Elizabeth, NJ Auto Insurance | Cheap Car Insurance in Elizabeth, NJ

Residents in need of cheap car insurance in Elizabeth, NJ have several choices. The best Elizabeth, NJ car insurance companies so far are Allstate, Mercury, Cal Casualty, State Farm, and Amica. Allstate offers Elizabeth, NJ auto insurance at $72.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 28, 2020

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New Jersey auto insurance requires drivers to get 15/30/5 in liability coverage. Liability insurance pays if the driver is at fault for the accident. Residents who need cheap car insurance in Elizabeth, NJ have a few options. The best Elizabeth, NJ car insurance companies providing affordable premiums are the following: Allstate, Mercury, Cal Casualty, State Farm, and Amica. Allstate provides the cheapest Elizabeth, NJ auto insurance at $72.

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+)”.

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 Elizabeth, NJ auto insurance quotes from the top-rated providers now, input your ZIP code into the quote box in this article.

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.

Some have wondered whether they could find cheaper auto insurance in Elizabeth, New Jersey or Florida. 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.

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How much does car insurance cost in Elizabeth?

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

 

Allstate and Mercury are offering some of the cheapest auto insurance in Elizabeth, New Jersey 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 Factors in Cheap Car Insurance in Elizabeth, New Jersey

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 CodeLegend: Newark Paterson Elizabeth Edison Jersey City Allstate Mercury Cal Casualty State Farm Amica 153045607590105120135150$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 affordable Elizabeth, NJ auto insurance. 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, NJLegend: Elizabeth Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 123424124

 

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 PolicyLegend: Basic Coverage Comprehensive Coverage Allstate Mercury Cal Casualty State Farm Amica 306090120150180210240270$72$137$93$150$96$214$124$208$163$284

 

Elizabeth Auto Insurance Costs by Credit Score

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

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Mercury Cal Casualty State Farm Amica 100200300400500600700$72$85$99$119$93$136$131$158$96$138$312$188$124$209Do Not Sell$469$163$224$705$163

 

Auto Insurance Premiums by Age in Elizabeth

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 ComparisonLegend: 34 Year Old Male 17 Year Old Male Allstate Mercury Cal Casualty State Farm Amica 50100150200250300350400450500550600650700$72$234$93$715$96$244$124$402$163$526

 

Elizabeth Auto Insurance Premiums by Accident and Violation History

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 ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Mercury Cal Casualty State Farm Amica 100200300400500600700$72$85$99$119$93$136$131$158$96$138$312$188$124$209Do 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/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Mercury Cal Casualty State Farm Amica 306090120150180210240270300$72$163$93$176$96$222$124$241$163$300

 

Minor Factors in Cheap Auto Insurance in Elizabeth, New Jersey

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

Elizabeth Car Insurance Premiums by Gender and 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.

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 Elizabeth, NJ auto insurance 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.

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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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