Cheapest and Best Car Insurance in Elizabeth, NJ (2024)


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The cheapest car insurance in Elizabeth can vary; Plymouth Rock Assurance offers the lowest minimum coverage, while NJM is the cheapest for full coverage. For families with teens, GEICO is the most affordable. Despite these rates, Amica Mutual is rated the best for customer service, coinciding with its position as the best overall, balancing price with service quality. Your ideal insurer hinges on personal preferences and coverage needs.

Key Takeaways

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In Elizabeth, Plymouth Rock Assurance offers the cheapest minimum coverage car insurance at $619 annually, compared to Hanover's most expensive rate of $2,687, highlighting potential savings of $2,068 if drivers compare providers and select the most budget-friendly option.

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In Elizabeth, a significant difference of $4,248 per year exists between the most expensive full coverage car insurance policy from Hanover and the cheapest from Plymouth Rock Assurance, highlighting the potential for substantial savings by comparing car insurance rates.

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For military drivers seeking the most affordable full coverage car insurance in Elizabeth, Plymouth Rock Assurance provides the cheapest rate at $1,148 per year, closely followed by NJM at $1,341 per year, with USAA also recognized for offering competitive rates nationwide despite not being among the top two cheapest options in Elizabeth.

Why Trust MoneyGeek? We analyzed 25,584 quotes in New Jersey, including the city of Elizabeth, from 12 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Elizabeth insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Elizabeth, NJ, as of July 2024.

25,584 Quotes Analyzed
 
12Companies Compared

Cheapest Minimum Liability Car Insurance in Elizabeth

MoneyGeek found that Plymouth Rock Assurance is the cheapest option in Elizabeth, offering the most affordable cheapest car insurance for drivers looking to save.

  • Plymouth Rock Assurance: $619 per year
  • GEICO: $653 per year

The most expensive minimum coverage policy in Elizabeth comes from Hanover, with an annual premium of $2,687, which starkly contrasts the $619 offered by Plymouth Rock Assurance. This sizeable difference in annual rates exemplifies why it's crucial to compare car insurance quotes before purchasing a policy.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Minimum Coverage
Plymouth Rock Assurance$619$52
GEICO$653$54
NJM$910$76
Allstate$1,190$99
New Jersey Skylands Insurance$1,328$111
Mercury$1,362$114
Travelers$1,434$119
Progressive$1,477$123
State Farm$1,815$151
Foremost$1,890$158
Amica Mutual$2,235$186
Hanover$2,687$224

All New Jersey cities, including Elizabeth, state law prescribes the mandatory minimum car insurance coverage.

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Property damage liability per accident: $25,000
  • Personal injury protection (PIP) per person: $15,000

If you have the minimum coverage and incur bodily injury liability, your policy could pay up to $25,000 for a single person and $50,000 for all injured persons per accident. Should costs exceed these amounts, you'd be responsible for the balance.

Cheapest Full Coverage Car Insurance in Elizabeth

MoneyGeek found that Plymouth Rock Assurance offers the most affordable cheapest full coverage car insurance in Elizabeth. Here are the two providers with the lowest annual premium:

  • Plymouth Rock Assurance: $1,148 per year
  • NJM: $1,341 per year

Hanover has the most expensive full coverage policy in Elizabeth, with a premium that's $4,248 more per year than Plymouth Rock Assurance.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
Plymouth Rock Assurance$1,148$96
NJM$1,341$112
GEICO$1,413$118
Allstate$1,997$166
Progressive$2,360$197
Travelers$2,372$198
Mercury$2,389$199
New Jersey Skylands Insurance$2,438$203
State Farm$2,703$225
Amica Mutual$3,150$262
Foremost$3,682$307
Hanover$5,396$450

At MoneyGeek, we provide a comprehensive Elizabeth full coverage policy that enhances liability coverage up to $100,000 for bodily injury per individual, $300,000 for bodily injuries per accident and $100,000 for property damage per accident. This level of coverage is typically denoted as a 100/300/100 policy.

Full coverage insurance also incorporates two key components:

  • Collision Insurance: This insurance pays for repairs to your automobile in the event of a crash with another vehicle or a collision with an object like a tree or light pole. It also covers rollover accidents and pothole damage.

  • Comprehensive Insurance: This covers a gamut of non-accident-related damage to your car, including theft, vandalism, or natural disasters and being struck by an animal like a deer.

