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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
2023

Cheapest and Best Car Insurance in Elizabeth, NJ

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.

Company
Annual Premium
Monthly Premium

Amica Mutual

$404

$34

GEICO

$457

$38

Amica Mutual

$477

$40

Plymouth Rock Assurance

$539

$45

NJM

$550

$46

Amica Mutual

$569

$47

GEICO

$580

$48

Plymouth Rock Assurance

$581

$48

Plymouth Rock Assurance

$603

$50

GEICO

$658

$55

NJM

$721

$60

Allstate

$760

$63

NJM

$817

$68

Progressive

$844

$70

Progressive

$889

$74

Allstate

$910

$76

Travelers

$931

$78

NJM

$957

$80

State Farm

$968

$81

Allstate

$985

$82

Progressive

$986

$82

Plymouth Rock Assurance

$1,016

$85

GEICO

$1,032

$86

Plymouth Rock Assurance

$1,054

$88

Travelers

$1,056

$88

Amica Mutual

$1,068

$89

Travelers

$1,125

$94

Mercury

$1,127

$94

Plymouth Rock Assurance

$1,145

$95

NJM

$1,197

$100

Amica Mutual

$1,237

$103

GEICO

$1,257

$105

New Jersey Skylands Insurance

$1,270

$106

State Farm

$1,286

$107

New Jersey Skylands Insurance

$1,289

$107

New Jersey Skylands Insurance

$1,297

$108

Allstate

$1,356

$113

Mercury

$1,375

$115

Mercury

$1,376

$115

Progressive

$1,429

$119

NJM

$1,463

$122

GEICO

$1,493

$124

Travelers

$1,508

$126

Amica Mutual

$1,527

$127

State Farm

$1,554

$130

Foremost

$1,558

$130

State Farm

$1,562

$130

Progressive

$1,628

$136

Allstate

$1,648

$137

Progressive

$1,652

$138

Mercury

$1,784

$149

Travelers

$1,823

$152

Foremost

$1,832

$153

Allstate

$1,836

$153

Travelers

$1,899

$158

State Farm

$2,030

$169

Foremost

$2,054

$171

Hanover

$2,092

$174

Mercury

$2,196

$183

New Jersey Skylands Insurance

$2,301

$192

New Jersey Skylands Insurance

$2,317

$193

Mercury

$2,356

$196

State Farm

$2,486

$207

New Jersey Skylands Insurance

$2,494

$208

Hanover

$2,589

$216

Foremost

$2,839

$237

Hanover

$3,008

$251

Foremost

$3,501

$292

Hanover

$4,037

$336

Foremost

$4,078

$340

Hanover

$5,197

$433

Hanover

$6,125

$510

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.

