Cheapest Auto Insurance in Clifton, NJ

• Compact crossovers and SUVs like the Nissan Kicks, Subaru Crosstrek, and Toyota Corolla Cross are our top picks for having the cheapest auto insurance in Clifton.
• Vehicles with the lowest cost auto insurance for their segment include the Hyundai Ioniq 6, Infiniti QX80, Chrysler 300, and Subaru Crosstrek.
• Auto insurance quotes in Clifton can range from as low as $35 per month for minimum liability limits to over $652 per month for accident or violation prone drivers.
• On average, car insurance in Clifton costs $395 per year more than the U.S. national average of $1,883.

Cheapest cars to insure in Clifton

The vehicles with the cheapest auto insurance rates in Clifton, NJ, tend to be crossover SUVs like the Kia Soul, Subaru Crosstrek, and Buick Envision.

Average car insurance prices for cars and SUVs that rank in the top 10 cost $1,870 or less per year ($156 per month) for a policy with full coverage.

Some additional models that rank in the top 20 in the comparison table below are the Subaru Outback, Buick Encore, Honda CR-V, and Volkswagen Taos. Average rates are slightly more for those models than the cheapest compact SUVs and crossovers that rank near the top, but they still have an average cost of $163 or less per month in Clifton.

The following table breaks down the top 50 cheapest vehicles to insure in Clifton, sorted by annual and monthly insurance cost.

A few other popular models ranking in the top 50 table above include the Volkswagen ID4, the Nissan Leaf, the Toyota Venza, the Toyota RAV4, and the Mazda MX-5 Miata. Auto insurance rates for those vehicles fall between $1,956 and $2,128 per year in Clifton.

To see how cheap these rates are, a few examples of more expensive insurance rates include the Ford Mustang Mach-E which costs $222 per month, the Toyota Tundra that costs $226, and the Infiniti Q50 which averages $215.

And for very high insurance rates in Clifton, performance and luxury models like the BMW Alpina B8, Acura NSX, Mercedes-Benz Maybach GLS 600, and BMW M5 have rates that can cost as much as triple the rates of the cheapest vehicles.

This next article section discusses the average price of car insurance in Clifton for each vehicle segment. The rates shown will provide a decent idea of which vehicles have the cheapest average auto insurance rates. Then the six sections following the chart break out the most affordable auto insurance in the most popular segments.

Types of vehicles with the cheapest car insurance

If you’re shopping for a new or “new to you” vehicle, it’s a good idea to have a basic understanding of which types of vehicles have more affordable car insurance rates. For example, some people wonder if compact cars are cheaper to insure than midsize cars or if heavy duty pickups have more expensive insurance than half-ton pickups.

The next chart shows average car insurance rates by segment in Clifton. In general, small SUVs and midsize pickups have the best rates, with luxury, performance, and sports cars having the most expensive average cost to insure.

Rates by different vehicle segments can be used to make an overall comparison, but insurance rates for specific models range quite significantly within each automotive segment displayed in the previous chart.

For example, in the small luxury SUV segment, average Clifton auto insurance rates range from the Acura RDX at $1,906 per year for a full coverage policy up to the Aston Martin DBX at $4,438 per year, a difference of $2,532 just within that segment.

In the midsize truck segment, rates can vary from the Chevrolet Colorado at $1,952 per year to the Rivian R1T at $2,842 per year.

And in the midsize car segment, rates range from the Hyundai Ioniq 6 at $2,094 per year up to the Tesla Model 3 costing $2,678 per year, a difference of $584 just within that segment.

Average cost of car insurance in Clifton

Average car insurance rates in Clifton cost $2,278 per year, or approximately $190 per month. That’s 19% more expensive than the overall overall U.S. national average rate of $1,883 per year.

The average cost to insure a vehicle in Clifton is about the same as the average auto insurance premium for the state of New Jersey.

When compared to other locations in New Jersey, the cost to insure a vehicle in Clifton is $314 per year cheaper than in Paterson, $8 per year more expensive than in Jersey City, and $382 per year cheaper than in Newark.

The next chart shows a summary of auto insurance rates in Clifton for 2024 model year vehicles, averaged based on a wide range of driver ages, policy deductibles, and potential risk scenarios.

