Cheapest Auto Insurance in Clifton, NJ

Find the cars, SUVs, and pickups that have the lowest-cost car insurance quotes. Compared rates by segment and for popular models.

Start QuoteCompare Clifton car insurance rates and save on your next policy.

  • Compact crossovers and SUVs like the Subaru Crosstrek, Mazda CX-5, and Buick Encore are our top picks for having the cheapest auto insurance in Clifton.
  • Vehicles with the lowest cost auto insurance for their segment include the Subaru Legacy, Volvo XC90, Toyota Avalon, and Mazda CX-5.
  • 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.
  • Clifton auto insurance averages $508 per year more than the New Jersey state average and $379 per year more than the average for all 50 states.

Cheapest cars to insure in Clifton

The vehicles with the cheapest auto insurance rates in Clifton, NJ, tend to be crossover SUVs like the Chevrolet Trailblazer, Mazda CX-5, and Toyota C-HR.

Average car insurance prices for cars and SUVs that rank in the top 10 cost $1,648 or less per year ($137 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 Ascent, Acura RDX, Toyota Corolla Cross, and Mazda MX-5 Miata. 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 $141 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.

Top 50 Cheapest Auto Insurance Rates in Clifton
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,478$123
2Nissan Kicks$1,518$127
3Chevrolet Trailblazer$1,526$127
4Subaru Crosstrek$1,560$130
5Honda Passport$1,562$130
6Chevrolet Colorado$1,600$133
7Toyota C-HR$1,600$133
8Buick Encore$1,610$134
9Nissan Rogue Sport$1,622$135
10Hyundai Venue$1,648$137
11Buick Envision$1,656$138
12Kia Seltos$1,658$138
13Ford Maverick$1,662$139
14Acura RDX$1,666$139
15Subaru Ascent$1,670$139
16Toyota Corolla Cross$1,670$139
17Hyundai Kona$1,680$140
18Subaru Forester$1,684$140
19Mazda MX-5 Miata$1,686$141
20Subaru Impreza$1,686$141
21Volkswagen Tiguan$1,688$141
22Chevrolet Spark$1,698$142
23Honda CR-V$1,704$142
24Cadillac XT4$1,708$142
25Mazda CX-30$1,718$143
26Ford Ranger$1,726$144
27Honda HR-V$1,748$146
28Ford Edge$1,752$146
29Ford Ecosport$1,760$147
30Subaru Outback$1,784$149
31Chevrolet Trax$1,786$149
32Acura ILX$1,790$149
33GMC Terrain$1,792$149
34Mitsubishi Eclipse Cross$1,796$150
35Toyota Tacoma$1,804$150
36Hyundai Tucson$1,806$151
37Nissan Murano$1,806$151
38Chevrolet Bolt$1,810$151
39Honda Odyssey$1,814$151
40Chevrolet Equinox$1,816$151
41Toyota Venza$1,818$152
42Volkswagen Taos$1,820$152
43Fiat 500X$1,828$152
44Ford Explorer$1,828$152
45Toyota RAV4$1,838$153
46Kia Sorento$1,840$153
47Kia Soul$1,842$154
48Nissan Frontier$1,850$154
49Hyundai Palisade$1,866$156
50Hyundai Santa Cruz$1,866$156

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Clifton, NJ.Data last updated on June 23, 2022
    Top 50 Cheapest Auto Insurance Rates in Clifton

    A few other popular models ranking in the top 50 table above include the Hyundai Tucson, the Cadillac XT4, the Toyota Venza, the Kia Soul, and the Nissan Frontier. Auto insurance rates for those vehicles fall between $1,688 and $1,872 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 $183 per month, the Toyota Tundra that costs $174, and the Infiniti Q50 which averages $236.

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Clifton car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Clifton Zip Codes.Data last updated on June 23, 2022
    Average Insurance Cost by Segment in Clifton, NJ
    Clifton Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,818$152
    Midsize Pickup$1,864$155
    Minivan$1,958$163
    Midsize SUV$1,968$164
    Compact Car$2,002$167
    Midsize Car$2,028$169
    Half-ton Pickup$2,114$176
    Compact Luxury SUV$2,186$182
    Large SUV$2,194$183
    Compact Luxury Car$2,206$184
    Large Car$2,246$187
    Heavy Duty Pickup$2,318$193
    Midsize Luxury SUV$2,350$196
    Midsize Luxury Car$2,572$214
    Sports Car$2,744$229
    Large Luxury SUV$2,936$245
    Large Luxury Car$3,074$256

    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 $1,666 per year for a full coverage policy up to the Aston Martin DBX at $3,538 per year, a difference of $1,872 just within that segment.

    In the midsize truck segment, rates can vary from the Chevrolet Colorado at $1,600 per year to the Rivian R1T at $2,472 per year.

    And in the midsize car segment, rates range from the Subaru Legacy at $1,886 per year up to the Kia Stinger costing $2,292 per year, a difference of $406 just within that segment.

    Average cost of car insurance in Clifton

    Average car insurance rates in Clifton cost $1,946 per year, or approximately $162 per month. That’s 24.2% more expensive than the overall overall U.S. national average rate of $1,567 per year.

    In the state of New Jersey, the average cost of car insurance is $1,438 per year, so the cost in Clifton averages $508 more per year.

    When compared to other locations in New Jersey, the cost to insure a vehicle in Clifton is $300 per year cheaper than in Paterson, $12 per year more expensive than in Jersey City, and $370 per year cheaper than in Newark.

