Elizabeth's average full coverage car insurance costs $233 per month. Rates range from $192 to $559, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Elizabeth, NJ, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Elizabeth: Key Takeaways
Plymouth Rock Assurance, GEICO and NJM are the most affordable insurance providers in Elizabeth.
Plymouth Rock Assurance is the most affordable car insurance provider, with rates starting at $58 per month for minimum coverage and $111 for full coverage.
On average, car insurance costs $136 per month for minimum coverage and $233 for full coverage.
Car Insurance Quotes in Elizabeth, NJ
| Young Drivers | $142 | $259 |
| Teens | No Data | $559 |
| Seniors | $111 | $192 |
| Drivers With a Speeding Ticket | $142 | $253 |
| Drivers With a DUI | $242 | $427 |
| Drivers With An Accident | $202 | $359 |
| Bad Credit | $249 | $433 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Elizabeth vs. State Average
New Jersey
State Average Full Coverage Rate
$2,416
Elizabeth, NJ
City Average Full Coverage Rate
$2,794More:$378 more
This is 16% more expensive.
What Is the Average Car Insurance Rate in Elizabeth?
In Elizabeth, full coverage car insurance costs about $2,794 per year, while minimum coverage averages $1,633. These rates are lower than New Jersey's averages of $2,416 and $1,401, respectively.
| State Average | $1,401 | $2,416 |
| Elizabeth Average | $1,633 | $2,794 |
Cheapest Car Insurance Companies in Elizabeth
Even with rising premiums in New Jersey, you can still find cheap car insurance in Elizabeth. Plymouth Rock Assurance offers the lowest rate for minimum coverage at just $58 per month. For full coverage, it also provides the best rate at $111 per month.
WHY CAR INSURANCE IN ELIZABETH IS EXPENSIVE
Car insurance is expensive in Elizabeth due to factors like heavy traffic and high theft rates. This city ranks among the most expensive in the state for car insurance. New Jersey also faces issues like a high number of uninsured drivers and many personal injury lawsuits, which drive up prices for everyone.
Cheap Car Insurance in Elizabeth
Plymouth Rock Assurance often provides the cheapest car insurance, but rates vary by driver. The best way to find affordable car insurance is to compare quotes from different companies. Below is a table with the lowest rates for different driver profiles.
| Plymouth Rock Assurance | Minimum Coverage | $58 |
| Plymouth Rock Assurance | Full Coverage | $111 |
| GEICO | Teens | $243 |
| Plymouth Rock Assurance | Young Adults | $90 |
| Plymouth Rock Assurance | Seniors | $80 |
| NJM | Bad Credit | $177 |
| Plymouth Rock Assurance | Drivers With a DUI | $95 |
| NJM | Drivers With An Accident | $103 |
| Plymouth Rock Assurance | Drivers With a Speeding Ticket | $95 |
Car Insurance Rates in Elizabeth by Company
To find affordable car insurance, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Elizabeth.
Cheapest Car Insurance Companies for Minimum Coverage in Elizabeth
Plymouth Rock Assurance offers the cheapest minimum coverage auto insurance at $58 per month. GEICO follows closely with a rate of $67 monthly. The table below breaks down the most affordable options.
| Plymouth Rock Assurance | $58 | $78 |
| GEICO | $67 | $69 |
| NJM | $79 | $57 |
| New Jersey Skylands Insurance | $111 | $25 |
| Allstate | $111 | $25 |
| Travelers | $119 | $17 |
| Progressive | $130 | $6 |
Cheapest Car Insurance Companies for Full Coverage in Elizabeth
Plymouth Rock Assurance offers the cheapest full coverage car insurance in Elizabeth at $111 per month. Below is the full list of providers and their rates.
