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Cheapest car insurance in Summit, New Jersey (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Summit, New Jersey.
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Bonnie Stinson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance in Summit

On average,
auto insurance
in Summit costs about $131 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Summit drivers pay 10% less than the
New Jersey
average.  
Jerry Insurance Agency
is here to help Summit drivers with a valuable insurance comparison app, which efficiently reviews and
analyzes multiple quotes
, allowing you to quickly select the customized policy that meets both your needs and your budget. 
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$276
Brent, 32
Zip: 07901
Honda Accord Sport
• 25,000/50,000 Liability
• Comp / Collision
Nationwide
$100
Ernest, 30
Zip: 07901
Honda Accord Sport
• 50,000/100,000 Liability
• Comp / Collision
Plymouth Rock
$67
Violet, 37
Zip: 07901
KIA Sportage EX
• 15,000/30,000 Liability
Mercury
$151
Manuel, 52
Zip: 07901
Volkswagen Tiguan SE
• 15,000/30,000 Liability
• Comp / Collision
coverageLast Updated May 27, 2024

Best car insurance companies in Summit

For Summit drivers, there’s no single “cheapest” auto insurance provider out there—instead, you have to carefully shop around for the best priced personalized motorist coverage.
But we can point you in the right direction! To determine who offers the cheapest car insurance rates in Summit, Jerry conducted the most extensive insurance shopping survey in the industry. 
Some research finds that
GEICO
offers the cheapest car insurance rates in Summit, but many users report that these low introductory rates increase significantly after a claim is filed, making the premiums much less affordable. 
Your coverage rates are highly personalized based on your individual needs and circumstances and will vary greatly from your friends’ and neighbors’ rates in Summit
Insurance companyOverall ratingPriceClaims experienceCustomer 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
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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 Summit

To find affordable auto insurance in Summit, you’ll need to start by deciding how much coverage to buy. While New Jersey technically offers a few loopholes that allow drivers to carry only bare-bones coverage—including dollar-a-day insurance—most drivers need to purchase a standard auto insurance policy with liability insurance, personal injury protection, and usually a combination of comprehensive and collision insurance. 
At Jerry, our insurance agents recommend a policy that includes at least 100k/300k/100k liability insurance along with full coverage for drivers in Summit.  You can compare different policy options in the Jerry app or in the sections below. 

Cheap minimum liability insurance quotes in Summit

In Summit , the current minimum coverage requirements for standard
liability insurance
are: 
You’ll commonly see this referred to as the 25/50/25 rule.
card cover
Peter (41 years old)
coverageCoverage
State Minimum
locationSummit, NJ
(Zip Code: 07902)
$56
per month
card cover
Lillie (33 years old)
coverageCoverage
State Minimum
locationSummit, NJ
(Zip Code: 07902)
$69
per month

Do you need more than minimum coverage in Summit?

Liability coverage is the part of car insurance that pays for the injuries or damage you cause in an at-fault accident. But there’s a good chance that the damage will exceed the 25/50/25 limits established by
New Jersey insurance laws
.
For this reason, Summit drivers should purchase a more robust liability insurance policy. 

Cheap full coverage car insurance quotes in Summit

In Summit, drivers are not legally required to carry full coverage car insurance (although auto loan providers typically require it
before completing a vehicle sale
), but that doesn’t mean the coverage isn’t valuable. 
Full coverage includes
comprehensive
and
collision coverage
to pay for damages to your vehicle in the event of an at-fault accident or non-collision-related event (like vandalism, natural disasters, and even theft). 
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 25,000/50,000 Liability
• Comp / Collision
Progressive
$276
Brent, 32
Zip: 07901
Honda Accord Sport
• 15,000/30,000 Liability
• Comp / Collision
Mercury
$151
Manuel, 52
Zip: 07901
Volkswagen Tiguan SE
• 250,000/500,000 Liability
• Comp / Collision
Plymouth Rock
$91
Lloyd, 38
Zip: 07901
Audi A4 Premium
coverageLast Updated May 26, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Lower my car insurance too!

Average cost of car insurance in Summit, New Jersey

Summit car owners can expect to spend an average of $150 per month and $1,800 per year on full-coverage car insurance, or $131 per month and $1,573 per year on liability-only coverage.
It’s important to keep in mind that these numbers are just estimated averages for the “average” Summit driver. The actual rates you’ll pay depend on a wide variety of factors, including your vehicle type, driving record, claims history, exact location, credit score, and more. Your insurance costs could be significantly more or less than the averages articulated above.

