Save Up to $500/Year on Car Insurance
Get instant quotes from 15+ top insurance carriers serving Bergen County. From Alpine to Wyckoff, we help all 70 municipalities save on auto insurance with rates starting at $178/month.
As New Jersey's most populous county with major highways and NYC proximity, Bergen County auto insurance rates average 15% higher than the state average. We help you beat those rates.
955,000+
Population
625,000+
Registered Vehicles
70
Municipalities
$500/year
Average Savings
All 70 Bergen County municipalities covered
| City | Population | Avg Rate | vs NJ Avg | Action |
|---|---|---|---|---|
| Hackensack | 46,000+ | $178/mo | ↑ Higher | Get Quote → |
| Fort Lee | 40,000+ | $195/mo | ↑ Higher | Get Quote → |
| Garfield | 32,000+ | $185/mo | ↑ Higher | Get Quote → |
| Paramus | 26,000+ | $172/mo | ↑ Higher | Get Quote → |
| Englewood | 29,000+ | $182/mo | ↑ Higher | Get Quote → |
| Teaneck | 41,000+ | $175/mo | ↑ Higher | Get Quote → |
| Fair Lawn | 34,000+ | $168/mo | ↑ Higher | Get Quote → |
| Ridgewood | 25,000+ | $165/mo | ↑ Higher | Get Quote → |
| Lyndhurst | 22,000+ | $180/mo | ↑ Higher | Get Quote → |
Major highways and traffic patterns significantly impact your auto insurance rates
Major retail and traffic area
Affected towns: Paramus, Ramsey, Upper Saddle River
10-15% higher rates
Heavy commuter traffic zones
Affected towns: Hackensack, Teaneck, Fair Lawn
12-18% higher rates
High traffic density
Affected towns: Fort Lee, Edgewater, Cliffside Park
20-25% higher rates
Major north-south corridor
Affected towns: Paramus, Rochelle Park, Saddle Brook
8-12% higher rates
We work with all major insurance companies
Agents who know your specific town
Get rates in under 2 minutes
Combine auto with home insurance
Bergen County rates vary based on population density, proximity to NYC, local traffic patterns, and crime statistics. Urban areas like Fort Lee typically have higher rates than suburban towns like Alpine due to increased accident risk.
The average full coverage auto insurance in Bergen County is about $178/month, but rates vary from $150/month in quieter towns to $220/month in high-traffic areas near NYC.
Towns like Alpine, Saddle River, and Upper Saddle River typically have the lowest rates due to lower population density and fewer accidents. Rates in these areas can be 20-30% lower than urban centers.
Bundle policies, maintain a clean driving record, take defensive driving courses, and compare quotes from multiple carriers. Bergen County residents can save an average of $500/year by shopping around.
While not required, we recommend higher liability limits and comprehensive coverage for regular highway commuters due to increased accident risk. Consider 100/300/100 coverage instead of state minimums.
Join thousands of Bergen County drivers who save an average of $500/year. Get quotes from 15+ carriers in under 2 minutes.