Cheapest and Best Car Insurance Companies in Elizabeth, NJ


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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Depending on your driving profile and needs, the best company for you will vary. Plymouth Rock Assurance is the most affordable insurer for full coverage policies and military drivers, NJM for those with a DUI on their records and GEICO for teens and their families.

MoneyGeek Logo IconCheapest + BestCar InsuranceElizabeth
2024

Cheapest and Best Car Insurance in Elizabeth, NJ

Why Trust MoneyGeek? Elizabeth car insurance rates in this study are based on our analysis of data and information from the New Jersey Department of Banking and Insurance and Quadrant Information Services.

25,584Quotes Analyzed
 
12Companies Compared

Cheapest Minimum Liability Car Insurance in Elizabeth

The cheapest minimum coverage policies in Elizabeth are available from the following insurers:

  • Amica Mutual: $477 per year
  • GEICO: $580 per year

Hanover is the most expensive provider at $2,859 per year. Location may significantly impact the cost of your car insurance. For instance, the cheapest car insurance in New Jersey is offered by GEICO for around $478 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
Amica MutualAnnual Premium$477Monthly Premium$40
GEICOAnnual Premium$580Monthly Premium$48
Plymouth Rock AssuranceAnnual Premium$581Monthly Premium$48
NJMAnnual Premium$721Monthly Premium$60
ProgressiveAnnual Premium$844Monthly Premium$70
AllstateAnnual Premium$910Monthly Premium$76
TravelersAnnual Premium$1,125Monthly Premium$94
New Jersey Skylands InsuranceAnnual Premium$1,270Monthly Premium$106

New Jersey requires that all drivers have the following coverages for property damage liability and personal injury liability:

  • $5,000 property damage liability per accident
  • $15,000 personal injury protection

With the coverage above, an insurer will cover up to $5,000 in property damages to other vehicles as a result of an accident. It will also cover up to $15,000 in medical expenses or lost wages if you or your passengers are injured in a covered accident. You will be responsible for any costs exceeding this amount.

Cheapest Full Coverage Car Insurance in Elizabeth

The following insurers offer the cheapest full coverage policies in Elizabeth:

  • Plymouth Rock Assurance: $1,054 per year
  • NJM: $1,197 per year

Hanover has the most expensive rates for a full coverage policy at $5,197 each year. Your location may impact the cheapest insurer for you — NJM has the cheapest car insurance in New Jersey as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Plymouth Rock AssuranceAnnual Premium$1,054Monthly Premium$88
NJMAnnual Premium$1,197Monthly Premium$100
Amica MutualAnnual Premium$1,237Monthly Premium$103
GEICOAnnual Premium$1,257Monthly Premium$105
ProgressiveAnnual Premium$1,429Monthly Premium$119
AllstateAnnual Premium$1,648Monthly Premium$137
TravelersAnnual Premium$1,823Monthly Premium$152
State FarmAnnual Premium$2,030Monthly Premium$169

A full coverage policy includes comprehensive and collision coverage, which provides protection to you if you get in an accident.

  • Collision Insurance: This covers damage to your car if it's in an accident with another vehicle or object.
  • Comprehensive Insurance: This pays for damages to your car caused by anything other than a collision, such as fire or theft.

Full coverage car insurance is typically best for those with new vehicles. If you have an older vehicle, a full coverage policy may not be worth the added cost.

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Cheapest Car Insurance in Elizabeth After a Driving Offense

The most affordable full coverage vehicle insurance in Elizabeth are offered by the following providers:

  • Speeding: Plymouth Rock ($1,219 per year)
  • Accident: Amica Mutual ($1,197 per year)
  • DUI: NJM ($1,219 per year)

Hanover has the most expensive rates for drivers with speeding tickets and DUIs, at $5,197 and $8,241, respectively. Meanwhile, drivers with at-fault accidents will find the most expensive insurance from Foremost for $7,847 per year.

The cost of your insurance will increase if you have a driving violation. An inexpensive rate for a driver with a violation will still cost more than a moderately-priced rate for a driver with a clean driving history.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
Plymouth Rock AssuranceAnnual Premium$1,219Monthly Premium$102
GEICOAnnual Premium$1,257Monthly Premium$105
NJMAnnual Premium$1,376Monthly Premium$115
Amica MutualAnnual Premium$1,486Monthly Premium$124
ProgressiveAnnual Premium$1,839Monthly Premium$153
AllstateAnnual Premium$1,996Monthly Premium$166
State FarmAnnual Premium$2,030Monthly Premium$169
MercuryAnnual Premium$2,196Monthly Premium$183

The cost of your car insurance tends to increase in proportion to the severity of the driving offense. In Elizabeth, drivers with DUI offenses will pay an average of $1,467 more per year than drivers with a speeding ticket. Although they may still pay more, cheap auto insurance for drivers with a bad driving record is still available.

