Compare Morris Plains, NJ Car Insurance Rates [2023]
Car insurance in Morris Plains, NJ averages $385 a month. Morris Plains, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Morris Plains car insurance rates, compare quotes from the top car insurance companies in Morris Plains, NJ.
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Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Morris Plains, NJ are $4,617/year
- Average car insurance rates in Morris Plains, NJ after a DUI are $5,445/year
- The cheapest car insurance company in Morris Plains is Geico
If you need to buy Morris Plains, New Jersey car insurance, the options can be confusing. Everything you need to know about car insurance in Morris Plains, NJ is right here.
You’ll find Morris Plains car insurance rates, the cheapest Morris Plains, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Morris Plains, New Jersey car insurance rates to Newark car insurance rates, Clifton car insurance rates, and Bayonne car insurance rates.
Ready to find affordable Morris Plains, NJ car insurance today? Enter your ZIP code for fast, free Morris Plains car insurance quotes.
Cheapest Morris Plains, NJ Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Morris Plains, NJ car insurance rates? Every Morris Plains, New Jersey car insurance company weighs these factors differently, so check out the comparison rates.
| 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 | $3,134 | $3,119 | $3,021 | $3,021 | $9,952 | $12,409 | $3,664 | $3,830 |
| Farmers | $3,860 | $3,889 | $3,744 | $3,678 | $11,331 | $13,018 | $4,593 | $4,735 |
| Geico | $2,072 | $2,036 | $2,023 | $2,023 | $3,780 | $3,827 | $2,380 | $2,344 |
| Liberty Mutual | $3,592 | $3,592 | $3,939 | $3,939 | $9,217 | $10,454 | $3,939 | $4,513 |
| Progressive | $1,616 | $1,511 | $1,467 | $1,491 | $7,269 | $8,137 | $1,912 | $1,878 |
| State Farm | $3,630 | $3,630 | $3,272 | $3,272 | $11,692 | $15,026 | $4,125 | $4,607 |
| Travelers | $2,721 | $2,669 | $2,514 | $2,557 | $6,315 | $7,201 | $2,680 | $2,684 |
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Minimum Car Insurance in Morris Plains, NJ
Every driver must carry the minimum car insurance in Morris Plains, NJ. Take a look at the New Jersey car insurance requirements.
| 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 Morris Plains, NJ Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Morris Plains, NJ. Compare credit history car insurance rates in Morris Plains from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,283 | $4,761 | $3,762 |
| Farmers | $7,193 | $5,721 | $5,404 |
| Geico | $3,849 | $2,221 | $1,613 |
| Liberty Mutual | $6,824 | $5,076 | $4,295 |
| Progressive | $3,508 | $3,093 | $2,879 |
| State Farm | $8,893 | $5,377 | $4,200 |
| Travelers | $4,865 | $3,615 | $2,523 |
Cheapest Morris Plains, 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 Morris Plains, NJ to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,961 | $6,553 | $5,751 | $4,810 |
| Farmers | $4,719 | $8,017 | $6,529 | $5,160 |
| Geico | $1,996 | $2,618 | $3,632 | $1,996 |
| Liberty Mutual | $5,187 | $5,926 | $5,293 | $5,187 |
| Progressive | $2,755 | $3,610 | $3,102 | $3,173 |
| State Farm | $3,360 | $6,088 | $9,781 | $5,398 |
| Travelers | $2,834 | $4,168 | $4,030 | $3,640 |
Cheapest Morris Plains, NJ Car Insurance for Teen Drivers
Teen car insurance in Morris Plains, NJ can be expensive. Take a look at rates from the top car insurance companies in Morris Plains for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,952 | $12,409 |
| Farmers | $11,331 | $13,018 |
| Geico | $3,780 | $3,827 |
| Liberty Mutual | $9,217 | $10,454 |
| Progressive | $7,269 | $8,137 |
| State Farm | $11,692 | $15,026 |
| Travelers | $6,315 | $7,201 |
Cheapest Morris Plains, NJ Car Insurance for Seniors
Take a look at Morris Plains, NJ senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,021 | $3,021 |
| Farmers | $3,744 | $3,678 |
| Geico | $2,023 | $2,023 |
| Liberty Mutual | $3,939 | $3,939 |
| Progressive | $1,467 | $1,491 |
| State Farm | $3,272 | $3,272 |
| Travelers | $2,514 | $2,557 |
Cheapest Morris Plains, NJ Car Insurance Rates After a DUI
A DUI in Morris Plains, NJ increases car insurance rates. Compare Morris Plains, New Jersey DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,751 |
| Farmers | $6,529 |
| Geico | $3,632 |
| Liberty Mutual | $5,293 |
| Progressive | $3,102 |
| State Farm | $9,781 |
| Travelers | $4,030 |
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Cheapest Morris Plains, NJ Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Morris Plains, NJ by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,259 | $5,278 |
| Farmers | $6,106 | $6,106 |
| Geico | $2,540 | $2,582 |
| Liberty Mutual | $5,346 | $5,450 |
| Progressive | $3,160 | $3,160 |
| State Farm | $6,004 | $6,309 |
| Travelers | $3,668 | $3,668 |
The Best Cheap Car Insurance Companies in Morris Plains, NJ
Take a look at a side-by-side comparison of the top car insurance companies in Morris Plains, NJ to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,269 |
| Farmers | $6,106 |
| Geico | $2,561 |
| Liberty Mutual | $5,398 |
| Progressive | $3,160 |
| State Farm | $6,157 |
| Travelers | $3,668 |
Category Winners: Cheapest Car Insurance in Morris Plains, New Jersey
Find the cheapest car insurance companies in Morris Plains, NJ for each category right here.
