Maximizing Clifton, NJ Auto Insurance Discounts
Clifton drivers have several opportunities to reduce their auto insurance premiums through various discounts, with some providers offering unique options to make coverage more affordable. Let us first look at how auto insurance premiums in Clifton perform:
Clifton, NJ Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Coverage Options | A | Wide range of policies available |
| Claims Process | A- | Fast and efficient claims handling |
| Discounts | B+ | Several discount opportunities offered |
| Customer Satisfaction | B | Mixed reviews on service quality |
Clifton’s auto insurance providers offer excellent coverage options (Grade A) and a fast claims process (Grade A-). The table suggests that while the premiums and coverage are strong, the consistency of service quality might be lacking. Here are the available discounts that might help residents choose their auto insurance:
Auto Insurance Discounts From the Top Providers in Clifton, NJ
| Insurance Company | Available Discounts |
|---|---|
| Membership, Bundling, Good Student, New Car, Safe Driver, Loyalty |
| Safe Driver, Bundling, Early Signing, New Car, Anti-Theft Device, Good Student |
| Loyalty, Bundling, Claim-Free, Good Student, AutoPay, Defensive Driving |
| Bundling, Good Student, Signal Program, Homeownership, Safe Driver, Alternative Fuel |
| Bundling, Good Student, Defensive Driving, Military, Safe Driver, Vehicle Safety Equipment |
| RightTrack Program, Bundling, Military, Safe Driver, Early Shopper, Hybrid Vehicle |
| SmartRide Program, Bundling, Anti-Theft Device, Good Student, Accident-Free, Paperless Billing |
| Snapshot Program, Bundling, Continuous Coverage, Homeowner, Pay in Full, Good Student |
| Drive Safe & Save, Steer Clear Program, Bundling, Good Student, Defensive Driving, Vehicle Safety |
| Bundling, Safe Driver, Hybrid Vehicle, Home Ownership, Continuous Insurance, New Car |
The table shows that top insurers like AAA, Geico, and Allstate provide discounts for multiple policies, good students, and safe drivers.
Additionally, the claim-free discount is a great way for drivers to lower their premiums, as insurers like Amica and Progressive reward accident-free records with substantial savings.
Importance of Driving Records for Auto Insurance in Clifton, NJ
A clean driving record is a crucial factor in determining auto insurance premiums in Clifton, NJ, as it significantly influences rates offered by insurers. Let’s go through this table:
Clifton, NJ Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $120 | $145 | $175 | $220 |
| $135 | $160 | $190 | $240 |
| $115 | $140 | $170 | $215 |
| $125 | $150 | $180 | $230 |
| $110 | $135 | $165 | $210 |
| $140 | $165 | $200 | $250 |
| $120 | $145 | $175 | $225 |
| $130 | $155 | $185 | $235 |
| $115 | $140 | $170 | $215 |
| $125 | $150 | $180 | $225 |
Clifton drivers with a clean record pay lower premiums than those with violations, with rates increasing by up to $70 for a ticket, accident, or DUI. For example, Geico offers a rate of $110 for a clean record, but the cost jumps to $175 for a single accident.
Clifton, NJ Auto Insurance by Credit Score
| Insurance Company | Good Credit | Fair Credit | Poor Credit |
|---|---|---|---|
| $105 | $130 | $170 |
| $120 | $145 | $190 |
| $90 | $115 | $155 |
| $115 | $140 | $185 |
| $95 | $120 | $160 |
| $125 | $150 | $200 |
| $95 | $120 | $165 |
| $105 | $130 | $175 |
| $100 | $125 | $165 |
| $110 | $135 | $180 |
Similarly, credit scores impact rates, with good credit resulting in lower premiums. AAA, for example, charges $105 for good credit, whereas rates rise to $170 for poor credit.
Maintaining a clean driving record and good credit score affects car insurance premiums, making it essential for securing Clifton, NJ’s best auto insurance rates. These factors help insurers assess risk, leading to significant savings on premiums.
Choosing the Best Clifton, NJ Auto Insurance
Choosing the best Clifton, NJ auto insurance involves comparing providers based on coverage options and premiums. In Clifton, NJ, Geico offers minimum coverage starting at $116 and full coverage at $204, while Travelers starts at $102 for minimum and $193 for full coverage.
Accident history significantly affects insurance premiums, as rates can rise by up to $70 after a single accident. Clifton reports about 1,250 accidents annually, leading to higher premiums.
With 1,250+ accidents annually in Clifton, NJ, insurance premiums can be higher. However, maintaining a clean driving record can help you qualify for discounts, like Geico’s 25% multi-policy discount, to lower costs.
Daniel Walker Licensed Insurance Agent
You can secure the most affordable and reliable auto insurance coverage options by comparing auto insurance and maintaining a clean driving record in Clifton, NJ.
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Frequently Asked Questions
How do auto insurance quotes in Clifton, NJ, change after a single accident?
In Clifton, NJ, auto insurance premiums increase by $30 to $60 per month for drivers with one accident, depending on the provider. Geico offers the lowest premium increase for affordable auto insurance in NJ, while Liberty Mutual has the highest increase after an accident.
How do coverage limits vary among car insurance agents in Clifton?
Coverage limits in Clifton vary between providers, with Geico offering minimum coverage at $116 and State Farm offering greater limits for additional protection. Comparing car insurance rates in NJ from companies like Geico and State Farm is useful to see how these limits change.
Why does collision coverage influence the cost of cheap auto insurance in NJ?
Collision and comprehensive auto insurance coverage influences the cost of inexpensive car insurance in NJ because it adds protection against vehicle damage from accidents, raising the overall risk for insurers. This increased risk typically results in higher premiums, even for cheap auto insurance options.
How does having good credit impact purchasing low-cost car insurance in NJ?
Good credit can lower premiums when purchasing low-cost car insurance in NJ, as insurance companies in Clifton offer better rates for drivers with good credit. For example, Amica charges as low as $90 for good credit, while poor credit drivers may pay up to $170, impacting the affordability of the best car insurance in New Jersey.
Are there discounts available for cheap auto insurance in NJ for new drivers?
New drivers can find the cheapest auto insurance in New Jersey, particularly in Clifton, by taking advantage of discounts, such as those for good driving behavior or bundling policies. Providers like Geico and Progressive offer these discounts, which can help lower premiums for new drivers.
How does a DUI affect cheap auto insurance in NJ for high-risk drivers?
A DUI causes a substantial increase in Clifton, NJ, high-risk auto insurance rates, with premiums rising by up to $60 per month compared to drivers with a clean record. Providers like AAA and Allstate show rates ranging from $220 to $240 for drivers with one DUI, reflecting the higher risk.
What is the impact of a $4,800 claim cost on car insurance quotes in Clifton?
A $4,800 claim cost can raise auto insurance quotes in Clifton as insurers consider the possibility of future claims. Higher claim costs lead to raised premiums, evident in the difference between rates for clean records and those with accidents or DUIs, such as AAA’s increase from $120 to $175.
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Can a single ticket impact car insurance quotes in Clifton more than your credit score?
How does cheap liability car insurance coverage in NJ impact property damage liability?
Cheap liability car insurance coverage in NJ impacts property damage liability by ensuring the minimum required coverage of $5,000 per accident. While affordable options meet this requirement, higher coverage limits may be necessary for better protection, as offered by some car insurance companies in Clifton.