Cheapest and Best Car Insurance Companies in Elizabeth, NJ

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.