Cheapest Car Insurance in Elizabeth for Teens and Their Families

In Elizabeth, the following insurers offer the cheapest car insurance rates for 16-year-old teens added to a family policy:

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

Foremost offers the most costly insurance with an average annual premium of $7,664 for female teens and $8,529 for male teens.

Male teens typically pay more for car insurance as providers consider them riskier to insure. In Elizabeth, GEICO charges male teens $207 more than female teens for car insurance. However, this cost discrepancy tends to level out in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
GEICOFamily Plan Annual Premium$2,744Individual Plan Monthly Premium$6,700
TravelersFamily Plan Annual Premium$3,715Individual Plan Monthly Premium$12,850
ProgressiveFamily Plan Annual Premium$4,468Individual Plan Monthly Premium$22,600
State FarmFamily Plan Annual Premium$4,631Individual Plan Monthly Premium$16,105
AllstateFamily Plan Annual Premium$4,962Individual Plan Monthly Premium$11,157
ForemostFamily Plan Annual Premium$7,664Individual Plan Monthly Premium$23,351

Teens can save money by joining a family policy rather than purchasing an individual policy. In Elizabeth, a 16-year-old male teen could save up to $2,854 per year. Though car insurance rates for this population may be more expensive, teen drivers can find cheap car insurance by joining their parent’s policy or qualifying for discounts.

Cheapest Car Insurance in Elizabeth for Military Drivers

The following insurers offer the cheapest full coverage policies for military members and their families in Elizabeth:

  • Plymouth Rock Assurance: $1,054 per year
  • NJM: $1,197 per year

You may also consider USAA for your insurance needs. This insurer caters exclusively to current and former military members and their families. The cheapest minimum coverage policies for military drivers are available from Amica Mutual, at $477 per year, and GEICO, at $580 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Plymouth Rock AssuranceAnnual Premium$1,054Monthly Premium$88
NJMAnnual Premium$1,197Monthly Premium$100
Amica MutualAnnual Premium$1,237Monthly Premium$103
GEICOAnnual Premium$1,257Monthly Premium$105
ProgressiveAnnual Premium$1,429Monthly Premium$119
AllstateAnnual Premium$1,648Monthly Premium$137
TravelersAnnual Premium$1,823Monthly Premium$152
State FarmAnnual Premium$2,030Monthly Premium$169

How to Compare Cheap Elizabeth Car Insurance Quotes Online

It can be time-consuming to obtain car insurance quotes from multiple providers — inputting the personal information required for a single quote can take up to 15 minutes. MoneyGeek’s car insurance calculator can provide an estimate relatively quickly using your age, vehicle type, coverage level and driving record.

Car Insurance Calculator

MoneyGeeks'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:

Jun 13, 2024

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Best Car Insurance in Elizabeth: Summary

The best insurer for you will vary based on how much you value cost, customer service and coverage availability. Our top choices for different key categories are:

  • Best overall: Amica Mutual (MoneyGeek score of 85 out of 100)
  • Best for service: Amica Mutual (MoneyGeek score of 71 out of 100)
  • Best cheap: Amica Mutual (MoneyGeek score of 87 out of 100)

A company’s MoneyGeek score may vary across categories based on the weightings used.

USAA is another top option, catering exclusively to military drivers and their families. In addition to being the best option in the city, Amica Mutual is also the best car insurance provider in New Jersey.

Best Overall Car Insurance in Elizabeth

The following are the best overall car insurers in Elizabeth for full coverage policies:

  • Amica Mutual: MoneyGeek score of 85 out of 100 ($1,237 per year)
  • NJM: MoneyGeek score of 80 out of 100 ($1,197 per year)

Amica Mutual offers one of the cheapest rates without compromising customer service. This is a rare combination, as insurers that offer affordable policies may not provide the best service.

How was this MoneyGeek score calculated?