    The next chart shows a summary of auto insurance rates in Clifton for 2022 model year vehicles, averaged based on a wide range of driver ages, policy deductibles, and potential risk scenarios.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for the 2022 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Clifton includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
    Clifton, NJ, Car Insurance Cost by Driver Risk Profile
    Average Car Insurance Cost in Clifton, NJ
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,404$367
    Safe Driver Age 20$3,860$322
    At-fault Accidents Age 40$2,742$229
    Low Deductibles Age 40$2,526$211
    Safe Driver Age 30$2,046$171
    Safe Driver Age 40$1,946$162
    Safe Driver Age 50$1,768$147
    Safe Driver Age 60$1,738$145
    High Deductibles Age 40$1,646$137
    Discount Rate Age 40$1,614$135

    Average car insurance rates in the previous chart range from $1,614 per year for a 40-year-old driver who receives an exceptional discount rate to $4,404 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 $135 to $367.

    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 – $6,962 per year or $580 per month
    • 17 year old – $6,504 per year or $542 per month
    • 18 year old – $6,072 per year or $506 per month
    • 19 year old – $5,492 per year or $458 per month
    • 20 year old – $3,860 per year or $322 per month
    • 30 year old – $2,046 per year or $171 per month
    • 40 year old – $1,946 per year or $162 per month
    • 50 year old – $1,768 per year or $147 per month
    • 60 year old – $1,738 per year or $145 per month

    The car insurance rates discussed up to this point are the average cost across all 2022 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Clifton car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Clifton Zip Codes.Data last updated on June 23, 2022
    Average Car Insurance Quotes for Popular Vehicles in Clifton, NJ
    Average Car Insurance Quotes for Popular Vehicles in Clifton, NJ
    Make/Model Annual Rate Monthly Rate
    Subaru Forester$1,684$140
    Honda CR-V$1,704$142
    Ford Explorer$1,828$152
    Toyota RAV4$1,838$153
    Ford F150$1,882$157
    Nissan Rogue$1,904$159
    Ford Escape$1,912$159
    Toyota Camry$1,914$160
    Honda Civic$1,926$161
    Honda Pilot$1,972$164
    Hyundai Santa Fe$2,028$169
    Tesla Model 3$2,044$170
    Ford Mustang$2,052$171
    Chevrolet Silverado$2,090$174
    Hyundai Elantra$2,194$183

    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 $54,595 or a Jeep Grand Wagoneer with an average price of $88,440, 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 $1,596 less each year than a 20-year-old driver, $1,804 versus $3,400.
    • Clifton, NJ, average car insurance cost is more than the U.S. average – $1,946 (Clifton average) versus $1,567 (U.S. average)
    • Car insurance with low deductibles costs more – A 20-year-old driver pays an average of $900 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 $1,686 per year cheaper than for a 20-year-old driver.
    • Clifton car insurance prices are more expensive than the New Jersey state average – $1,946 (Clifton average) versus $1,438 (New Jersey average)
    • Insurance for a teenager is not cheap – The average cost ranges from $4,886 to $6,962 per year to insure a teen driver in Clifton, NJ.
    • Average cost per month ranges from $128 to $512 – 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 $1,912 per year, with rates ranging from a low of $1,822 per year for the Toyota Corolla L trim up to $2,004 per year for the Toyota Corolla XSE Apex Edition 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 $394 to $430 cheaper 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 $152 to $167 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 $1,588 to $4,282 per year, which is a difference of $2,694 per year for insurance on the same vehicle.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Clifton includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
    Toyota Corolla Insurance Cost in Clifton, New Jersey
    Toyota Corolla Insurance Cost in Clifton, NJ
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,282$357
    Safe Driver Age 20$3,754$313
    At-fault Accidents Age 40$2,706$226
    Low Deductibles Age 40$2,372$198
    Safe Driver Age 30$1,986$166
    Safe Driver Age 40$1,912$159
    Safe Driver Age 50$1,746$146
    Safe Driver Age 60$1,708$142
    High Deductibles Age 40$1,670$139
    Discount Rate Age 40$1,588$132

    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 $1,704 per year. With a purchase price ranging from $26,400 to $37,400, average insurance rates for a Honda CR-V range from $1,602 per year on the Honda CR-V LX model up to $1,818 per year for the Honda CR-V Hybrid Touring.

    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 $346 to $394 cheaper 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Clifton includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
    Honda CR-V Insurance Cost in Clifton, NJ
    Honda CR-V Insurance Cost in Clifton, NJ
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,878$323
    Safe Driver Age 20$3,396$283
    At-fault Accidents Age 40$2,410$201
    Low Deductibles Age 40$2,210$184
    Safe Driver Age 30$1,792$149
    Safe Driver Age 40$1,704$142
    Safe Driver Age 50$1,554$130
    Safe Driver Age 60$1,528$127
    High Deductibles Age 40$1,442$120
    Discount Rate Age 40$1,418$118

    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 $1,700 to $2,058 per year. The most affordable insurance will be on the $29,590 Kia Sorento LX trim, while the highest-cost model is the $48,090 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 $368 to $444 less 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 $1,534 to $4,182 per year, which is a difference in cost of $2,648 to insure the same vehicle with different rated drivers.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Clifton includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
    Kia Sorento Insurance Cost in Clifton, NJ
    Kia Sorento Insurance Cost in Clifton, NJ
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,182$349
    Safe Driver Age 20$3,660$305
    At-fault Accidents Age 40$2,594$216
    Low Deductibles Age 40$2,410$201
    Safe Driver Age 30$1,942$162
    Safe Driver Age 40$1,840$153
    Safe Driver Age 50$1,678$140
    Safe Driver Age 60$1,650$138
    High Deductibles Age 40$1,550$129
    Discount Rate Age 40$1,534$128

    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 $332 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 $510 per year. Serious citations such as hit-and-run could raise rates by an additional $1,776 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 $678 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 $236 per year for a 40-year-old driver and $456 per year for a 20-year-old driver.