| Allstate | $189 | $44 |
| GEICO | $133 | $100 |
| New Jersey Skylands Insurance | $203 | $30 |
| NJM | $120 | $112 |
| Plymouth Rock Assurance | $111 | $122 |
| Progressive | $210 | $23 |
| Travelers | $195 | $38 |
Car Insurance Companies in Elizabeth
Plymouth Rock Assurance offers the cheapest rate at $1,016 annually. It is also the best cheap provider, with a MoneyGeek score of 86 out of 100. Check the table below for more options.
| Plymouth Rock Assurance | 86 | $1,016 |
| Amica Mutual | 85 | $2,787 |
| NJM | 84 | $1,198 |
| Mercury | 72 | $2,521 |
| Foremost | 71 | $3,177 |
| GEICO | 70 | $1,202 |
| Travelers | 68 | $1,885 |
| State Farm | 65 | $3,011 |
| Progressive | 65 | $2,039 |
| Allstate | 64 | $1,802 |
| Hanover | 62 | $4,042 |
| New Jersey Skylands Insurance | No Data | $1,883 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Elizabeth by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $2,794 per year for 40-year-olds and $2,307 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $5,082 | $-1,857 |
| 17 | $4,970 | $-1,744 |
| 18 | $4,417 | $-1,191 |
| 19 | $3,964 | $-738 |
| 20 | $4,082 | $-856 |
| 21 | $3,294 | $-68 |
| 22 | $3,061 | $165 |
| 23 | $3,137 | $89 |
| 24 | $3,000 | $226 |
| 25 | $3,112 | $-697 |
| 40 | $2,794 | $-378 |
| 65 | $2,307 | $108 |
Cheapest Car Insurance for Teens in Elizabeth
GEICO offers the cheapest overall car insurance for teens in Elizabeth at a monthly rate of $234, saving $150 compared to the state average. The table below lists other affordable providers for this age group.
| GEICO | $234 | $150 | $243 |
| Travelers | $281 | $103 | $422 |
| Progressive | $341 | $43 | $873 |
| Allstate | $388 | $-4 | $408 |
| State Farm | $440 | $-56 | $467 |
| Foremost | $622 | $-238 | $941 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Elizabeth
Plymouth Rock Assurance offers the lowest monthly rates for young drivers in Elizabeth: $59 for minimum coverage and $120 for full coverage. The table below highlights the cheapest options for various driver profiles.
| Plymouth Rock Assurance | Minimum Coverage | $59 |
| Plymouth Rock Assurance | Full Coverage | $120 |
| Plymouth Rock Assurance | Bad Credit | $201 |
| Plymouth Rock Assurance | Drivers With a DUI | $104 |
| Plymouth Rock Assurance | Drivers With An Accident | $121 |
| Plymouth Rock Assurance | Drivers With a Speeding Ticket | $104 |
Cheapest Car Insurance Companies for Young Drivers in Elizabeth
Plymouth Rock Assurance offers the most affordable auto insurance for young drivers at $90 per month. GEICO and NJM also have low premiums. The table below shows other companies with competitive rates.
| Plymouth Rock Assurance | $90 | $111 |
| GEICO | $119 | $82 |
| NJM | $125 | $76 |
| Progressive | $152 | $49 |
| Travelers | $161 | $40 |
| New Jersey Skylands Insurance | $167 | $34 |
| Allstate | $170 | $31 |
| Amica Mutual | $194 | $6 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Elizabeth
Plymouth Rock Assurance and NJM are the two cheapest car insurance providers in Elizabeth. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| Plymouth Rock Assurance | Minimum Coverage | $53 |
| NJM | Full Coverage | $100 |
| NJM | Bad Credit | $136 |
| Plymouth Rock Assurance | Drivers With a DUI | $92 |
| NJM | Drivers With An Accident | $82 |
| GEICO | Drivers With a Speeding Ticket | $84 |
Cheapest Car Insurance Companies for Seniors in Elizabeth
Plymouth Rock Assurance offers the cheapest monthly premium for seniors for both minimum and full coverage in Elizabeth. NJM is the next best option at $82 per month. The table below shows the top car insurance providers for seniors in Elizabeth.
