Find Your Exact Auto Insurance Rate by ZIP Code
Bergen County ZIP Code Auto Insurance Rates | Interactive Rate Tool
Search all 70+ Bergen County ZIP codes to find your exact auto insurance rate. Compare rates from Fort Lee (07024) to Alpine (07620) with our interactive tool and discover why your ZIP code affects your premium.
Bergen County Auto Insurance Rate Ranges by Risk Level
Understanding how your ZIP code affects your insurance rate helps you make informed decisions
Very Low Risk
$145-160/month
Example ZIPs: 07620, 07458
Alpine, Upper Saddle River
Low Risk
$155-170/month
Example ZIPs: 07450, 07481
Ridgewood, Wyckoff
Medium Risk
$170-185/month
Example ZIPs: 07601, 07666
Hackensack, Teaneck
High Risk
$185-200/month
Example ZIPs: 07024, 07020
Fort Lee, Edgewater
Find Your ZIP Code's Auto Insurance Rate
Search by ZIP code or city name to see average rates and risk factors for your area
Bergen County ZIP Code Rate Finder
07024
HighFort Lee
$195/month
07601
MediumHackensack
$178/month
07602
MediumHackensack
$180/month
07026
MediumGarfield
$185/month
07631
MediumEnglewood
$182/month
07632
LowEnglewood Cliffs
$168/month
07666
MediumTeaneck
$175/month
07410
LowFair Lawn
$168/month
07652
MediumParamus
$172/month
07450
LowRidgewood
$165/month
07621
LowBergenfield
$170/month
07071
MediumLyndhurst
$180/month
What Affects Your ZIP Code's Insurance Rate?
Population Density
Higher density areas typically have more accidents and higher rates
Examples: Fort Lee (High) vs Alpine (Very Low)
Major Highway Access
Proximity to Routes 4, 17, 80, and GSP affects accident risk
Examples: Route 17 corridor, GW Bridge approaches
Crime Rates
Auto theft and vandalism impact comprehensive coverage costs
Examples: Urban vs suburban communities
Local Traffic Patterns
Shopping centers and business districts create congestion
Examples: Paramus Park area, Hackensack business district
ZIP Code Insurance Rate Questions
Why do auto insurance rates vary by ZIP code within Bergen County?
Rates vary based on local risk factors including population density, traffic patterns, crime rates, and proximity to major highways. Urban areas like Fort Lee typically have higher rates than suburban communities like Alpine due to increased accident and theft risk.
Which Bergen County ZIP codes have the lowest auto insurance rates?
The lowest rates are typically found in exclusive communities like Alpine (07620) at $145/month and Upper Saddle River (07458) at $150/month. These areas have low population density, minimal traffic, and very low crime rates.
How much can my rate vary within the same ZIP code?
Even within the same ZIP code, rates can vary by 30-50% based on your driving record, age, vehicle type, and coverage levels. Our tool shows the average rate, but your actual rate could be significantly higher or lower.
Do Route 17 corridor ZIP codes have higher insurance rates?
Yes, ZIP codes along Route 17 (like Paramus, Ramsey, and Mahwah) typically have slightly higher rates due to increased traffic volume and accident risk. However, they're still generally lower than urban areas near NYC.
How often do ZIP code rates change?
Insurance companies typically review and adjust ZIP code ratings annually based on claims data, traffic patterns, and demographic changes. Rates can increase or decrease based on local trends and loss experience.
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