Car insurance quotes in Summit by rating factors 

Insurance companies in Summit use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets. 
  • Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience. 
  • The type of car you drive: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars. 
  • Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims. 

How do different factors impact your car insurance costs in Summit?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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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 Summit:

Cheap car insurance quotes in Summit after driving violations

Your
driving history
plays a significant role in determining the quotes for your auto insurance. 
If insurance companies observe a track record of violations, they consider you to be a
high-risk driver
, resulting in higher insurance premiums being charged.

Cheapest car insurance in Summit after DUI

In Summit,
DUI violations
are taken very seriously and thus generally result in a significant increase in car insurance rates compared to other violations. 
Finding the cheapest insurance options after a DUI often requires comparing
car insurance quotes
from multiple insurers, and Jerry can simplify the process of finding the lowest rates.
card cover
Raymond (30 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationSummit, NJ
(Zip Code: 07901)
$66
per month
card cover
Lillie (44 years old)
coverageCoverage
State Minimum
locationSummit, NJ
(Zip Code: 07901)
$61
per month

Cheapest car insurance in Summit after an at-fault accident

Your history of car accidents or claims heavily impacts your car insurance rates. 
For every Summit driver, insurance companies thoroughly examine previous at-fault accidents to determine the level of risk. If you have recently been involved in an at-fault accident, it is likely that your car insurance rates will see a significant increase.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
AAA
$58
John, 45
Zip: 07901
Fiat 500X
• State Minimum Liability
At Fault With No Injury
AAA
$76
Mattie, 42
Zip: 07902
Saab 9-3
• 100,000/300,000 Liability
coverageLast Updated May 22, 2024

Cheapest car insurance in Summit after other driving violations

Apart from speeding tickets and DUIs, other violations—such as
reckless driving
and driving with a suspended license—can result in increased car insurance costs in Summit.
Jerry has helped drivers with various driving violations find affordable car insurance quotes from great providers.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Cell Phone
Bristol West
$244
John, 25
Zip: 07901
Infiniti Q50 Pure
• 25,000/50,000 Liability
Careless Driving
Bristol West
$186
Oscar, 31
Zip: 07901
Hyundai Elantra SEL
• 25,000/50,000 Liability
coverageLast Updated May 27, 2024

Cheap car insurance quotes in Summit by age

Teen drivers in Summit are generally the least experienced motorists on the road, which means they’re a higher risk to insurance companies.  For this reason, young people tend to pay the highest rates in Summit, with premiums decreasing after they reach the age of 25. 
Conversely, rates will start to go up again around the age of 75.

Cheapest car insurance in Summit for young drivers

16 to 19 year olds pay the highest
car insurance premiums
in Summit when compared to other age groups.
If you’re a teen driver in Summit with a newer vehicle (or an older driver with a
provisional license
) it’s important to invest in full coverage insurance—especially due to the higher likelihood of young drivers to be involved in a collision. 
Full coverage insurance may cost more, but it provides essential financial protection after an accident. And Jerry can help you find savings on a great policy!
card cover
Ryan (21 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationSummit, NJ
(Zip Code: 07902)
$79
per month
card cover
Derek (18 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSummit, NJ
(Zip Code: 07902)
$77
per month

Cheapest car insurance in Summit for senior drivers

Typically, senior drivers tend to pay some of the cheapest rates—until they reach their mid-70s. While more experienced on the road, motorists over the age of 70 are seen as higher liabilities on the road due to their increased risk of accidents and greater likelihood of serious injury in a crash. But that doesn’t mean affordable coverage is off the table if you’re an older driver. In fact, here are some of the cheapest providers in Summit for those aged 65 or older.
card cover
Cole (71 years old)
coverageCoverage
State Minimum
locationSummit, NJ
(Zip Code: 07902)
$71
per month
card cover
Lura (67 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSummit, NJ
(Zip Code: 07901)
$78
per month