| Plymouth Rock Assurance | $80 | $72 |
| NJM | $82 | $70 |
| GEICO | $84 | $68 |
| Allstate | $128 | $24 |
| Travelers | $132 | $20 |
| Amica Mutual | $151 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Elizabeth
In Elizabeth, high-risk drivers pay more for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $2,017 | $3,593 |
| Elizabeth Average | $2,344 | $4,159 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a speeding ticket, may affect your insurance for a few years. For serious offenses, such as a DUI, insurers take note for longer, and you might need to file an SR-22 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Elizabeth
Plymouth Rock Assurance offers the cheapest minimum coverage for drivers with a DUI at $770 per year. It also provides the most affordable full coverage policy at $1,524 annually. Check the table below for more low-cost coverage options.
| Plymouth Rock Assurance | $64 | $127 |
| NJM | $93 | $142 |
| Progressive | $114 | $209 |
| Allstate | $166 | $276 |
| GEICO | $136 | $284 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Elizabeth
Plymouth Rock Assurance, NJM and GEICO offer the cheapest auto insurance after an at-fault accident in Elizabeth. The table below shows various providers offering affordable coverage.
| NJM | $82 | $124 |
| Plymouth Rock Assurance | $73 | $147 |
| GEICO | $94 | $193 |
| Amica Mutual | $142 | $239 |
| New Jersey Skylands Insurance | $134 | $253 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Elizabeth
Plymouth Rock Assurance is the cheapest car insurance provider for drivers with a speeding ticket in Elizabeth, offering minimum coverage at $64 and full coverage at $127. The table below shows how much other providers charge drivers with speeding tickets.
| Plymouth Rock Assurance | $64 | $127 |
| GEICO | $67 | $134 |
| NJM | $93 | $142 |
| Progressive | $118 | $222 |
| New Jersey Skylands Insurance | $134 | $253 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Elizabeth
Plymouth Rock Assurance offers the most affordable rates for drivers with bad credit in Elizabeth, with minimum coverage at $119 and full coverage at $244 monthly. See the table below for other affordable options.
| NJM | $143 | $211 |
| Plymouth Rock Assurance | $119 | $244 |
| Progressive | $155 | $278 |
| Amica Mutual | $159 | $280 |
| GEICO | $154 | $325 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Elizabeth, NJ
In New Jersey, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $15,000 personal injury protection (PIP) per person
If you're in a car accident in New Jersey, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Elizabeth: Bottom Line
Plymouth Rock Assurance is Elizabeth's most affordable car insurance provider for both minimum and full coverage. Regardless of your age or credit, affordable options are available. Ensure your policy meets New Jersey requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Elizabeth Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Elizabeth.
What is the cheapest car insurance company in Elizabeth, NJ?
Plymouth Rock Assurance offers the most affordable car insurance in Elizabeth, with policies starting at just $58 monthly.
What is the best car insurance company in Elizabeth, NJ?
Plymouth Rock Assurance is the best car insurance provider in Elizabeth, with a MoneyGeek score of 86 out of 100. The average annual premium for minimum coverage is $1,016.
How much does car insurance cost on average in Elizabeth, NJ?
The average monthly cost of minimum car insurance in Elizabeth ranges from $111 to $249.
Best Cheap Car Insurance in Elizabeth: Our Methodology
MoneyGeek analyzed Elizabeth auto insurance prices using the New Jersey Department of Commerce and Quadrant Information Services data.
Elizabeth Driver Profile
To assess the best and most affordable auto insurance options for Elizabeth residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Elizabeth
In assessing the car insurance quotes for Elizabeth, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to New Jersey's mandated liability insurance parameters:
The minimum coverage requirements in New Jersey are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
- $15,000 personal injury protection (PIP) per person
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among New Jersey providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Elizabeth
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Elizabeth for the average driver of various ages who drives a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. 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's also a 5-time Jeopardy champion!
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.