Best Car Insurance in Elizabeth 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Elizabeth.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
June 18, 2021Nissan Rogue S0720840Mercury$188/mo.$120/mo.
July 10, 2021Nissan Altima S0720239Progressive$276/mo.$130/mo.
January 14, 2021Hyundai Elantra SE0720825Progressive$290/mo.$149/mo.
January 21, 2021Toyota Camry Base0720123Kemper$330/mo.$155/mo.
February 10, 2021Nissan Altima 2.50720132Plymouth Rock$241/mo.$192/mo.
Here’s more information about what impacts the insurance rates in your Elizabeth.

How much does car insurance cost in Elizabeth?

Car insurance in Elizabeth, New Jersey costs single-car drivers an average of $4,999 annually, or about $417 per month. Compared to the state annual average of $3,714, auto insurance in Elizabeth is $1,286 higher higher.
The city of Elizabeth—New Jersey’s first capital and an epicenter of the American Revolution—stands proudly on Newark’s southern border, where Newark Bay meets Arthur Kill. But because of its location and commuting population, Elizabeth drivers pay more for car insurance than the national average and the New Jersey average.
If you live in Elizabeth, you can still find affordable car insurance quickly and easily! Just fire up the Jerry app to get started. Jerry is a brokerage app that takes the work out of searching for affordable car insurance.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls—you get all of the savings and coverage, with none of the hassles.
Here’s what you need to know about car insurance in Elizabeth.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Elizabeth$4,755$3,710$3,821$2,316$6,188$5,479
National Average$3,223$2,143$3,086$1,764$3,423$2,486
ElizabethNational Average
All Coverage Before Jerry
$4,755$3,223
All Coverage After Jerry
$3,710$2,143
Minimum Coverage Before Jerry
$3,821$3,086
Minimum Coverage After Jerry
$2,316$1,764
Full Coverage Before Jerry
$6,188$3,423
Full Coverage After Jerry
$5,479$2,486
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Choosing a carrier in Elizabeth

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
New Jersey drivers already pay above the national average, but Elizabeth drivers have rates that are also typically higher than the state average.
State Farm insurance in Elizabeth is a top option. Companies like GEICO, Progressive, and Kemper insurance in Elizabeth also offer some of the most competitive rates.
Factors like your age, driving history, and occupation, can contribute as well to what you’ll ultimately pay for your insurance, so you’ll want to research to find the best rate for you.
Here’s what drivers pay with some of the most popular insurance providers in Elizabeth before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Progressive$4,044$1,650Compare Prices
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What kind of car insurance you need in Elizabeth

In Elizabeth, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
At a minimum, some liability coverage is required in most states, but New Jersey drivers are also legally required to carry uninsured/underinsured motorist coverage and Personal injury protection (PIP).
The minimum requirements for liability insurance in Elizabeth are as follows:
The minimum requirements for uninsured/underinsured motorist coverage:
  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
The minimum requirement for personal injury protection (PIP) coverage is $15,000 per person.
The above insurance coverage is required to operate a vehicle on New Jersey roads, and there are steep penalties if you’re caught driving without proof of insurance—including monetary fines, community service, forfeiture of your vehicle, and/or imprisonment depending on the number of offenses.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
While those are the minimums, it is a good idea to get more coverage. Liability is necessary, but it protects other drivers when you’re at fault in an accident, it does not cover your car. Uninsured/underinsured motorist coverage will cover your medical expenses in an accident, but it won’t cover damage to your car.
Here are some coverage options that can serve Elizabeth drivers well:
FactorRecommended coverageDescription
Heavy trafficCollision insuranceMore cars on the road means more possibilities for collisions and subsequent damage to your vehicle. Collision insurance covers the cost of the necessary repairs.
High population densityAccident forgivenessLots of drivers means lots of accidents. Accident forgiveness will prevent your insurance rates from going up after your first at-fault incident.
Uninsured driversUninsured/underinsured motorist coverageNew Jersey has the lowest rate of uninsured/underinsured drivers in the country, in part because this coverage is mandatory. This will cover you if the at-fault driver is underinsured or does not have insurance.
Severe weatherComprehensive insuranceNew Jersey is a northern coastal state, which makes it more susceptible to tropical storms, flooding, hurricanes. Comprehensive insurance coverage protects your car from physical damage that may happen as a result of severe weather.
Mountain roadsRoadside assistanceThe Appalachians slice through New Jersey, making its roads more windy, isolated, and perilous. Roadside assistance will be there to provide towing services, tire changes, locksmith services, fluid delivery, and more if you find yourself stuck on a mountain road.

What determines your car insurance cost in Elizabeth

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Elizabeth, you could be paying as much as $94 more per month than an adult driver. These are average rates for Jerry customers in Elizabeth broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
21-24$3,868$940
25-34$5,257$1,013
35-44$3,475$1,309
45-54$3,486$778
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Elizabeth with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$4,455$977
Failure to Obey Traffic Sign$4,812$2,110
Speeding under 15$4,905$1,734
Driving on Sus. License$4,959$817
Other$5,172$580
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Where in Elizabeth you live

It may seem like insurance rates in Elizabeth should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Elizabeth, residents of 07201 and 07202 will have the most expensive car insurance rates, while people who live in 07206 and 07208 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Elizabeth:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
October 9, 202107202Toyota Corolla CENJ40Plymouth Rock$180/mo.$92/mo.
January 21, 202107201Toyota Camry BaseNJ23Kemper$330/mo.$155/mo.
July 23, 202107208Nissan Rogue SNJ36Mercury$333/mo.$158/mo.
June 18, 202107208Honda Accord EXNJ25Travelers$217/mo.$175/mo.
August 12, 202107202Lexus Nx 200T BaseNJ34Progressive$300/mo.$227/mo.
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Why is car insurance in Elizabeth so expensive?

A variety of considerations determine baseline car insurance rates in Elizabeth. Insurance companies often consider the following:
Elizabeth’s high insurance rates are due to a number of reasons:

Accidents

Elizabeth is located in the center of one of the busiest metropolitan areas in the world, with constant shipping, air travel, and automotive travel. The roads in the area are often packed to capacity—which leads to plenty of traffic accidents.
Because of the increased risk of collision, insurance companies charge more to compensate for the higher likelihood that they’ll have to pay out a claim.

Theft

Elizabeth’s crime rate has been on the decline in recent years, so while it’s not as high as its neighbor to the north, car thefts are still possible. To accommodate for the added risk, providers will raise their premiums.

Flooding

Elizabeth is situated where two major waterways meet, and its namesake river winds through it. Combined with the increased rainfall, the city is at a higher risk for flooding.
Because of the likelihood of claims due to floods, companies will raise comprehensive insurance rates.

How can you save money on car insurance in Elizabeth?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Almost all insurance companies offer discounts on their rates. No matter who you are, there’s likely a discount that fits your lifestyle.
Here are some common discounts available with insurance carriers in Elizabeth:
DiscountDescription
Multi-policyPurchasing multiple policies or insuring more than one car with a provider can often save you money on all policies.
Anti-theft discountsTaking extra precautions with your car by installing up-to-date anti-theft and safety features can keep your car safe and lower your premiums.
Telematics discountSeveral major carriers have apps or tracking devices you can install to monitor your driving habits. Practicing responsible driving can greatly reduce your rates.
Accident-freeStaying accident-free for at least three years can earn you a discount on your auto insurance.
Paperless billingOpt for paperless billing and documents to earn a discount for going green.
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