For owners of new vehicles, obtaining full coverage insurance is the most prudent choice to protect your vehicular investment. On the contrary, for those with older models, the high cost of additional premiums may not justify the benefits. When assessing how much car insurance you require, it is crucial to weigh the higher cost of comprehensive coverage against the danger of being underinsured.

Cheapest Car Insurance in Elizabeth After a Driving Offense

MoneyGeek found that the most affordable options in Elizabeth for drivers with a poor driving record seeking full coverage policies vary according to the specific type of violation. Here are the cheapest providers for each individual offense: ,

  • Speeding Ticket: Plymouth Rock Assurance($1,304 per year)
  • At-fault accident: NJM ($1,380 per year)
  • DUI: Plymouth Rock Assurance ($1,304 per year)

On the other hand, the companies with the most expensive rates for these offenses are State Farm for a DUI at $10,952 per year, Foremost for an at-fault accident at $8,249 and Hanover for a speeding ticket at $5,396 per year.

Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
Plymouth Rock Assurance$1,304$109
GEICO$1,429$119
NJM$1,586$132
Mercury$2,360$197
Allstate$2,459$205
Progressive$2,479$207
Amica Mutual$2,732$228
State Farm$2,738$228
New Jersey Skylands Insurance$3,035$253
Travelers$3,486$290
Foremost$4,099$342
Hanover$5,396$450

In Elizabeth, the severity of a driving violation is a key determinant in insurance rate increases, reflecting the higher risk posed by serious offenses. For instance, drivers with a speeding ticket typically see an annual premium of $3,977, whereas those with a DUI could face a much steeper rate of $6,722 on average.

Cheapest Car Insurance in Elizabeth for Teens and Their Families

MoneyGeek found that GEICO is the cheapest option in Elizabeth, offering the most affordable cheapest car insurance for teens.

  • GEICO: $2,744 per year for female teens and $2,951 per year for male teens
  • Travellers: $3,715 per year for female teens and $4,090 per year for male teens

These rates represent coverage for a family with two parents and a teen driver. Among the companies compared, Foremost presents the most expensive policy for teen drivers in Elizabeth, with an annual premium of $7,664 for female teens.

Data filtered by:Results filtered by:
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Age:16
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Gender:Female
GEICO$2,744$2,990
Travelers$3,715$6,553
Progressive$4,468$13,724
State Farm$4,631$5,304
Allstate$4,962$5,618
Foremost$7,664$15,099

In Elizabeth, as well as in other cities, teen drivers looking to insure their cars can find significant cost savings by opting into a joint family plan rather than purchasing an individual policy.

Statistics show that the average individual premium for teen car insurance stands at approximately $9,230, while the average family premium is markedly lower, at around $5,468. Insurers often quote higher rates for teenagers due to their lack of driving experience and higher risk profile.

Cheapest Car Insurance in Elizabeth for Military Drivers

MoneyGeek found that Plymouth Rock Assurance offers the most affordable full coverage car insurance for those with military backgrounds in Elizabeth. For the cheapest car insurance for military backgrounds, here are the top two providers:

  • Plymouth Rock Assurance: $1,148 per year
  • NJM: $1,341 per year

While not featured in the top two cheapest options, USAA is known to cater specifically to the needs of active duty military members and typically offers competitive rates on a national level.

Data filtered by:Results filtered by:
Select
Age Group:30-59
Select
Coverage:Full Coverage
Plymouth Rock Assurance$1,148$96
NJM$1,341$112
GEICO$1,413$118
Allstate$1,997$166
Progressive$2,360$197
Travelers$2,372$198
Mercury$2,389$199
New Jersey Skylands Insurance$2,438$203
State Farm$2,703$225
Amica Mutual$3,150$262
Foremost$3,682$307
Hanover$5,396$450

How to Compare Cheap Elizabeth Car Insurance Quotes Online

In Elizabeth, you can find cost-effective car insurance by using MoneyGeek's car insurance calculator. By inputting your age, driving record, credit score and coverage preferences, among other factors, you'll receive an immediate estimate.

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MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Dec 24, 2024

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Best Car Insurance in Elizabeth: Overview

Finding the best auto insurance for you hinges on weighing service, cost, coverage, and other factors. MoneyGeek's research, which employs distinct scoring systems for each category, reveals Elizabeth's top insurers tailored to varied priorities:

  • Best overall: Amica Mutual (MoneyGeek score 88 out of 100)
  • Best for service: Amica Mutual (MoneyGeek score 97 out of 100)
  • Best cheap: Plymouth Rock Assurance (MoneyGeek score 88 out of 100)

Amica Mutual emerges as Elizabeth's premier insurer for both overall value and service, making it an excellent choice for those seeking top-tier service without compromising on affordability. For budget-conscious consumers, Plymouth Rock Assurance offers substantial savings while still maintaining service levels.

