Compare Springfield, NJ Car Insurance Rates (2021)

Car insurance in Springfield, NJ averages $451 a month. Springfield, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Springfield car insurance rates, compare quotes from the top car insurance companies in Springfield, 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 Springfield, NJ are $5,413/year
  • Average car insurance rates in Springfield, NJ after a DUI are $6,356/year
  • The cheapest car insurance company in Springfield is GEICO

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

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

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

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

How do age, gender, and marital status affect Springfield, NJ car insurance rates? Every Springfield, 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 Springfield, 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 $3,332 $3,314 $3,214 $3,214 $10,658 $13,322 $3,891 $4,079
Farmers $4,969 $5,018 $4,833 $4,743 $14,748 $16,998 $5,927 $6,082
GEICO $2,344 $2,304 $2,289 $2,289 $4,302 $4,344 $2,700 $2,650
Liberty Mutual $4,270 $4,270 $4,688 $4,688 $11,188 $12,716 $4,688 $5,399
Progressive $2,032 $1,884 $1,839 $1,882 $9,348 $10,337 $2,410 $2,323
State Farm $4,049 $4,049 $3,665 $3,665 $13,246 $17,003 $4,614 $5,159
Travelers $2,934 $2,903 $2,717 $2,779 $6,932 $8,018 $2,912 $2,929

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Minimum Car Insurance in Springfield, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $7,769 $5,088 $4,027
Farmers $9,406 $7,376 $6,963
GEICO $4,377 $2,514 $1,818
Liberty Mutual $8,219 $6,097 $5,150
Progressive $4,471 $3,919 $3,630
State Farm $10,023 $6,051 $4,720
Travelers $5,323 $3,956 $2,768

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

Annual Springfield, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,205 $7,024 $6,156 $5,128
Farmers $6,117 $10,431 $8,456 $6,654
GEICO $2,257 $2,968 $4,129 $2,257
Liberty Mutual $6,233 $7,125 $6,364 $6,233
Progressive $3,460 $4,619 $3,934 $4,014
State Farm $3,773 $6,858 $11,017 $6,077
Travelers $3,098 $4,544 $4,436 $3,985

Cheapest Springfield, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,658 $13,322
Farmers $14,748 $16,998
GEICO $4,302 $4,344
Liberty Mutual $11,188 $12,716
Progressive $9,348 $10,337
State Farm $13,246 $17,003
Travelers $6,932 $8,018

Cheapest Springfield, NJ Car Insurance for Seniors

Take a look at Springfield, 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 Springfield, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,214 $3,214
Farmers $4,833 $4,743
GEICO $2,289 $2,289
Liberty Mutual $4,688 $4,688
Progressive $1,839 $1,882
State Farm $3,665 $3,665
Travelers $2,717 $2,779

Cheapest Springfield, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,156
Farmers $8,456
GEICO $4,129
Liberty Mutual $6,364
Progressive $3,934
State Farm $11,017
Travelers $4,436

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Cheapest Springfield, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,617 $5,639
Farmers $7,915 $7,915
GEICO $2,879 $2,927
Liberty Mutual $6,425 $6,552
Progressive $4,007 $4,007
State Farm $6,756 $7,107
Travelers $4,016 $4,016

The Best Cheap Car Insurance Companies in Springfield, NJ

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

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

Insurance Company Average Annual Rates
Allstate $5,628
Farmers $7,915
GEICO $2,903
Liberty Mutual $6,488
Progressive $4,007
State Farm $6,931
Travelers $4,016

Category Winners: Cheapest Car Insurance in Springfield, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $5,216 $5,707 $5,961
Farmers $7,121 $7,879 $8,745
GEICO $2,608 $2,961 $3,140
Liberty Mutual $5,818 $6,683 $6,964
Progressive $3,606 $4,075 $4,339
State Farm $6,467 $7,017 $7,310
Travelers $3,652 $4,018 $4,377

What affects car insurance rates in Springfield, New Jersey?

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

Traffic in Springfield

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Springfield, NJ traffic data from INRIX ranks Springfield as the 830th-most congested in the world.

Compare Car Insurance Quotes in Springfield, NJ

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

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