Compare Wharton, NJ Car Insurance Rates (2021)

Car insurance in Wharton, NJ averages $395 a month. Wharton, New Jersey car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Wharton car insurance rates, compare quotes from the top car insurance companies in Wharton, 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 Wharton, NJ are $4,738/year
  • Average car insurance rates in Wharton, NJ after a DUI are $5,611/year
  • The cheapest car insurance company in Wharton for teen drivers is GEICO

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

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

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

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

How do age, gender, and marital status affect Wharton, NJ car insurance rates? Every Wharton, 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 Wharton, 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 $2,881 $2,868 $2,767 $2,767 $9,085 $11,381 $3,360 $3,526
Farmers $4,055 $4,086 $3,933 $3,862 $11,904 $13,679 $4,824 $4,967
GEICO $1,990 $1,939 $1,925 $1,925 $3,537 $3,602 $2,260 $2,244
Liberty Mutual $3,592 $3,592 $3,939 $3,939 $9,217 $10,454 $3,939 $4,513
Progressive $1,760 $1,637 $1,592 $1,628 $7,906 $8,783 $2,080 $2,020
State Farm $3,960 $3,960 $3,586 $3,586 $12,938 $16,606 $4,512 $5,040
Travelers $2,960 $2,870 $2,738 $2,760 $6,651 $7,473 $2,880 $2,853

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Minimum Car Insurance in Wharton, NJ

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

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

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

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

Insurance Company Poor Fair Good
Allstate $6,659 $4,373 $3,456
Farmers $7,570 $6,002 $5,669
GEICO $3,643 $2,107 $1,533
Liberty Mutual $6,824 $5,076 $4,295
Progressive $3,819 $3,351 $3,108
State Farm $9,793 $5,914 $4,614
Travelers $5,231 $3,837 $2,627

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

Annual Wharton, New Jersey Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,658 $5,978 $5,261 $4,420
Farmers $4,958 $8,425 $6,858 $5,415
GEICO $1,892 $2,482 $3,445 $1,892
Liberty Mutual $5,187 $5,926 $5,293 $5,187
Progressive $2,969 $3,928 $3,367 $3,441
State Farm $3,689 $6,702 $10,764 $5,939
Travelers $3,001 $4,457 $4,292 $3,842

Cheapest Wharton, NJ Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,085 $11,381
Farmers $11,904 $13,679
GEICO $3,537 $3,602
Liberty Mutual $9,217 $10,454
Progressive $7,906 $8,783
State Farm $12,938 $16,606
Travelers $6,651 $7,473

Cheapest Wharton, NJ Car Insurance for Seniors

Take a look at Wharton, 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 Wharton, New Jersey

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,767 $2,767
Farmers $3,933 $3,862
GEICO $1,925 $1,925
Liberty Mutual $3,939 $3,939
Progressive $1,592 $1,628
State Farm $3,586 $3,586
Travelers $2,738 $2,760

Cheapest Wharton, NJ Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,261
Farmers $6,858
GEICO $3,445
Liberty Mutual $5,293
Progressive $3,367
State Farm $10,764
Travelers $4,292

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Cheapest Wharton, NJ Car Insurance Rates by Commute Length

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

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,821 $4,838
Farmers $6,414 $6,414
GEICO $2,409 $2,447
Liberty Mutual $5,346 $5,450
Progressive $3,426 $3,426
State Farm $6,600 $6,947
Travelers $3,898 $3,898

The Best Cheap Car Insurance Companies in Wharton, NJ

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

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

Insurance Company Average Annual Rates
Allstate $4,829
Farmers $6,414
GEICO $2,428
Liberty Mutual $5,398
Progressive $3,426
State Farm $6,774
Travelers $3,898

Category Winners: Cheapest Car Insurance in Wharton, New Jersey

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

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

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

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

Insurance Company Low Medium High
Allstate $4,523 $4,888 $5,076
Farmers $5,833 $6,405 $7,003
GEICO $2,197 $2,471 $2,616
Liberty Mutual $4,859 $5,556 $5,779
Progressive $3,129 $3,482 $3,666
State Farm $6,304 $6,861 $7,156
Travelers $3,589 $3,901 $4,205

What affects car insurance rates in Wharton, New Jersey?

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

Commute Time in Wharton

The more time you spend in your car the higher the risk of an accident. The average commute length in Wharton, NJ is 26.5 minutes according to City-Data.

Compare Car Insurance Quotes in Wharton, NJ

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

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