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Auto Insurance in Closter, NJ

Get affordable auto insurance in Closter, NJ. Located on the border with Alpine, our residents enjoy peaceful suburban driving conditions and competitive rates averaging $165/month. Save up to $450/year with personalized quotes.

8,800
Population
$165/mo
Average Rate
$450/year
Average Savings
15+
Insurance Carriers
Local Insights

Why Closter Auto Insurance Rates Vary

Alpine Border Community

Low-density residential area with minimal traffic congestion

20% lower accident rate

Palisades Proximity Benefits

Scenic location with well-maintained local roads

16% fewer weather claims

Small Town Safety

Close-knit community with excellent security

22% fewer theft claims
Our Services

Auto Insurance Services in Closter

Comprehensive auto insurance coverage options tailored to your needs

Liability Coverage

NJ minimum plus enhanced coverage for local drivers

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Comprehensive Coverage

Protection for vehicles in this secure community

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Low-Mileage Discounts

Special rates for local-focused driving patterns

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Good Driver Rewards

Premium discounts for safe suburban driving

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Multi-Policy Savings

Bundle auto with home insurance for maximum savings

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Local Agent Support

Bergen County agents who understand your community

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Local Information

Closter Driving Information

Local Risk Factors

  • Closter Dock Road narrow sections
  • School zones on Homans Avenue and High Street
  • Alpine border winding roads
  • Train station area during commuter hours
  • Main Street downtown area parking
  • Seasonal leaf coverage on residential streets

Available Discounts

  • Good driver discount (no accidents in 3 years)
  • Closter resident discount
  • Low annual mileage discount
  • Mature driver discount (55+)
  • Homeowner discount (own home in Closter)
  • Defensive driving course discount

Coverage Recommendations

NJ Minimum

  • Liability: 15/30/5
  • PIP: $15,000
  • Uninsured: 15/30

Recommended

  • Liability: 100/300/100
  • PIP: $250,000
  • Uninsured: 100/300
  • Comprehensive: Yes
  • Collision: Yes
Rate Comparison

Closter vs. New Jersey Average

Coverage TypeClosterNJ AverageYour Savings
Full Coverage$178/month$220/month$42/month
Liability Only$98/month$125/month$27/month
Annual Savings$2,136/year$2,640/year$504/year
Service Areas

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