| 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 Morris Plains, NJ Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Morris Plains car insurance rates. Find the cheapest Morris Plains, NJ car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,905 | $5,339 | $5,562 |
| Farmers | $5,565 | $6,103 | $6,650 |
| Geico | $2,299 | $2,612 | $2,772 |
| Liberty Mutual | $4,859 | $5,556 | $5,779 |
| Progressive | $2,882 | $3,214 | $3,385 |
| State Farm | $5,773 | $6,228 | $6,469 |
| Travelers | $3,382 | $3,674 | $3,948 |
What affects car insurance rates in Morris Plains, New Jersey?
What factors can have an impact on Morris Plains, NJ car insurance? There are several reasons why Morris Plains car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Morris Plains, New Jersey.
Commute Time in Morris Plains
The more time you spend in your car the higher the risk of an accident. The average commute length in Morris Plains, NJ is 28.9 minutes according to City-Data.
Compare Car Insurance Quotes in Morris Plains, NJ
Ready to find affordable Morris Plains, New Jersey car insurance today? Enter your ZIP code for fast, free Morris Plains, NJ car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Morris Plains, NJ?
To compare car insurance rates in Morris Plains, NJ, you can follow these steps:
- Gather information: Collect details about your vehicle, driving history, and insurance needs.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Morris Plains, NJ.
- Request quotes: Reach out to different insurance companies and provide the necessary information to receive accurate quotes.
- Compare coverage options: Review the coverage levels, deductibles, and additional features offered by each insurer.
- Evaluate costs: Consider the premiums and any potential discounts offered by each insurer.
- Choose the best option: Select the insurance policy that provides the coverage you need at a price that fits your budget.
What factors can affect car insurance rates in Morris Plains, NJ?
Several factors can influence car insurance rates in Morris Plains, NJ. These may include:
- Your age, gender, and marital status
- Your driving record and claims history
- The make, model, and year of your vehicle
- The coverage limits and deductibles you choose
- The amount of mileage you drive annually
- The location where your vehicle is primarily parked in Morris Plains, NJ
Are car insurance rates the same for all drivers in Morris Plains, NJ?
No, car insurance rates can vary among drivers in Morris Plains, NJ. Insurance companies consider individual factors such as driving record, age, gender, and vehicle type when determining premiums. Each driver’s unique circumstances can affect the rates they receive.
How can I save money on car insurance in Morris Plains, NJ?
Here are some tips to potentially save money on car insurance in Morris Plains, NJ:
- Maintain a clean driving record and avoid accidents or traffic violations.
- Bundle your car insurance with other policies, such as home or renters insurance, to potentially receive a multi-policy discount.
- Inquire about available discounts, such as safe driver discounts or discounts for completing defensive driving courses.
- Consider raising your deductibles if you can afford to pay a higher amount out of pocket in the event of a claim.
- Shop around and compare quotes from different insurance companies to find the most competitive rates.
Are there any specific considerations for car insurance in Morris Plains, NJ?
When obtaining car insurance in Morris Plains, NJ, it’s important to consider the specific driving conditions and risks in the area. Factors such as traffic congestion, local accident rates, and weather patterns may influence the coverage you need. It’s advisable to discuss these considerations with insurance agents or companies familiar with the region.
Where can I find more information about car insurance in Morris Plains, NJ?
To gather more information about car insurance in Morris Plains, NJ, you can:
- Visit the websites of insurance companies that operate in Morris Plains, NJ, and explore their coverage options.
- Contact local insurance agents or brokers who can provide personalized guidance based on your specific needs and location.
- Check with the New Jersey Department of Banking and Insurance or other relevant state agencies for resources and information on car insurance requirements and regulations.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.