Compare Emerson, NJ Car Insurance Rates (2021)

Car insurance in Emerson, NJ averages $445 a month. Emerson, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Emerson car insurance rates, compare quotes from the top car insurance companies in Emerson, 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 Emerson, NJ are $5,340/year
  • The cheapest car insurance company in Emerson is GEICO
  • The cheapest car insurance company in Emerson for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Emerson, NJ car insurance rates? Every Emerson, 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 Emerson, 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 $3,553 $3,535 $3,457 $3,457 $11,192 $13,576 $4,192 $4,283
Farmers $4,615 $4,664 $4,504 $4,428 $13,705 $15,831 $5,513 $5,645
GEICO $2,235 $2,199 $2,187 $2,187 $4,098 $4,116 $2,575 $2,518
Liberty Mutual $4,058 $4,058 $4,454 $4,454 $10,540 $11,967 $4,454 $5,118
Progressive $1,984 $1,836 $1,794 $1,847 $8,975 $9,816 $2,345 $2,233
State Farm $4,290 $4,290 $3,887 $3,887 $14,083 $18,075 $4,892 $5,467
Travelers $2,945 $2,891 $2,734 $2,784 $6,899 $7,924 $2,899 $2,898

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Minimum Car Insurance in Emerson, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,248 $5,305 $4,164
Farmers $8,772 $6,850 $6,467
GEICO $4,163 $2,395 $1,735
Liberty Mutual $7,770 $5,768 $4,874
Progressive $4,311 $3,768 $3,482
State Farm $10,647 $6,422 $5,007
Travelers $5,317 $3,940 $2,733

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

Annual Emerson, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,415 $7,370 $6,454 $5,382
Farmers $5,703 $9,703 $7,866 $6,181
GEICO $2,152 $2,826 $3,928 $2,152
Liberty Mutual $5,896 $6,740 $6,019 $5,896
Progressive $3,313 $4,457 $3,788 $3,858
State Farm $4,000 $7,281 $11,703 $6,451
Travelers $3,078 $4,538 $4,413 $3,958

Cheapest Emerson, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,192 $13,576
Farmers $13,705 $15,831
GEICO $4,098 $4,116
Liberty Mutual $10,540 $11,967
Progressive $8,975 $9,816
State Farm $14,083 $18,075
Travelers $6,899 $7,924

Cheapest Emerson, NJ Car Insurance for Seniors

Take a look at Emerson, 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 Emerson, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,457 $3,457
Farmers $4,504 $4,428
GEICO $2,187 $2,187
Liberty Mutual $4,454 $4,454
Progressive $1,794 $1,847
State Farm $3,887 $3,887
Travelers $2,734 $2,784

Cheapest Emerson, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,454
Farmers $7,866
GEICO $3,928
Liberty Mutual $6,019
Progressive $3,788
State Farm $11,703
Travelers $4,413

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Cheapest Emerson, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,894 $5,917
Farmers $7,363 $7,363
GEICO $2,741 $2,787
Liberty Mutual $6,078 $6,197
Progressive $3,854 $3,854
State Farm $7,170 $7,548
Travelers $3,997 $3,997

The Best Cheap Car Insurance Companies in Emerson, NJ

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

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

Insurance Company Average Annual Rates
Allstate $5,905
Farmers $7,363
GEICO $2,764
Liberty Mutual $6,138
Progressive $3,854
State Farm $7,359
Travelers $3,997

Category Winners: Cheapest Car Insurance in Emerson, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $5,460 $5,991 $6,266
Farmers $6,540 $7,321 $8,229
GEICO $2,470 $2,821 $3,002
Liberty Mutual $5,493 $6,322 $6,598
Progressive $3,446 $3,920 $4,195
State Farm $6,841 $7,455 $7,781
Travelers $3,641 $3,999 $4,350

What affects car insurance rates in Emerson, New Jersey?

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

Commute Time in Emerson

The more time you spend in your car the higher the risk of an accident. The average commute length in Emerson, NJ is 28.4 minutes according to City-Data.

Compare Car Insurance Quotes in Emerson, NJ

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

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