Company
Annual Premium
Monthly Premium

Amica Mutual

$404

$34

GEICO

$457

$38

Amica Mutual

$477

$40

Plymouth Rock Assurance

$539

$45

NJM

$550

$46

Amica Mutual

$569

$47

GEICO

$580

$48

Plymouth Rock Assurance

$581

$48

Plymouth Rock Assurance

$603

$50

GEICO

$658

$55

NJM

$721

$60

Allstate

$760

$63

NJM

$817

$68

Progressive

$844

$70

Progressive

$889

$74

Allstate

$910

$76

Travelers

$931

$78

NJM

$957

$80

State Farm

$968

$81

Allstate

$985

$82

Progressive

$986

$82

Plymouth Rock Assurance

$1,016

$85

GEICO

$1,032

$86

Plymouth Rock Assurance

$1,054

$88

Travelers

$1,056

$88

Amica Mutual

$1,068

$89

Travelers

$1,125

$94

Mercury

$1,127

$94

Plymouth Rock Assurance

$1,145

$95

NJM

$1,197

$100

Amica Mutual

$1,237

$103

GEICO

$1,257

$105

New Jersey Skylands Insurance

$1,270

$106

State Farm

$1,286

$107

New Jersey Skylands Insurance

$1,289

$107

New Jersey Skylands Insurance

$1,297

$108

Allstate

$1,356

$113

Mercury

$1,375

$115

Mercury

$1,376

$115

Progressive

$1,429

$119

NJM

$1,463

$122

GEICO

$1,493

$124

Travelers

$1,508

$126

Amica Mutual

$1,527

$127

State Farm

$1,554

$130

Foremost

$1,558

$130

State Farm

$1,562

$130

Progressive

$1,628

$136

Allstate

$1,648

$137

Progressive

$1,652

$138

Mercury

$1,784

$149

Travelers

$1,823

$152

Foremost

$1,832

$153

Allstate

$1,836

$153

Travelers

$1,899

$158

State Farm

$2,030

$169

Foremost

$2,054

$171

Hanover

$2,092

$174

Mercury

$2,196

$183

New Jersey Skylands Insurance

$2,301

$192

New Jersey Skylands Insurance

$2,317

$193

Mercury

$2,356

$196

State Farm

$2,486

$207

New Jersey Skylands Insurance

$2,494

$208

Hanover

$2,589

$216

Foremost

$2,839

$237

Hanover

$3,008

$251

Foremost

$3,501

$292

Hanover

$4,037

$336

Foremost

$4,078

$340

Hanover

$5,197

$433

Hanover

$6,125

$510

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.

