Plymouth Rock offers Elizabeth's cheapest car insurance, with annual rates of $1,023 for minimum coverage and $1,802 for full coverage. NJM, Selective and Amica also provide affordable coverage options in the Garden State city.
Car Insurance in Elizabeth
Updated: September 3, 2025
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Key Takeaways
Elizabeth's cheapest car insurance companies are Plymouth Rock, NJM and Selective, with rates up to 40% lower than the city average.
Monthly car insurance costs in Elizabeth average $245 for full coverage and $146 for minimum coverage.
Find the best cheap auto insurance in Elizabeth by comparing quotes from multiple sources and selecting coverage that matches your specific needs.
Who Has the Cheapest Car Insurance in Elizabeth?
| Plymouth Rock | $85 | $150 | -40% |
| NJM | $105 | $165 | -31% |
| Selective | $102 | $182 | -27% |
| GEICO | $114 | $237 | -10% |
| Amica | $127 | $226 | -10% |
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Cheapest Elizabeth Car Insurance by Category
In Elizabeth, NJM and Plymouth Rock each win three affordability categories. GEICO offers the cheapest rates for young drivers and those with bad credit, while Selective leads for senior drivers.
| Adult Drivers | Plymouth Rock | $85 |
| Young Drivers | GEICO | $135 |
| Senior Drivers | Selective | $98 |
| Drivers With Newer Cars | NJM | $97 |
| Drivers With an Accident | NJM | $113 |
| Drivers With a DUI | Plymouth Rock | $102 |
| Drivers With a Speeding Ticket | Plymouth Rock | $98 |
| Drivers With Bad Credit | GEICO | $124 |
| Drivers With Old Cars | NJM | $80 |
Compare the Cheapest Elizabeth Car Insurance for You
Your driving history and personal details shape what you'll pay for car insurance. Check the table below to find insurers offering the best rates for your specific driver profile.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
Select
Driving Record:Clean
| Plymouth Rock Insurance | $85 | $1,023 | -44% |
| Selective Insurance | $102 | $1,224 | -32% |
| NJM Insurance | $105 | $1,254 | -31% |
| Geico | $114 | $1,368 | -24% |
| Amica | $127 | $1,527 | -16% |
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$180
High
$139
Average
$85
Low
Rates updated:
Sep 17, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  GEICO | 81 /of 100 | $85 |
| 2 |  Progressive | 81 /of 100 | $122 |
| 3 | 69 /of 100 | $143 | |
| 4 | 78 /of 100 | $146 | |
| 5 | 79 /of 100 | $155 | |
| 6 |  Foremost | 66 /of 100 | $180 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Companies in Elizabeth
In Elizabeth, the top car insurance companies are Plymouth Rock, Amica, NJM and Selective. These insurers stand out for their competitive rates, quality customer service and comprehensive coverage options.
| Plymouth Rock | 95 | 1 | 3 | 1 |
| Amica | 89 | 5 | 1 | 6 |
| NJM | 88 | 2 | 4 | 7 |
| Selective | 87 | 3 | 10 | 2 |
| Travelers | 85 | 7 | 2 | 5 |
Plymouth Rock: Most Affordable Overall
pros
Strong customer service scores
Excellent coverage options
Multiple driver discounts available
cons
Limited online tools
Higher rates for young drivers
COMPANY HIGHLIGHTS
Plymouth Rock ranks as Elizabeth's top car insurance provider, combining affordable rates with comprehensive coverage. The company offers rates well below the city average while maintaining high scores for both coverage options and customer satisfaction. Plymouth Rock proves particularly cost-effective for adult drivers and even those with driving violations, making it accessible to drivers with various backgrounds.
Amica: Best for Customer Service
pros
Top-rated customer experience
Quick claims processing
24/7 support available
cons
Fewer coverage options
Higher rates than some competitors
COMPANY HIGHLIGHTS
Amica earns its second-place ranking through exceptional customer service and reliable coverage. The company stands out with the highest customer satisfaction ratings in Elizabeth, showing their commitment to policyholder support. While rates run higher than some competitors, Amica's smooth claims process and responsive support team make them a solid choice for drivers who prioritize service quality.
