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Cheapest car insurance in Morristown, New Jersey (Oct 2024)
Cheapest car insurance in Morristown, New Jersey (Oct 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Morristown, New Jersey.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Bonnie Stinson
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Kianna Walpole, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Morristown
- Best car insurance companies in Morristown
- Best cheap car insurance quotes in Morristown
- Car insurance quotes in Morristown by rating factors
- How do different factors impact your car insurance costs in Morristown?
- Cheap car insurance quotes in Morristown after driving violations
- Cheap car insurance quotes in Morristown by age
- Cheap car insurance quotes in Morristown based on insurance history
- Cheap car insurance quotes in Morristown for popular cars
- Why is car insurance in Morristown so expensive?
- How to lower car insurance costs in Morristown
- FAQ
- Methodology
- Meet our experts
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How to find the cheapest car insurance in Morristown
Morristown drivers typically pay around $103 per month for coverage, which is an 8% decrease compared to the statewide average in
New Jersey
. Jerry
has been working with Morristown drivers for years to help them find cheap car insurance. Using the Jerry app, drivers can compare personalized quotes from multiple insurance providers to easily find a policy that fits their specific insurance needs. | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $82 | Flora, 36 Zip: 07960 | Hyundai Ioniq 5 SE | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $178 | William, 28 Zip: 07960 | Honda Accord Touring | • 100,000/300,000 Liability • Comp / Collision |
| Plymouth Rock | $188 | Brett, 26 Zip: 07960 | Infiniti Q50 Luxe | • 100,000/300,000 Liability • Comp / Collision |
Metlife | $98 | Milton, 32 Zip: 07960 | Dodge RAM 1500 Sport | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 12, 2024Best car insurance companies in Morristown
Ultimately, drivers are so unique that there’s no way to identify a “best” car insurance company for all NJ drivers. In a recent consumer survey, Jerry asked thousands of policyholders how they would rate top companies.
While
GEICO
has a good reputation for affordable policies in Morristown, many drivers say that low initial rates tend to increase after filing a claim at GEICO.Check out how major companies rated on this survey of your friends and neighbors—and remember, you should shop around to find the best price for your custom policy.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.5 | 3.9 | 4.4 | 4.6 |
| Progressive | 4.5 | 3.9 | 4.1 | 4.5 |
| State Farm | 4.2 | 3.7 | N/A | 4.2 |
| Allstate | 4.2 | 3.3 | N/A | |
Liberty Mutual | 3.5 | 2.8 | N/A | 3.5 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Morristown
Before searching for affordable coverage, you have to decide how much auto insurance coverage you want. This means knowing the legal minimum for coverage in NJ and thinking carefully about your unique circumstances and how to best protect yourself.
In New Jersey, drivers are required to purchase a standard auto insurance policy with liability insurance and personal injury protection. To get even better protection, increase those levels to 100k/300k/100k and add full coverage.
In Morristown, you may be eligible for a special dollar-a-day policy thanks to NJ’s Special Automobile Insurance Policy (SAIP) program. Keep in mind that this only includes medical coverage, however.
Cheap minimum liability insurance quotes in Morristown
- $50,000 in bodily injury liability per accident
Drivers must also carry $15,000 in
PIP (personal injury protection coverage)
. All auto insurance providers will offer you a policy with at least this level of coverage in Morristown.
Do you need more than minimum coverage in Morristown?
You’ll be legal to drive under
New Jersey’s insurance laws
with 25/50/25 coverage plus PIP—but these limits are unlikely to cover all your costs if you get into a major accident. Without enough protection in place, you’ll be on the line for the remaining costs—and if you can’t pay up, your assets and future income could be in jeopardy.For better coverage, consider opting for a
full coverage policy
with higher liability limits of 50/100/50 or 100/300/100. While it will increase your insurance costs on a monthly basis, it will provide enough coverage to pay for the damages and medical expenses for the other driver, as well as your own. Cheap full coverage car insurance quotes in Morristown
While not legally mandatory, full coverage insurance is popular because it’s the only type of policy that protects your own vehicle.
A full coverage policy often includes liability coverage, as well as
collision
and comprehensive
coverage. These two insurance options pay for both collision and non-collision related damages, including theft, vandalism, and storm damage.Lenders can require you to carry full coverage on a financed vehicle in New Jersey.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $82 | Flora, 36 Zip: 07960 | Hyundai Ioniq 5 SE |
• 100,000/300,000 Liability • Comp / Collision | Nationwide | $178 | William, 28 Zip: 07960 | Honda Accord Touring |
• 100,000/300,000 Liability • Comp / Collision | Bristol West | $235 | Earl, 33 Zip: 07960 | RAM 1500 ST |
• 100,000/300,000 Liability • Comp / Collision | Plymouth Rock | $188 | Brett, 26 Zip: 07960 | Infiniti Q50 Luxe |
Last Updated Oct 12, 2024Find cheap full coverage and explore your insurance options with
Jerry
, the mobile app that pulls custom quotes in under one minute. Compare, cancel, buy, and get end-to-end support from licensed agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Morristown, New Jersey
The average cost of car insurance in Morristown is approximately $161 per month for a full coverage policy, or $1,930 annually. For minimum coverage, most driver pay an average of $68 per month, or $821 per year.