Overall Best Car Insurance in Elizabeth

MoneyGeek found that Amica Mutual offers the best option for car insurance in Elizabeth.

  • Amica Mutual: MoneyGeek score of 88 out of 100 ($3,150 per year)
  • Plymouth Rock Assurance: MoneyGeek score of 86 out of 100 ($1,148 per year)

Amica Mutual offers exceptional customer satisfaction and claims handling, securing its position as the top provider in Elizabeth for a full coverage policy.

Company logo for Amica Mutual
Best OverallAmica Mutual
MoneyGeek Score:
88/ of 100

Overview

High satisfaction and coverage scores greatly influence Amica Mutual's stellar MoneyGeek scores. Amica Mutual features all common coverages, including rental car and/or travel reimbursement and roadside assistance. It also provides reasonably common coverages like new car replacement and accident forgiveness. It also offers coverages like glass deductible modification and full glass coverage.

Best Car Insurance in Elizabeth for Customer Service

MoneyGeek found that Amica Mutual is the best option in Elizabeth for car insurance, focused on customer service. This determination is based on exceptional general satisfaction, claims handling and coverage options, irrespective of rates.

  • Amica Mutual: MoneyGeek score of 97 out of 100 ($3,150 per year)
  • Plymouth Rock Assurance: MoneyGeek score of 82 out of 100 ($1,148 per year)

Amica Mutual distinguishes itself from the competition primarily due to its outstanding customer satisfaction and top-notch claims service, significantly impacting its overall MoneyGeek score.

Company logo for Amica Mutual
Best for Customer ServiceAmica Mutual
MoneyGeek Score:
97/ of 100

Overview

Amica Mutual leads with exceptional claims and satisfaction scores, contributing significantly to its MoneyGeek score. It also offers useful Identity theft coverage, which provides peace of mind by safeguarding personal information against fraud. Full glass coverage is another option from Amica Mutual, which ensures windshield and window damages won’t result in a pocket pinch for repairs or replacements, underscoring its commitment to comprehensive car insurance solutions.

Best Cheap Car Insurance Companies in Elizabeth

MoneyGeek found that Plymouth Rock Assurance is the best option in Elizabeth for consumers seeking cost-effective car insurance without compromising on service quality. Here's how the top two companies ranked:

  • Plymouth Rock Assurance: MoneyGeek score of 88 out of 100 ($619 per year)
  • NJM: MoneyGeek score of 82 out of 100 ($910 per year)

Plymouth Rock Assurance offers an impressive blend of affordability and high client satisfaction.

Company logo for Plymouth Rock Assurance
Best Cheap CompanyPlymouth Rock Assurance
MoneyGeek Score:
88/ of 100

Overview

Plymouth Rock Assurance has a perfect affordability score contributing significantly to its stellar MoneyGeek score of 88 (out of 100). Drivers marvel at the average annual premium of just $619, making quality car insurance coverage surprisingly attainable. With the highest score in the affordability category and strong performance in satisfaction and claims handling, it offers superior value for a minimum coverage policy.

It has occupational discounts and discounts for nurses, demonstrating its commitment to cater to the needs of specific professions. Plymouth Rock Assurance also offers common discounts like bundling, multiple car and safe driving.

Average Cost of Car Insurance in Elizabeth

In Elizabeth, New Jersey, the average car insurance cost amounts to $2,598. This premium is greater than the average car insurance cost in New Jersey as a whole, which is $2,355.

Moreover, New Jersey's average insurance cost is higher than the national figure, with the state's premiums exceeding the national average by $573, which puts the national cost of car insurance at $1,781. The cost of car insurance is influenced by many factors, of which location ranks as a significant determinant.

Newark holds the title for the most expensive insurance premium at $2,677, while Jersey City offers the least expensive at $2,307 — demonstrating a stark $370 difference between the two cities. It's worth noting that premiums may be even lower in non-urban locations known for their lower traffic density.

Elizabeth$2,598
Jersey City$2,307
Newark$2,677
Paterson$2,651

About Mark Fitzpatrick


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Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.