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In the market for cheap auto insurance in Elizabeth, NJ? With AutoInsuranceEZ.com, you will discover the lowest priced insurance rates close to you. To acquire free car insurance rates from the top rated providers now, input your zipcode into the quote box in this article.

Elizabeth was originally founded during the colonial period and named “Elizabethtown” after one of the founder’s wives. Despite several battles during the city’s early days, it grew prosperous when various industries arrived during the late 19th century. Elizabeth is divided into several distinct neighborhoods and districts, including Bayway, Elmora, and Frog Hollow, among others.

  • Fun fact: Where do you think that guy is from? Because Elizabeth is #25 on the list of “Top 100 cities with highest percentage of foreign-born residents (pop. 50,000+)”. Thinking of learning more about Elizabeth? Click here!

Auto Insurance Coverage Requirements in New Jersey

Driving legally in Elizabeth requires:

Coverage Requirements Most Common
Bodily Injury Liability 15,000/30,000 100,000/300,000
Property Damage Liability 5,000 50,000
Uninsured Motorist Bodily Injury 15,000/30,000 15,000/30,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Keep in mind that Uninsured Motorist coverage, specifically that which pertains to Bodily Injury, is a requirement in New Jersey. This addition to your policy will pay up to $30,000 in medical bills should you be struck or otherwise injured by a motorist who doesn’t have insurance, or who hits you and runs away.

Driving in New Jersey can get expensive. The average driver is reportedly paying up to $159 or more each month just to maintain their automotive insurance policy. But things are a little bit different in Elizabeth. You can actually lower that down to $106/mo* or less if you know how to look for the best deals.

Average Monthly Auto Insurance Premiums Legend: Elizabeth Allstate Mercury Cal Casualty State Farm Amica $ $72 $ $93 $ $96 $ $124 $ $163

 

Allstate and Mercury are offering some of the cheapest New Jersey car insurance rates in the Elizabeth area right now. But keep in mind, these estimates are for the average driver. If you’ve had a DUI in your recent past, or you’re under the age of 25, these special circumstances might make your quite substantially higher.

Auto insurance carriers evaluate many variables when establishing insurance quotes, like marital status, accident claims, credit score/rating, driving distance to work, and current insurance coverage and limits. On top of that, premiums might vary from one company to another. To make sure you’re still getting the best premium, examine cheap Elizabeth auto insurance premiums online.

Major Car Insurance Factors in Elizabeth

Auto insurance carriers evaluate many variables when establishing insurance quotes, like marital status, accident claims, credit score/rating, driving distance to work, and current insurance coverage and limits. On top of that, premiums might vary from one company to another. To make sure you’re still getting the best premium, examine cheap Elizabeth auto insurance premiums online.

  • Your Zip Code

Your car insurance rates can vary depending on the place you live. Generally, populous urban centers possess greater car insurance rates as the additional amount of drivers on the highway increases the probability of an accident! There are 127,558 people in Elizabeth and also the typical household income is $42,386.

Auto Insurance by Zip Code Legend: Newark Paterson Elizabeth Edison Jersey City Allstate Mercury Cal Casualty State Farm Amica 15 30 45 60 75 90 105 120 135 150 $72 $71 $72 $51 $72 $96 $96 $93 $64 $78 $100 $99 $96 $68 $86 $124 $124 $124 $86 $109 $164 $164 $163 $102 $144

 

  • Automotive Accidents

The fewer deadly accidents which occur in your area, the more likely you are to be offered an automatic discount when it comes to your monthly premiums. Take a look at the statistics for Elizabeth. For a town with over 125,000 people living in it, that’s pretty good. You may already be benefitting from some savings because of it.

Fatal Accidents in Elizabeth, NJ Legend: Elizabeth Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 2 4 1 2 4

 

  • Auto Thefts in Elizabeth

Although Elizabeth might have low rates of deadly accidents, its rate of auto theft is alarmingly high. There were 1,001 vehicles reported stolen in 2013 alone, which makes the per capita rate of theft incredibly high. You can protect your vehicle with an anti-theft device, and also by making sure your policy is equipped with Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Allstate Mercury Cal Casualty State Farm Amica 30 60 90 120 150 180 210 240 270 $72 $137 $93 $150 $96 $214 $124 $208 $163 $284

 

  • Your Credit Score

Some providers in certain areas are more forgiving when it comes to drivers who have imperfect credit. Unfortunately, Elizabeth auto insurance companies aren’t among such providers. But if you have poor credit, Mercury might offer you a relatively fair policy quote.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Allstate Mercury Cal Casualty State Farm Amica 30 60 90 120 150 180 210 240 270 300 $65 $138 $80 $152 $81 $164 $102 $234 $125 $304

 

  • Your Age

Trying to insure a driver under the age of 25 is a tricky and costly endeavor. There are Good Student discounts, as well as discounts for taking driving classes, but they only do so much. Parents can help their young teenage drivers by bundling them onto a family automotive insurance plan.

