Compare Dayton, NJ Car Insurance Rates (2021)

Car insurance in Dayton, NJ averages $430 a month. Dayton, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Dayton car insurance rates, compare quotes from the top car insurance companies in Dayton, 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

  • Average car insurance rates in Dayton, NJ are $5,158/year
  • The cheapest car insurance company in Dayton for teen drivers is GEICO
  • The cheapest car insurance company in Dayton is GEICO

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

You’ll find Dayton car insurance rates, the cheapest Dayton, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Dayton, New Jersey car insurance rates to Jersey City car insurance rates, Camden car insurance rates, and Bayonne car insurance rates.

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

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

How do age, gender, and marital status affect Dayton, NJ car insurance rates? Every Dayton, 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 Dayton, 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 $3,134 $3,119 $3,021 $3,021 $9,952 $12,409 $3,664 $3,830
Farmers $4,395 $4,431 $4,277 $4,188 $12,836 $14,755 $5,222 $5,327
GEICO $2,306 $2,271 $2,260 $2,260 $4,237 $4,235 $2,660 $2,592
Liberty Mutual $4,607 $4,607 $5,061 $5,061 $12,038 $13,675 $5,061 $5,823
Progressive $1,787 $1,661 $1,619 $1,655 $8,076 $8,959 $2,113 $2,047
State Farm $4,087 $4,087 $3,698 $3,698 $13,342 $17,131 $4,656 $5,200
Travelers $2,673 $2,622 $2,479 $2,517 $6,152 $7,012 $2,627 $2,626

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Minimum Car Insurance in Dayton, NJ

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

Minimum Required Car Insurance Coverage in Dayton, 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 Dayton, NJ Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $7,283 $4,761 $3,762
Farmers $8,235 $6,457 $6,093
GEICO $4,299 $2,470 $1,789
Liberty Mutual $8,863 $6,568 $5,544
Progressive $3,889 $3,414 $3,166
State Farm $10,105 $6,100 $4,758
Travelers $4,774 $3,535 $2,456

Cheapest Dayton, 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 Dayton, NJ to rates for a clean record with top companies.

Annual Dayton, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,961 $6,553 $5,751 $4,810
Farmers $5,368 $9,104 $7,420 $5,822
GEICO $2,219 $2,917 $4,056 $2,219
Liberty Mutual $6,714 $7,682 $6,855 $6,714
Progressive $3,022 $4,008 $3,428 $3,501
State Farm $3,802 $6,912 $11,110 $6,126
Travelers $2,772 $4,079 $3,949 $3,554

Cheapest Dayton, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,952 $12,409
Farmers $12,836 $14,755
GEICO $4,237 $4,235
Liberty Mutual $12,038 $13,675
Progressive $8,076 $8,959
State Farm $13,342 $17,131
Travelers $6,152 $7,012

Cheapest Dayton, NJ Car Insurance for Seniors

Take a look at Dayton, 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 Dayton, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,021 $3,021
Farmers $4,277 $4,188
GEICO $2,260 $2,260
Liberty Mutual $5,061 $5,061
Progressive $1,619 $1,655
State Farm $3,698 $3,698
Travelers $2,479 $2,517

Cheapest Dayton, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,751
Farmers $7,420
GEICO $4,056
Liberty Mutual $6,855
Progressive $3,428
State Farm $11,110
Travelers $3,949

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Cheapest Dayton, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,259 $5,278
Farmers $6,929 $6,929
GEICO $2,829 $2,877
Liberty Mutual $6,923 $7,060
Progressive $3,490 $3,490
State Farm $6,809 $7,166
Travelers $3,589 $3,589

The Best Cheap Car Insurance Companies in Dayton, NJ

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

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

Insurance Company Average Annual Rates
Allstate $5,269
Farmers $6,929
GEICO $2,853
Liberty Mutual $6,992
Progressive $3,490
State Farm $6,988
Travelers $3,589

Category Winners: Cheapest Car Insurance in Dayton, New Jersey

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

Best Annual Car Insurance Rates by Company in Dayton, 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 Dayton, NJ Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,905 $5,339 $5,562
Farmers $6,232 $6,900 $7,654
GEICO $2,517 $2,914 $3,127
Liberty Mutual $6,247 $7,205 $7,522
Progressive $3,169 $3,548 $3,752
State Farm $6,502 $7,077 $7,383
Travelers $3,292 $3,592 $3,882

What affects car insurance rates in Dayton, New Jersey?

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

Commute Time in Dayton

The more time you spend in your car the higher the risk of an accident. The average commute length in Dayton, NJ is 38.3 minutes according to City-Data.

Traffic in Dayton

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Dayton, NJ traffic data from INRIX ranks Dayton as the 367th-most congested in the world.

Compare Car Insurance Quotes in Dayton, NJ

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

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