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Auto Insurance in Hackensack, NJ

Get affordable auto insurance in Hackensack, NJ. As Bergen County's seat and a major Route 4, Route 17, and Route 80 intersection, we understand the unique driving challenges our residents face. Save up to $500/year with quotes starting at $178/month.

46,000
Population
$178/mo
Average Rate
$500/year
Average Savings
15+
Insurance Carriers
Local Insights

Why Hackensack Auto Insurance Rates Vary

Route 4 & Route 17 Intersection

One of NJ's busiest intersections with over 150,000 daily vehicles

23% higher accident rate

Downtown Parking Challenges

Dense urban parking increases comprehensive claims

18% more parking claims

Medical Center Traffic

Heavy ambulance and hospital traffic on local roads

15% more rear-end accidents
Our Services

Auto Insurance Services in Hackensack

Comprehensive auto insurance coverage options tailored to your needs

Liability Coverage

NJ minimum plus recommended coverage for Route 4/17 commuters

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Comprehensive Coverage

Protection for downtown parking damage and theft

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Medical Center Employee Discounts

Special rates for Hackensack Meridian Health employees

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SR-22 Insurance

Fast SR-22 filing for license reinstatement

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Multi-Policy Savings

Bundle auto with home or renters for extra savings

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Local Agent Support

Hackensack-based agents who know your roads

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Local Information

Hackensack Driving Information

Local Risk Factors

  • Route 4/Route 17 intersection congestion
  • Route 80 access point traffic
  • Downtown Main Street parking challenges
  • Hospital zone ambulance activity
  • School zones on Passaic and Essex Streets
  • Hackensack River flooding risk areas

Available Discounts

  • Good driver discount (no accidents in 3 years)
  • Hackensack resident discount
  • Medical center employee discount
  • Multi-vehicle household savings
  • Student discounts for FDU and Bergen CC
  • Senior driver safety 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

Hackensack vs. New Jersey Average

Coverage TypeHackensackNJ 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

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