Car Insurance Clifton
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Car Insurance That Works for You in Clifton
Clifton, NJ, frequently ranks among the most livable cities not only in the state but across the U.S. Located in Passaic County, just a short commute from Manhattan, this bedroom community earns points not only for its status as a commercial hub but for its diverse selection of cultural activities. If you're among the 89,000 residents who travel the city's nearly 200 miles of road each day, you need great car insurance in Clifton to protect your vehicle and your budget.
Most people who live here commute about 28 minutes to work each day, slightly above the U.S. average of 26.4 minutes according to Sperling's Best Places. Almost 72% drive alone in their own vehicles, while another 10.4% carpool with neighbors or co-workers. If you want to spend less for full-coverage auto insurance in the Garden State, get multiple quotes with VIU by HUB to find the best rates.
Concerns for Clifton Drivers
N.J. has reduced rates of speeding and drunk driving accidents compared to other states, as well as a lower-than-average rate of traffic fatalities. However, serious collisions are increasing nationwide, including in N.J. CBS News reported that the state had a 13.7% increase in traffic deaths in the first quarter of 2022 compared to the same time period in 2021. Drivers need auto insurance that covers their own damage and injuries as well as liability for at-fault accidents.
Clifton has a below-average rate of property crime compared to national averages but falls slightly above the state average in this category. The city reports 1.5 incidents of theft and vandalism for every 100 residents, compared to 1.3 for N.J. and 2.1 for the entire U.S. according to Sperling's Best Places.
Cost of Car Insurance in Clifton
You'll pay about $2,146 per year for comprehensive car insurance in Clifton, according to U.S. News and World Report. That's about a 26% increase over the statewide average premiums of $1,706 per year for full coverage. Clifton's large population and slightly elevated rate of property crimes likely increase its rates compared to smaller, more rural N.J. towns.
Even within Clifton, rates vary from one block or neighborhood to the next depending on factors like the number of accidents or frequency of car theft claims in a certain ZIP code. You can also see dramatically different car insurance rates among different companies. If you're not happy with the cost of your car insurance, you can get personalized quotes from several providers with VIU by HUB.
Car Insurance Laws for Clifton Drivers
You can buy the basic N.J. auto insurance policy to reduce your annual premium, but it also limits your protection in an accident. Basic coverage includes up to $5,000 in property damage liability per accident and limits your right to sue. You can also add optional coverage of up to $10,000 in bodily injury liability per accident.
The standard policy expands your liability protection to $25,000 per accident for property damage and $25,000 per person and $50,000 per accident for bodily injury. You can add optional uninsured or underinsured motorist coverage. You can also choose a limited or unlimited right to sue and add coverage for personal medical protection, collision damage and comprehensive damage. VIU by HUB can help you find the best rates with our fast online quote tool.
VIU by HUB can help you find affordable full-coverage car insurance in Clifton for the best possible protection.
This information is intended for general informational purposes only and is not intended to constitute legal advice.