Cheap car insurance quotes in Summit based on insurance history

Your insurance history plays a crucial role in determining your car insurance rates—specifically, whether you currently have coverage or not.
Summit drivers with a
policy lapse
usually have higher insurance rates. To assist customers in making timely insurance payments and avoiding coverage lapses, Jerry sends payment reminders to eligible Summit customers. These reminders are sent when a payment is approaching or overdue.
We have successfully helped countless drivers in Summit who are currently uninsured or have experienced coverage lapses in finding affordable coverage.
card cover
Ina (32 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationSummit, NJ
(Zip Code: 07901)
$276
per month
card cover
Susan (38 years old)
Currently Insured
coverageCoverage
250,000 per person
500,000 per accident bodily injury
Comp / Collision
locationSummit, NJ
(Zip Code: 07901)
$103
per month
card cover
Virgie (30 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationSummit, NJ
(Zip Code: 07901)
$100
per month
card cover
Eliza (52 years old)
Currently Insured
coverageCoverage
15,000 per person
30,000 per accident bodily injury
Comp / Collision
locationSummit, NJ
(Zip Code: 07901)
$151
per month
card cover
John (25 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
locationSummit, NJ
(Zip Code: 07901)
carInfiniti Q50 Pure
$244
per month

Cheap car insurance quotes in for drivers with poor credit

drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Credit RangeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
660 - 750
Progressive
$61
Wesley, 36
Zip: 07901
Honda CR-V EX
• 25,000/50,000 Liability
660 - 750
Bristol West
$186
Rosetta, 31
Zip: 07901
Hyundai Elantra SEL
• 25,000/50,000 Liability
550 - 659
Bristol West
$244
Beulah, 25
Zip: 07901
Infiniti Q50 Pure
• 25,000/50,000 Liability
< 550
Bristol West
$117
Larry, 62
Zip: 07901
Honda Accord EXL
• 25,000/50,000 Liability
coverageLast Updated May 24, 2024

How to lower car insurance costs in Summit

1. Shop around and compare quotes

Finding car insurance is a pain—and you’re probably overpaying. But getting quotes from multiple companies is the only way to guarantee that you’re actually getting the best rate. 
Summit drivers can compare quotes quickly with the
Jerry
app. If you have a smartphone and 60 seconds, you can find the best rates in Summit for your unique driver profile. The service is 100% free and you could save a ton of money by shopping around.

 2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the options vary. Some discounts common to most companies include: 
  • Good driver discounts. If you have a squeaky clean driving record, you could unlock a good driver discount. This means no at-fault accidents and minimal points on your record. At some companies, it’s called a safe driver discount.
  • Telematics discounts. With discounts just for signing up, telematics programs are an easy way to save money. They track your driving behavior and reward you for safe behavior!

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance in Summit , increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

Why is car insurance in Summit so expensive?

  • Personal injury protection (PIP) coverage requirement: New Jersey is a no-fault insurance state, which means that drivers in Summit are required to have PIP coverage. PIP coverage provides medical benefits for injuries sustained in auto accidents, and the cost of this coverage can contribute to higher insurance premiums.
  • Auto theft rates: Some areas have higher rates of auto theft, which increases the risk of vehicle loss or damage. Insurers may charge higher premiums to compensate for the elevated risk.
  • Lawsuits and litigation: New Jersey has a higher prevalence of lawsuits and litigation related to auto accidents compared to other states. This can increase insurance costs for Summit drivers as insurers need to allocate funds for potential legal expenses and settlements.

FAQ

Who offers the cheapest auto insurance in New Jersey?

Travelers customers report the highest policy cost satisfaction among New Jersey drivers in a recent Jerry study. GEICO tends to offer affordable rates for most driver profiles, but it ranked below Travelers for policy cost in Jerry’s survey.

How much is the average car insurance per month in NJ?

Minimum coverage in New Jersey costs about $93 per month, or $1,120 per year. If you opt for full coverage, that number increases to $181 per month or $2,168 per year for the average NJ driver. 

Why is NJ car insurance so high?

New Jersey accident rates are higher than they used to be, which usually triggers a rate hike across the board. Additionally, in 2023 a new state law was passed that increased the minimum coverage levels for all NJ drivers. This led to a natural increase in premiums.

What is the minimum car insurance required in NJ?

It used to be 15/30/5, but as of 2023 the new minimum liability coverage required of all NJ drivers is 25/50/25. This means $25,000 per person bodily injury, $50,000 per accident bodily injury, and $25,000 property damage. NJ drivers are also required to carry $15,000 of personal injury protection (PIP).

Can you register a car without insurance in NJ?

You must show proof of insurance that meets or exceeds state minimum coverage levels in order to register a vehicle in the state of New Jersey.

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

avatar
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.
avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.