How Much Is Car Insurance in Elizabeth?
In Elizabeth, minimum coverage costs about $146 per month or $1,751 per year, ranking 573rd out of all New Jersey cities for affordability. Full coverage averages $245 monthly or $2,935 annually, ranking 542nd among New Jersey cities.
| Full Coverage | $245 | $2,935 |
| Minimum Coverage | $146 | $1,751 |
Elizabeth Car Insurance Cost by Category
In Elizabeth, monthly car insurance rates range from $123 to $600 based on driver category. Check the table below to see rates for your profile.
| Young Drivers | $353 | $600 |
| Adult Drivers | $146 | $245 |
| Senior Drivers | $169 | $274 |
| Drivers With an Accident | $236 | $384 |
| Drivers With a DUI | $288 | $471 |
| Drivers With a Speeding Ticket | $169 | $283 |
| Drivers With Bad Credit | $199 | $397 |
| Drivers With Newer Cars | $153 | $258 |
| Drivers With Old Cars | $123 | $206 |
Elizabeth Car Insurance Costs by ZIP Code
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.
Data filtered by:Results filtered by:
Select
ZIP Code:07208
| 07208 | $161 | $263 |
Compare Personalized Elizabeth Car Insurance Costs
While our previous breakdowns show common rates, this table lets you filter Elizabeth rates by your exact age and driving history combination.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
Select
Credit:Good
Select
Driving Record:Clean
| $141 | $1,687 | 48% |
How to Get the Best Cheap Elizabeth Car Insurance
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.
- 1
Calculate your coverage requirements
Start by determining how much coverage you need beyond New Jersey's minimum requirements. Consider your vehicle's value, assets to protect and risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation.
- 2
Explore alternative insurance options
Look into different types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? Non-owner policies provide coverage when borrowing or renting vehicles.
- 3
Know the average costs
Research average vehicle insurance costs in Elizabeth to set realistic expectations. Understanding typical rates for your age, vehicle type and location helps identify genuinely competitive quotes and avoid overpaying.
- 4
Maximize available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses, and good student discounts can also reduce your premium.
- 5
Check insurer ratings and reviews
Research potential insurers' financial strength and customer satisfaction ratings. Focus on companies with strong claims-handling reputations and positive feedback from Elizabeth residents. A slightly higher premium from a reliable insurer provides better value than the cheapest option.
- 6
Get quotes from multiple providers
Request quotes from at least three different insurance companies. Use a mix of local agents, direct insurers, and online comparison tools. Each provider calculates risk differently, so comparing multiple quotes helps you find the best rate.
- 7
Review coverage annually
Set a yearly reminder to review your policy and shop for new quotes. Life changes like improving credit, moving, or buying a new car can affect your rates. Regular policy reviews ensure you maintain optimal coverage at the best available price.
Cheapest Car Insurance in Elizabeth: Bottom Line
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.
Cheap Elizabeth Car Insurance: FAQ
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.
What is the cheapest car insurance company in Elizabeth, New Jersey?
Plymouth Rock offers the lowest rates in Elizabeth, with average annual premiums of $1,023 for minimum coverage and $1,802 for full coverage. Compare quotes, as rates vary by individual factors.
Who offers the best car insurance in Elizabeth?
Plymouth Rock leads Elizabeth's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 6 points higher than Amica. The company excels in both affordability and service quality.
What is the average cost of car insurance in Elizabeth?
In Elizabeth, drivers pay $2,935 for full coverage and $1,751 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in Elizabeth expensive?
Car insurance in Elizabeth is expensive, ranking 573rd for minimum coverage affordability and 542nd for full coverage compared to all other New Jersey cities.
How We Chose the Best and Cheapest Car Insurance in Elizabeth, NJ
To help Elizabeth drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the New Jersey Department of Banking and Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in New Jersey to tailor options as closely as possible to you.
Elizabeth Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Elizabeth
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in New Jersey are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds 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 five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
