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Get Cheap Car Insurance in 07874, NJ
We monitor insurance prices, helping the average driver in 07874 save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in 07874
The chart below shows the cheapest car insurance company in 07874 for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Geico, Plymouth Rock Assurance, and NJM.
| 07874 Insurer | Monthly Cost |
|---|---|
| State Farm | $58 |
| Geico | $60 |
| Plymouth Rock Assurance | $74 |
| NJM | $87 |
Savings for Every Kind of 07874 Driver
Based on our extensive insurance data, we know the average 07874 driver will save about 26% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $457 per year by choosing the right vehicle insurance company. Some 07874 residents are paying out over $1,744 extra every year for auto insurance in 07874. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
07874, NJ Savings / Yr. |
|---|---|
$457 |
|
$848 |
|
$651 |
|
$562 |
|
$2,255 |
|
$440 |
|
$684 |
07874 Car Insurance vs. New Jersey
People living in 07874 pay an average of 3.99% less than the typical driver in the state. The average driver in 07874 can expect to pay about $1,040 per year, or $1,744 for full coverage.
Based on our analysis, Geico will be the cheapest provider in 07874 for most people.
Car Insurance Prices by 07874 Neighborhood
Insurance Prices
Where is insurance cheapest within 07874?
The map shows insurance prices in and around 07874, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $133 per year within the zip boundaries, with insurance premiums ranging from a high of $1,800 to a low of $1,667. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Northwest parts of 07874.Pick the Best Car Insurance Company for You in 07874
The best car insurance provider for most drivers in 07874
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $457 over the average 07874 car insurance company.
The best car insurance provider for 07874 drivers with accidents on their records
In our analysis, NJM saved the average person who had been in an accident the most, with annual savings averaging $848 over the competition.
The best car insurance company for 07874 drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $651 better than other car insurance companies.
The best auto insurance for 07874 drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $562 less each year.
The least expensive car insurance company for new and young drivers in 07874
In 07874, Geico costs young drivers $2,255 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 07874
Geico gave the largest car insurance discounts to married couples, averaging $440 saved each year compared to an average 07874 couple's premiums.
The cheapest car insurance in 07874 for drivers with bad credit
The best 07874 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 07874
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 07874 driver can expect to pay about $112 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In 07874, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around 07874
What Influences the Cost of Car Insurance in 07874?
On average, car insurance in 07874 is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the zip are influenced by the following factors:
- New Jersey state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 07874 are higher than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A+ according to CrimeGrade.org.
- 07874 is a fairly densely populated area in the state. The zip’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in 07874 is $87 per month for minimum coverage and $145 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Zip Codes
- 07857: Insurance costs 0.17% less
- 07843: Insurance costs 1.49% more
- 07850: Insurance costs 2.81% more
- 07856: Insurance costs 0.97% more
- 07852: Insurance costs 1.26% less
- 07828: Insurance costs 2.24% more
- 07821: Insurance costs 2.69% less
- 07847: Insurance costs 0.06% more
- 07876: Insurance costs 2.98% more
- 07836: Insurance costs the same
Zip Codes with Similar Populations
- 34607: Insurance costs 50.06% more
- 60042: Insurance costs 16.00% less
- 60022: Insurance costs 6.54% less
- 54929: Insurance costs 36.47% less
- 54923: Insurance costs 36.53% less
- 48455: Insurance costs 69.67% more
- 44813: Insurance costs 36.98% less
- 44270: Insurance costs 37.50% less
- 40069: Insurance costs 19.21% more
- 36561: Insurance costs 14.74% less