Compare Oak Valley, NJ Car Insurance Rates (2021)

Car insurance in Oak Valley, NJ averages $437 a month. Oak Valley, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Oak Valley car insurance rates, compare quotes from the top car insurance companies in Oak Valley, 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

  • Average car insurance rates in Oak Valley, NJ after a DUI are $6,157/year
  • Average car insurance rates in Oak Valley, NJ are $5,242/year
  • The cheapest car insurance company in Oak Valley for teen drivers is GEICO

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

You’ll find Oak Valley car insurance rates, the cheapest Oak Valley, NJ car insurance companies, and information on New Jersey car insurance laws. You can also compare Oak Valley, New Jersey car insurance rates to Passaic car insurance rates, Elizabeth car insurance rates, and Camden car insurance rates.

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

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

How do age, gender, and marital status affect Oak Valley, NJ car insurance rates? Every Oak Valley, 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 Oak Valley, 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 $3,350 $3,334 $3,256 $3,256 $10,525 $12,857 $3,940 $4,052
Farmers $4,678 $4,718 $4,563 $4,448 $13,479 $15,472 $5,539 $5,588
GEICO $2,090 $2,046 $2,033 $2,033 $3,754 $3,774 $2,389 $2,345
Liberty Mutual $4,453 $4,453 $4,888 $4,888 $11,481 $13,021 $4,888 $5,605
Progressive $2,009 $1,852 $1,813 $1,878 $8,968 $9,730 $2,368 $2,227
State Farm $4,080 $4,080 $3,703 $3,703 $13,398 $17,188 $4,654 $5,196
Travelers $2,766 $2,703 $2,564 $2,596 $6,306 $7,147 $2,710 $2,698

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Minimum Car Insurance in Oak Valley, NJ

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

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

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

Annual Car Insurance Rates by Credit Score in Oak Valley, New Jersey

Insurance Company Poor Fair Good
Allstate $7,768 $4,998 $3,949
Farmers $8,752 $6,785 $6,395
GEICO $3,844 $2,218 $1,611
Liberty Mutual $8,503 $6,305 $5,322
Progressive $4,329 $3,767 $3,470
State Farm $10,123 $6,111 $4,766
Travelers $4,921 $3,631 $2,507

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

Annual Oak Valley, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,174 $6,961 $6,068 $5,081
Farmers $5,683 $9,597 $7,844 $6,118
GEICO $1,992 $2,615 $3,633 $1,992
Liberty Mutual $6,443 $7,376 $6,576 $6,443
Progressive $3,295 $4,469 $3,795 $3,862
State Farm $3,810 $6,927 $11,125 $6,138
Travelers $2,844 $4,199 $4,058 $3,644

Cheapest Oak Valley, NJ Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Oak Valley, New Jersey

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,525 $12,857
Farmers $13,479 $15,472
GEICO $3,754 $3,774
Liberty Mutual $11,481 $13,021
Progressive $8,968 $9,730
State Farm $13,398 $17,188
Travelers $6,306 $7,147

Cheapest Oak Valley, NJ Car Insurance for Seniors

Take a look at Oak Valley, 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 Oak Valley, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,256 $3,256
Farmers $4,563 $4,448
GEICO $2,033 $2,033
Liberty Mutual $4,888 $4,888
Progressive $1,813 $1,878
State Farm $3,703 $3,703
Travelers $2,564 $2,596

Cheapest Oak Valley, NJ Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Oak Valley, New Jersey

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,068
Farmers $7,844
GEICO $3,633
Liberty Mutual $6,576
Progressive $3,795
State Farm $11,125
Travelers $4,058

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Cheapest Oak Valley, NJ Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Oak Valley, New Jersey

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,561 $5,581
Farmers $7,311 $7,311
GEICO $2,537 $2,579
Liberty Mutual $6,645 $6,774
Progressive $3,856 $3,856
State Farm $6,818 $7,182
Travelers $3,686 $3,686

The Best Cheap Car Insurance Companies in Oak Valley, NJ

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

Average Annual Car Insurance Rates by Company in Oak Valley, New Jersey

Insurance Company Average Annual Rates
Allstate $5,571
Farmers $7,311
GEICO $2,558
Liberty Mutual $6,710
Progressive $3,856
State Farm $7,000
Travelers $3,686

Category Winners: Cheapest Car Insurance in Oak Valley, New Jersey

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

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

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

Annual Car Insurance Rates by Coverage Level in Oak Valley, New Jersey

Insurance Company Low Medium High
Allstate $5,120 $5,656 $5,938
Farmers $6,525 $7,257 $8,149
GEICO $2,285 $2,606 $2,783
Liberty Mutual $5,971 $6,921 $7,238
Progressive $3,465 $3,917 $4,185
State Farm $6,486 $7,095 $7,420
Travelers $3,385 $3,689 $3,985

What affects car insurance rates in Oak Valley, New Jersey?

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

Commute Time in Oak Valley

The more time you spend in your car the higher the risk of an accident. The average commute length in Oak Valley, NJ is 32.8 minutes according to City-Data.

Compare Car Insurance Quotes in Oak Valley, NJ

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

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