Compare quotes and save up to $500/year

Auto Insurance in Garfield, NJ

Get affordable auto insurance in Garfield, NJ. Home to 32,655 residents and situated along the Route 46 corridor, we understand your unique coverage needs from industrial traffic to Passaic River flood zones. Save up to $500/year with quotes starting at $185/month.

32,655
Population
$185/mo
Average Rate
$500/year
Average Savings
15+
Insurance Carriers
Local Insights

Why Garfield Auto Insurance Rates Vary

Route 46 Corridor Traffic

Heavy commercial and commuter traffic with frequent congestion and accidents

25% higher accident rate

Passaic River Industrial Area

Industrial zone with truck traffic and flooding risk during heavy rains

20% more claims

Walmart & Shopping Centers

High-traffic retail areas with parking lot incidents and pedestrian risks

18% increased incidents
Our Services

Auto Insurance Services in Garfield

Comprehensive auto insurance coverage options tailored to your needs

Route 46 Commuter Coverage

Enhanced protection for Route 46 daily commuters and heavy traffic areas

Learn More

Flood Zone Protection

Comprehensive coverage for Passaic River flood-prone areas

Learn More

Industrial Area Coverage

Specialized protection for industrial corridor workers

Learn More

Safe Driver Discounts

Rewards for Garfield's safest drivers

Learn More

Quick Quote System

Get your personalized rate in under 2 minutes

Learn More

Bundle & Save

Combine auto with home insurance for maximum savings

Learn More
Local Information

Garfield Driving Information

Local Risk Factors

  • Route 46 heavy traffic and commercial vehicle congestion
  • Passaic River flooding during heavy rain seasons
  • Outwater Lane industrial truck traffic
  • Walmart and retail shopping center parking incidents
  • Garfield Plaza commercial area traffic
  • Railroad crossing delays and congestion

Available Discounts

  • Good driver discount (3+ years clean record)
  • Garfield resident loyalty discount
  • Multi-policy bundle savings up to 25%
  • Low mileage discount for local workers
  • Good student discount for high schoolers
  • Defensive driving course credit

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

Garfield vs. New Jersey Average

Coverage TypeGarfieldNJ 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

Also Serving Nearby Areas

We provide auto insurance services throughout Bergen County

Get Started

Ready to Save on Auto Insurance?

Join thousands of Garfield drivers who save an average of $500/year with Midland Associates

Auto Insurance in Other Bergen County Cities