Compare Middlesex, NJ Car Insurance Rates (2021)

Car insurance in Middlesex, NJ averages $440 a month. Middlesex, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Middlesex car insurance rates, compare quotes from the top car insurance companies in Middlesex, 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 Middlesex is GEICO
  • Average car insurance rates in Middlesex, NJ are $5,277/year
  • Average car insurance rates in Middlesex, NJ after a DUI are $6,128/year

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

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

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

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

How do age, gender, and marital status affect Middlesex, NJ car insurance rates? Every Middlesex, 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 Middlesex, 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 $3,394 $3,378 $3,295 $3,295 $10,688 $13,062 $3,991 $4,106
Farmers $4,902 $4,952 $4,771 $4,677 $14,517 $16,731 $5,838 $5,976
GEICO $1,933 $1,892 $1,880 $1,880 $3,474 $3,524 $2,207 $2,181
Liberty Mutual $4,606 $4,606 $5,059 $5,059 $12,036 $13,673 $5,059 $5,821
Progressive $2,017 $1,868 $1,824 $1,867 $9,250 $10,234 $2,390 $2,304
State Farm $3,724 $3,724 $3,365 $3,365 $12,082 $15,515 $4,237 $4,734
Travelers $2,822 $2,773 $2,608 $2,660 $6,568 $7,544 $2,780 $2,790

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Minimum Car Insurance in Middlesex, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,869 $5,081 $4,003
Farmers $9,282 $7,256 $6,849
GEICO $3,556 $2,059 $1,499
Liberty Mutual $8,860 $6,567 $5,542
Progressive $4,432 $3,882 $3,594
State Farm $9,165 $5,539 $4,325
Travelers $5,076 $3,760 $2,618

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

Annual Middlesex, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,231 $7,052 $6,169 $5,153
Farmers $6,031 $10,274 $8,328 $6,549
GEICO $1,851 $2,424 $3,360 $1,851
Liberty Mutual $6,713 $7,680 $6,854 $6,713
Progressive $3,425 $4,574 $3,899 $3,979
State Farm $3,460 $6,274 $10,076 $5,562
Travelers $2,947 $4,327 $4,214 $3,784

Cheapest Middlesex, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,688 $13,062
Farmers $14,517 $16,731
GEICO $3,474 $3,524
Liberty Mutual $12,036 $13,673
Progressive $9,250 $10,234
State Farm $12,082 $15,515
Travelers $6,568 $7,544

Cheapest Middlesex, NJ Car Insurance for Seniors

Take a look at Middlesex, 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 Middlesex, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,295 $3,295
Farmers $4,771 $4,677
GEICO $1,880 $1,880
Liberty Mutual $5,059 $5,059
Progressive $1,824 $1,867
State Farm $3,365 $3,365
Travelers $2,608 $2,660

Cheapest Middlesex, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,169
Farmers $8,328
GEICO $3,360
Liberty Mutual $6,854
Progressive $3,899
State Farm $10,076
Travelers $4,214

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Cheapest Middlesex, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,640 $5,662
Farmers $7,796 $7,796
GEICO $2,353 $2,390
Liberty Mutual $6,922 $7,058
Progressive $3,969 $3,969
State Farm $6,184 $6,502
Travelers $3,818 $3,818

The Best Cheap Car Insurance Companies in Middlesex, NJ

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

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

Insurance Company Average Annual Rates
Allstate $5,651
Farmers $7,796
GEICO $2,371
Liberty Mutual $6,990
Progressive $3,969
State Farm $6,343
Travelers $3,818

Category Winners: Cheapest Car Insurance in Middlesex, New Jersey

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

Best Annual Car Insurance Rates by Company in Middlesex, 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

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Cheapest Middlesex, NJ Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $5,214 $5,734 $6,005
Farmers $7,007 $7,750 $8,629
GEICO $2,133 $2,417 $2,564
Liberty Mutual $6,245 $7,203 $7,521
Progressive $3,582 $4,032 $4,293
State Farm $5,931 $6,420 $6,679
Travelers $3,482 $3,820 $4,153

What affects car insurance rates in Middlesex, New Jersey?

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

Commute Time in Middlesex

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

Compare Car Insurance Quotes in Middlesex, NJ

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

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