Auto Policy Age Comparison Legend: 34 Year Old Male 17 Year Old Male Allstate Mercury Cal Casualty State Farm Amica 50 100 150 200 250 300 350 400 450 500 550 600 650 700 $72 $234 $93 $715 $96 $244 $124 $402 $163 $526

 

  • Your Driving Record

It seems as though New Jersey insurance companies are particularly unforgiving when it comes to serious accidents and DUIs (just look at the chart below). However, that doesn’t mean it’s impossible to get a decent premium with an imperfect driving record. Call your agent today and ask if you qualify for an Accident Forgiveness discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Mercury Cal Casualty State Farm Amica 100 200 300 400 500 600 700 $72 $85 $99 $119 $93 $136 $131 $158 $96 $138 $312 $188 $124 $209 Do Not Sell $469 $163 $224 $705 $163

 

  • Your Vehicle

If you’re going to drive an expensive vehicle, then you’re going to have to purchase a great deal of insurance coverage in order to protect it. And the more coverage you buy, the greater the risk you are asking your provider to take on you. As you may have figured out by now, insurance providers mitigate this risk by charging higher monthly premiums.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Mercury Cal Casualty State Farm Amica 30 60 90 120 150 180 210 240 270 300 $72 $163 $93 $176 $96 $222 $124 $241 $163 $300

 

Minor Car Insurance Factors in Elizabeth

Some people are unaware of one or more of the factors above. Yet still more drivers aren’t aware of these factors either:

  • Your Marital Status

If you’re worried about being charged more based on your gender, don’t fret too much. Most companies are aware that not only is this factor beyond your control, but that it doesn’t make you any more or less likely to get into an accident than anyone else. If your provider does charge a different rate, it rarely goes beyond a 2-3% difference.

  • Your Gender

If you’re worried about being charged more based on your gender, don’t fret too much. Most companies are aware that not only is this factor beyond your control, but that it doesn’t make you any more or less likely to get into an accident than anyone else. If your provider does charge a different rate, it rarely goes beyond a 2-3% difference.

  • Your Driving Distance to Work

Depending on individual circumstances, Elizabeth residents can expect to spend 22-35 minutes behind the wheel while commuting. One of the reasons it is more expensive to obtain insurance in Elizabeth has to do with the number of drivers on the road: nearly 56% of residents take their own vehicle to work each day. Only 9-11% carpool and less than 8% take the bus.

Reducing your yearly mileage might seem like a great way to lower your premiums, but the actual numbers don’t paint a very rosy picture. You’d have to drive 5,000 miles less than you currently are just to see a meager 5% difference, which can significantly inconvenience you.

  • Your Coverage and Deductibles

Are you sick of paying high monthly rates for your monthly insurance coverage? Then talk to your provider about raising your deductible. This will make it more expensive in the event that you have to file a Collision or Comprehensive coverage claim, but it will likely lower your monthly premiums by 11-12% or more.

  • Education in Elizabeth, NJ

38% of Elizabeth residents have not yet completed their high school education, while an additional 32% have graduated with either a high school diploma or other equivalent. But if you’d like to save money on Elizabeth car insurance, you might want to think about going back to school. Research shows that drivers with advanced degrees pay dramatically lower auto insurance rates. These rates are even lower than those for drivers with specialized jobs, or who earn a great deal more than other motorists.

There are several local options for those in Elizabeth who would like to improve upon their education. Union County College offers dozens of associates degrees and certificates in everything from Accounting to Visual Arts. Additionally, the Drake College of Business has been operational since the late 1800’s and offers specialized business degrees in Dental Assisting and Medical Office Technology.

Regrettably for nearly all insurance agencies, a straightforward internet search can uncover quite a few of their business tricks. But even with the proper information, it might still be tricky for you as an individual to understand your own risk profile and find cheaper insurance. Be sure you do your due diligence prior to committing to your upcoming automobile insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

Sources:

New Jersey Division of Insurance

New Jersey Office of Public Finance

Department of Highway Safety and Motor Vehicles

City-Data.com

Census.gov

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