Average car insurance rates in the previous chart range from $1,896 per year for a 40-year-old driver who receives an exceptional discount rate to $5,242 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance.

When the rates shown in the chart are converted to monthly figures, the average cost of car insurance per month in Clifton ranges from $158 to $437.

Car insurance rates are not static and minor changes in personal situations can cause large price changes. The potential for large variability reinforces the need for accurate auto insurance quotes when shopping online for the cheapest car insurance in Clifton, New Jersey.

Driver age has the single biggest impact on the price of auto insurance. The list below details how driver age influences cost by breaking down average car insurance rates in Clifton for drivers from 16 to 60.

Average cost of car insurance in Clifton by driver age

• 16 year old – $8,119 per year or $677 per month
• 17 year old – $7,864 per year or $655 per month
• 18 year old – $7,048 per year or $587 per month
• 19 year old – $6,419 per year or $535 per month
• 20 year old – $4,586 per year or $382 per month
• 30 year old – $2,432 per year or $203 per month
• 40 year old – $2,278 per year or $190 per month
• 50 year old – $2,020 per year or $168 per month
• 60 year old – $1,894 per year or $158 per month

Cost of car insurance for popular models

The car insurance rates discussed up to this point are the average cost across all 2024 model year vehicles, which is useful for making broad comparisons like the cost difference between two locations.

Average auto insurance rates are excellent when trying to find the answer to questions like “are car insurance rates in Clifton cheaper than in Trenton?” or “are New Jersey car insurance rates cheaper than in Arizona?”.

But for more comprehensive auto insurance cost comparisons, we need to instead use rates for the exact vehicle being insured. Each individual vehicle model has different risk exposures for determining auto insurance prices and this data makes it possible to perform detailed cost comparisons.

This next chart displays average insurance cost in Clifton for the more popular models. Later, we will cover the cost of insuring some of these models in more detail.

Popular models in Clifton tend to be compact or midsize cars like the Honda Civic, Hyundai Elantra, and Nissan Altima and compact or midsize SUVs like the Toyota RAV4, Honda CR-V, and Subaru Outback.

Additional popular vehicles from other segments include luxury models like the Infiniti Q50, BMW X5, and Acura MDX and sports cars like the Porsche 911, Nissan GT-R, and Ford Mustang.

If we compare the above list of popular vehicles to the previous table of the top 50 cheapest models to insure, the large majority of popular models cost more to insure than the cheapest models.

This could be the result of a higher vehicle value, like a Chevrolet Suburban that has an average price of $59,095 or a Jeep Grand Wagoneer with an average price of $91,190, or perhaps a historical likelihood of higher liability or medical claims like a Jeep Wrangler, Chevrolet Silverado 2500 pickup, or Mitsubishi Mirage G4.

Let’s review the key concepts and comparisons that were presented in the data up to this point.

• Insurance rates fall a lot in your twenties – The average 30-year-old Clifton driver will pay $2,154 less each year than a 20-year-old driver, $2,432 versus $4,586.
• Clifton, NJ, average car insurance cost is more than the U.S. average – $2,278 (Clifton average) versus $1,883 (U.S. average)
• Car insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,224 more per year for $250 deductibles compared to $1,000 deductibles.
• Car insurance is generally cheaper as you age – Average car insurance rates for a 40-year-old driver in Clifton are $2,308 per year cheaper than for a 20-year-old driver.
• Clifton car insurance prices are cheaper than the New Jersey state average – $2,278 (Clifton average) versus $2,278 (New Jersey average)
• Insurance for a teenager is not cheap – The average cost ranges from $5,428 to $8,119 per year to insure a teen driver in Clifton, NJ.
• Average cost per month ranges from $158 to $677 – That’s the average car insurance price range for insured drivers age 16 to 60 in Clifton.

To emphasize the importance of the extent to which car insurance premiums can deviate for different applicants, the charts below have detailed rates for three popular models in Clifton: the Toyota Corolla, Honda CR-V, and Kia Sorento.

Each example shows average rates for a range of driver profiles to show the possible price variation with only small changes to the policy rating factors.

Toyota Corolla insurance rates

Toyota Corolla insurance in Clifton costs an average of $2,220 per year, with rates ranging from a low of $2,020 per year for the Toyota Corolla LE trim up to $2,510 per year for the Toyota Corolla XSE Hatchback trim level.

