Compare Watchung, NJ Car Insurance Rates (2021)

Car insurance in Watchung, NJ averages $484 a month. Watchung, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Watchung car insurance rates, compare quotes from the top car insurance companies in Watchung, 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 Watchung for teen drivers is GEICO
  • Average car insurance rates in Watchung, NJ after a DUI are $6,855/year
  • The cheapest car insurance company in Watchung is GEICO

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

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

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

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

How do age, gender, and marital status affect Watchung, NJ car insurance rates? Every Watchung, 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 Watchung, 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 $4,419 $4,400 $4,308 $4,308 $13,851 $16,666 $5,229 $5,313
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 $4,270 $4,270 $4,688 $4,688 $11,188 $12,716 $4,688 $5,399
Progressive $2,017 $1,868 $1,824 $1,867 $9,250 $10,234 $2,390 $2,304
State Farm $4,768 $4,768 $4,328 $4,328 $15,745 $20,204 $5,445 $6,078
Travelers $3,424 $3,319 $3,176 $3,200 $7,757 $8,760 $3,323 $3,290

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Minimum Car Insurance in Watchung, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $10,279 $6,527 $5,130
Farmers $9,282 $7,256 $6,849
GEICO $3,556 $2,059 $1,499
Liberty Mutual $8,219 $6,097 $5,150
Progressive $4,432 $3,882 $3,594
State Farm $11,886 $7,161 $5,578
Travelers $6,106 $4,457 $3,031

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

Annual Watchung, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,470 $9,152 $7,957 $6,668
Farmers $6,031 $10,274 $8,328 $6,549
GEICO $1,851 $2,424 $3,360 $1,851
Liberty Mutual $6,233 $7,125 $6,364 $6,233
Progressive $3,425 $4,574 $3,899 $3,979
State Farm $4,451 $8,123 $13,065 $7,194
Travelers $3,475 $5,180 $5,015 $4,456

Cheapest Watchung, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,851 $16,666
Farmers $14,517 $16,731
GEICO $3,474 $3,524
Liberty Mutual $11,188 $12,716
Progressive $9,250 $10,234
State Farm $15,745 $20,204
Travelers $7,757 $8,760

Cheapest Watchung, NJ Car Insurance for Seniors

Take a look at Watchung, 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 Watchung, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,308 $4,308
Farmers $4,771 $4,677
GEICO $1,880 $1,880
Liberty Mutual $4,688 $4,688
Progressive $1,824 $1,867
State Farm $4,328 $4,328
Travelers $3,176 $3,200

Cheapest Watchung, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,957
Farmers $8,328
GEICO $3,360
Liberty Mutual $6,364
Progressive $3,899
State Farm $13,065
Travelers $5,015

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Cheapest Watchung, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,298 $7,325
Farmers $7,796 $7,796
GEICO $2,353 $2,390
Liberty Mutual $6,425 $6,552
Progressive $3,969 $3,969
State Farm $7,991 $8,425
Travelers $4,531 $4,531

The Best Cheap Car Insurance Companies in Watchung, NJ

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

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

Insurance Company Average Annual Rates
Allstate $7,312
Farmers $7,796
GEICO $2,371
Liberty Mutual $6,488
Progressive $3,969
State Farm $8,208
Travelers $4,531

Category Winners: Cheapest Car Insurance in Watchung, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $6,684 $7,429 $7,822
Farmers $7,007 $7,750 $8,629
GEICO $2,133 $2,417 $2,564
Liberty Mutual $5,818 $6,683 $6,964
Progressive $3,582 $4,032 $4,293
State Farm $7,576 $8,324 $8,724
Travelers $4,127 $4,529 $4,938

What affects car insurance rates in Watchung, New Jersey?

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

Commute Time in Watchung

The more time you spend in your car the higher the risk of an accident. The average commute length in Watchung, NJ is 41.0 minutes according to City-Data.

Compare Car Insurance Quotes in Watchung, NJ

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

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