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Get Cheap Car Insurance in 08021, NJ
We monitor insurance prices, helping the average driver in 08021 save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in 08021
The chart below shows the cheapest car insurance company in 08021 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.
| 08021 Insurer | Monthly Cost |
|---|---|
| State Farm | $64 |
| Geico | $67 |
| Plymouth Rock Assurance | $82 |
| NJM | $97 |
Savings for Every Kind of 08021 Driver
Based on our extensive insurance data, we know the average 08021 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 $506 per year by choosing the right vehicle insurance company. Some 08021 residents are paying out over $1,932 extra every year for auto insurance in 08021. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
08021, NJ Savings / Yr. |
|---|---|
$506 |
|
$939 |
|
$721 |
|
$622 |
|
$2,499 |
|
$487 |
|
$757 |
08021 Car Insurance vs. New Jersey
People living in 08021 pay an average of 6.38% more than the typical driver in the state. The average driver in 08021 can expect to pay about $1,152 per year, or $1,932 for full coverage.
Based on our analysis, Geico will be the cheapest provider in 08021 for most people.
Car Insurance Prices by 08021 Neighborhood
Insurance Prices
Where is insurance cheapest within 08021?
The map shows insurance prices in and around 08021, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $453 per year within the zip boundaries, with insurance premiums ranging from a high of $2,213 to a low of $1,760. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Southeast parts of 08021.Pick the Best Car Insurance Company for You in 08021
The best car insurance provider for most drivers in 08021
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $506 over the average 08021 car insurance company.
The best car insurance provider for 08021 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 $939 over the competition.
The best car insurance company for 08021 drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $721 better than other car insurance companies.
The best auto insurance for 08021 drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $622 less each year.
The least expensive car insurance company for new and young drivers in 08021
In 08021, Geico costs young drivers $2,499 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in 08021
Geico gave the largest car insurance discounts to married couples, averaging $487 saved each year compared to an average 08021 couple's premiums.
The cheapest car insurance in 08021 for drivers with bad credit
The best 08021 car insurance company for customer service
Recent price drops
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The cheapest large national provider in 08021
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average 08021 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 08021, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around 08021
What Influences the Cost of Car Insurance in 08021?
On average, car insurance in 08021 is more expensive than the rest of the state. These high 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:
- The average commute time in 08021 is 38 minutes, which is about the national average for a driver in the state.
- New Jersey state insurance regulations may require higher prices.
- An average of 10 to 11 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in 08021 are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
- 08021 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 08021 is $96 per month for minimum coverage and $161 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
- 08084: Insurance costs 4.61% less
- 08026: Insurance costs 8.39% less
- 08083: Insurance costs 3.47% less
- 08012: Insurance costs 5.54% less
- 08043: Insurance costs 2.17% less
- 08032: Insurance costs 4.14% less
- 08049: Insurance costs 2.74% less
- 08091: Insurance costs 5.54% less
- 08009: Insurance costs 5.64% less
- 08029: Insurance costs 8.02% less
Zip Codes with Similar Populations
- 07105: Insurance costs 26.14% more
- 85339: Insurance costs 3.57% more
- 20772: Insurance costs 14.44% more
- 30157: Insurance costs 1.97% less
- 20774: Insurance costs 17.96% more
- 92024: Insurance costs 1.24% more
- 20854: Insurance costs 0.10% less
- 23185: Insurance costs 38.82% less
- 40324: Insurance costs 6.88% more
- 44107: Insurance costs 39.03% less