Car Insurance in Elizabeth

Plymouth Rock Insurance dominates Elizabeth's market with the cheapest rates for most driver categories. Adult drivers with clean records pay $1,023 per year, while seniors pay $1,173 annually through Selective Insurance.

Young drivers face steep premiums at $1,622 per year with GEICO, which is 59% higher than adult rates. DUI violations push costs to $1,221 annually through Plymouth Rock, a 19% increase over clean records.

At-fault accidents cost $1,358 per year with NJM Insurance, while speeding tickets add $1,170 through Plymouth Rock. Elizabeth's high baseline rates reflect New Jersey's expensive insurance environment.

Plymouth Rock Insurance delivers the cheapest minimum coverage in Elizabeth at $1,023 per year, which sits 40% below the city average of $2,343. For full coverage, Plymouth Rock charges $1,802 annually, offering substantial savings in New Jersey's costly market.

NJM Insurance ranks second at $1,254 per year for minimum coverage, still providing meaningful value. Plymouth Rock's pricing advantage stems from its focused New Jersey operations and efficient claims handling.

Despite Elizabeth's high absolute costs compared to other states, choosing the right insurer can save residents over $1,000 annually.

Adult drivers in Elizabeth secure the lowest rates at $1,023 annually through Plymouth Rock Insurance. Young drivers pay $1,622 per year with GEICO, a 59% premium over adult rates.

Seniors pay $1,173 annually through Selective Insurance, landing between adults and young drivers. The age-based pricing reflects New Jersey's dense traffic and higher accident frequency, which particularly impacts less-experienced young drivers.

Elizabeth's rates remain high across all age groups due to the state's expensive insurance environment, though Plymouth Rock and Selective offer relative value.

Plymouth Rock Insurance offers the best rates for clean-record drivers in Elizabeth at $1,023 per year. DUI violations increase premiums to $1,221 annually with Plymouth Rock, a 19% jump.

At-fault accidents push rates higher to $1,358 per year through NJM Insurance, while speeding tickets cost $1,170 annually with Plymouth Rock. The relatively modest surcharges for violations reflect New Jersey's rate regulation, which limits insurer discretion.

Plymouth Rock consistently provides competitive pricing across violation types. Maintaining a clean record saves Elizabeth drivers about $200 to $300 annually compared to those with infractions.

Plymouth Rock Insurance ranks as the best car insurance company in Elizabeth with a MoneyGeek score of 94.92, combining competitive pricing with strong regional expertise. Amica follows with a score of 89.21, offering excellent customer service despite higher premiums.

Plymouth Rock's top ranking reflects its deep New Jersey market knowledge and ability to navigate the state's complex insurance regulations effectively. Amica appeals to drivers prioritizing white-glove service and claims handling.

Both insurers maintain exceptional financial strength and claims-paying records, providing Elizabeth residents with reliable coverage backed by solid company foundations.

Car insurance in Elizabeth averages $2,343 per year. Minimum coverage costs about $196 monthly while full coverage runs $2,343 annually.

These rates position Elizabeth among New Jersey's more expensive cities, reflecting the state's high insurance costs and dense urban environment. Plymouth Rock Insurance offers coverage well below the market average at $1,023 annually for minimum coverage, demonstrating the significant savings possible through careful insurer selection.

Elizabeth's rates remain high compared to most U.S. cities, but competitive options from Plymouth Rock and NJM help residents find the most affordable protection available.

In Elizabeth, car insurance rates by ZIP code range from $138 to $263 per month. ZIP code 07208 is the most expensive, while 07201 is the cheapest. Check the average rates for your ZIP code on the table below.

With Elizabeth drivers facing some of New Jersey's highest car insurance rates, finding affordable coverage can feel overwhelming. This step-by-step guide shows you how to lower your costs while getting the right protection for your needs.

Car insurance rates in Elizabeth depend on your age, driving record and credit score. Plymouth Rock and NJM offer the lowest average premiums in the Garden State city, but compare quotes from multiple providers to find your best rate.

Find straightforward answers about affordable car insurance in Elizabeth. Our research team analyzed local rates and coverage options to help you get the protection you need at the lowest possible cost.

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