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Get Cheap Car Insurance in Academy Heights, Orange, NJ
We monitor insurance prices, helping the average driver in Academy Heights save up to 37.9% on car insurance.
The Cheapest Minimum Coverage in Academy Heights
The chart below shows the cheapest car insurance company in Academy Heights 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.
| Academy Heights Insurer | Monthly Cost |
|---|---|
| State Farm | $77 |
| Geico | $80 |
| Plymouth Rock Assurance | $98 |
| NJM | $116 |
Savings for Every Kind of Academy Heights Driver
Based on our extensive insurance data, we know the average Academy Heights 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 $605 per year by choosing the right vehicle insurance company. Some Academy Heights residents are paying out over $2,308 extra every year for auto insurance in Academy Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Academy Heights, Orange, NJ Savings / Yr. |
|---|---|
$605 |
|
$1,122 |
|
$862 |
|
$744 |
|
$2,986 |
|
$582 |
|
$905 |
Academy Heights Car Insurance vs. Orange
People living in Academy Heights pay an average of 27.11% more than the typical driver in the state. The average driver in Academy Heights can expect to pay about $1,377 per year, or $2,308 for full coverage.
Based on our analysis, Geico will be the cheapest provider in Academy Heights for most people.
Car Insurance Prices by Academy Heights Neighborhood
Insurance Prices
Where is insurance cheapest within Academy Heights?
The map shows insurance prices in and around Academy Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $551 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,581 to a low of $2,030. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Academy Heights.Pick the Best Car Insurance Company for You in Academy Heights
The best car insurance provider for most drivers in Academy Heights
For drivers with clean driving records and no major strikes, Geico is the best option, with annual savings of $605 over the average Academy Heights car insurance company.
The best car insurance provider for Academy Heights 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 $1,122 over the competition.
The best car insurance company for Academy Heights drivers with speeding tickets
>Geico gave the average person with a speeding ticket the most savings, averaging $862 better than other car insurance companies.
The best auto insurance for Academy Heights drivers with a DUI conviction
Getting a quote from NJM may cost the average person with a DUI about $744 less each year.
The least expensive car insurance company for new and young drivers in Academy Heights
In Academy Heights, Geico costs young drivers $2,986 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Academy Heights
Geico gave the largest car insurance discounts to married couples, averaging $582 saved each year compared to an average Academy Heights couple's premiums.
The cheapest car insurance in Academy Heights for drivers with bad credit
The best Academy Heights car insurance company for customer service
Nationwide was the best company for customer service in Academy Heights according to the NAIC.
Recent price drops
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The cheapest large national provider in Academy Heights
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Academy Heights 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 Academy Heights, USAA has the best prices for none of the categories above.Auto Insurance Prices in and Around Academy Heights
What Influences the Cost of Car Insurance in Academy Heights?
On average, car insurance in Academy Heights 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 neighborhood are influenced by the following factors:
- The average commute time in Academy Heights is 46 minutes, which is far more than average for a driver in the city.
- New Jersey state insurance regulations may require higher prices.
- An average of 3 to 4 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Academy Heights are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Academy Heights is a fairly densely populated area in the state. The neighborhood’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 Academy Heights is $115 per month for minimum coverage and $192 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 Neighborhoods
- Lower Vailsburg: Insurance costs 5.68% more
- Upper Vailsburg: Insurance costs 6.76% more
- Hutton Park: Insurance costs 5.11% less
- Fairmuont: Insurance costs 6.72% more
- Upper Clinton Hill: Insurance costs 10.31% more
- Weequahic: Insurance costs 8.93% more
- Lower Clinton Hill: Insurance costs 8.45% more
- Lower Roseville: Insurance costs 7.32% more
- University Heights: Insurance costs 4.72% more
- Springfield-Belmont: Insurance costs 3.94% more
Neighborhoods with Similar Populations
- Bloomfield-Allen: Insurance costs 45.67% less
- North Shore: Insurance costs 41.29% less
- Hollywood Beach-Quadoman: Insurance costs 37.91% more
- Hegewisch: Insurance costs 21.62% less
- Friendly: Insurance costs 2.30% less
- Sans Pareil: Insurance costs 3.51% more
- Chestnut Hill: Insurance costs 34.06% less
- Downtown Pittsfield: Insurance costs 43.20% more
- Financial District: Insurance costs 3.03% less
- El Toro Marine Air Station: Insurance costs 14.90% less