Compare Hightstown, NJ Car Insurance Rates (2021)

Car insurance in Hightstown, NJ averages $416 a month. Hightstown, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Hightstown car insurance rates, compare quotes from the top car insurance companies in Hightstown, 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 Hightstown for teen drivers is GEICO
  • The cheapest car insurance company in Hightstown is GEICO
  • Average car insurance rates in Hightstown, NJ are $4,995/year

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

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

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

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

How do age, gender, and marital status affect Hightstown, NJ car insurance rates? Every Hightstown, 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 Hightstown, 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 $3,250 $3,233 $3,141 $3,141 $10,286 $12,737 $3,805 $3,957
Farmers $4,143 $4,178 $4,034 $3,945 $12,013 $13,800 $4,913 $5,000
GEICO $2,025 $1,981 $1,968 $1,968 $3,629 $3,659 $2,311 $2,274
Liberty Mutual $3,984 $3,984 $4,372 $4,372 $10,349 $11,750 $4,372 $5,025
Progressive $1,741 $1,615 $1,577 $1,619 $7,761 $8,541 $2,053 $1,970
State Farm $3,952 $3,952 $3,579 $3,579 $12,904 $16,564 $4,503 $5,029
Travelers $3,352 $3,236 $3,102 $3,118 $7,508 $8,407 $3,244 $3,198

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Minimum Car Insurance in Hightstown, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,544 $4,909 $3,879
Farmers $7,739 $6,056 $5,715
GEICO $3,719 $2,149 $1,563
Liberty Mutual $7,627 $5,664 $4,787
Progressive $3,751 $3,286 $3,042
State Farm $9,770 $5,900 $4,604
Travelers $5,928 $4,324 $2,934

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

Annual Hightstown, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,084 $6,783 $5,941 $4,967
Farmers $5,048 $8,536 $6,964 $5,465
GEICO $1,930 $2,532 $3,515 $1,930
Liberty Mutual $5,789 $6,617 $5,909 $5,789
Progressive $2,899 $3,867 $3,303 $3,369
State Farm $3,681 $6,686 $10,739 $5,925
Travelers $3,373 $5,040 $4,850 $4,318

Cheapest Hightstown, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,286 $12,737
Farmers $12,013 $13,800
GEICO $3,629 $3,659
Liberty Mutual $10,349 $11,750
Progressive $7,761 $8,541
State Farm $12,904 $16,564
Travelers $7,508 $8,407

Cheapest Hightstown, NJ Car Insurance for Seniors

Take a look at Hightstown, 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 Hightstown, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,141 $3,141
Farmers $4,034 $3,945
GEICO $1,968 $1,968
Liberty Mutual $4,372 $4,372
Progressive $1,577 $1,619
State Farm $3,579 $3,579
Travelers $3,102 $3,118

Cheapest Hightstown, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,941
Farmers $6,964
GEICO $3,515
Liberty Mutual $5,909
Progressive $3,303
State Farm $10,739
Travelers $4,850

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Cheapest Hightstown, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,434 $5,454
Farmers $6,503 $6,503
GEICO $2,457 $2,497
Liberty Mutual $5,968 $6,084
Progressive $3,360 $3,360
State Farm $6,585 $6,931
Travelers $4,395 $4,395

The Best Cheap Car Insurance Companies in Hightstown, NJ

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

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

Insurance Company Average Annual Rates
Allstate $5,444
Farmers $6,503
GEICO $2,477
Liberty Mutual $6,026
Progressive $3,360
State Farm $6,758
Travelers $4,395

Category Winners: Cheapest Car Insurance in Hightstown, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $5,044 $5,520 $5,767
Farmers $5,843 $6,470 $7,196
GEICO $2,220 $2,525 $2,685
Liberty Mutual $5,410 $6,205 $6,463
Progressive $3,039 $3,415 $3,625
State Farm $6,286 $6,845 $7,142
Travelers $4,034 $4,396 $4,756

What affects car insurance rates in Hightstown, New Jersey?

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

Commute Time in Hightstown

The more time you spend in your car the higher the risk of an accident. The average commute length in Hightstown, NJ is 27.0 minutes according to City-Data.

Compare Car Insurance Quotes in Hightstown, NJ

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

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