Company
Annual Premium
Monthly Premium

GEICO

$457

$38

Amica Mutual

$509

$42

Amica Mutual

$509

$42

NJM

$550

$46

Amica Mutual

$554

$46

Amica Mutual

$554

$46

GEICO

$580

$48

Plymouth Rock Assurance

$614

$51

Plymouth Rock Assurance

$614

$51

NJM

$628

$52

NJM

$628

$52

Amica Mutual

$647

$54

Amica Mutual

$647

$54

GEICO

$658

$55

Plymouth Rock Assurance

$664

$55

Plymouth Rock Assurance

$664

$55

Plymouth Rock Assurance

$692

$58

Plymouth Rock Assurance

$692

$58

Plymouth Rock Assurance

$700

$58

NJM

$721

$60

GEICO

$730

$61

Plymouth Rock Assurance

$760

$63

Plymouth Rock Assurance

$795

$66

NJM

$817

$68

GEICO

$821

$68

NJM

$828

$69

NJM

$828

$69

GEICO

$914

$76

Allstate

$925

$77

NJM

$942

$79

NJM

$942

$79

NJM

$957

$80

State Farm

$968

$81

Progressive

$1,007

$84

GEICO

$1,032

$86

Progressive

$1,046

$87

Progressive

$1,054

$88

NJM

$1,092

$91

NJM

$1,092

$91

Progressive

$1,095

$91

Allstate

$1,104

$92

Allstate

$1,106

$92

Mercury

$1,127

$94

GEICO

$1,149

$96

Plymouth Rock Assurance

$1,172

$98

Plymouth Rock Assurance

$1,172

$98

GEICO

$1,191

$99

NJM

$1,197

$100

Allstate

$1,203

$100

Plymouth Rock Assurance

$1,219

$102

Plymouth Rock Assurance

$1,219

$102

Progressive

$1,230

$103

Allstate

$1,248

$104

Amica Mutual

$1,252

$104

GEICO

$1,257

$105

Progressive

$1,280

$107

State Farm

$1,286

$107

GEICO

$1,306

$109

Allstate

$1,311

$109

Plymouth Rock Assurance

$1,330

$111

Plymouth Rock Assurance

$1,330

$111

Amica Mutual

$1,344

$112

Plymouth Rock Assurance

$1,355

$113

Mercury

$1,375

$115

NJM

$1,376

$115

NJM

$1,376

$115

Mercury

$1,376

$115

Amica Mutual

$1,398

$117

Amica Mutual

$1,398

$117

Travelers

$1,404

$117

Plymouth Rock Assurance

$1,411

$118

Travelers

$1,427

$119

Allstate

$1,432

$119

Amica Mutual

$1,433

$119

Progressive

$1,459

$122

NJM

$1,463

$122

Amica Mutual

$1,486

$124

Amica Mutual

$1,486

$124

GEICO

$1,493

$124

Allstate

$1,495

$125

Progressive

$1,511

$126

New Jersey Skylands Insurance

$1,540

$128

New Jersey Skylands Insurance

$1,540

$128

Plymouth Rock Assurance

$1,545

$129

State Farm

$1,554

$130

State Farm

$1,562

$130

New Jersey Skylands Insurance

$1,566

$131

New Jersey Skylands Insurance

$1,566

$131

Travelers

$1,570

$131

New Jersey Skylands Insurance

$1,575

$131

New Jersey Skylands Insurance

$1,575

$131

State Farm

$1,594

$133

Allstate

$1,637

$136

Travelers

$1,638

$137

GEICO

$1,646

$137

Allstate

$1,648

$137

Travelers

$1,663

$139

NJM

$1,687

$141

NJM

$1,687

$141

Foremost

$1,689

$141

Progressive

$1,729

$144

Travelers

$1,773

$148

Amica Mutual

$1,777

$148

Amica Mutual

$1,777

$148

Mercury

$1,784

$149

Mercury

$1,789

$149

Travelers

$1,797

$150

GEICO

$1,806

$151

Foremost

$1,836

$153

Progressive

$1,839

$153

Travelers

$1,846

$154

Progressive

$1,846

$154

Mercury

$1,931

$161

Mercury

$1,937

$161

Progressive

$1,945

$162

Allstate

$1,954

$163

Foremost

$1,987

$166

Allstate

$1,996

$166

Travelers

$2,010

$168

State Farm

$2,030

$169

Progressive

$2,065

$172

GEICO

$2,077

$173

Hanover

$2,092

$174

Progressive

$2,094

$175

State Farm

$2,133

$178

Foremost

$2,161

$180

Mercury

$2,196

$183

Foremost

$2,219

$185

Progressive

$2,225

$185

Allstate

$2,233

$186

Allstate

$2,251

$188

Mercury

$2,334

$195

Mercury

$2,337

$195

Allstate

$2,347

$196

Mercury

$2,356

$196

Travelers

$2,371

$198

Foremost

$2,396

$200

State Farm

$2,486

$207

Mercury

$2,510

$209

Progressive

$2,563

$214

State Farm

$2,578

$215

Hanover

$2,589

$216

GEICO

$2,590

$216

State Farm

$2,593

$216

Travelers

$2,629

$219

Allstate

$2,633

$219

GEICO

$2,651

$221

Travelers

$2,658

$222

Travelers

$2,691

$224

Allstate

$2,724

$227

Travelers