Amica Mutual

pros

checkmark

Has high ratings for customer satisfaction and affordability

checkmark

Offers identity theft coverage and glass deductible modification

cons

close

Isn’t the cheapest provider

close

Doesn’t offer rideshare insurance

COMPANY HIGHLIGHTS

Amica Mutual is our top pick due to its affordable rates and quality customer service. The insurer also received the highest score for claims management, indicating that it has a strong record of approving claims.

There are a variety of coverage options available with the insurer, including identity theft coverage and glass deductible modification. Identity theft coverage provides you with credit alerts and resolution assistance to safeguard against identity fraud. Glass deductible modification coverage covers the cost to repair or replace your windshield or window without a deductible.

In addition to these coverage options, the insurer also has common coverages like accident forgiveness and roadside assistance. You can qualify for accident forgiveness by earning advantage points through referrals, policy renewals and safe driving. Meanwhile, roadside assistance provides 24/7 assistance if your car breaks down.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Car Insurance in Elizabeth for Customer Service

The following insurers offer the best full coverage policies in Elizabeth for customer service, irrespective of cost, are:

  • Amica Mutual: MoneyGeek score of 71 out of 100 ($1,237 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($3,501 per year)

Amica Mutual has the highest claims management rating and the second-highest customer satisfaction score, making it our top choice for customer service. In addition to providing top-notch service, the winner is also one of the most affordable providers.

How was this MoneyGeek score calculated?

Amica Mutual

pros

checkmark

Has high scores in claims management and customer satisfaction

checkmark

Offers essential, common coverages like rental car and/or travel reimbursement and gap insurance

cons

close

Has the third-cheapest rates (although still inexpensive)

COMPANY HIGHLIGHTS

Amica Mutual has the highest rating for claims management and customer satisfaction, meaning policyholders can rest assured that they will receive quality customer service. This is especially important during stressful situations, like a mechanical failure or accident.

In addition to providing quality service at a low rate, the insurer offers numerous coverages. Its rental car and/or travel reimbursement coverage pays for transportation costs of $20 per day up to $600 if your car is in the shop or not driveable after an accident. For added coverage, drivers can choose unlimited daily coverage with a $5,000 cap to cover rental car expenses.

Gap insurance is another useful coverage. If your car is totaled, this coverage will pay the difference between the value of your car and the amount you owe on your loan or lease. The insurer also offers accident forgiveness and roadside assistance, two common coverage options that are extremely useful.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Best Cheap Car Insurance in Elizabeth

The following insurers offer the best minimum coverage policies in Elizabeth based on cost and service quality:

  • Amica Mutual: MoneyGeek score of 87 out of 100 ($477 per year)
  • GEICO: MoneyGeek score of 76 out of 100 ($580 per year)

Minimum coverage policies are the cheapest, but they provide the least amount of liability protection and don’t cover damages to your vehicle.

How was this MoneyGeek score calculated?

Amica Mutual

pros

checkmark

Has the cheapest rate at $477 per year

checkmark

Offers discounts for bundling, safe driving and loyalty

checkmark

Has an above-average rating in customer satisfaction

cons

close

Does not offer affinity organization or anti-lock brakes discounts

COMPANY HIGHLIGHTS

Amica Mutual has the best minimum coverage car insurance policies in Elizabeth due to its affordable rates, quality service and discount opportunities.

With Amica Mutual, you can save money by bundling insurance policies, insuring multiple cars and signing up for paperless billing. Unique discount opportunities offered by this insurer include a reduced premium for signing up for automatic payments.

Responsible drivers are also rewarded; Amica Mutual offers a discount if you’ve had car insurance with any provider for the past two years. Additional discounts are available for those that have electronic stability control or collision-avoidance features installed in their vehicles.

In addition to discount opportunities, the insurer also offers commonly available, yet useful coverages, like roadside assistance, accident forgiveness and rental car and/or travel reimbursement coverage. These coverages can be helpful after an accident, preventing your insurance from increasing, ensuring you’ll receive roadside help 24/7 and paying for the cost of a rental vehicle.

Read MoneyGeek's Amica Mutual Auto Insurance Review

Average Cost of Car Insurance in Elizabeth

As of October 2022, the average cost of car insurance in Elizabeth is $2,073 per year, slightly higher than the average cost of car insurance in New Jersey of $1,900. Car insurance at both the city and state levels is more expensive than the national average cost of car insurance — $1,265. This shows how location can significantly impact your rate.

These rates are for full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.