Compare Caldwell, NJ Car Insurance Rates (2021)

Car insurance in Caldwell, NJ averages $434 a month. Caldwell, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Caldwell car insurance rates, compare quotes from the top car insurance companies in Caldwell, NJ.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Caldwell is GEICO
  • Average car insurance rates in Caldwell, NJ are $5,208/year
  • The cheapest car insurance company in Caldwell for teen drivers is GEICO

If you need to buy Caldwell, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Caldwell, NJ is right here.

You’ll find Caldwell car insurance rates, the cheapest Caldwell, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Caldwell, New Jersey car insurance rates to Clifton car insurance rates, Paterson car insurance rates, and Trenton car insurance rates.

Ready to find affordable Caldwell, NJ car insurance today? Enter your ZIP code for fast, free Caldwell car insurance quotes.

Cheapest Caldwell, NJ Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Caldwell, NJ car insurance rates? Every Caldwell, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Caldwell, New Jersey

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,497 $3,479 $3,391 $3,391 $11,084 $13,598 $4,110 $4,239
Farmers $4,269 $4,308 $4,142 $4,074 $12,651 $14,567 $5,092 $5,258
GEICO $2,072 $2,036 $2,023 $2,023 $3,780 $3,827 $2,380 $2,344
Liberty Mutual $4,543 $4,543 $4,988 $4,988 $11,816 $13,416 $4,988 $5,733
Progressive $1,804 $1,680 $1,633 $1,666 $8,186 $9,120 $2,137 $2,083
State Farm $3,851 $3,851 $3,483 $3,483 $12,537 $16,096 $4,385 $4,899
Travelers $3,136 $3,080 $2,911 $2,961 $7,372 $8,482 $3,087 $3,089

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Minimum Car Insurance in Caldwell, NJ

Every driver must carry the minimum car insurance in Caldwell, NJ. Take a look at the New Jersey car insurance requirements.

Minimum Required Car Insurance Coverage in Caldwell, New Jersey

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Caldwell, NJ Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Caldwell, NJ. Compare credit history car insurance rates in Caldwell from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Caldwell, New Jersey

Insurance Company Poor Fair Good
Allstate $8,130 $5,269 $4,146
Farmers $8,026 $6,355 $6,004
GEICO $3,849 $2,221 $1,613
Liberty Mutual $8,716 $6,461 $5,454
Progressive $3,940 $3,462 $3,214
State Farm $9,501 $5,739 $4,480
Travelers $5,681 $4,202 $2,911

Cheapest Caldwell, NJ Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Caldwell, NJ to rates for a clean record with top companies.

Annual Caldwell, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,369 $7,298 $6,398 $5,329
Farmers $5,248 $8,942 $7,254 $5,736
GEICO $1,996 $2,618 $3,632 $1,996
Liberty Mutual $6,604 $7,557 $6,742 $6,604
Progressive $3,071 $4,056 $3,475 $3,552
State Farm $3,582 $6,503 $10,444 $5,764
Travelers $3,280 $4,840 $4,716 $4,223

Cheapest Caldwell, NJ Car Insurance for Teen Drivers

Teen car insurance in Caldwell, NJ can be expensive. Take a look at rates from the top car insurance companies in Caldwell for teenagers.

Annual Car Insurance Rates for Teen Drivers in Caldwell, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,084 $13,598
Farmers $12,651 $14,567
GEICO $3,780 $3,827
Liberty Mutual $11,816 $13,416
Progressive $8,186 $9,120
State Farm $12,537 $16,096
Travelers $7,372 $8,482

Cheapest Caldwell, NJ Car Insurance for Seniors

Take a look at Caldwell, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Caldwell, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,391 $3,391
Farmers $4,142 $4,074
GEICO $2,023 $2,023
Liberty Mutual $4,988 $4,988
Progressive $1,633 $1,666
State Farm $3,483 $3,483
Travelers $2,911 $2,961

Cheapest Caldwell, NJ Car Insurance Rates After a DUI

A DUI in Caldwell, NJ increases car insurance rates. Compare Caldwell, New Jersey DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Caldwell, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,398
Farmers $7,254
GEICO $3,632
Liberty Mutual $6,742
Progressive $3,475
State Farm $10,444
Travelers $4,716

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Cheapest Caldwell, NJ Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Caldwell, NJ by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Caldwell, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,837 $5,860
Farmers $6,795 $6,795
GEICO $2,540 $2,582
Liberty Mutual $6,810 $6,944
Progressive $3,538 $3,538
State Farm $6,407 $6,739
Travelers $4,265 $4,265

The Best Cheap Car Insurance Companies in Caldwell, NJ

Take a look at a side-by-side comparison of the top car insurance companies in Caldwell, NJ to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Caldwell, New Jersey

Insurance Company Average Annual Rates
Allstate $5,849
Farmers $6,795
GEICO $2,561
Liberty Mutual $6,877
Progressive $3,538
State Farm $6,573
Travelers $4,265

Category Winners: Cheapest Car Insurance in Caldwell, New Jersey

Find the cheapest car insurance companies in Caldwell, NJ for each category right here.

Best Annual Car Insurance Rates by Company in Caldwell, New Jersey

Category Insurance Company
Teenagers GEICO
Seniors Progressive
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Progressive
With 1 Speeding Violation GEICO

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Cheapest Caldwell, NJ Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Caldwell car insurance rates. Find the cheapest Caldwell, NJ car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Caldwell, New Jersey

Insurance Company Low Medium High
Allstate $5,415 $5,932 $6,199
Farmers $6,166 $6,781 $7,438
GEICO $2,299 $2,612 $2,772
Liberty Mutual $6,170 $7,081 $7,379
Progressive $3,218 $3,598 $3,800
State Farm $6,135 $6,655 $6,930
Travelers $3,874 $4,266 $4,654

What affects car insurance rates in Caldwell, New Jersey?

What factors can have an impact on Caldwell, NJ car insurance? There are several reasons why Caldwell car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Caldwell, New Jersey.

Commute Time in Caldwell

The more time you spend in your car the higher the risk of an accident. The average commute length in Caldwell, NJ is 32.8 minutes according to City-Data.

Compare Car Insurance Quotes in Caldwell, NJ

Ready to find affordable Caldwell, New Jersey car insurance today? Enter your ZIP code for fast, free Caldwell, NJ car insurance quotes.

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