$2,806

$234

Progressive

$2,814

$235

New Jersey Skylands Insurance

$2,864

$239

New Jersey Skylands Insurance

$2,864

$239

New Jersey Skylands Insurance

$2,881

$240

New Jersey Skylands Insurance

$2,881

$240

New Jersey Skylands Insurance

$2,917

$243

New Jersey Skylands Insurance

$2,970

$248

GEICO

$2,974

$248

Travelers

$2,977

$248

Mercury

$2,984

$249

New Jersey Skylands Insurance

$2,989

$249

Hanover

$3,008

$251

Travelers

$3,040

$253

Hanover

$3,055

$255

Allstate

$3,063

$255

Travelers

$3,082

$257

New Jersey Skylands Insurance

$3,122

$260

New Jersey Skylands Insurance

$3,122

$260

Progressive

$3,136

$261

Foremost

$3,154

$263

Travelers

$3,171

$264

Mercury

$3,233

$269

State Farm

$3,380

$282

Mercury

$3,428

$286

Hanover

$3,442

$287

Foremost

$3,516

$293

Foremost

$3,610

$301

Amica Mutual

$3,687

$307

Hanover

$3,733

$311

State Farm

$3,792

$316

Mercury

$3,864

$322

Foremost

$3,891

$324

Amica Mutual

$3,978

$332

Foremost

$4,016

$335

Hanover

$4,037

$336

Mercury

$4,060

$338

Mercury

$4,112

$343

State Farm

$4,157

$346

Hanover

$4,191

$349

Hanover

$4,197

$350

Foremost

$4,306

$359

Amica Mutual

$4,307

$359

Foremost

$4,451

$371

Foremost

$4,491

$374

Hanover

$4,715

$393

Foremost

$5,058

$422

State Farm

$5,117

$426

Hanover

$5,197

$433

New Jersey Skylands Insurance

$5,514

$460

New Jersey Skylands Insurance

$5,549

$462

Hanover

$5,902

$492

New Jersey Skylands Insurance

$6,051

$504

Hanover

$6,125

$510

State Farm

$6,150

$513

State Farm

$6,247

$521

Hanover

$6,579

$548

Foremost

$6,636

$553

Hanover

$7,415

$618

Foremost

$7,847

$654

State Farm

$8,119

$677

Hanover

$8,241

$687

Hanover

$8,517

$710

Foremost

$8,614

$718

Hanover

$9,447

$787

State Farm

$10,027

$836

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,438

$3,695

GEICO

$1,507

$3,872

GEICO

$1,561

$4,012

GEICO

$1,571

$4,567

State Farm

$1,862

$7,350

GEICO

$1,905

$3,512

Travelers

$1,919

$3,957

Travelers

$1,951

$3,918

Travelers

$2,053

$4,234

Travelers

$2,071

$4,561

State Farm

$2,075

$8,189

Travelers

$2,103

$4,336

GEICO

$2,130

$4,714

Travelers

$2,156

$4,330

State Farm

$2,179

$9,858

GEICO

$2,203

$4,061

Travelers

$2,205

$4,894

Allstate

$2,223

$3,796

Allstate

$2,236

$3,779

Progressive

$2,243

$2,709

GEICO

$2,255

$4,877

GEICO

$2,269

$4,183

Travelers

$2,274

$4,567

State Farm

$2,281

$9,003

Travelers

$2,341

$4,950

Progressive

$2,376

$4,348

Travelers

$2,400

$5,308

Progressive

$2,426

$2,942

Progressive

$2,462

$4,459

Allstate

$2,485

$4,566

Allstate

$2,494

$4,260

GEICO

$2,500

$4,969

GEICO

$2,519

$6,338

Allstate

$2,548

$4,352

Allstate

$2,550

$4,786

GEICO

$2,562

$5,669

Progressive

$2,644

$3,194

Allstate

$2,716

$5,070

Progressive

$2,740

$3,323

GEICO

$2,744

$6,700

GEICO

$2,744

$6,700

GEICO

$2,744

$6,700

Progressive

$2,777

$4,005

Travelers

$2,781

$6,800

Travelers

$2,787

$5,893

Allstate

$2,788

$4,711

GEICO

$2,794

$5,554

Travelers

$2,810

$7,096

GEICO

$2,820

$6,296

Travelers

$2,821

$6,238

Allstate

$2,826

$5,323

Progressive

$2,826

$5,878

Allstate

$2,840

$4,800

Progressive

$2,871

$4,080

Progressive

$2,889

$5,288

Progressive

$2,906

$3,511

Travelers

$2,913

$8,062

GEICO

$2,946

$6,493

GEICO

$2,951

$6,507

GEICO

$2,953

$6,507

Progressive

$2,956

$3,585

Progressive

$3,044

$6,384

Travelers

$3,087

$8,713

Progressive

$3,144

$5,693

State Farm

$3,160

$8,026

State Farm

$3,284

$10,282

Allstate

$3,336

$7,593

Progressive

$3,365

$15,204

Allstate

$3,413

$6,408

Travelers

$3,589

$9,933

State Farm

$3,594

$12,029

Progressive

$3,645

$16,372

State Farm

$3,658

$11,454

Travelers

$3,715

$12,850

Allstate

$3,773

$8,683

State Farm

$3,808

$9,672

Allstate

$3,883

$7,315

