Compare Elizabeth, NJ Car Insurance Rates (2021)

The cheapest Elizabeth, NJ car insurance is from GEICO, although rates will be different for every driver. Auto insurance in Elizabeth must meet the New Jersey state minimums of 15/30/5 in liability coverage, $15,000 in PIP, and 15/30 in uninsured/underinsured motorist coverage. Compare Elizabeth, NJ car insurance rates online to find your best deal.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: May 12, 2021

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Here's what you need to know...

  • GEICO has the cheapest Elizabeth, NJ car insurance on average
  • Elizabeth, New Jersey car insurance is more expensive than average
  • Drivers in Elizabeth have a long commute time and share traffic with New York City

Elizabeth, NJ car insurance is more expensive than the New Jersey car insurance average and the national average.

However, you can still find affordable Elizabeth, NJ car insurance if you shop around. Compare quotes from different companies to find the cheap car insurance that fits your needs.

Enter your ZIP code to compare Elizabeth, NJ car insurance rates from multiple companies near you for free.

What is the cheapest car insurance company in Elizabeth, NJ?

The cheapest Elizabeth, NJ car insurance company is GEICO, but rates will be different for every driver.

The top Elizabeth, NJ car insurance companies listed from least to most expensive are:

  • GEICO – $3,798.87
  • Travelers – $6,107.40
  • Progressive – $6,214.14
  • Allstate – $7,928.72
  • Liberty Mutual – $9,817.84
  • State Farm – $11,789.64
  • Farmers – $12,283.07

Your car insurance rates are affected by many different factors, such as your age, gender, credit history, and driving record.

Where you live and the size of your city affects your rates also. People in larger cities with more crime and traffic will pay more for car insurance. For example, Newark car insurance is more expensive than coverage in Elizabeth.

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What car insurance coverage is required in Elizabeth, NJ?

New Jersey, like most states, requires drivers to carry at least a minimum amount of car insurance. Drivers in Elizabeth must have:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage
  • $15,000 in personal injury protection (PIP) coverage
  • $15,000 per person and $30,000 per incident for uninsured/underinsured motorist coverage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

What affects car insurance rates in Elizabeth, NJ?

Traffic can affect your car insurance because more cars on the road mean a greater chance of being in an accident.

Although INRIX doesn’t list data for Elizabeth, NJ, it does rank nearby New York City, NY the most congested city in the U.S. and the third most congested city in the world.

City-Data reports that most drivers in Elizabeth commute around 15-20 minutes, but a significant number of drivers commute an hour or more.

Theft can also increase your auto insurance rates. According to the FBI, there were 895 motor vehicle thefts in one year in Elizabeth, NJ.

Elizabeth, NJ Car Insurance: The Bottom Line

Although Elizabeth auto insurance is more expensive than average, you can still find a good deal. Before you buy Elizabeth, NJ car insurance, shop around and compare rates to see who has the cheapest coverage.

Enter your ZIP code now to compare Elizabeth, NJ car insurance quotes from multiple companies near you.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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