The average can give you a range, but you should expect your own payment to vary based on your unique driver profile. Your age, your vehicle type, and your driving history will affect your premium.
Car insurance quotes in Morristown by rating factors
Companies care about the same basic elements, although their formulas vary. Here are a few rating factors companies consider when
calculating your rates
:- Age: Young drivers (especially under 25) pay the highest rates of all age groups. Rates lower again between 25 and 64, but often rise again once drivers turn 65.
- Car type: Performance cars and luxury vehicles cost the most to insure because the repair costs are higher.
- Location: People who live in codes with lower theft and accident rates tend to pay less for coverage.
- Driving record: If you have a lot of accidents or tickets on your record, you’ll pay more because you’re a high-risk driver.
How do different factors impact your car insurance costs in Morristown?
How do different factors impact your car insurance costs in Morristown?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): New Jersey currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Morristown:
Cheap car insurance quotes in Morristown after driving violations
Your track record behind the wheel is a key factor in determining your future risk. That’s why car insurance companies penalize you for violations, since they predict future behavior that could cost them money.
Cheapest car insurance in Morristown after DUI
DUIs in New Jersey
carry serious penalties, and they also raise your insurance rates significantly. Some providers may even refuse to cover you again.Finding coverage after a DUI in New Jersey is possible, as Jerry has demonstrated. But you should still expect to pay higher-than-average rates compared to someone without a DUI.
Cheapest car insurance in Morristown after an at-fault accident
Causing an accident is a real red flag for insurers—they have to pay out to fix your mistakes, after all!
But the good news is that you can still shop around and save money after an at-fault accident. Jerry is helping Morristown drivers compare free quotes and unlock savings, even if they’ve filed claims in the past.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $185 | Timothy, 31 Zip: 07960 | Dodge RAM 1500 Sport | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Mercury | $111 | Charlie, 31 Zip: 07960 | Dodge RAM 1500 Sport | • 100,000/300,000 Liability |
At Fault With No Injury | Bristol West | $235 | Anthony, 32 Zip: 07960 | RAM 1500 ST | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 11, 2024Cheapest car insurance in Morristown after other driving violations
Driving recklessly
, driving without insurance, or running a red light can all raise your rates in Morristown. If you’ve got one or more violations on record, here’s what you can expect for insurance prices in Morristown after shopping around.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $120 | Sophia, 53 Zip: 07960 | Volkswagen Jetta 2.5 Option Package 1 | • 15,000/30,000 Liability |
Careless Driving | Progressive | $282 | Harriett, 26 Zip: 07960 | Mazda CX-5 Grand Touring | • 15,000/30,000 Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $120 | Kevin, 53 Zip: 07960 | Volkswagen Jetta 2.5 Option Package 1 | • 15,000/30,000 Liability |
Last Updated Oct 15, 2024Cheap car insurance quotes in Morristown by age
Experience means a lot to insurance companies—but ability matters more. That’s why very young and very old drivers pay the most for insurance in Morristown. One group has no experience and the other group has lots of experience, but a decreasing ability to drive safely.
Cheapest car insurance in Morristown for young drivers
Teens in Morristown—especially between 16 to 19—pay the highest car insurance premiums of all age groups.
Even if a teen is a safe driver, they still have fewer years behind the wheel. Studies show that teens get into more accidents and file more claims.
To help protect
young drivers
, consider full coverage to repair and replace their damaged vehicle in an accident. Check out some rates for young NJ drivers in this area.Keith (23 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Morristown, NJ (Zip Code: 07960)
$261
per month
Cheapest car insurance in Morristown for senior drivers
Seniors enjoy affordable rates until they turn 75 and their reflexes begin to slow. At this time, seniors face higher accident rates and greater susceptibility to injury after an accident.
Finding
affordable senior coverage
in Morristown is possible. Here are some of the cheapest providers in NJ for older drivers.Travis (66 years old)
$48
per month
Wayne (70 years old)
$63
per month
Cheap car insurance quotes in Morristown based on insurance history
A
lapse in coverage
indicates that you either forgot to pay on time or you were driving without insurance. Either way, companies hate to see it—and you can expect higher-than-average rates if you have a past lapse.Whether you have coverage now or not, you can still use Jerry in Morristown to find an insurer. Jerry also helps drivers avoid future lapses with free reminders to pay on time and renew.
Alejandro (29 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Morristown, NJ (Zip Code: 07960)
$127
per month
Caroline (27 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Morristown, NJ (Zip Code: 07960)
$178
per month
Jeffery (33 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Morristown, NJ (Zip Code: 07960)
$105
per month
Barry (25 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Morristown, NJ (Zip Code: 07960)
$188
per month
Over 4,000,000 customers and counting
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Vieshia
Cheap car insurance quotes in for drivers with poor credit
Credit score
is correlated with claims frequency. Low credit drivers tend to pay the highest rates because data shows that they file more claims—not to mention that they’ve shown they don’t always pay their bills on time.Even if your score is under 600, you can get good rates in Morristown like the drivers below.
