Compare Fairfield, NJ Car Insurance Rates (2021)

Car insurance in Fairfield, NJ averages $435 a month. Fairfield, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Fairfield car insurance rates, compare quotes from the top car insurance companies in Fairfield, 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 Fairfield, NJ are $5,222/year
  • Average car insurance rates in Fairfield, NJ after a DUI are $6,105/year
  • The cheapest car insurance company in Fairfield is GEICO

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

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

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

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

How do age, gender, and marital status affect Fairfield, NJ car insurance rates? Every Fairfield, 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 Fairfield, 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 $3,657 $3,639 $3,551 $3,551 $11,542 $14,084 $4,306 $4,423
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 $3,114 $3,024 $2,882 $2,906 $7,045 $7,929 $3,034 $3,005

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Minimum Car Insurance in Fairfield, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $8,499 $5,476 $4,308
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 $5,520 $4,055 $2,776

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

Annual Fairfield, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,560 $7,607 $6,653 $5,556
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 $3,166 $4,708 $4,534 $4,061

Cheapest Fairfield, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,542 $14,084
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 $7,045 $7,929

Cheapest Fairfield, NJ Car Insurance for Seniors

Take a look at Fairfield, 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 Fairfield, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,551 $3,551
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 $2,882 $2,906

Cheapest Fairfield, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,653
Farmers $7,254
GEICO $3,632
Liberty Mutual $6,742
Progressive $3,475
State Farm $10,444
Travelers $4,534

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Cheapest Fairfield, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,083 $6,106
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 $4,117 $4,117

The Best Cheap Car Insurance Companies in Fairfield, NJ

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

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

Insurance Company Average Annual Rates
Allstate $6,094
Farmers $6,795
GEICO $2,561
Liberty Mutual $6,877
Progressive $3,538
State Farm $6,573
Travelers $4,117

Category Winners: Cheapest Car Insurance in Fairfield, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $5,627 $6,183 $6,473
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 $3,792 $4,121 $4,439

What affects car insurance rates in Fairfield, New Jersey?

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

Traffic in Fairfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fairfield, NJ traffic data from INRIX ranks Fairfield as the 658th-most congested in the world.

Compare Car Insurance Quotes in Fairfield, NJ

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

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