Compare Garfield, NJ Car Insurance Rates (2021)

Car insurance in Garfield, NJ averages $611 a month. Garfield, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Garfield car insurance rates, compare quotes from the top car insurance companies in Garfield, 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 Garfield for teen drivers is GEICO
  • Average car insurance rates in Garfield, NJ after a DUI are $8,729/year
  • The cheapest car insurance company in Garfield is GEICO

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

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

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

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

How do age, gender, and marital status affect Garfield, NJ car insurance rates? Every Garfield, 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 Garfield, 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 $4,428 $4,409 $4,331 $4,331 $13,756 $16,344 $5,254 $5,287
Farmers $6,400 $6,449 $6,243 $6,053 $18,385 $21,055 $7,561 $7,562
GEICO $2,840 $2,801 $2,788 $2,788 $5,217 $5,104 $3,291 $3,148
Liberty Mutual $5,944 $5,944 $6,537 $6,537 $15,638 $17,770 $6,537 $7,529
Progressive $2,590 $2,372 $2,329 $2,421 $11,816 $12,775 $3,062 $2,854
State Farm $6,360 $6,360 $5,773 $5,773 $21,202 $27,218 $7,276 $8,127
Travelers $4,257 $4,060 $3,952 $3,939 $9,301 $10,309 $4,062 $3,961

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Minimum Car Insurance in Garfield, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $10,255 $6,472 $5,076
Farmers $11,990 $9,222 $8,679
GEICO $5,294 $3,022 $2,176
Liberty Mutual $11,502 $8,501 $7,160
Progressive $5,666 $4,909 $4,506
State Farm $15,975 $9,597 $7,461
Travelers $7,501 $5,380 $3,559

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

Annual Garfield, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,436 $9,101 $7,906 $6,628
Farmers $7,734 $13,093 $10,726 $8,301
GEICO $2,708 $3,577 $4,996 $2,708
Liberty Mutual $8,692 $9,959 $8,875 $8,692
Progressive $4,270 $5,854 $4,950 $5,035
State Farm $5,941 $10,897 $17,564 $9,643
Travelers $4,177 $6,320 $6,084 $5,338

Cheapest Garfield, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,756 $16,344
Farmers $18,385 $21,055
GEICO $5,217 $5,104
Liberty Mutual $15,638 $17,770
Progressive $11,816 $12,775
State Farm $21,202 $27,218
Travelers $9,301 $10,309

Cheapest Garfield, NJ Car Insurance for Seniors

Take a look at Garfield, 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 Garfield, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,331 $4,331
Farmers $6,243 $6,053
GEICO $2,788 $2,788
Liberty Mutual $6,537 $6,537
Progressive $2,329 $2,421
State Farm $5,773 $5,773
Travelers $3,952 $3,939

Cheapest Garfield, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,906
Farmers $10,726
GEICO $4,996
Liberty Mutual $8,875
Progressive $4,950
State Farm $17,564
Travelers $6,084

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Cheapest Garfield, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,254 $7,281
Farmers $9,964 $9,964
GEICO $3,467 $3,528
Liberty Mutual $8,965 $9,144
Progressive $5,027 $5,027
State Farm $10,716 $11,306
Travelers $5,480 $5,480

The Best Cheap Car Insurance Companies in Garfield, NJ

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

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

Insurance Company Average Annual Rates
Allstate $7,268
Farmers $9,964
GEICO $3,497
Liberty Mutual $9,054
Progressive $5,027
State Farm $11,011
Travelers $5,480

Category Winners: Cheapest Car Insurance in Garfield, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $6,620 $7,389 $7,794
Farmers $8,904 $9,878 $11,108
GEICO $3,089 $3,570 $3,833
Liberty Mutual $8,080 $9,332 $9,752
Progressive $4,514 $5,103 $5,464
State Farm $10,146 $11,169 $11,718
Travelers $4,972 $5,470 $5,997

What affects car insurance rates in Garfield, New Jersey?

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

Commute Time in Garfield

The more time you spend in your car the higher the risk of an accident. The average commute length in Garfield, NJ is 27.5 minutes according to City-Data.

Compare Car Insurance Quotes in Garfield, NJ

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

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