Travelers

$3,947

$11,138

State Farm

$3,988

$12,073

Travelers

$4,090

$14,779

State Farm

$4,230

$10,744

Allstate

$4,393

$8,432

State Farm

$4,419

$12,780

Progressive

$4,468

$22,600

State Farm

$4,560

$15,646

State Farm

$4,631

$16,105

State Farm

$4,639

$15,916

Allstate

$4,678

$8,978

Progressive

$4,840

$24,297

State Farm

$4,898

$15,372

State Farm

$4,959

$14,342

Allstate

$4,962

$11,157

Allstate

$5,030

$9,627

Progressive

$5,039

$22,772

Allstate

$5,366

$10,271

Foremost

$5,429

$6,451

Progressive

$5,464

$24,541

Foremost

$5,552

$6,596

Foremost

$5,571

$6,619

Foremost

$5,582

$6,865

Foremost

$5,623

$6,544

Allstate

$5,723

$12,962

Foremost

$5,824

$7,184

Foremost

$5,983

$6,963

Foremost

$6,029

$7,453

Foremost

$6,106

$7,106

Foremost

$6,412

$7,949

Foremost

$6,492

$15,803

State Farm

$6,578

$20,039

State Farm

$6,644

$20,240

State Farm

$6,674

$20,717

Foremost

$6,906

$16,811

Foremost

$7,121

$9,961

Foremost

$7,247

$17,696

Foremost

$7,463

$9,205

Foremost

$7,664

$23,351

Foremost

$7,676

$18,743

Foremost

$8,045

$11,301

Foremost

$8,529

$26,038

Foremost

$8,608

$10,671

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.

Company
Annual Premium
Monthly Premium

Amica Mutual

$404

$34

GEICO

$457

$38

Amica Mutual

$477

$40

Plymouth Rock Assurance

$539

$45

NJM

$550

$46

Amica Mutual

$569

$47

GEICO

$580

$48

Plymouth Rock Assurance

$581

$48

Plymouth Rock Assurance

$603

$50

GEICO

$658

$55

NJM

$721

$60

Allstate

$760

$63

NJM

$817

$68

Progressive

$844

$70

Progressive

$889

$74

Allstate

$910

$76

Travelers

$931

$78

NJM

$957

$80

State Farm

$968

$81

Allstate

$985

$82

Progressive

$986

$82

Plymouth Rock Assurance

$1,016

$85

GEICO

$1,032

$86

Plymouth Rock Assurance

$1,054

$88

Travelers

$1,056

$88

Amica Mutual

$1,068

$89

Travelers

$1,125

$94

Mercury

$1,127

$94

Plymouth Rock Assurance

$1,145

$95

NJM

$1,197

$100

Amica Mutual

$1,237

$103

GEICO

$1,257

$105

New Jersey Skylands Insurance

$1,270

$106

State Farm

$1,286

$107

New Jersey Skylands Insurance

$1,289

$107

New Jersey Skylands Insurance

$1,297

$108

Allstate

$1,356

$113

Mercury

$1,375

$115

Mercury

$1,376

$115

Progressive

$1,429

$119

NJM

$1,463

$122

GEICO

$1,493

$124

Travelers

$1,508

$126

Amica Mutual

$1,527

$127

State Farm

$1,554

$130

Foremost

$1,558

$130

State Farm

$1,562

$130

Progressive

$1,628

$136

Allstate

$1,648

$137

Progressive

$1,652

$138

Mercury

$1,784

$149

Travelers

$1,823

$152

Foremost

$1,832

$153

Allstate

$1,836

$153

Travelers

$1,899

$158

State Farm

$2,030

$169

Foremost

$2,054

$171

Hanover

$2,092

$174

Mercury

$2,196

$183

New Jersey Skylands Insurance

$2,301

$192

New Jersey Skylands Insurance

$2,317

$193

Mercury

$2,356

$196

State Farm

$2,486

$207

New Jersey Skylands Insurance

$2,494

$208

Hanover

$2,589

$216

Foremost

$2,839

$237

Hanover

$3,008

$251

Foremost

$3,501

$292

Hanover

$4,037

$336

Foremost

$4,078

$340

Hanover

$5,197

$433

Hanover

$6,125

$510

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.

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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

Has high ratings for customer satisfaction and affordability

Offers identity theft coverage and glass deductible modification

cons

Isn’t the cheapest provider

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

Has high scores in claims management and customer satisfaction

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

cons

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

Has the cheapest rate at $477 per year

Offers discounts for bundling, safe driving and loyalty

Has an above-average rating in customer satisfaction

cons

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.