When Clifton car insurance rates for a Toyota Corolla are compared with the national average cost on the same model, rates are anywhere from $338 to $416 more expensive per year in Clifton, depending on the model being insured.

From a cost per month standpoint, full-coverage insurance on a Toyota Corolla for the average driver can range from $168 to $209 per month, but your exact rate can vary considerably based on your Zip Code in Clifton.

The chart displayed below shows how the cost of car insurance on a Toyota Corolla can range considerably based on different driver ages and risk profiles. For our sample risk profiles, rates range from $1,840 to $5,090 per year, which is a difference of $3,250 per year for insurance on the same vehicle.

The Toyota Corolla is considered a compact car, and additional models from the same segment that are popular in Clifton, NJ, include the Volkswagen Jetta, Chevrolet Cruze, Honda Civic, and Kia Forte.

Honda CR-V insurance rates

The average rate paid for Honda CR-V insurance in Clifton is $1,946 per year. With a purchase price ranging from $29,500 to $39,850, average insurance rates for a Honda CR-V range from $1,846 per year on the Honda CR-V LX model up to $2,052 per year for the Honda CR-V Sport Touring Hybrid AWD.

When Clifton car insurance rates for a Honda CR-V are compared to national average insurance rates on the same model, the cost is anywhere from $312 to $346 more expensive per year in Clifton, depending on which trim level is insured.

The chart displayed below may help to demonstrate how the cost of insurance for a Honda CR-V can be significantly different based on changes in the age of the driver, policy deductibles, and policy risk factors.

The Honda CR-V is considered a compact SUV, and other popular models include the Subaru Forester, Nissan Rogue, and Mazda CX-5.

Kia Sorento insurance rates

Average Kia Sorento insurance cost in Clifton costs from $1,982 to $2,326 per year. The most affordable insurance will be on the $32,000 Kia Sorento LX trim, while the highest-cost model is the $52,000 Kia Sorento SX Prestige Plug-in Hybrid trim level.

When Clifton car insurance rates on a Kia Sorento are compared to the cost averaged for the entire U.S. for the same model, rates are $334 to $392 more per year in Clifton, depending on the specific trim level being insured.

The chart displayed below may help explain how the cost of car insurance for a Kia Sorento can change based on different driver ages and common policy situations. For this example, cost varies from $1,796 to $4,966 per year, which is a difference in cost of $3,170 to insure the same vehicle with different rated drivers.

The Kia Sorento is classified as a midsize SUV, and additional models from the same segment that are popular in Clifton, NJ, include the Ford Edge, Ford Explorer, Jeep Grand Cherokee, and Kia Telluride.

Tips for finding cheaper Clifton auto insurance

Financially savvy drivers in Clifton are often looking to reduce the monthly expense for car insurance, so take a minute or two to look through the tips and ideas in this next list and maybe you can save some money the next time you buy a policy.

• Compare insurance cost before buying a car. Different vehicle models have very different costs for insurance, and insurance companies can sell policies with very different rates. Get quotes to compare the cost of insurance before you buy a new vehicle in order to prevent price shock when you receive your first bill.
• Qualify for discounts to save money. Savings may be available if the policyholders are homeowners, drive a vehicle with safety or anti-theft features, are senior citizens, belong to certain professional organizations, work in certain occupations, or many other discounts which could save the average Clifton driver as much as $382 per year.
• Driving violations increase insurance rates. If you want to get affordable car insurance in Clifton, it pays to drive safe. As a matter of fact, just a couple blemishes on your motor vehicle report could raise car insurance cost by up to $606 per year. Serious citations such as hit-and-run could raise rates by an additional $2,120 or more.
• Buy vehicles with cheaper insurance rates. The vehicle you drive is a primary factor in the cost of auto insurance. For example, a Subaru Crosstrek costs $864 less per year to insure in Clifton than a Nissan 370Z. Buy cheaper models and save money.
• Pay small claims out-of-pocket. Most insurance companies give a discount if you do not file any claims. Car insurance should only be used for significant financial loss, not for small claims.
• If your car is older, remove unneeded coverages. Removing physical damage coverage from older vehicles can cut the cost of insurance significantly.
• Make your policy cheaper by raising deductibles. Raising deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.