Best Auto Insurance Rates in Elizabeth, New Jersey

On average your neighbors pay $104 a month.

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Compare Auto Insurance in Elizabeth

Thursday, January 3 2019 By Shantae Young

Founded in 1664, Elizabeth was the first capital of the state of New Jersey. That's just the first of many firsts for which Elizabeth is known. Elizabeth also gave us the first ice cream soda, one of the first modern sewing machines, the first submarine, and the state’s first assembly-line carmaker.

Average Elizabeth Car Insurance Rates

How much is car insurance in Elizabeth, NJ? Car insurance rates in Elizabeth are higher than the national average. Which makes sense, as New Jersey is the most expensive state in America for this type of insurance. The average cost of auto insurance in New Jersey is $1,265.69 per year. The national average price is $889.01.

Prices will vary depending on multiple factors including your driving record and the number of points on your driver's license, limits, coverage, your car, and the number of claims filed in your zip code.

New Jersey Average Annual Car Insurance Rates
Coverage Rates
Liability $869.57
Collision $381.86
Comprehensive $131.35
Total Cost Per Year $1,265.69
Price Per Month $104.72
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average New Jersey insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, New Jersey car insurance rates increased from $1,186 in 2011 to $1,263 in 2015, a jump of $79, or 6.70 percent.

New Jersey average car insurance rates

QuoteWizard helps consumers compare quotes from both top national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Elizabeth, New Jersey and save up to 40% on your premium.

Last year, 1,178 people used QuoteWizard to compare auto insurance quotes in Elizabeth, NJ from multiple companies to lower their rates.

Best Car Insurance Companies in Elizabeth, NJ

This is our list of the top most common car insurance companies reported by QuoteWizard users living in Elizabeth, New Jersey last year. Of these users, only 39 did not have insurance when they requested a quote.

  1. GEICO
  2. Progressive
  3. Allstate
  4. Liberty Mutual
  5. Esurance
  6. Farmers
  7. State Farm
  8. AAA
  9. Mercury
  10. Travelers
Get a quote from some of these top rated insurers! Request Quote Get a Quote From Top Insurers

Other popular Elizabeth, New Jersey car insurance companies: AIG, Hartford, Nationwide, USAA, MetLife, Farm Bureau, American Family, and Amica.

Top 10 Vehicles

These are the most common car makes and models owned by Elizabeth, NJ drivers who requested quotes through QuoteWizard last year.

  1. Honda Accord EX/LX/DX
  2. Honda Civic EX/LX
  3. Honda Pilot EX
  4. Toyota RAV4
  5. Chrysler Pacifica
  6. Honda Odyssey EX
  7. GMC Envoy
  8. Ford Explorer
  9. Jeep Grand Cherokee Laredo
  10. Jeep Grand Cherokee Limited
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Elizabeth, NJ

Elizabeth, New Jersey has a minimum coverage requirement known as the 15/30/5 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most an insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The total an insurance carrier will pay for property damage caused by a car accident.
  • Personal Injury Protection (PIP): $15,000.
    This coverage pays for your medical expenses or any of your passengers who are hurt in an accident regardless of who is at fault.

Driving Conditions

Driving conditions like weather and traffic congestion can influence your insurance rates.

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Weather

Elizabeth’s climate is warm and humid. That means long, hot summers and little to no dry season. On average, the city sees around 206 sunny days annually. Rain is common here as well, with 46 inches of it falling in an average year. Residents are used to dealing with snow too. An average of 26 inches of the fluffy stuff falls every year, which is a big deal thanks to its impact on local driving conditions.

Road Conditions

According to TRIPNET, 37 percent of New Jersey's major roads are in poor condition. These pothole-filled roads cost motorists a total of $6.9 billion annually—or $632 per motorist—in extra vehicle operating costs.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record and need to purchase expensive high-risk auto insurance.

Traffic Tickets

The Municipal Court page on the City of Elizabeth website provides important court information, including hours of operation and how you can pay off traffic infractions.

The Elizabeth Municipal Court filed 105,780 traffic cases in 2015. That’s a 9 percent decrease from the 115,868 traffic cases filed in 2014.

DWI Case Filings

Elizabeth filed 171 driving while influenced (DWI) cases in 2015. That’s equal to the number of DWI cases filed in 2014.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Request a quote and we'll will connect you with local agents from top companies that specialize in Elizabeth DWI insurance.

Car Accident Statistics

Union County reported 29,629 car accidents in 2017.

Traffic Fatalities

Union County reported 33 traffic fatalities in 2017. Though all traffic fatalities are unfortunate,when you consider that Elizabeth, NJ has an estimated population of 130,215, this is a relatively safe place to drive.

Vehicle Theft Rates

The City of Elizabeth experienced 896 motor vehicle thefts in 2016. This adds up to a high theft rate of 6.88 per 1,000 people. That’s more than double the national average theft rate of 2.37 per 1,000. This is bad news for Elizabeth drivers, as it surely affects residents’ insurance rates.

Car Insurance Discounts

Discounts are one of the best ways to lower your rates. These are some of the auto insurance discounts available to drivers in Elizabeth, NJ.

  1. Safe driver. If you have a perfect driving record, with no tickets or accidents, you may qualify for the safe driver or accident-free discount
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Study hard in school and maintain at least a B grade point average to qualify for the good student discount
  5. Live in a safe Elizabeth, NJ neighborhood with low crime and good drivers where residents file few insurance claims. Residents of zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates
  6. Take a defensive driving course in Elizabeth from an accredited driving safety school

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