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $127 | Theodore, 29 Zip: 07960 | Hyundai Elantra GLS | • 25,000/50,000 Liability |
660 - 750 | Bristol West | $103 | Leroy, 27 Zip: 07960 | Toyota Tacoma Access Cab | • 25,000/50,000 Liability |
550 - 659 | Bristol West | $143 | Marc, 32 Zip: 07960 | Chevrolet Equinox LT | • 25,000/50,000 Liability |
Last Updated Oct 14, 2024Cheap car insurance quotes in Morristown for popular cars
Some cars are way cheaper to insure because they have low risk profiles. The cheapest cars to insure have top safety features, low theft rates, and affordable replacement parts.
Here are the most popular models in Morristown:
And here are some of the rates real drivers in Morristown found for their popular vehicles using Jerry.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Honda Civic LX | Progressive | $261 | Andrew, 22 Zip: 07960 | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Oct 13, 2024Why is car insurance in Morristown so expensive?
New Jersey is a no-fault state. The mandatory PIP coverage raises rates significantly for Morristown drivers and other NJ residents.
Car thefts are higher in some areas, which can raise rates. Whenever a zip code is associated with higher risk or loss or damage, insurance companies make customers pay higher car insurance rates.
Finally, New Jersey is notorious for being a high-litigation state. This means that NJ sees a much higher rate of lawsuits related to accidents when compared to other states. Ultimately, Morristown drivers suffer the consequences by paying higher premiums to account for the funds required to pay off those legal expenses and settlements.
How to lower car insurance costs in Morristown
1. Shop around and compare quotes
You should be comparing quotes every six months. That’s when your policy is up for renewal—and you could be leaving hundreds of dollars on the table.
Insurance companies change their formulas all the time. There’s no guarantee that your current low rate is still the lowest possible rate going forward. So shop around for free, with no obligation, using the
Jerry
app to find the cheapest rate for your desired insurance products in Morristown. 2. Hunt for car insurance discounts
Most companies offer the
same list of discounts
and you can even stack them to unlock a larger overall discount.- Telematics discount: If you allow your insurer to track your driving behavior, most will reward you with discounts when you exhibit safe driving behavior. Most even give a discount just for signing up.
- Good driver discount: Go claims-free for several years and companies will eagerly reward your safe driving behavior with a chunky discount, up to 20%.
- Bundling discount: Combine your auto coverage with your homeowners insurance, property insurance, or renters insurance at the same company, and you’ll get a discount on both. Home insurance also means condo insurance—and you can bundle with life insurance, too.
3. Increase your deductible for comprehensive and collision coverage
Full coverage only kicks in after you pay a deductible—but the amount of your deductible affects your overall rate. If you can comfortably pay for a higher out-of-pocket deductible, you could easily shave a few dollars off your monthly cost. You don’t even have to sacrifice your coverage options!
FAQ
What is the cheapest car insurance in Morristown?
GEICO has a good reputation here, but it’s not the only company to offer affordable car insurance quotes in Morristown, NJ. You might be better served by State Farm, Allstate, or a small regional provider that has an insurance agent in your town.
Expect to pay an average of $68 per month for minimum coverage, or $161 per month for full coverage. Pay even less by shopping around with Jerry and qualifying for discounts.
What is the best car insurance in Morristown?
Bristol West, Safeco, and Travelers earned good ratings from Morristown drivers. However, the “best” policy depends on what you value. Some companies offer low rates but they don’t perform well when it’s time to actually handle a claim. Shop around carefully and balance price with performance when comparing auto insurance quotes.
What is the minimum car insurance in Morristown, New Jersey?
All NJ drivers, including Morristown residents, must carry 25/50/25 in liability insurance coverage:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability coverage
Also required is PIP, or personal injury protection, to the amount of $15,000 per person.
How much is car insurance in Morristown?
On average, you and your neighbors can expect to pay between $68 (minimum coverage) and $161 (full coverage) per month for auto insurance.
If you opt for extra protection, like increasing your liability levels or adding uninsured motorist coverage, expect to pay more than the average. Similarly, your rates will probably be higher if you have poor credit or violations on record.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Bonnie Stinson
Bonnie Stinson is an insurance writer with 8+ years of experience as a content writer. They specialize in making complex topics like insurance and technology easy to understand. Bonnie has written over 1,300 articles to help people become confident car owners, from how to choose the right car and build a car insurance policy to dealing with stressful situations like car accidents and unexpected repairs.
Before joining Jerry’s editorial team, Bonnie worked as a digital media strategist and user experience researcher, producing content for Furnishr, STACKEDD Magazine, InfinityCore Health, and the global non-profit Giraffe Heroes.
Kianna Walpole
Expert Insurance Writer & Editor
Kianna Walpole is an insurance writer and editor with a comprehensive background in consumer behavior and online publishing. With experience in car insurance, maintenance, and repair, she is dedicated to building informative content that helps customers reduce costs while achieving the best service. Prior to joining the Jerry editorial team, Kianna worked as a junior editor in the content marketing industry, using consumer data and key insights to create and edit content for an array of large-scale clients in the real estate, cybersecurity, and healthcare industries.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.