Compare Elizabeth, NJ Car Insurance Rates (2021)

Car insurance in Elizabeth, NJ averages $690 a month. Elizabeth, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Elizabeth car insurance rates, compare quotes from the top car insurance companies in Elizabeth, NJ.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Elizabeth, NJ after a DUI are $9,788/year
  • The cheapest car insurance company in Elizabeth is GEICO
  • Average car insurance rates in Elizabeth, NJ are $8,277/year

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

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

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

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

How do age, gender, and marital status affect Elizabeth, NJ car insurance rates? Every Elizabeth, 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 Elizabeth, 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 $4,807 $4,788 $4,683 $4,683 $14,993 $18,009 $5,692 $5,776
Farmers $7,731 $7,814 $7,518 $7,336 $22,916 $26,381 $9,205 $9,365
GEICO $3,093 $3,033 $3,015 $3,015 $5,636 $5,587 $3,563 $3,450
Liberty Mutual $6,457 $6,457 $7,104 $7,104 $16,924 $19,221 $7,104 $8,173
Progressive $3,143 $2,884 $2,818 $2,917 $14,664 $16,023 $3,738 $3,527
State Farm $6,827 $6,827 $6,176 $6,176 $22,663 $29,122 $7,803 $8,722
Travelers $4,646 $4,479 $4,293 $4,316 $10,463 $11,741 $4,495 $4,427

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Minimum Car Insurance in Elizabeth, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $11,170 $7,064 $5,552
Farmers $14,715 $11,395 $10,740
GEICO $5,760 $3,280 $2,356
Liberty Mutual $12,479 $9,216 $7,758
Progressive $7,001 $6,067 $5,574
State Farm $17,111 $10,274 $7,984
Travelers $8,286 $6,000 $4,036

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

Annual Elizabeth, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,957 $9,912 $8,603 $7,242
Farmers $9,488 $16,224 $13,144 $10,276
GEICO $2,935 $3,887 $5,439 $2,935
Liberty Mutual $9,423 $10,805 $9,621 $9,423
Progressive $5,291 $7,215 $6,114 $6,236
State Farm $6,354 $11,663 $18,822 $10,320
Travelers $4,661 $7,010 $6,770 $5,989

Cheapest Elizabeth, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,993 $18,009
Farmers $22,916 $26,381
GEICO $5,636 $5,587
Liberty Mutual $16,924 $19,221
Progressive $14,664 $16,023
State Farm $22,663 $29,122
Travelers $10,463 $11,741

Cheapest Elizabeth, NJ Car Insurance for Seniors

Take a look at Elizabeth, 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 Elizabeth, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,683 $4,683
Farmers $7,518 $7,336
GEICO $3,015 $3,015
Liberty Mutual $7,104 $7,104
Progressive $2,818 $2,917
State Farm $6,176 $6,176
Travelers $4,293 $4,316

Cheapest Elizabeth, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $8,603
Farmers $13,144
GEICO $5,439
Liberty Mutual $9,621
Progressive $6,114
State Farm $18,822
Travelers $6,770

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Cheapest Elizabeth, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,915 $7,943
Farmers $12,283 $12,283
GEICO $3,767 $3,831
Liberty Mutual $9,721 $9,914
Progressive $6,214 $6,214
State Farm $11,479 $12,100
Travelers $6,107 $6,107

Cheapest Elizabeth, NJ Car Insurance Rates by ZIP Code

Elizabeth car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Elizabeth, NJ.

Annual Car Insurance Rates by ZIP Code in Elizabeth, New Jersey

ZIP Code Average Annual Rates
7201 $7,822
7202 $7,822
7208 $7,822

The Best Cheap Car Insurance Companies in Elizabeth, NJ

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

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

Insurance Company Average Annual Rates
Allstate $7,929
Farmers $12,283
GEICO $3,799
Liberty Mutual $9,818
Progressive $6,214
State Farm $11,790
Travelers $6,107

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Category Winners: Cheapest Car Insurance in Elizabeth, New Jersey

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

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

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

Cheapest Elizabeth, NJ Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $7,245 $8,056 $8,485
Farmers $11,037 $12,188 $13,624
GEICO $3,364 $3,869 $4,164
Liberty Mutual $8,772 $10,117 $10,564
Progressive $5,622 $6,304 $6,717
State Farm $10,924 $11,947 $12,497
Travelers $5,565 $6,101 $6,656

What affects car insurance rates in Elizabeth, New Jersey?

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

Commute Time in Elizabeth

The more time you spend in your car the higher the risk of an accident. The average commute length in Elizabeth, NJ is 26.4 minutes according to City-Data.

Traffic in Elizabeth

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Elizabeth, NJ traffic data from INRIX ranks Elizabeth as the 524th-most congested in the world.

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Compare Car Insurance Quotes in Elizabeth, NJ

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

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